There are many factors to consider when deciding if a fee-based account is right for you. Before making a decision, you should consider: your past and anticipated investment activity; past and anticipated use of the products and services available in the account; the value and type of eligible assets; the costs and potential benefits of the service; investment objectives and goals and personal preferences concerning available payment alternatives.

You should also consider whether it would be better to pay separately for each trade executed and each product and service used. Since these factors may change, you should periodically re-evaluate whether the ongoing use of a particular asset-based fee program continues to be appropriate for your needs.

Please ask your IAR for a complete schedule of charges, which is available in the HMII & Raymond James’ Forms ADV Part 2A disclosure brochure or the Raymond James client agreement.

Raymond James offers cash sweep programs designed to allow your cash to earn interest while it waits to be invested.  To learn more about these options, please read the Cash Sweep Disclosure.

HMII’s IARs will always help you construct your financial portfolio with products to help assist you with your goals. By doing so, our investment adviser representatives will use every investment tool possible to help you reach your financial goals for you and your family.

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