Who are Raymond James Financial's competitors, and what are the alternatives?
Raymond James' fiscal 2025 10-K says it competes 'with many other financial services firms, including a number of larger securities firms', with web-based and discount brokers and with fintechs, 'principally on the basis of the quality of our associates, services, technology platform'. Its January 2026 proxy names the firms it competes with for talent and shareholder capital: Ameriprise, BNY, Schwab, Franklin Resources, Invesco, Jefferies, LPL, Northern Trust, State Street, Stifel and T. Rowe Price. In wealth management, the core of the business with 8,943 affiliated advisors and $1.67 trillion of client assets at September 30, 2025, the rivals are Morgan Stanley ($7.35 trillion of wealth client assets), UBS, Merrill, Stifel and the independent channel led by LPL, while private-equity-backed RIAs compete for its advisors. Schwab competes for RIAs through Advisor Services, as does Robinhood's TradePMR. In investment banking Stifel lists Raymond James in its own peer group alongside Jefferies, Piper Sandler and Evercore. The non-bank threat is AI itself: shares fell 8.75% on February 10, 2026 when Altruist launched an AI tax tool, and 3.5% on September 22, 2026 after Meta announced Muse. In banking, Raymond James Bank booked $38.4 billion of deposits in a single Florida office in June 2025, fifth in the state; its 10-K says the bank's liabilities are mainly client cash swept from brokerage accounts and its Enhanced Savings Program.[1][2][3][4][5][6][7][8][9]
Data as of Oct 20, 2026 · Raymond James profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown
What does Raymond James say about its competition?
"The financial services industry is intensely competitive. We compete with many other financial services firms, including a number of larger securities firms, most of which are affiliated with major financial services companies, insurance companies, banking institutions, and other organizations. We also compete with companies that offer web-based financial services and discount brokerage services to individual clients, usually with lower levels of service and financial technology companies ("fintechs"). We compete principally on the basis of the quality of our associates, services, technology platform, product selection, performance records, location, and reputation in local markets."[1]
"Our ability to compete effectively is substantially dependent on our continuing ability to develop or attract, retain, and motivate qualified financial advisors, investment bankers, trading professionals, portfolio managers, and other revenue-producing or specialized personnel. Furthermore, the labor market continues to experience elevated levels of competition for talent across all areas of our business, as well as increased competition with non-traditional competitors, such as technology companies."[1]
From the risk factors of the same 10-K: "We compete directly with other national full service broker-dealers, investment banking firms, commercial banks, investment advisors, investment managers and, to a lesser extent, discount brokers and dealers. We face competition from more recent entrants into the market, including fintechs, and increased use of alternative sales channels by other firms. Technology has lowered barriers to entry and made it possible for fintechs to compete with larger financial institutions in providing electronic, internet-based, and mobile phone-based financial solutions." And: "Competition from other financial services firms to attract clients or trading volume, through direct-to-investor online financial services, or higher deposit rates to attract client cash balances, could result in pricing pressure or otherwise adversely impact our business."[1]
On advisors leaving for independence: "Our PCG business is subject to risks arising from the continued industry-wide trend in which financial advisors are departing traditional firms, including to form independent RIAs or to join existing third-party RIAs, some of which are backed by private equity investors. This ongoing trend has resulted in a highly competitive recruiting environment." (Form 10-K for the fiscal year ended September 30, 2025, filed November 25, 2025.)[1]
From the January 2026 proxy statement: "The rTSR peer group consists of companies with which Raymond James competes for talent and shareholder capital ... The peer group for the 2025 PRSU awards consists of the following companies: Ameriprise Financial Inc., Bank of New York Mellon, Charles Schwab Corp., Franklin Resources Inc., Invesco Ltd., Jefferies Financial Group Inc., LPL Financial Holdings Inc., Northern Trust Corporation, State Street Corporation, Stifel Financial Corp. and T. Rowe Price Group Inc."[2]
Who competes with Raymond James in each of its businesses?
