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Cash Management

With a record amount of cash or cash equivalents on balance sheets, many institutions are finding it more and more difficult to find solutions that offer Safety, Liquidity and Yield for their cash that are also easy to track and administer.

Through bank deposit programs, FFEC can help increase the efficiency of a cash portfolio while not sacrificing safety.   


·         Municipalities and School Districts

·         Public and Private Endowments or Foundations

·         Non-Profit Organizations

·         Public and Private Corporations

·         Litigation and Escrow Trusts

The problem:

·         How do you increase returns and retain safety within the “full faith and credit” sector?

FFEC Solution:

·         Bank Deposit programs- Spreads an institution’s cash funds into carefully screened FDIC insured banks with no more than $250,000 at any one bank to ensure FDIC insurance on the entire balance of funds.


  • Funds allocated to participating banks under the FDIC limit
  • Funds sent directly to custodian bank
  • Client excludes banks which they hold deposits to avoid redundancy


·         Demand deposit programs – overnight to weekly

·         CD based – specified terms


·         Competitive yields as compared to

o   Money Market Bank Accounts

o   Money Market Mutual Funds

o   U.S. Treasuries

o   Commercial Paper

In an increasingly difficult yield and regulatory environment, now is the time to review your cash allocation to make sure you are managing it efficiently. 



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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Disciplined Advisors Group operates under First Financial Equity Corporation (FFEC). Securities and Registered Investment Advisory Services offered through First Financial Equity Corporation. Member FINRA/SIPC. You may obtain additional information from FFEC by going to website Should you have any questions you may directly contact your investment representative at 480-951-0079, Fax to 480-998-2883 or call our toll free number at 888-951-1010. An official copy of statements can be obtained by contacting the custodian of assets directly.