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Investors are reminded to compare the findings in this report to their official customer account statements. In the event of a discrepancy, the custodian’s valuation shall prevail. This data is furnished to you as a courtesy and for informational purposes only. This report may include assets that the firm does not hold on your behalf and which are not included on the firm’s books and records. Although this data is derived from information which we believe to be accurate (including, in some cases information provided to us by you) we cannot guarantee its accuracy. This information is not intended and should not be used for any official tax, lending, legal, or other non-financial planning purposes and should not be relied upon by third parties. The values represented in this report may not reflect the true original cost of the client’s initial investment. Please contact your financial representative if there has been a change in your investment objectives, special restrictions, or financial circumstances.
This report should not be used as a substitute for your monthly statement, 1099 or to determine taxability. Changes in tax laws may occur at any time and could have a substantial impact upon each person’s situation. While we are familiar with the tax provisions of the issues presented herein, we are not qualified to render advice on tax or legal matters. The information in this report has been obtained from sources that we believe to be reliable, but cannot be guaranteed. ©2018 Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services are offered through Center for Financial Planning, Inc.®. Center for Financial Planning, Inc.® is not a registered broker dealer and is independent of Raymond James Financial Services. The account listing may or may not include all of your accounts with Raymond James Financial Services, Inc.
Performance The performance data quoted represents past performance and does not guarantee future results. The investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost. The current performance may be lower or higher than the performance data quoted. It is not possible to invest directly in an index. Returns are calculated net of fees. The inception date indicates the date of account or household initiation in the Portfolio Performance system. This date may not match the date the account was opened. Managed Account Performance- In order for managers to track real time cash in managed AMS accounts, certain activity may not reflect the actual transaction dates and market values may differ from what is reported on client statements. The Time-Weighted returns are the same for these accounts. All performance figures exclude unpriced securities (including securities of indeterminate value), limited partnerships (other than limited partnerships classified as Alternative Investments and appearing in that section of your statement). Dividends are not guaranteed and will fluctuate. The CFA Institute has not been involved with the preparation or review of this statement. Accounts that have been closed may be included in the consolidated performance report. When closed accounts are included in the consolidated report, the performance report will only include information for the time period the account was active during the consolidated performance reporting time period. Accounts with Real Time Cash may have cash values updated throughout the day, note that this may cause a difference in account values between performance and holdings reports.
Securities Information Non-proprietary annuity values will show as contributions on the date they became available to the Portfolio Performance system. They are included through the selected calculation ending date. Prior inclusion of these values in the rate of return calculation is not available. Raymond James Certificates of Deposit values will show as contributions on the date they became available to the Portfolio Performance system. They are included through the selected calculation ending date. Prior inclusion of these values in the rate of return calculation is not available. Values include accrued income. Values are based on trade date accounting method. This analysis is for informational purposes only and is intended to be used as part of a complete portfolio review with your financial advisor. The data provided in the asset allocation analysis is subject to inherent limitations and is not guaranteed to represent actual asset class exposure(s) within your account(s) at the time of calculation. See raymondjames.com/asset allocation/faq to learn more. Raymond James and Morningstar data are subject to the availability of fund filings as well as internal analysis and may not represent real-time allocations. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although these funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in them. Short positions and negative cash values are not included in the allocation.
Value Over Time and Asset Growth charts are for informational purposes only and are intended to be used as part of a complete portfolio review with your financial advisor. For additional information, view the performance disclosures below.
Margin involves certain risks, including potential loss of more funds than you deposit in your account. Margin is regulated by the Federal Reserve Board under Regulation T and requires minimum equity to be maintained. If the value of your securities decreases, you may be required to provide additional funds, typically known as a margin call. If those funds are not made available, Raymond James & Associates, Inc. is required to liquidate securities with sufficient value to cover the call. We are not required to notify you in advance and have the option to determine which securities to sell. The percentage of equity you must maintain in your margin account may be increased at any time at our discretion without advance written notice. You are also not entitled to an extension of time on a margin call. Further details are included in your Client Agreement and Truth in Lending statement. Tax consequences associated with options vary depending upon the type of option and the strategies used. Please consult your tax advisor. As defined under Regulation T Section 220.4, a margin account allows you to borrow a specified percentage against marginable securities you own. A permanent record of the Special Memorandum Account (SMA) is available to you upon request. SMA refers to the amount that can be disbursed or used for purchases, provided your account is not in a deficit.
Raymond James Disclosure
This report is not a replacement for the official customer account statements from Raymond James or other custodians. Investors are reminded to compare the findings in this report to their official customer account statements. In the event of a discrepancy, you should rely upon the custodian’s valuation and notify your financial advisor of any discrepancy. This data is furnished to you as a courtesy and for informational purposes only. This report includes assets that the firm does not hold on your behalf and which are not included on the firm’s books and records. Although this data is derived from information which we believe to be accurate (including, in some cases, information provided to us by you) we cannot guarantee its accuracy. This information is not intended for and should not be used for any official tax, lending, legal, or other non-financial planning purposes and should not be relied upon by third parties. Performance data quoted represents past performance and does not guarantee future results. Values in this report cannot be relied upon for tax basis information for tax purposes.
The source data included may be provided by a third party entity. Please contact your advisor for more information about the third party entity including any contact information. Raymond James may rely on mathematical formulas, computer programs, and pricing information from third-party suppliers to provide this data. Periodic software enhancements have occasionally caused possible inconsistencies with some performance calculations. In the case of any inconsistency, notify your financial representative. If any of the source data was provided by you, then Raymond James is relying upon the values provided by you and has not otherwise verified those values.
Whether FDIC insurance, SIPC coverage, or any other form of insurance or protection, may apply to an asset is dependent upon many factors, including the nature of the asset and the nature of the custodian of the asset. This report does not provide any information nor make any representation regarding any insurance or protection that may be applicable to any asset addressed in this report.
Gain/Loss calculations are typically not time weighted and simply indicate the dollar amount or percentage the asset has appreciated or depreciated since purchase date. Reports displaying “Cost or Gain/Loss” information should not be relied upon for tax reporting purposes and are not intended as a substitute for tax advice from your personal tax advisor.
Performance calculations can be shown as both dollar weighted or time weighted depending on the intention of the report. Regardless of calculation method, performance numbers do not indicate or infer future investment performance. Any projected Annual Income and/or Yield is an estimate only based on year-to-date information. Performance calculations generally reflect the deduction of brokerage fees and charges; however, investment advisory fees (if applicable) may or may not have been deducted in performance calculations. If investment advisory fees were not deducted from the performance calculations, then the performance will be higher than it would be if those fees were deducted. Investment Advisory fees on any Raymond James account are described in agreements and disclosures with Raymond James, but we may not know of investment advisory fees charged by another entity.
Consult with your financial representative for the effect that an investment advisory fee, compounded over a period of years, will have on the total value of your portfolio.
The returns of various indexes may be provided as benchmarks for comparison purposes. Consult your financial representative for specific details regarding the benchmark used as a comparison in the report. One cannot invest directly in an index.
The source data described as assets held outside of Raymond James (such as bank accounts, retirement plans, real estate, insurance, annuities, loans, etc.) is provided by the client and is based on values not verified by Raymond James/Center for Financial Planning, Inc.