Estate planning at Raymond James

Yes. Individual and joint brokerage accounts and the advisory program accounts (Freedom, Ambassador, Passport, Portfolio Select) can be retitled to a revocable living trust; the account number is typically retained and the title changes to the trust name. Contact your financial advisor to start the retitling -- it cannot be done online -- and provide a certified copy of the trust agreement or a Certificate of Trust, trustee IDs, and a W-9 for the trust (a revocable trust uses the grantor's SSN). Titling your own account to your own trust has no asset minimum; that is a different thing from hiring Raymond James Trust, N.A. as your corporate trustee, which does have one. IRAs and custodial UGMA/UTMA accounts cannot be retitled at all.

Yes, through Raymond James Trust, N.A. -- a federally chartered trust company established in 1992, with seven U.S. offices and more than 100 trust professionals. Under its federal charter it can act as trustee, co-trustee, custodian, agent to the trustee, or personal representative/executor, and in those roles it runs estate settlement: moving the estate through probate alongside the attorney and accountant, identifying, collecting, valuing, and managing assets, handling final taxes, keeping the records, and dealing with beneficiaries. The minimum account is $1 million of investable assets. Reach Raymond James Trust at 727-567-2300. If Raymond James Trust was not named in the will or trust, the settlement instead runs through the decedent's financial advisor, or client services at 800-647-7378 if the advisor is unknown.

A trusteed IRA puts a Raymond James corporate trustee inside the IRA itself rather than naming a separate trust as beneficiary. The account keeps its IRA tax treatment while the trustee controls who inherits, how much, and when distributions are released -- the control a see-through trust is usually used for, without a separate trust document sitting between the custodian and the heirs. The trustee also gets limited, pre-agreed authority to step in if you become incapacitated, which avoids a guardianship or conservatorship proceeding, and it facilitates required minimum distributions and runs the investment strategy stated in the agreement. It is still an IRA, so it cannot be retitled to a trust. Ask your advisor or Raymond James Trust at 727-567-2300.