| Business line | Competitor | Type | Why it competes |
|---|---|---|---|
| Wealth management: advisors and their clients | Morgan Stanley | Bank | The largest advisor-led wealth manager on this site, with $7.35 trillion of wealth client assets (June 2026); its 10-K says it competes with broker-dealers, private banks, registered investment advisers and digital investing platforms across advisor-led, workplace and digital channels.[3][10][11] |
| Wealth management: advisors and their clients | Stifel Financial | Bank | In Raymond James' proxy peer group, and Stifel's own 10-K lists Raymond James among 'companies that serve the same markets as us and which compete with us in one or more markets'; Stifel held $580.1 billion of client assets in June 2026.[2][6][12] |
| Wealth management: advisors and their clients | UBS (US wealth management) | Bank | A national full-service broker-dealer of the kind Raymond James' 10-K names as a direct competitor; UBS says nearly 90% of its US financial-advisor teams use its flagship AI platform (April 2026).[1][13] |
| Wealth management: advisors and their clients | Merrill (Bank of America) | Bank | A wirehouse affiliated with a major bank, the kind of 'larger securities firm' affiliated with banking institutions that Raymond James' 10-K names as competition; Bank of America serves clients through Erica across its apps.[1][14] |
| Wealth management: advisors and their clients | LPL Financial | Broker or asset manager | In Raymond James' proxy peer group and the largest name in the independent-advisor channel where Raymond James also recruits; it fell 8.31% with Raymond James on February 10, 2026, and American Banker reported in August 2026 that it was reviewing its reliance on cash sweeps amid the AI threat.[2][7][15] |
| Wealth management: advisors and their clients | Ameriprise Financial | Broker or asset manager | Named first in the proxy peer group of firms Raymond James competes with for talent and shareholder capital, and also in Stifel's peer group of competitors.[2][6] |
| Wealth management: advisors and their clients | Altruist | Fintech | The AI-native custodian whose Hazel tax-planning tool, which 'helps advisors create fully personalized tax strategies for clients', set off the February 10, 2026 selloff in which Raymond James fell 8.75%; Raymond James' 10-K names fintechs as competitors.[7][1] |
| Custody and services for independent RIAs | Charles Schwab | Bank | Schwab's 10-K says its Advisor Services segment competes with 'institutional custodians, wirehouses, regional and independent broker-dealers, fintech custodians, banks, and trust companies' and that it is one of the largest providers of custody to RIAs; Raymond James serves RIAs through its RIA and Custody Services division.[4][1] |
| Custody and services for independent RIAs | Robinhood (TradePMR) | Fintech | In June 2026 Robinhood and its RIA custodian TradePMR launched the Robinhood Advisor Network to connect customers with RIAs and gave TradePMR advisors exclusive access to Robinhood Cortex AI tools.[5] |
| Custody and services for independent RIAs | BNY | Bank | Named in Raymond James' proxy peer group of companies it competes with for talent and shareholder capital.[2] |
| Investment banking and capital markets | Stifel (Institutional Group) | Bank | Stifel's 10-K peer group of competitors pairs Raymond James with the advisory and middle-market banks Jefferies, Piper Sandler, Evercore, Lazard, Houlihan Lokey and Moelis; Stifel's institutional pre-tax margin rose to 19.5% in the first half of 2026.[6][16] |
| Investment banking and capital markets | Jefferies Financial Group | Broker or asset manager | Named in both Raymond James' proxy peer group and Stifel's peer group of competing firms; Raymond James' Capital Markets segment, with $1.77 billion of fiscal 2025 net revenue, runs investment banking, institutional sales, trading and research.[2][6][1] |
| Investment banking and capital markets | Goldman Sachs and Morgan Stanley | Bank | Morgan Stanley's 10-K says it competes with global investment banks and that generative AI and electronic trading pressure institutional revenues; Raymond James' 10-K says it competes with investment banking firms and that consolidation has 'significantly increased the capital base and geographic reach of our competitors'.[11][1] |
