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Flexibility and access, without compromising your strategy.

Banking Solutions

Capital access, designed with intention

Cash Management & Lending Options

Effective financial planning extends beyond investments to include liquidity, access, and flexibility. Our cash management and lending solutions are designed to complement your broader financial strategy—helping provide security, convenience, and the ability to deploy capital thoughtfully when opportunities or needs arise.

Flexibility and access, without compromising your strategy.

Cash Management & Lending Options

FDIC Brokered Certificates of Deposit (CDs)

Brokered Certificates of Deposit offer a secure, income‑focused option for cash reserves. By accessing a broad marketplace of issuing banks, brokered CDs may provide competitive yields while benefiting from FDIC insurance within applicable limits.

Money Market Solutions

Money market funds offer liquidity, stability, and efficient cash management. These vehicles may serve as a temporary holding option for excess cash, portfolio rebalancing, or upcoming expenses, while remaining easily accessible as financial needs evolve.

Securities‑Based Lending

Securities‑based lending allows clients to access liquidity without liquidating investment holdings. By borrowing against eligible securities, clients can address short‑term funding needs, manage cash flow, or pursue opportunities while maintaining their long‑term investment strategy.

Checkwriting & Debit Card Access

Convenient access to funds is an essential element of effective cash management. Checkwriting and debit card capabilities provide seamless day‑to‑day access to available cash, supporting both personal and business needs

Understanding your Banking Options

Gain clarity on how standalone bank products compare to the comprehensive options offered through our firm.

Schedule a Private Consultation
CDs are insured by the FDIC, an independent agency of the U.S. Government, up to a maximum of $250,000 (including principal and accrued interest) for all deposits held in the same insurable capacity (e.g. individual account, joint account, IRA etc.) per CD depository. Investors are responsible for monitoring the total amount held with each CD depository. All deposits at a single depository held in the same insurable capacity will be aggregated for the purposes of the applicable FDIC insurance limit, including deposits (such as bank accounts) maintained directly with the depository and CDs of the depository.
For more information visit the FDIC website at www.fdic.gov.
INVESTMENTS AND INSURANCE PRODUCTS: NOT FDIC INSURED · NOT A BANK DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · NOT BANK GUARANTEED · MAY LOSE VALUE
 
A securities-based line of credit may not be suitable for all clients. The proceeds from a Securities based Line of Credit cannot be used to purchase or carry margin securities. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the collateral call, and the firm can sell the client’s securities without contacting them. The interest rates charged are determined by the market value of pledged assets and Capital Access.
Securities Based Line of Credit and banking products are provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank.
Steward Partners Investment Solutions, LLC is a registered Broker/Dealer, Member SIPC, and not a bank.  Where appropriate, Steward Partners Investment Solutions, LLC has entered into arrangements with banks and other third parties to assist in offering certain banking-related products and services.
An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.  Although a money market Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.
Mutual funds are sold by prospectus. Investors should carefully consider the investment objectives and risks as well as the charges and expenses of mutual funds including the underlying portfolios before investing. To obtain a prospectus, contact your Wealth Manager. The prospectus contains this and other information about the investment. Read the prospectus carefully before investing.