Raymond James Financial (NYSE:RJF) Q4 2025 Earnings Call October 22, 2025 05:00 PM ET Company Participants Thank you, Kristie. Good evening. Thank you all for joining us. I'm very pleased to report record results for both the fiscal Q4 and fiscal year 2025 this evening. While the financial results are critically important, it's more than just numbers to us. It's the deep personal relationships our advisors, bankers, and associates have with their clients, which is the foundation to providing tailored financ ...

Hinton Lectures promotional poster (CNW Group/Manulife Financial Corporation) Accessibility StatementSkip Navigation This partnership will advance public understanding of AI safety, led by Nobel Laureate Geoffrey Hinton and supported by Manulife's commitment to Responsible AI C$ unless otherwise stated                                       TSX/NYSE/PSE: MFC   SEHK: 945 TORONTO, Oct. 22, 2025 /PRNewswire/ - Manulife is proud to announce its role as presenting sponsor ...

Core Insights - There is a distinction between being rich and feeling rich, which many Americans may not recognize [1] Financial Advisor Insights - A household income of $573,000 is significantly above the U.S. median income of $83,730 in 2024, indicating financial success [2] - If individuals are struggling financially despite high income, it may be due to ineffective financial advice or high fees from their advisors [3] - Not all financial advisors are equal, and it is crucial to trust the advisor managing one's finances [4] Fiduciary Responsibility - Advisors who are fiduciaries have a legal obligation to act in the best interest of their clients, which is not the case for all financial professionals [6] - Many financial advisors may not hold fiduciary status, and only certain professionals, like Certified Financial Planners (CFPs), are required to adhere to this standard [7] Finding Financial Advisors - FinancialAdvisor.net offers a service to connect individuals with vetted financial advisors, allowing users to find suitable advisors based on their financial goals [5]

Core Insights - Tavistock has agreed to acquire a 76.59% stake in UK-based financial advisory firm Lifetime for approximately £5.95 million [1] - Lifetime is recognized for its hybrid model of services, which encompasses financial advice, mortgages, investments, pensions, estate planning, savings, and protection [1] - The deal is subject to approval from the Financial Conduct Authority (FCA) [2] Company Overview - Lifetime offers financial wellbeing solutions, including tools like the Lifetime Hub and app, educational workshops, webinars, and personalized coaching [2] - The company integrates technology and artificial intelligence to enhance its services while ensuring the involvement of qualified professionals [2] Strategic Goals - Lifetime aims to close the advice gap and make financial wellbeing accessible to all, with support from Tavistock's resources and national presence [3] - The acquisition is expected to provide Lifetime with more resources, connections, and investment to expand and enhance its offerings [3] Recent Developments - In November 2024, Tavistock acquired Alpha Beta Partners, an asset management firm, to enhance its investment solutions for clients [4] - Alpha Beta Partners, established in 2017, provides outsourced investment solutions to advisory businesses and networks [4]

Core Insights - Truist is focusing on enhancing its physical bank branches to attract affluent clients by opening 100 new branches and renovating 300 existing ones in key cities [2][3] - The bank aims to create a digitally empowering and relational experience for clients, leveraging AI-driven insights and personalized financial planning for Premier Banking clients [3][4] - Truist has expanded its premier banking team by 50% and plans a further 20% increase in the coming years to target potential customers with investable assets over $100,000 [3][4] Industry Context - Other banks, such as Bank of America, are also investing in physical locations, with plans to open 150 new financial centers by the end of 2027 [5] - Both Truist and Bank of America acknowledge that while digital banking offers convenience, physical locations provide essential spaces for discussing loans and seeking financial advice [6] - The banking industry has historically built a model around physical branches, but newer companies like Chime and SoFi are attracting younger consumers by offering more accessible digital solutions [7][8]

Core Points - Manulife Financial Corporation's Board of Directors announced quarterly dividends for various non-cumulative preferred shares, payable on or after September 19, 2025, to shareholders of record as of August 20, 2025 [1] - The company operates globally under the Manulife brand in Canada, Asia, and Europe, and as John Hancock in the United States, providing financial advice and insurance services [1] - As of the end of 2024, Manulife had over 37,000 employees and served more than 36 million customers [1] Dividend Details - Class A Shares Series 2: $0.29063 per share [3] - Class A Shares Series 3: $0.28125 per share [3] - Class 1 Shares Series 3: $0.14675 per share [3] - Class 1 Shares Series 4: $0.255458 per share [3] - Class 1 Shares Series 9: $0.373625 per share [3] - Class 1 Shares Series 11: $0.384938 per share [3] - Class 1 Shares Series 13: $0.396875 per share [3] - Class 1 Shares Series 15: $0.360938 per share [3] - Class 1 Shares Series 17: $0.346375 per share [3] - Class 1 Shares Series 19: $0.323063 per share [3] - Class 1 Shares Series 25: $0.371375 per share [3]

