In building your financial plan, we take a pen picture of your current situation, then discuss and plan for your unique financial and life goals and ambitions. These may include protecting you against an inability to work, creating sufficient wealth to enable you to become financially independent, preserving and growing your existing wealth in the most tax efficient manner and protecting your assets for future generations.
Working together we will build a strategy to help you achieve these goals, which we will review regularly with you.
Day to day investment decisions are made by us within your agreed risk and objective parameters, whilst keeping your portfolio costs to a minimum.
Before any portfolio changes are made, these will be discussed with you. This service is aimed at clients who have high market engagement and a good level of knowledge.
No advice is given, trades executed on your instruction to a high standard through our dedicated dealing desk.
There are no administration fees or other facility costs in establishing a Raymond James Loan Account. You will only pay the interest on the amount borrowed, which will accrue daily and be added to the loan balance on a monthly basis.
You can continue to trade your investments against which you have obtained a Raymond James Loan Account, provided sufficient eligible securities are maintained in your account at all times as outlined in the Loan Account agreement.
A competitive interest rate, specifically the overnight Bank of England base rate + 5%, which currently equates to 5.5% (5.6% APR). Interest is added to the loan balance on a monthly basis. The Bank of England base rate may move up or down in the future which in turn will affect the rate on the loan account.
Better understand the most pressing local needs and the charities best placed to help
Simplify the giving process for you through a proven philanthropy model and with the help of experienced staff
See the real impact of your donations by providing tailored reports and visits to enable you to see first-hand the difference you made
Support local causes that matter to you and your community
Target smart and sustainable local philanthropy to meet local needs
Make connections to vital causes that fly under the radar of other donors