| Client cash, deposits and securities-based lending | Charles Schwab (Schwab Bank) | Bank | Schwab Bank held $225.2 billion of deposits at June 30, 2026 and Schwab's bank loans grew 33% to $67.0 billion; Raymond James' 10-K warns that 'higher deposit rates to attract client cash balances' from competitors could pressure its business.[17][18][1] |
| Client cash, deposits and securities-based lending | Morgan Stanley (bank subsidiaries) | Bank | Morgan Stanley Bank and Morgan Stanley Private Bank held $278.9 billion and $211.7 billion of deposits at June 30, 2026, each from a single office, the same brokerage-sweep model as Raymond James Bank ($41.4 billion).[17] |
| Client cash, deposits and securities-based lending | AI cash-optimisation tools | Other | CEO Paul Shoukry called AI-driven cash optimisation an 'incremental threat' to sweep revenue, while LPL reviewed its reliance on cash sweeps amid the AI threat (American Banker, August 2026); Raymond James earns fees from third-party banks on deposits swept through its RJBDP program.[15][1] |
| Home region: Florida | Bank of America and Truist | Bank | Raymond James Bank booked $38.4 billion of deposits in its single St. Petersburg office in June 2025, 5th in Florida; Bank of America ($170.8 billion, 425 offices) and Truist ($73.7 billion, 441 offices) lead the state's branch banking.[9] |
| Home region: Florida | EverBank | Bank | The next Florida bank by deposits, 6th with $32.6 billion in 11 offices in June 2025, and like Raymond James Bank a bank whose Florida-booked deposits come largely from outside a branch network.[9][19] |
How do the AI and digital offerings of Raymond James's competitors compare?
Raymond James first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.
| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
|---|---|---|---|
| Raymond James Financial (this page) | Rai, AI Search and the advisor desktop[20][21][22] | Index 84.5 (#12); 16 use cases, 14 in production | Meta's Muse reignites the AI selloff (Sep 22, 2026)[8] |
| Morgan Stanley | AI @ Morgan Stanley Assistant used by 98% of advisor teams; Debrief and AskResearchGPT[23][24] | Index 69.7 (#34); 14 use cases, 9 in production | OpenAI launches ChatGPT for Financial Services, shaped with Morgan Stanley and Evercore (Sep 10, 2026)[25][26] |
| Stifel Financial | Advisor-first AI stance; ranked first in J.D. Power's 2026 employee-adviser satisfaction study[27] | Index 6.5 (#104); 13 use cases, 12 in production | CEO on CNBC: look at companies benefiting from AI, not just those building it (Oct 7, 2026)[28] |
| UBS (US wealth management) | STAAT Insights (over 20 million insights to US advisors in 2025) and Microsoft Copilot[29][30] | Index 75.3 (#31); 14 use cases, 10 in production | Ermotti at the Bank of America conference (Sep 22, 2026)[31] |
| Merrill (Bank of America) | Erica virtual assistant: more than 24.6 million clients helped[14] | Index 97.3 (#1); 18 use cases, 16 in production | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026)[32][33][34] |
| LPL Financial | Not disclosed | No profile | Not disclosed |
| Ameriprise Financial | Not disclosed | No profile | Not disclosed |
| Altruist | Hazel AI platform, including AI tax planning from client documents[7] | No profile | Not disclosed |
| Charles Schwab | Schwab Advisor AI in Action; 63% of RIAs using AI tools (January 2026 survey)[35] | Index 80.7 (#19); 19 use cases, 15 in production | How Charley was built: employee testing, confirmation before any change (Oct 8, 2026)[36] |
| Robinhood (TradePMR) | Cortex for Advisors on TradePMR[5] | 8 use cases, 3 in production | Robinhood Agents, weekend trading and perpetual futures unveiled at HOOD Summit (Sep 29, 2026)[37][38] |
| BNY | Eliza[39][40][41][42][43][44] | Index 89.8 (#5); 14 use cases, 12 in production | Q3 call: '400-plus' AI solutions in production; AI spend not broken out (Oct 15, 2026)[39] |
