Todd Carmel is a partner with Carmel-Quintero Financial Services, Inc. and has been affiliated with Raymond James Financial Services since 2012. Prior to joining Raymond James, Todd was a financial advisor with Smith Barney, and later Morgan Stanley, beginning in 2005. Before joining Smith Barney, Todd had been a financial advisor at McDonald & Company, where he began his career in the financial services industry in 1995. From 1980 to 1995, Todd was part-owner of two restaurants in the Cleveland area.

Todd is dedicated to helping clients pursue their financial goals. With over 20 years in the financial services industry, he has expertise in financial planning, specializing in investment management and estate planning. Todd considers each client’s individual needs and aspirations when tailoring investment solutions.

Todd graduated from the University of Oregon with a degree in history. When he’s not in the office, Todd enjoys playing golf, fly fishing, drift boating and gardening. He is married with three children and currently serves as a life member of Welcome House/Westhaven.