Wealth Solutions

Lending and Cash Management

Many clients do not consider their full range of borrowing options when they are in need of liquidity. Also, clients overlook the benefits of consolidating their cash management needs with their investment accounts. In many cases, we can assist in providing targeted recommendations on these issues, competitive lending solutions and cash management tools to clients.

CAPITAL ACCESS CASH MANAGEMENT TOOLS

Capital Access combines the benefits of a brokerage account with check writing, a Visa® Platinum debit card, rewards program, online bill pay and enhanced reporting. By combining these features, we can provide guidance on spending habits, which is especially important during retirement.

READY ACCESS PERSONAL LINE OF CREDIT

Clients can access immediate credit against their securities with no additional paperwork, no closing costs and competitive rates if this feature is enabled on their accounts. Clients can tap into the borrowing power of their securities with no regular payment schedules.

ATTRACTIVE CASH SWEEP RATES

Many investment firms tier the rates they pay clients based on relationship size.

Raymond James offers attractive rates on cash balances regardless of a client's relationship size.* We encourage clients to deposit their excess cash in their RJ accounts to take advantage of our attractive rates.

*Subject to minimum cash balance in some instances

BANK SECURITIES LENDING

Some clients require a separate bank line of credit for specific purposes. Raymond James Bank can extend credit to clients who pledge their securities accounts as collateral.

Securities based Line of Credit provided by Raymond James Bank, N.A., a federally chartered national bank. Raymond James Financial Services, Inc. is affiliated with Raymond James Bank. Steward Partners Investment Solutions, LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate Steward Partners Investment Solutions, LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

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