| Stifel (Institutional Group) | Stifel's advisor-first AI stance and fund-banking-driven balance sheet[12][45][46][47][6] | Index 6.5 (#104); 13 use cases, 12 in production | CEO on CNBC: look at companies benefiting from AI, not just those building it (Oct 7, 2026)[28] |
| Jefferies Financial Group | Not disclosed | No profile | Not disclosed |
| Goldman Sachs and Morgan Stanley | GS AI Platform and GS AI Assistant for all 46,000 employees[48] | Index 79.9 (#22); 13 use cases, 7 in production | Q3 2026 call: Solomon sets out AI guardrails and compute-supply risk (Oct 13, 2026)[49][50] |
| Charles Schwab (Schwab Bank) | Charley, Portfolio Insights, Schwab Knowledge Assistant and Schwab Advisor AI in Action[51][52][53][35][54] | Index 80.7 (#19); 19 use cases, 15 in production | How Charley was built: employee testing, confirmation before any change (Oct 8, 2026)[36] |
| Morgan Stanley (bank subsidiaries) | AI @ Morgan Stanley (Assistant, Debrief) and AskResearchGPT[23][24][55] | Index 69.7 (#34); 14 use cases, 9 in production | OpenAI launches ChatGPT for Financial Services, shaped with Morgan Stanley and Evercore (Sep 10, 2026)[25][26] |
| AI cash-optimisation tools | Not disclosed | No profile | Not disclosed |
| Bank of America and Truist | Erica (and EricaAssist)[56][57][58] | Index 97.3 (#1); 18 use cases, 16 in production | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026)[32][33][34] |
| EverBank | Not disclosed | Index 3.3 (#109); 5 use cases, 0 in production | Federal Register notice of the Federal Reserve application (Oct 13, 2026)[59] |
Who should look beyond Raymond James, and where?
| If you are | Look at | Why |
|---|---|---|
| Investors who want a client-facing AI assistant | Robinhood (Cortex) or Bank of America (Erica) | Raymond James' AI tools serve its advisors, not clients directly. Robinhood says nearly 1 million customers had used Cortex Digests by April 2026, and Bank of America says Erica has helped more than 24.6 million clients.[60][61][14] |
| Self-directed investors who do not want an advisor | Charles Schwab | Raymond James' 10-K says it competes with web-based and discount brokers 'usually with lower levels of service'; its model is advisor-led. Schwab reported a record 11.9 million daily average trades in Q2 2026.[1][18] |
| Advisors who want to run an independent RIA on a fintech custodian | Schwab Advisor Services or Robinhood's TradePMR | Raymond James offers RIA and custody services, but its 10-K notes advisors leaving traditional firms for independent RIAs. Schwab is one of the largest custodians for RIAs, and TradePMR now offers RIAs Robinhood Cortex tools and a client referral network.[1][4][5] |
| Customers who want a branch bank with checking in Florida | Bank of America or Truist | Raymond James Bank operates from one office and serves brokerage clients; FDIC data show Bank of America with 425 Florida offices and Truist with 441 in June 2025.[9][17] |
| Clients who want the widest advisor-AI rollout | Morgan Stanley | Raymond James' Raimond pilot covered 600 advisors in May 2026; Morgan Stanley says 98% of its advisor teams use its AI Assistant and that 3,400 stock-plan clients will get agent access by 2027.[60][23][10] |
How large is Raymond James' banking arm next to its wealth rivals' banks?
FDIC BankFind records, June 30, 2026. These banks hold mostly brokerage client cash and run from one or two offices.
| Bank (charter) | Parent | Deposits | Total assets | Offices |
|---|---|---|---|---|
| Morgan Stanley Bank, N.A. | Morgan Stanley | $278.9 billion | $419.3 billion | 1[17] |
| Charles Schwab Bank, SSB | Schwab | $225.2 billion | $250.8 billion | 1[17] |
| Morgan Stanley Private Bank, N.A. | Morgan Stanley | $211.7 billion | $250.4 billion | 1[17] |
| UBS Bank USA | UBS | $109.3 billion | $124.4 billion | 1[17] |
| Raymond James Bank | Raymond James | $41.4 billion | $45.6 billion | 1[17] |
| TriState Capital Bank | Raymond James | $22.3 billion | $24.3 billion | 2[17] |
| Stifel Bank and Trust | Stifel | $17.5 billion | $19.6 billion | 2[17] |
| Stifel Bank | Stifel | $13.7 billion | $14.6 billion | 1[17] |
Which firms does Raymond James name as competitors, and which name it?
