Whether you're pursuing a major purchase, growing a business, managing cash flow, or planning for the future, we help you evaluate the best ways to access the capital you need.
Solutions designed for your financial life
Why Planning For Liquidity Matters
Having Wealth and Having Liquidity
Are Not Always the Same
Successful families and business owners may hold substantial wealth in businesses, real estate, concentrated investments, private placements, retirement accounts, or other long-term assets. When capital is needed, the way liquidity is created can have negative implications for taxes, investments, cash flow, and long-term financial goals.
Common Liquidity Needs
Capital Needs Often Occur at Important Financial Crossroads
Liquidity needs can arise unexpectedly or as part of a planned opportunity. We help evaluate how those needs may be funded while considering the client's overall financial position.
Evaluating Your Options
The Source of Capital Can Matter as Much as the Amount
When a significant liquidity need arises, the decision may involve using available cash, selling investments, borrowing against eligible assets, or combining several approaches. We evaluate these alternatives in the context of taxes, interest costs, investment objectives, risk, and the client's broader financial plan.
How Should We Fund It?
Option 1
Option 2
Option 3
Liquidity Solutions We Help Evaluate
Different Needs May Call for Different Sources of Capital
Depending on the purpose, timing, assets available, and broader financial circumstances, different banking, lending, or cash-management solutions may be appropriate. We help clients evaluate available alternatives and determine how each may fit within their overall wealth strategy.
Coordinating Your Liquidity Strategy
The Right Liquidity Decision Should Consider More Than the Cost of Capital
A liquidity decision can affect investments, taxes, cash flow, business interests, estate planning, and long-term financial goals. We help evaluate these considerations together and coordinate with appropriate banking, lending, tax, legal, and other professionals when specialized expertise is needed.
Cost & Terms
- Interest rates
- Financing costs
- Repayment flexibility
Tax Considerations
- Interest rates
- Financing costs
- Repayment flexibility
Investment Impact
- Portfolio disruption
- Opportunity cost
- Concentrated positions
Cash Flow & Risk
- Liquidity reserves
- Debt service
- Collateral
- Financial flexibility
Broader Wealth Strategy
- Business
- Estate & leagacy
- Family
- Long-term objectives
Let's Evaluate Your Liquidity Strategy
Before Selling Assets or Taking on New Debt
Understand Your Options
Whether you are considering a major purchase, business opportunity, real estate transaction, or simply greater financial flexibility, we can help evaluate alternatives within the contect of your overall wealth strategy.
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Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
Banking and Lending solutions are offered through Raymond James Bank, member FDIC, an affiliate of Raymond James & Associates, Inc., Raymond James Financial Services, Inc., and your Raymond James Financial Advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be put into contact with a Raymond James Bank, member FDIC, for your residential mortgage needs.
A line of credit backed by securities, such as a securities based line of credit or a tailored line of credit, may not be suitable for all clients. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals.