Financial Benefit Services Corporation

George Spino

MBA, ChFC

Managing Principal, FBSC

Financial Advisor, RJFS

Toll-Free: 800-543-6410

george.spino@raymondjames.com

Education

Bachelor of Science in Education, University of Rhode Island
Master of Business Administration, Bryant College
Chartered Financial Consultant (ChFC), The American College

Professional Credentials

Registered Investment Advisor Agent
Series 7, General Securities Representative
Series 24, General Securities Principal
Series 51, Municipal Fund Securities Principal
Series 63, State Law Exam

Professional Accomplishments & Experience

Co-Author of "In-Tuition" the guide to college financial Aid
Former Co-Host of the popular talk radio show "On the Money" on WGAN Radio
Financial guest on local television stations WGME 13 and WCSH 6
Adjunct faculty member for New Hampshire College's Graduate School MBA Program
Over 18 years experience as investment representative and financial planner

Community & Civic Activities

Former Chairman of VNA Home Healthcare & Hospice Board of Directors
Member of Mercy Health Systems Board of Directors
Head coach of Scarborough Middle School Football Team

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David Bilodeau

Financial Advisor, RJFS

david.bilodeau@raymondjames.com

Education

Associates Degree in Business Administration, Husson College, Bangor, Maine

Professional Credentials

Series 7, General Securities Representative
Series 9,10, General Securities Sales Supervisor Qualification Exam
Series 63, Uniform Securities Agent State Law Exam
Series 65, Uniform Investment Advisor Law Exam

Professional Accomplishments & Experience

Over 17 years experience as investment representative
Registered Representative of Raymond James Financial Services, Inc.
Registered Investment Advisor Representative of Financial Benefit Serivces Corp.

Community & Civic Activities

United States Coast Guard Auxiliary
Active volunteer member and Past Flotilla Commander
Former Trustee, Portland Symphony Orchestra

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Jim Davis

Financial Advisor, RJFS

james.davis@raymondjames.com

Education

Bachelor of Arts in Mass Communication, University of Maine at Orono

Professional Credentials

Licensed Insurance Producer
Series 7, General Securities Representative
Series 66, Uniform Combined State Law Exam

Professional Accomplishments & Experienec

Registered Investment Advisor Representative of Financial Benefit Services Corp.
Registered Representative of Raymond James Financial Services, Inc.

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Jay Pearl

Financial Advisor, RJFS

jay.pearl@raymondjames.com

Education

Associates Degree in Business Administration, Husson College, Bangor, Maine

Professional Credentials

Licensed Insurance Producer
Series 7, General Securities Representative
Series 66, Uniform Combined State Law Exam

Professional Accomplishments & Experience

Registered Investment Advisor Representative of Financial Benefit Services Corp.
Registered Representative of Raymond James Financial Services, Inc.

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Thomas Perkins

Financial Advisor, RJFS

Toll-Free: 800-543-6410

thomas.perkins@raymondjames.com

Education

B.A. Political Science, Rollins College, Winter Park, Florida

Professional Credentials

Series 7, General Securities Representative
Series 63, Uniform Securities Agent State Law Exam
Series 65, Uniform Investment Advisor Law Exam

Professional Accomplishments & Experience

Serving the investment needs of individuals and small businesses since 1992

Community & Civic Activities

President of St. Andrews Free Bed Fund, Boothbay Harbor, Maine

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Denise Lemieux

Office Manager

denise.lemieux@raymondjames.com

Education

Frontier Regional High School, Deerfield, MA; Member National Honor Society

Professional Accomplishments & Experience

26+ years Paralegal/Secretary/Management/Supervisory Duties

About Raymond James

Raymond James is one of the largest independent financial services firms in the United States. Since its beginning in 1962, it has always been a different kind of company – embracing long-term planning and methodical decision-making while staying uncompromisingly client focused. When other firms were simply buying and selling stocks or mutual funds, Raymond James focused on financial planning to help individuals reach their goals. It was the first firm to pioneer that concept – and today it supports its advisors with access to a full range of comprehensive resources, helping them to do the same.

More than 5,400 financial advisors
2 million client accounts
2,400 locations (United States, Canada and abroad)
$268 billion in client assets
$35 billion managed by its subsidiary asset managers

Raymond James Financial was recently named the best full-service broker in the 2011 SmartMoney annual broker survey for the third time in four years – ranking above Edward Jones, Wells Fargo, UBS, Merrill Lynch and Morgan Stanley Smith Barney.

For more information, visit raymondjames.com.

SmartMoney does not endorse any product or service of Raymond James. The survey criteria included performance of recommended stocks, customer satisfaction, and user-friendliness of account statements and websites. Past performance may not be indicative of future results. Please note that fees and charges will reduce an investor’s return.

About Us

About Raymond James