Raymond James' 2026 proxy peer group (firms it competes with for talent and shareholder capital) beside Stifel's 10-K peer group (firms that compete with it in one or more markets).
| Firm | In Raymond James' proxy peer group | In Stifel's 10-K peer group | Our page |
|---|---|---|---|
| Raymond James | n/a | Yes | This page[6] |
| Stifel | Yes | n/a | Stifel AI profile[2] |
| LPL Financial | Yes | Yes | None[2][6] |
| Ameriprise Financial | Yes | Yes | None[2][6] |
| Jefferies | Yes | Yes | None[2][6] |
| Northern Trust | Yes | Yes | Northern Trust AI profile[2][6] |
| Charles Schwab | Yes | No | Schwab AI profile[2][6] |
| Franklin Resources, Invesco, T. Rowe Price | Yes | Yes | None[2][6] |
| BNY, State Street | Yes | No | BNY and State Street AI profiles[2][6] |
Who are Raymond James' biggest competitors?
In wealth management, Morgan Stanley, UBS, Merrill, Stifel and LPL, plus independent RIAs that recruit its advisors. Its proxy names Ameriprise, BNY, Schwab, Franklin Resources, Invesco, Jefferies, LPL, Northern Trust, State Street, Stifel and T. Rowe Price as firms it competes with for talent and capital. In investment banking, Stifel and Jefferies.[1][2][6]
Is Schwab a competitor of Raymond James?
Yes, in two ways. Schwab is in Raymond James' proxy peer group, and Schwab's 10-K says its Advisor Services business competes with regional and independent broker-dealers for RIAs, a market Raymond James serves through RIA and Custody Services. Schwab also serves self-directed investors, a lower-service model Raymond James' 10-K describes.[2][4][1]
Is Robinhood a competitor of Raymond James?
Increasingly, for advisors and their clients. In June 2026 Robinhood and TradePMR launched an advisor network to connect Robinhood customers with RIAs and gave TradePMR advisors Cortex AI tools. Raymond James' 10-K names fintechs and web-based brokers among its competitors; neither firm names the other.[5][1]
Raymond James vs Morgan Stanley for wealth management?
Morgan Stanley is much larger, with $7.35 trillion of wealth client assets against Raymond James' $1.86 trillion in its Private Client Group (June 2026). Raymond James offers employee, independent-contractor and RIA affiliation through AdvisorChoice; Morgan Stanley reports 98% of advisor teams using its AI Assistant.[10][62][1][23]
What are alternatives to Raymond James for independent advisors?
LPL Financial and Ameriprise, both in Raymond James' proxy peer group, and RIA custodians such as Schwab Advisor Services and Robinhood's TradePMR. Raymond James' 10-K says advisors are leaving traditional firms for independent RIAs, some backed by private equity, creating 'a highly competitive recruiting environment'.[2][4][5][1]
Is AI a competitor to Raymond James?
Investors treat it as one. Raymond James fell 8.75% on February 10, 2026 after Altruist launched an AI tax-planning tool, and 3.5% on September 22, 2026 after Meta announced Muse. Its 10-K says technologies such as AI could disrupt services that require no intermediation, and its CEO calls AI cash optimisation an 'incremental threat'.[7][8][1][15]
Who competes with Raymond James in investment banking?
