Support for Business Professionals

When it comes to your clients’ financial well-being, it’s good to know there’s a company that shares your commitment. At Raymond James we can help support you in providing your clients with comprehensive financial services – and we’ll care as much about helping them as you do.

What that commitment could mean for you is the ability to grow your revenues and your client base. With increasing competition in your industry, a strategic alliance with a Raymond James advisor is a great tool that can help you distinguish your business by providing your clients greater satisfaction and a broader range of services.

This page outlines some of the investment alternatives and support we can offer.

Account Protection

• The Securities Investor Protection Corporation (SIPC) provides $500,000 of net equity protection, including $100,000 for claims for cash awaiting reinvestment.

Please visit sipc.org for more information about SIPC coverage.

Raymond James has purchased excess SIPC coverage through various syndicates of Lloyd’s, a London-based firm. Excess SIPC is fully protected by the Lloyd’s trust funds and Lloyd’s Central Fund. The additional protection currently provided has an aggregate firm limit of $750 million, including a sub-limit of $1.9 million per customer for cash above basic SIPC for the wrongful abstraction of customer funds.

Account protection applies when a SIPC-member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations.

Asset Management Services

• We offer investment management services, including management of portfolios for pension and profit-sharing plans, and individual and corporate accounts, as well as for professional associations and other institutions.
• Pension fund and profit-sharing plan investment counseling are available, and we can assist in initiating and maintaining programs.
• We can provide research and recommendations on a screened group of professional asset managers accepting accounts of $100,000 or more, reported on one comprehensive statement.

Banking and Cash Management

• Traditional banking services are available through Raymond James Bank.¹ These include FDIC insured checking, savings and money market accounts (several account options combined with convenient automated sweeps to and from Raymond James brokerage accounts), ATM access, VISA® CheckCard, direct deposit, Internet Banking with online bill pay service, home equity loans, home equity lines of credit, residential first mortgage loans for purchase or refinance, and commercial lending.
• Traditional and negotiable brokered CDs in a variety of maturities are available and are FDIC-insured up to $250,000* per depositor per issuing institution.
• Our line of margin credit accounts allows your client to borrow against the collateral of eligible securities custodied at Raymond James at very competitive interest rates. Margin accounts are not suitable for all investors and should be used prudently.²
• Consolidated statements list activity of all related Raymond James accounts.
• The Capital Access Investment Account combines a full-service investment account with a comprehensive cash management program. Features include unlimited check writing, a VISA Platinum debit card with an optional rewards program, loans, free street name dividend reinvestment, electronic deposits/payments, direct access to account information via the Internet and complete investment services summarized on a single, thorough monthly statement, which includes cost basis information, estimated gains and losses, and itemized cash activity (VISA transactions, checks written and deposit activity) for easier reconciliation. A client-defined income and expense coding system helps track cash flow and identify tax-deductible expenses. Capital Access accounts automatically receive performance reporting. An annual summary statement recaps the prior year’s brokerage, VISA and deposit/check writing activity in an organized format, which can be very helpful when preparing tax returns.

* Legislation increasing deposit insurance coverage limits from $100,000 per eligible account and account holder to $250,000 took effect October 3, 2008, and is currently set to expire December 31, 2009. IRAs and certain other retirement accounts insured for up to $250,000 prior to this legislation will continue to be insured for that amount after December 31, 2009, barring any further legislative changes. The deposit insurance coverage limits refer to the total of all deposits that an account holder (or account holders) has at each FDIC-insured bank. Visit fdic.gov for more information.

Bonds

• Raymond James maintains active markets in government, municipal and corporate bonds, as well as unit investment trusts and preferred securities.
• We offer advice and consultation for municipalities and other agencies that issue tax-free bonds, as well as underwriting services for new and secondary issues.

Custodial Services

• We offer custodial services for trust and estate securities, individual retirement accounts, and corporate pension and profit sharing plans.
• We service each account to accomplish a particular client or estate purpose, such as establishing a trust account, joint account or custodian account for a minor.

Insurance and Annuities

• Insurance support services for individual and business needs are available, including reviews and evaluations of life, long-term care and disability insurance, fixed and variable annuities, and other alternatives for financial and estate planning.

¹ Raymond James & Associates, Inc. is affiliated with Raymond James Bank, member FDIC, a federally chartered savings bank. Unless otherwise specified, products purchased from or held at Raymond James & Associates are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.

² Borrowing on margin and using stocks as collateral involves a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the investor, he or she will be required to deposit additional securities and/or cash in the account. The securities in the account may be sold to meet the margin call, and the firm can sell the investor’s securities without contacting them. The interest rates charged are determined by the value of the cash and securities in the account prior to initiating the loan.

Investment Banking

• Our full-service investment banking practice offers creative solutions and structuring for public and private equity and debt capital raises.
• We provide merger and acquisition advisory services, including sales and divestitures, leveraged buyouts, and fairness opinions and valuations.
• We offer restructuring services for companies, creditors and equity holders facing financial challenges.

Mutual Funds

• A wide selection of open- and closed-end mutual funds are available and designed to meet specific financial objectives while offering diversification and professional management.

Online Services

Raymond James Investor Access allows clients to:

• Obtain account information in real time,
• View equity quotes on a 20-minute-delayed basis,
• Review the prices of securities in their portfolios and check the day’s percentage change,
• Access company information and research, and
• Access online copies of statements, trade confirmations and tax reporting documents.

Raymond James Bank Internet Banking allows account holders to:

• View their account balances and account history,
• Pay bills and transfer funds between Raymond James Bank accounts,
• Reorder checks, and
• Benefit from direct deposit.

Quotations and Information

• We offer current, fast and accurate quotations for securities, regardless of type.
• Quotations are available for prior years to establish tax cost basis for capital gains and estate purposes. For example, high, low and/or closing prices.
• We offer full-service brokerage facilities for handling the sale of estate securities to provide for the prompt remittance of proceeds.
• Assistance in compiling data for intangible tax returns is available.
• We offer advice on and/or transactions in foreign securities. Please note that international investing involves special risks, including currency fluctuations, different financial accounting standards and possible political and economic volatility.

Research

• Raymond James offers research on a wide range of investment alternatives – including equities, open- and closed-end mutual funds, fixed income investments and asset managers – designed to aid in investors’ decision making.
• Our publications provide clear recommendations to guide investors and are issued regularly. These publications are for you to use in your practice and your personal investment decision making.
• We offer expert portfolio analysis for trusts, estate accounts and others. Dedication

Retirement Plan Services

• We have affiliated actuaries who design and implement defined benefit pension plans and related retirement plans. Full administrative services are available.

Transfer Services and Accounting

• We offer advice and assistance in determining the proper forms required by transfer agents to facilitate the transfer of title for any particular security for legal or estate purposes.
• Client or estate statements are produced through state-of-the-art computer systems providing records of all transactions.

Trust Services

• Comprehensive and personalized trust services are offered through Raymond James Trust N.A. Fees are competitive and available on an unbundled basis.

Underwritings

• We offer syndication and distribution of initial public offerings and secondary issues for a wide variety of equity and fixed income investments.

Building Strength Through Partnership

With the support of a leading investment firm like ours, you can add a dynamic to your practice that your clients will appreciate. They’ll enjoy a broader range of services, and you’ll enjoy the increased business. What’s more, you can be confident that by working with a firm that’s built its own success around a client-centered philosophy, you’ll have a partner that not only understands your commitment, but shares it.

To learn more about how our support and services can help enhance your business, contact us, today.