Frequently Asked Questions (FAQ)

Q: What is the relationship between Early McClintic & McMillan, LLP and Raymond James Financial Services (RJFS)?

A: Early McClintic & McMillan, LLP offers investment planning and management guidance to individuals, locally owned businesses and foundations. They have contracted with RJFS, Member FINRA/SIPC, to provide access to securities investment markets, research, reporting services and the householding of cash and securities.

Q: What types of investment accounts are made available by Early McClintic & McMillan, LLP through Raymond James?

A: The standard investment account offered by Early McClintic & McMillan through Raymond James Financial Services, Inc. a Registered Investment Advisor is fee-based and charges an annual percentage (billed quarterly) of the total assets being managed. There are no traditional commissions charged to you, although RJFS may charge a small additional fee (typically $30 or less) for executing certain transactions. In return, Early, McClintic & McMillan will offer ongoing investment planning and management services, including assessment, allocation, asset management and monitoring of your portfolio. 

In special situations that reflect a client's best interests, a commission-based account will be offered. This account charges standard commission or sales charges on all transactions.

Irrespective of the account type, the Early, McClintic & McMillan investment professional will assist with the assessment, allocation, and monitoring of your investment plan. We will also keep you informed as to your progress through personal consultations and optional comprehensive performance reports. As your needs and objectives change, we will be there to ensure that your investment plan continues to be appropriate with regard to your goals.

Q: What types of Retirement Plans are offered?

A: Early McClintic & McMillan offers a comprehensive line of retirement plans for individuals and businesses, such as traditional and Roth IRA's, SEP and SIMPLE IRA's, 403(b)'s, Pension and Profit Sharing Plans and 401(k) Plans as well as custom plans. Based upon our widespread experience and expertise in working with a most types of retirement plans, and with the benefit of the support of Raymond James' Retirement professionals, we can help you select a suitable retirement plan for your personal or business situation. 

Q: Do you offer Educational Funding Plans?

A: Yes, we can help you to select the most appropriate educational funding mechanism for your child, grandchild, niece or nephew. We offer all of the traditional tools in educational planning, Uniform Gift to Minors Accounts (UTMA's as well as UGMA's), Educational IRA's and 529 Plans. We can also help you set-up and manage an account for an educational trust.

Q: Do you offer trust services?

A: Yes, our full-service trust company (Raymond James Trust Company) offers a complete range of personal trust services, including custody and safekeeping services; account management for wills and living trusts; concierge trust services for lifestyle management and life care assistance; irrevocable life insurance trusts; estate settlement services; and specialized trust services on case-by-case basis. 

Q: Will I have internet access to my RJFS account?

A: Yes, online investor access is available to any client with a Raymond James brokerage account. 

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