Business Owner Solutions

Your partner at every stage of your business journey

Strategies designed for what's next

For owners and leaders, running a business means balancing day-to-day operations, decisions, personal wealth and long-term plans – often all at once.

With Raymond James, you get guidance that’s designed to connect the different facets of your life together and see the full picture. From growth planning to succession and exit strategies, your advisor can help align your business and personal objectives through integrated planning.

Growth and expansion

Business growth creates opportunities – but also introduces more concentrated risks and complex decisions. With your objectives in focus, we help you scale in ways that won’t limit your options later.

Preparing for transition

Your transition begins long before a deal is on the table, and exiting your business often brings tax, estate, personal and personnel decisions into focus all at once. We help you align them.

After the transition

Post-transition, the focus shifts, but decisions rarely slow down. Your advisor can help you translate the liquidity you’ve built into a big picture, long-term wealth strategy.

Get the right support at the right time for your business

Business planning

The bigger your business gets, the more everything connects. As it grows, expansion affects ownership structure; succession impacts estate planning; tax strategy shapes your personal liquidity. Your Raymond James advisor can offer the forward-looking perspective those moments demand so that today’s progress doesn’t become tomorrow’s constraint.

  • Succession and exit planning
  • Personal estate planning
  • Tax mitigation
  • Charitable giving strategies
  • Business valuation insights

Employee benefits

A well-structured benefits program can attract and retain the people who drive your business forward. We work with you to build programs that support your business and help your people pursue their own financial goals.

Retirement Plan Solutions
  • Retirement plans
  • Executive benefits (non-qualified deferred compensation)
  • Stock plan solutions
  • Cash balance plans
  • Investment due diligence solutions
  • Financial planning offerings
  • Employee wellness programs

Risk management

Having the right protection in place is about making sure one unexpected event doesn’t disrupt everything else you’ve worked hard to build. We help structure coverage thoughtfully so that each element supports your business, preserves your income and keeps your long-term plans on track.

  • Key person insurance
  • Disability insurance
  • Long-term care and annuities
  • Property and casualty insurance (personal and institutional)
  • Life insurance (personal and institutional)
  • Complex personal insurance

Lending & liquidity*

As new possibilities take shape for you and your business, our banking and liquidity strategies help you address near‑term needs without disrupting long-term goals.

  • Small- and middle-market business lending
  • Lending against concentrated stock positions (public and pre-IPO)
  • Equipment financing
  • Venture debt solutions
  • Securities based lending and tailored loans
  • Interest rate hedging strategies
  • Commercial real estate financing
  • Long-term cash management and cash alternatives

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 provided by Raymond James Bank. Raymond James Bank, member FDIC, affiliated with Raymond James Financial Services and Raymond James & Associates, Inc.

Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, member FDIC.

Insurance products offered through Raymond James Insurance Group, Inc., an affiliate of Raymond James & Associates, Inc. and Raymond James Financial Services, Inc.

Every investor’s situation is unique and you should consider your investment objectives, risks, and costs before making any investment. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Strategies and investments listed are not recommendations.

 

Private Wealth Solutions for Business Owners and Executives

Working with your Raymond James advisor, you’ll have a single point of guidance that brings together business owner planning and private wealth resources, ultimately, helping you connect business decisions to personal goals – before and after a liquidity event.

Private Wealth Services

They know all there is to know about business

Business Wealth

Raymond James asked business owners how they’re approaching their livelihoods, their futures and the places where the two intersect.

View our key findings

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