Stifel's 10-K peer group pairs Raymond James with Jefferies, Piper Sandler, Evercore, Lazard, Houlihan Lokey and Moelis, and Jefferies is also in Raymond James' proxy peer group. Raymond James' Capital Markets segment, with $1.77 billion of fiscal 2025 net revenue, runs investment banking, institutional sales, trading and equity research.[6][2][1]
- Raymond James Financial Annual Report on Form 10-K for the fiscal year ended September 30, 2025
- Raymond James Financial 2026 Proxy Statement (DEF 14A)
- 2025 Annual Report (Form 10-K)
- Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- Robinhood and TradePMR Unveil the Future of Wealth Management at SYNERGY26
- Stifel Financial Corp. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- The AI threat wrecked software stocks. Now financial stocks look next with LPL closing 8% lower
- Meta's Muse reignites AI disruption fears. Traders are targeting this brokerage stock as next casualty
- Summary of Deposits, Florida branch offices, June 30, 2025 (BankFind Suite API)
- Morgan Stanley will soon open its trillion-dollar wealth management funnel to AI agents
- Morgan Stanley Annual Report on Form 10-K for 2025
- Stifel Reports Second Quarter 2026 Results
- UBS first-quarter 2026 earnings call prepared remarks and Q&A (Form 6-K)
- Bank of America Fast Facts (undated page, retrieved 2026-10-19)
- Amid AI threat, LPL reviews reliance on 'cash sweeps'
- Stifel Financial Corp. Q2 2026 Earnings Call Summary
- BankFind institution records: Raymond James Bank, TriState Capital Bank, Charles Schwab Bank, Morgan Stanley Bank, Morgan Stanley Private Bank, Stifel Bank, Stifel Bank and Trust, UBS Bank USA (June 30, 2026)
- Schwab Reports Record Quarterly Revenue and Earnings
- WaFd, Inc. Form 8-K, Exhibit 99.2: investor presentation on the EverBank merger
- Raymond James launches proprietary digital AI agent to bolster operational excellence
- Raymond James Hires David Solganik as Head of AI Strategy
- Raymond James expands service-focused technology investment with Zoom AI Companion meeting summaries
- Launch of AI @ Morgan Stanley Debrief
- Morgan Stanley Research Announces AskResearchGPT
- Introducing ChatGPT for Financial Services
- OpenAI courts Wall Street with ChatGPT for financial services, developed with Morgan Stanley
- AI Adoption Accelerates, Driving Financial Advisor Loyalty, JD Power Finds
- Stifel CEO Ron Kruszewski: We should be looking at companies benefiting from AI, not just those building AI
- UBS Group AG Annual Report 2025 on Form 20-F
- Behind UBS' AI strategy to win wallet share, client leads
- UBS at Bank of America financials conference: growth meets capital pressure (transcript)
- U.S. Treasury Announces Record Enforcement Actions Against Bank of America
- OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance
- BofA fined $1.21 billion over AML
- Schwab Study Reveals RIA AI Adoption More Than Doubles - But Most Firms Still in Early Stages
- Charles Schwab's Amy Ruegg: AI Can Make Investing Easier, but Human Expertise Remains Key
- Robinhood Puts the Power of Hedge Funds in Every Trader's Pocket
- Robinhood rolls out OpenAI and Anthropic trading agents to millions of users
- While embedding AI 'everywhere,' BNY won't disclose costs
- Quarterly Update Presentation, 1Q 2026
- Unlocking Value with BNY's Enterprise AI Platform
- BNY, America's Oldest Bank, Signs Multiyear Deal With OpenAI
- BNY looks to Google Cloud for agentic AI push
- BNY moves quickly to adopt AI solutions, platforms
- Stifel's earnings expose Wall Street's AI blind spot
- Artificial Intelligence: Runway for Growth (Outlook 2026)
- Stifel Financial Corp (SF) Q2 2026 Earnings Call Highlights: Record Revenue and Strong ...
- Goldman Sachs staff now write a million gen AI prompts a month
- Earnings call transcript: Goldman Sachs tops Q3 2026 estimates as revenue rises
- Goldman's Solomon wants 'clear human accountability' on AI
- Meet Charley, Schwab's New AI-Powered Assistant Designed to Help Clients Get Answers and Take Action
- Charles Schwab Launches AI-Powered Capability That Helps Investors Understand Portfolio Performance and Market Activity
- AI on the other end of the line (but you're not talking to a computer)
- Charles Schwab banking unit CEO to retire
- Morgan Stanley Wins Three 2024 Technology Awards
- A Decade of AI Innovation: BofA's Virtual Assistant Erica Surpasses 3 Billion Client Interactions
- Bank of America Enhances EricaAssist with Generative AI
- How Bank of America's Erica does the work of 11,000 people
- Formations of, Acquisitions by, and Mergers of Bank Holding Companies (WaFd, Inc. and EverBank Financial Corp), 91 FR 64930
- Raymond James Announces Client 360 Platform, AI Advisor Academy
- Robinhood Reports First Quarter 2026 Results (Form 8-K, Exhibit 99.1)
- Raymond James on track to top advisor recruiting record, CEO says
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