Wealth Managers

Broker-dealers | Trust departments | Insurance companies | Clearing firms | Registered investment advisors (RIAs) | Wealth-tech

We provide:

  • Cash sweep programs offering access to expanded FDIC insurance
  • A liquid alternative to money market funds
  • A turnkey securities-based lending solution for your clients

Demand Deposit Marketplace Program® (DDM®)

A flexible cash management solution providing access to expanded levels of FDIC insurance to your wealth management clients.

  • Safety: Access to millions in FDIC insurance.

  • Liquidity: Same day liquidity, without the risk of liquidity gates or redemption fees.

  • Attract Customers: Deepen relationships with your existing trust customers and attract new ones such as Fiduciary, Managed, Non-Managed, Personal Trust, Defined Contribution, Defined Benefit, Foundation and Endowment, Custody & Safekeeping.

  • Simple to Manage: Fully integrated with most core processors and trust accounting systems, with online access to view daily balances of customer deposits.

  • Security: Designed to help you meet your customers' privacy and data security needs.

R&T Insured Deposits (RTID®)

A cash sweep program for broker-dealers and independent trust companies that provides your customers with access to millions in FDIC insurance across our extensive network of participating banks.

  • Flexible FDIC Insurance Levels: With R&T’s proprietary technology and large network of deposit-taking banks, you can customize the amount of expanded FDIC insurance your customers will receive on their funds.

  • Simple to Manage: R&T is your single point of contact. You’ll always know who to call whenever you have a question or want to check the status of any account.

  • Available for Many Account Types: The RTID program can accommodate a wide array of account types – including corporate, international and retirement accounts.

  • Rate/Yields: Rates are competitive with other sweep options.*

  • Seamless Integration: From set-up and implementation to daily communications and account reconciliation, our experienced team provides full integration support.

*We provide recordkeeping and/or administrative services with respect to cash sweep and placement programs that we administer (e.g., the DDM and RTID programs). While customer rates obtained on funds placed into those programs may, under certain circumstances, outperform cash alternatives, such as money market funds, the primary objective of our services is to provide customers with convenient access to expanded FDIC and/or NCUSIF insurance coverage on their funds (and not for investment enhancements, or higher rates of returns or profits).

Loan Management System (LMS)

A securities-based lending solution to help your customers finance a range of short-term liabilities.

  • Automated: Initiate SBLOCs in minutes with a turnkey, end-to-end solution that automates the entire origination, underwriting, and collateral monitoring process.

  • Flexible: The modular design supports your unique business needs and integrates seamlessly with internal and external systems.

  • Competitive Edge: A comprehensive offering to help you attract and retain experienced advisors.

  • Support: In-field sales professionals, wholesale product training, and a robust network of third-party lenders to support your business.

  • Security: Designed to help you meet your customers' privacy and data security needs.

  • Scalable Advisor Recruiting: Automated transition of existing pledged accounts to simplify the recruiting process and seamlessly onboard advisors and their customers.

As our trust business has grown, so has the diversity of our client base and their investment needs. By partnering with R&T we have the flexibility to design customized solutions to meet the unique cash sweep needs of our family office, trust, custody and corporate trust clients via a higher-yielding, access to expanded FDIC-insured vehicle. We also value R&T’s ability to seamlessly incorporate a direct bank relationship into the program as one of the deposit-taking banks.

Vice Chairman
Florida-Based Trust Company

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