For successful families or business owners who are serious about making smart choices with their money, we offer the following services:

Lending Solutions
Cash Management Solutions
Investment Management Consulting
Alternative Investments for Diversification
Insurance & Risk Management Solutions
Trust and Estate Services
Concentrated Stock and Options Strategies
Solutions for Businesses and Corporations

Fleishel Financial works with clients to meet personal lending needs, including access to liquidity without selling securities. And for business owners, there are a variety of commercial lending heeds.

Through Raymond James, FSB, we are able to make an array of lending options available to individuals and corporations. These include mortgages and personal lines of credit, as wella s lines of credit using margins.

Cash Management Solutions

Fleishel Financial helps its clients maximize returns on cash, evaluates cash as part of your asset allocation, and gives you tools to access cash efficiently for everyday use.

Cash Management includes sweep options and brokered CD's. Accounts offer the capabilities of check writing, platinum visa debit cards, online banking and bill paying, and overdraft protection with margin.

Investment Management Consulting

Portfolio Construction: In an effort to manage risk to achieve your long term financial goals, we follow a disciplined four step process:

Step 1 - Develop forward looking risk, return, and correlation assumptions for different asset classes

Step 2 - Optimize the asset allocation and build efficient portfolios from the selected asset classes

Step 3 - Search for and hire quality managers that have consistently compensated investors for the active risk taken and construct our client's portfolios. (Keep in mind past performance does not guarantee future results).

Step 4 - Continuously monitor every element of the process to ensure that we are providing a quality program.

With this process, we go further than the typical approach to:

• Provide you with a diversified portfolio that is constructed to help you stay on track for long term success.
• Help you avoid surprises that can negatively impact a portfolio and prevent you from reaching your goals.
  

Diversification among different asset classes may lower overall volatility, but does not ensure a profit or guarantee against a loss.

Alternative Investments for Diversification

These investments include managed futures, real estate hedge funds, long and short equity, event driven fund of hedge funds, commodities, equipment leasing, structured products, and private equity including venture capital and leveraged buyouts.

*There are risks associated with all Alternative Investments. Please consult your Financial Advisor to find out what is suitable for your unique situation before investing.

Insurance & Risk Management Solutions

These include solving business owner challenges, charitable legacies, executive benefit planning, and personal insurance strategies.

Through Raymond James' Planning Corporation of America (PCA), Fleishel Financial works to design, implement and fund business and/or personal financial goals and objectives using specially designed life insurance products. It matches the right product, insurance company and price to the solution through relationships with over 20 carriers.

Trust and Estate Services

These solutions include estate & trust settlement, custodian & agent for trustee, executive benefit planning.

Personal Trusts include:

• Testamentary
• Living (Revocable and Irrevocable)
• Irrevocable & Special Needs Trusts
• Life Insurance Trusts
  

Raymond James Trust Companies provides personal trust services to individuals and families. We can act for you and your family as an objective, professional trustee of your personal trusts, during your life and after your death, with active management of your assets provided locally through your Raymond James Financial Advisor.

Concentrated Stock and Options Strategies

There can be significant risk associated with large concentration of wealth in a single stock or a few stocks.

Issues to Consider:

• Liquidity Needs
• Tax Recognition
• Emotional Attachment
• Estate Planning
• Diversification

Our Team has access to specialists to address the following list of issues:

• Low Cost Collars
• Variable Prepaid Forwards
• Exchange Funds
• Managed Account Solutions
• Margin Lending
• Charitable Gifting Strategies
  

Due to the complexities involved in these strategies, it is important that you work closely with your financial advisor and tax professional to ensure that any technique employed is suitable for your long-term objectives and risk tolerance.

Solutions for Businesses and Corporations

Our solutions include: investment banking, retirement planning, consulting, employee benefits, and commercial lending.

Additional services include: full investment banking capabilities, mergers and acquisitions underwritings advisory, private placements, and Raymond James Bank Corporate Lending Access to third party plan administrators.

For more information about these services please call Cyndi at 386-738-1800, Extension 301.