What Are Wealth Management Services?

Risk profiling, institutional asset allocation, and money management selection are the foundations of a strong plan in a rapidly changing environment. We’ll help you navigate with a customized strategy.

In today’s complex marketplace, even sophisticated investors are challenged to stay current, to monitor their investments, and to respond to rapidly changing conditions.

Through the Asset Management Services from Raymond James, IFS provides access to professionals whose skills at risk profiling, institutional asset allocation and money management selection can help you navigate a rapidly changing environment. These services are intended for investors who’d like to free themselves from the need to constantly monitor asset allocation and portfolios.

Asset Management Services should be:

  • Customized to meet your unique needs
  • Fee-based so advisors have a vested interest in their clients’ success
  • Strategic, to reflect the dynamic nature of the market and your life

Asset-Based & Wealth Advisory Services Fee Schedule

Fee-Based Relationship Value Annualized Fee
$- 99,999 1.65%
$100,000 249,999 1.50%
$250,000 499,999 1.40%
$500,000 749,999 1.25%
$750,000 999,999 1.15%
Amounts $1,000,000 and Over 1.00%

Analytical Insights

For individuals seeking a disciplined, systematic strategy to manage risk and return, active management has never been easier:

Step 1. Complete Questionnaire

We will help you complete a comprehensive Investment Policy Questionnaire which is used as a starting point to determine risk tolerance, time horizon and return expectations. Our Asset Management Services Team then develops the kind of forward-looking risk and return assumptions that move beyond just using historical data, which has been shown to encourage trend-chasing behavior in even the most sophisticated investor.

Step 2. Construct Asset Allocation

Asset allocation choices are constructed and presented for full discussion. You’ll find that the forward-looking capital markets assumptions are used in a sophisticated optimization process that seeks to maximize the return potential at each level of risk in an approach that is specifically selected to fit your situation and respect your dreams for the future.

Step 3. Assemble Portfolios

Managers are selected and portfolios created. We do more than just examine a manager’s total returns, we isolate their efforts from the effects of the market, seeking to identify manager skill. We treat portfolio construction as a distinct piece of the process.

Step 4. Proactively Monitor

We proactively and continuously monitor each element of the program. We scrutinize every manager in an effort to proactively identify issues that could impact performance. We search for potential managers who meet strict requirements.

You can be confident that you have access to a broad range of investment alternatives and that your portfolio is being managed in a manner that’s customized, comprehensive and ongoing. All this frees you from the day-to-day monitoring of your investments. And you don’t have to sacrifice quick response when your life changes.

Investing involves risk and you may incur a profit or a loss. There is no assurance that any investment strategy will be successful.

What is a Managed Account?

A separately managed account is one that’s owned by the individual investor and monitored by a professional money manager. In the past, only institutional investors (like large pension plans and endowments) could get access to professional money management firms. But that’s changed. Now the services of these money managers are within reach of individual investors just like you.


The Features of Separately Managed Accounts

– Customized management of your portfolio

– Fee-based structure based on the level of assets. No traditional commissions.

– Professionally managed

– Strategic tax planning potential.

Managed Accounts

We believe there is great potential in today’s wide range of investment alternatives – and we recognize a corresponding increase in complexity as well. That’s why IFS and Raymond James are dedicated to providing institutional-quality portfolio options for individual investors. We believe that individual investors deserve a disciplined, systematic strategy to manage risk and return.

With a managed account, you’ll gain access to carefully-selected institutional money managers and a process designed to help you to more systematically diversify your holdings. We help you select a portfolio that closely matches both your financial objectives and your level of risk tolerance. Then we systematically monitor risk and return on an ongoing basis.

This is a powerful approach. By working closely with us, you’ll invest using a process similar to that used by the most sophisticated institutions.

You Can Count on IFS and Raymond James

We have access to resources that enable us to:

  • Offer the kind of services that meet sophisticated challenges head-on
  • Focus on risk management through asset class diversification
  • Guide you in selecting an appropriate asset allocation model
  • Monitor your allocation.
  • Select quality portfolio managers
  • Utilize forward-thinking research

Investing involves risk and you may incur a profit or a loss. There is no assurance that any investment strategy will be successful.

Diversification does not ensure a profit or guarantee against a loss.
There is no assurance that any investment program will result in success. Investing involves risk and investors may incur a profit or a loss. Separately Managed Accounts (SMAs) may not be appropriate for all investors. SMA minimums are typically $100,000 and greater, thus SMAs may be more appropriate for affluent investors with $300,000 or more to invest. While diversification may be achieved within an individual SMA, due to holdings typically numbering between 20 and 70 securities, it is recommended that clients utilize multiple SMAs with varied investment disciplines (growth, value, large-cap, mid-cap, etc.) to achieve greater diversification. It is important to review investment objectives, risk tolerance, tax objectives and liquidity needs before choosing an investment style or manager. In making an investment decision an individual should utilize other information sources and the advice of their financial advisor.
All investments carry a certain degree of risk and no one particular investment style or manager is suitable for all types of investors. Statements made herein should not be considered forward looking, and are not guarantees of future performance of any investment.
A complete schedule of charges associated with the Raymond James Consulting Services program is available in the Raymond James & Associate’s Wrap Fee Program Brochure and the RJCS Client Agreement, which are available from your financial advisor.
Potential for strategic tax planning includes gain/loss harvesting and management of low cost basis positions. Limitations may apply and services may not be available with every discipline. Please contact your financial advisor for additional information.
In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part II as well as the client agreement.