Business Description
To create and implement financial strategies that build and maintain wealth. Profit from our team's experience. "Individual Solutions from Independent Advisors."
General Information Gender:    Male CRD#:    3113146 Firm CRD#:    6694 Name of Broker/Dealer:    Raymond James Financial Services, Inc. States Licensed in:    FL, AR, CT, GA, IL, IA,IN, MA, MI, MO, NJ, NY, NC, OH, OK, PA, SC, TX, VA, WI Years of Experience in Financial Services:    11 Number of Years with Current Firm:    8 I work with the following types of clients:    Individual Investors, Non-Profit Organizations, Businesses
Education Academic Background   BS, Finance - University of South Florida
Services Investment Types:    Alternative Investments, Options & Futures, Mutual Funds, Insurance, Annuities, Stocks, Exchange Traded Funds (ETFs), CD's, Bonds
Qualifications & Memberships Securities Licenses:    Series 65, Series 7, Series 63 Insurance and Annuity Licenses:    Variable Life, Long Term Care, Variable Annuity, Health, Life, Annuity Financial Organization Memberships:    Financial Services Institute (FSI) Non-Financial Organization Memberships:    Founding member, board member and treasurer of Florida Jump$tart - a non-profit coalition promoting financial literacy for students
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes
Compliance Registered Representative:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-based financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $250,000 Compensation Methods:    Commissions, Hourly, Flat Fee, Based on Assets Hourly Rate:    $150 Additional Details on Charges:    Fee varies based on assets under management, securities held and other factors.
Prepared By:	Thomas Kane

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	Do you offer any guaranteed results?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What carrier(s) do you represent?

Q.	What services do you provide? What are your specialties?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

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Q.	Do you have a customer satisfaction or refund policy?
Yes, Our Client "Bill of Rights."

Q.	What are your qualifications? What is your education background?
Bachelor of Science degree in Finance, University of South Florida

Q.	What is your approach to financial planning?
Comprehensive financial planning approach with solutions tailored to individual situation, goals and needs.

Q.	What services do you offer?
Cash management, investments, financial planning, risk management.

Q.	Will you be the only person working with me?
No, clients have the availability of all members of our group.

Q.	How are you compensated? How will I pay for your services?
Fee-based and/or Hourly rate

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Yes

Q.	Do you offer any guaranteed results?
No

Q.	How much risk should I be willing to take?
Only as much as you are comfortable with and understand. Risk tolerance varies widely and is a measure of the individual and their personal financial position.

Q.	Have you ever been charged with any breaches?
No

Q.	What carrier(s) do you represent?
All major carriers

Q.	What services do you provide? What are your specialties?
Comprehensive financial planning. Wealth accumulation, retirement planning and distribution.

Q.	What financial institution(s) do you represent?
We own and operate an independent Raymond James Financial Services branch office located in Clearwater, FL.

Q.	How do you charge for your services?
Fee-based and/or hourly rate

Q.	Do you provide a free initial consultation?
Yes

Q.	Why should I choose you as my financial advisor?
Trustworthy, Honest & Loyal. Along with my personal knowledge and experience, we utilize a true TEAM approach which is both helpful and beneficial to our clients.