Core Viewpoint - Manulife Financial Corporation is set to release its second quarter 2025 financial results on August 6, 2025, with a subsequent conference call scheduled for August 7, 2025, to discuss the results and engage with analysts [1][2]. Company Overview - Manulife Financial Corporation is a prominent international financial services provider headquartered in Toronto, Canada, operating under the name Manulife in Canada, Asia, and Europe, and as John Hancock in the United States [3]. - The company offers financial advice, insurance, and investment services to individuals, groups, and businesses, with a workforce of over 37,000 employees and more than 109,000 agents serving over 36 million customers globally [3]. - Manulife trades under the ticker 'MFC' on the Toronto, New York, and Philippine stock exchanges, and as '945' in Hong Kong [3].

Core Insights - Manulife has been ranked first in the life insurance sector for AI maturity in the inaugural Evident AI Index for Insurance, placing in the top five across the overall insurance industry [1][2][3] - The index evaluates AI maturity across 30 prominent insurance companies in North America and Europe, focusing on four key categories: Talent, Innovation, Leadership, and Transparency [2][3] Company Performance - Manulife's strong performance in the Leadership and Transparency categories reflects robust executive support and strategic investments in AI solutions [4][5] - The company has integrated AI deeply into its operations globally, aiming to deliver significant impacts through responsible AI deployments [4][5] Future Expectations - Manulife anticipates a threefold return on investment from its digital initiatives, including AI enhancements, over five years through 2027, with over $600 million in benefits expected in 2024 from digital customer leadership initiatives [5][10]

Core Insights - Manulife has released its 2024 Sustainability Report and Public Accountability Statement, highlighting its commitment to sustainability and long-term value creation for stakeholders [1][2] Group 1: Sustainability Initiatives - The firm aims to empower health and well-being, drive inclusive economic opportunities, and accelerate sustainability through its Impact Agenda [2] - Manulife's Chief Sustainability Officer emphasized the company's role in improving lives and communities, serving over 36 million customers globally [2] Group 2: Partnerships and Collaborations - Manulife announced a three-year partnership with Uplink to promote longevity innovation through Global Longevity Innovation challenges, with winners receiving $50,000 each [4] - A five-year collaboration with MIT AgeLab will focus on longevity-related research to enhance consumer preparedness [4] - The company partnered with the Centre for Addiction and Mental Health to fund mental health research for women, highlighting workplace health challenges [4] Group 3: Community Engagement and Education - The Smart$ense Financial Literacy for Kids Campaign was launched in the U.S., inspired by a successful program in the Philippines, winning an award for community investment [4] - A partnership with Mind HK aims to raise mental health awareness in Hong Kong through public events and expert discussions [4] Group 4: Responsible Innovation - Manulife released Responsible AI Principles to ensure ethical and transparent AI applications, aligning innovations with safety and sustainability standards [4] Group 5: Company Overview - Manulife Financial Corporation is a leading international financial services provider with over 37,000 employees and 109,000 agents, serving more than 36 million customers [5]

Core Viewpoint - Manulife Financial Corporation is set to release its first quarter 2025 financial results on May 7, 2025, after market close, with a subsequent conference call scheduled for May 8, 2025, to discuss the results [1][2]. Company Overview - Manulife Financial Corporation is a prominent international financial services provider headquartered in Toronto, Canada, operating under the name Manulife in Canada, Asia, and Europe, and as John Hancock in the United States [4]. - The company offers financial advice, insurance, and investment services to individuals, groups, and businesses, with a workforce of over 37,000 employees and more than 109,000 agents serving over 36 million customers [4]. - Manulife trades as 'MFC' on the Toronto, New York, and Philippine stock exchanges, and as '945' in Hong Kong [4]. Upcoming Events - A live webcast and conference call will take place on May 8, 2025, at 8:00 a.m. (ET), featuring discussions by Manulife's executive leadership team, followed by a Q&A session with analysts [2]. - The archived webcast will be accessible on the company's investor relations website after the call, with a replay available until June 7, 2025 [3].