Cash Management

You have cash assets. Now it's time to make them work harder for you.

Never underestimate the power of cold, hard cash — even in this "cashless" society. Cash assets are often overlooked in this industry, but with strategic management, you can potentially unlock better returns while helping keep your principal protected.

So how do we do it? We use resources to build you a potentially higher-yielding alternative to most traditional banking relationships. What does that mean in plain English? If you hold over $250,000 in a single account, you could exceed FDIC insurance limits — leaving part of your cash unprotected. Our brokered CD ladders help solve that: your funds are spread across multiple institutions for additional FDIC coverage, giving potential greater liquidity and potential higher yields than a standard bank account.

The result: your cash keeps working for you.

1. Information presented herein is accurate as of 09/16/26. Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual.  Advisory services are only offered to clients or prospective clients where Duncan Williams and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Duncan Williams unless a client service agreement is in place.

2. FDIC insurance – You are responsible for monitoring the total amount of deposits that you hold with one issuer to determine the extent of deposit insurance coverage available to you on your deposits.

Cash Management

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Frequently asked questions.

What’s cash management?

If you or your business has excess cash on hand, you should put it to work. Our cash management strategy invests in highly liquid, short-term CDs that earn you some interest until you need to use your cash. Plus, we make sure that you retain FDIC insurance through our brokered CD ladders.

Why is cash management important?

Cash management puts your money to work, even if it’s only for a short time. If you have over $250,000, our brokered CD ladders ensure your money is FDIC insured, where a savings account only insures the first $250,000.

What’s FDIC insurance?

FDIC (Federal Deposit Insurance Corporation) insurance is government-backed and applies to deposits of up to $250,000.

Who is cash management for?

Cash management is perfect for nonprofits and other businesses with a lot of excess cash on hand. Cash management keeps your money safe until you need to use it.

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