Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Selection of Others Advisors
- Publication of Periodicals or Newsletters
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
Available Fee Structures
- Percentage of Assets Under Management (AUM)
Raymond James (Usa) Ltd Overview
RAYMOND JAMES (USA) LTD is a fee-based registered investment advisory firm that has been in business since 2011. With headquarters located in Vancouver, the firm provides investment advice and financial planning services to individuals and small businesses. As a broker-dealer, RAYMOND JAMES (USA) LTD also offers portfolio management services and has a selection of other advisors available to assist clients with their investment needs. Clients of the firm can expect to receive unbiased recommendations and advice as they work towards achieving their financial goals. In addition, RAYMOND JAMES (USA) LTD also publishes periodicals and newsletters to keep clients up-to-date on the latest industry news and trends. With its focus on providing quality service and investment advice, the firm has established itself as a trusted partner for clients seeking to build and manage their wealth.
Raymond James (USA) Ltd is a full-service financial advisory firm that caters to a diverse clientele. The firm serves individuals from all walks of life, from those just starting their financial journey to those who have already accumulated significant wealth. In addition to individuals, RAYMOND JAMES (USA) LTD also serves high net worth individuals who require specialized services to navigate the complexities of their unique financial situations. The firm's client base includes professionals, business owners, retirees, and families. Raymond James (USA) Ltd recognizes that every client has different financial needs and goals, which is why the firm offers a variety of fee structures based on the services provided. One common fee structure is a percentage of assets under management (AUM), which is a fee levied as a percentage of the total assets a client has invested with the firm. This often includes investment management and financial planning services, among other services RAYMOND JAMES (USA) LTD offers. Alternatively, the firm may offer clients the option of a flat fee or an hourly rate for certain services, such as financial planning or tax preparation. Regardless of the fee structure chosen, clients can expect a high level of expertise and personalized attention from the team at RAYMOND JAMES (USA) LTD.
Typical Clients, Fee Structures & Investment Minimum
According to the Part 2 Brochure of RAYMOND JAMES (USA) LTD, the firm does not mention any specific investment minimum requirements. Therefore, it can be assumed that the firm does not have any investment minimums, or they may vary depending on the specific investment strategy or product. Individuals seeking to invest with the firm should directly contact RAYMOND JAMES (USA) LTD and inquire about any minimum investment requirements.
How This Office Can Help Calhoun County, AL Residents
Raymond James offers a range of financial services to assist clients in Calhoun County, AL. The region presents unique challenges when it comes to finances, including a relatively high poverty rate and low median household income. Clients in the area might require financial planning assistance, investment advice, or help with managing their estate. Raymond James helps individuals navigate these challenges by offering tailored solutions that are customized to their specific needs. For clients in Calhoun County, AL, Raymond James can provide a wide variety of financial guidance. For example, the firm can assist those looking to plan for retirement or invest their money wisely. With expertise in estate planning, investment management, and more, the Raymond James team can help clients make informed decisions that align with their long-term goals and aspirations. Overall, the company's mission is to provide high-quality, personalized financial advice and support that helps individuals and families in Calhoun County achieve financial stability and security.
Services Offered by Raymond James (Usa) Ltd
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Raymond James (Usa) Ltd most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Unavailable
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Subscription (Newsletter or Periodical)
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
Firm Headquarters
This firm has no other locations.
Disciplinary History
Raymond James (Usa) Ltd does not have any disclosures. Please visit it's Form ADV for more details.