With more than 22 years of experience, I understand the importance of listening to clients to better aid them in clarifying their needs and goals. By asking vital questions I am able to provide clients with a personalized asset allocation based upon each individual's risk tolerance and the recommendations of our investment policy committee.

We couple some of the finest fundamental investment research in the industry with technical analysis to tailor investment strategies for each client. By familiarizing clients with time-honored strategies like dollar-cost-averaging and account structures like PASSPORT and MIP that provide valuable performance reporting, I guide clients through the maze of investing.

Raymond James Financial Services, Inc., is built around clients and their needs for financial and estate planning. Unique client-oriented materials like the Client Bill of Rights and Internet account access aid individuals and small businesses in meeting their financial goals.

My Experience:

• Discretionary money manager since 1995
• Bachelor's degree in pharmacy from University of Tennessee College of Pharmacy 1982
• Bachelor's degree dual major in physics and chemistry from University of Memphis 1980
• Graduated from Memphis University School with distinction in science 1974
• Currently enrolled in CERTIFIED FINANCIAL PLANNER ^TM professional course at Christian Brothers University

I have over 6 years’ experience working with clients to identify, plan for and realize their financial goals. Our team of financial professionals employs a 4-step process to truly get to know our clients, and identify goals and needs. We seek to understand our clients’ needs, design a strategic plan to meet those needs, implement the plan and then continually monitor the plan to stay on track. Through this discipline, we are better able to maintain focus, for us and the client, on the stated goals, while avoiding distractions and fads.

Raymond James Financial Services, Inc., is built around clients and their needs for financial and estate planning. Unique client-oriented materials like the Client Bill of Rights and Internet account access aid individuals and small businesses in meeting their financial goals. Other resources available through Wealth Solutions and Raymond James include investment research and technical analysis. Additionally, we offer monthly educational seminars to increase our clients’ awareness of timely and important topics.

My experience

• Over 6 years in financial services, with emphasis on retirement plans (for individuals and companies) and educational funding
• National Merit Scholar, University of the South, Sewanee, TN
• Graduated Summa Cum Laude, Memphis University School, 1973
• Currently enrolled to become Certified in Long-Term Care (CLTC)

Debbie has 29 years of experience in the insurance industry with a background in individual life, self-funded group health plans and 401(k) plans.

She attended the University of Arkansas, Fayetteville and Louisiana State University in Baton Rouge.

Debbie lives in Germantown with her husband, Ralph. They have two daughters and one granddaughter and one grandson.

Members of
Investment Management Consultants Association - IMCA
Small Business Chamber - SBC
National Federation of Independent Business – NFIB