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Some of the services we offer include:
Portfolio Management
We offer a variety of portfolio management services for individuals,
pension and profit sharing plans, retirement funds, foundations,
endowments and trusts. In addition to our traditional investment
accounts, we offer several fee-based accounts which feature annual
fees and low (or no) transaction costs.
Bonds
We maintain active markets in corporate, government and municipal
bonds. We also offer advice and consultation services for
municipalities and issuers of municipal bonds.
Corporate Finance
We can provide assistance in arranging sales, mergers or acquisitions
of, or for, large businesses. In addition, we offer consultation
services for owners of privately held companies that may be interested
in a public offering.
Insurance & Annuities
Our insurance support services cover both individual and corporate
group needs. We provide evaluations of life, health and disability
insurance; fixed and variable annuities; and other insurance products
for financial and estate planning.
Mutual Funds
Our clients can choose from thousands of mutual funds (including open-
and closed-end funds, load and no-load funds) from a variety of mutual
fund companies. These funds cover a broad range of investment
objectives, from current income to capital appreciation and many
styles in between.
Mutual Funds are offered by prospectus only, which details all fees
and charges. Please read carefully before investing or sending money.
Protection of Accounts
Securities in accounts custodied at Raymond James & Associates are
protected by the Securities Investor Protection Corporation (SIPC) up
to $500,000, including up to $100,000 in cash, in the event of the
firms liquidation. An additional $99.5 million of coverage, including
another $900,000 for cash awaiting investment, was purchased from
Travelers Casualty and Surety Company of America, a company with an
AA- Standard & Poor¹s, A++ A.M. Best and AA Fitch rating, providing a
total of $100 million. Coverage does not protect against market
fluctuations.
Quotations & Execution
Our quote and communications system ensures fast, accurate quotations
on both listed and OTC securities. Our program also gives you instant
access to research updates, market analyses, insurance products, money
rates, and trading inventories on bonds, CDs and OTC securities. We
can provide quotations for prior years to establish the tax cost basis
for capital gains and estate purposes, as well as accurate and timely
information on changes in the cost basis of securities resulting from
stock splits, stock dividends and non-taxable dividends. We can also
assist you in compiling data for intangible tax returns.
Research:
Equities & Mutual Funds
Our nationally recognized equity research department frequently issues
reports on individual companies, as well as "The Focus List", a
monthly report featuring current stock recommendations and commentary
on the market and the economy.
Raymond James Financial Services, Inc. was the first firm to publish
independent, specific recommendations on individual mutual funds and
sectors. Comprehensive reports include easy-to-understand performance
data, top holdings, general data and a hypothetical illustration of a
$10,000 investment with dividends and capital gains reinvested, if
applicable. Also offered are qualitative analyses of the funds future
performance potential based on interviews with the fund manager.
Tax Planning
We offer tax-advantaged investments which are designed to eliminate or
reduce the impact of taxation on investment income.
Retirement Planning
We have a variety of retirement planning vehicles for individuals and
businesses, including IRAs, fixed and variable annuities, life
insurance, mutual funds, and pension and profit sharing plans.
Stocks
We trade a wide range of securities on most major national and
regional exchanges, including listed stocks, over-the-counter stocks,
options, and convertible and preferred securities.
Important Consumer
Information:
1. A broker-dealer, investment advisor, BD agent or IA
representative may only transact business in a particular state after
licensure or satisfying qualifications requirements of that state, or
only if they are excluded or exempted from the state's broker-dealer,
investment advisor, BD agent or IA representative requirements, as the
case may be.
2. Follow-up, individualized responses to consumers in a
particular state by broker-dealer, investment advisor, BD agent or IA
representative that involve either the effecting or attempting to
effect transactions in securities or the rendering of personalized
investment advice for compensation, as the case may be, shall not be
made without first complying with the state's broker-dealer,
investment advisor, BD agent or IA representative requirements, or
pursuant to an applicable state exemption or exclusion.
3. For information concerning the licensure status or
disciplinary history of a broker-dealer, investment advisor, BD agent
or IA representative, a consumer should contact his or her state
securities law administrator or if Internet services are available,
log on to
www.nasdr.com or
www.sec.gov .
4. Raymond James Financial Services, Inc. is registered with
the Securities and Exchange Commission as a Registered Investment
Advisor in accordance with the Investment Advisors Act of 1940.
Raymond James Financial Services, Inc. is a Registered Broker/Dealer,
member of the National Association of Securities Dealers (NASD) and
the Securities Investor Protection Corporation (SIPC) and with the
Securities Exchange Commission in accordance with the Securities
Exchange Act of 1934. This entity is registered to transact business
in all 50 states of the United States. The information presented
herein is for informational purposes only and does not constitute a
solicitation to buy or sell securities or investment advisory
services.
5. The Registered Representatives and Investment Advisor
Representatives do not offer or provide tax and/or legal advice.
Individuals should consult with their own tax and/or legal
professional for their specific needs.
6. Marc Pearl, California Insurance Agent #OD17274;
Eric Foster, California Insurance Agent #0E18010
7. Protecting Clients’ Privacy
Gramm-Leach-Bliley (GLB) Act
Disclosure of Nonpublic, Personal Information
In November 2000, Congress passed legislation to modernize the laws
governing the financial services industry. Included were several
provisions to enhance the customer privacy protections that have been
the hallmarks of securities firms, banks and insurance companies.
As of July 1, 2001, all financial institutions had to clearly,
conspicuously and annually disclose their policies for collecting and
sharing nonpublic, personal information. Specifically, these policies
must disclose:
- The types of information we share
- The types of third parties we share information with, and
- Information about our privacy policies and practices.
We collect a variety of nonpublic personal information from you,
including:
- Information we receive from your
applications or other forms;
- Information about your transactions with us or others; and
- Information you provide to us from telephone conversations.
This information is required in order to conduct business on your
behalf. The information we gather is available to departments and
employees of Raymond James Financial Services, Inc. on a “need to
know” basis. We may also share our database from time-to-time with
various corporate affiliates also engaged in financial services. We
also share information with certain unaffiliated third parties with
whom we must in order to conduct business on your behalf. These third
parties may include our clearing broker/dealers, the custodians of the
assets held in your account(s), mutual fund companies, and portfolio
managers. We do not provide, disclose or sell any nonpublic
information to unaffiliated third parties for marketing purposes.
Our internal security procedures include physical, electronic and
procedural safeguards to protect your nonpublic personal information.
Our computer database has multiple firewalls installed to protect
against threats or hazards to the security and/or integrity of
customer records, and protect against unauthorized access to records
that may harm or inconvenience our customers.
If you discontinue using our services, we will continue to adhere to
our privacy policies and practices with regard to your nonpublic
personal information.
8. Investor Education & Protection - NASD Conduct Rule 2280
NASD Regulation, Inc.
Hotline Telephone Number (800) 289-9999
Public Disclosure
NASD Regulation, Inc.
P.O. Box 9401
Gaithersburg, Maryland 20898-9401
Fax: (301) 212-8137
NASDR Web Site
www.nasdr.com
Brochure Availability Program:
“NASD Regulation’s Public Disclosure
An information Service for Investors”.
This investor brochure is available by calling the Hotline Telephone
number or through the NASDR Web Site.
To register a written complaint with the Representative’s
Broker-Dealer, investor correspondence should be directed to:
Raymond James Financial Services, Inc.
880 Carllion Parkway
St. Petersburg, FL 33716
Attention: Compliance Officer
(800) 237-8691
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