In a well-structured portfolio, cash is as important an element as fixed income and other investment alternatives. Yet all too often, raymond james investment services do not spend as much time researching the potential returns on their cash as they do on other investments. Instead, they are content with low returns offered when superior alternatives may be available in today’s marketplace. FDIC-insured alternative for the conservative portion of an investment portfolio when investors are able to lock in a rate for a few months or longer.

With a rate of return at competitive interest rates, these CDs offer conventional benefits and a number of features not available through many investment firms or traditional banks. Earn a competitive rate of interest. Your funds will then be available for a real estate closing, a college tuition payment, a future investment opportunity or another situation. Any penalty for early redemption is waived for all required minimum distributions from CDs held in Raymond James IRAs. Interest on Raymond James Bank CDs is compounded daily.

Interest can be paid monthly, quarterly, semi-annually or annually. Clients may also elect to have interest paid at maturity for CDs with terms of one year or less. Raymond James Bank offers the convenience of receiving consolidated brokerage and bank information on one statement, including updated Raymond James Bank CD details. For additional information about Raymond James Bank’s customized CDs, please call Raymond James Bank at 800-718-2265. Associates or Raymond James Financial Services, please contact your financial advisor. Associates, and Raymond James Financial Services.

Non-clients may open a CD by making a deposit in person or by mail at our St. Products, terms and conditions subject to change. Associates or Raymond James Financial Services 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. At Raymond James Asset Management, we spend our days deep in the details of creating and managing successful investment portfolios so you don’t have to. With our Freedom portfolios, you have the flexibility to choose from a range of carefully constructed portfolios that align with your specific financial goals.

Further information on the funds selected for the Freedom portfolios is available by prospectus, which can be obtained through your financial advisor. All investments are subject to risk. It is important to review the investment objectives, risk tolerance, tax objectives and liquidity needs before choosing an investment style or manager. All investments carry a certain degree of risk and no one particular investment style or manager is suitable for all types of investors. SIPC and Raymond James Financial Services, Inc. SIPC are subsidiaries of Raymond James Financial, Inc. Our Board of Directors Jeffrey P.

Fleet’s Chief Compliance Officer, and when Fleet and Bank of America merged, she became a compliance executive with Bank of America in Charlotte, North Carolina. She later assumed the role of CCO for Wells Fargo and Toronto Dominion Group. Director and Treasurer for Triad Foundation, Inc. Joined First Tennessee Bank, National Association as Executive Vice President in 2004.

He was named President of the Mid-Atlantic Region in January 2013 and Chairman of the Region in 2016. Prior to joining First Tennessee Bank, enjoyed 20 years with Wachovia Corporation, most recently as the Managing Director of the Building and Forest Products, Metals and Mining Group within the Corporate and Investment Bank. Board member, The Reynolda House Museum of American Art. Advisory Board member, Brenner Children’s Hospital. Completed the Executive Leadership Program at Duke University.