Frances Twiddy Associates | St Clair Shores, MI

Fran Twiddy, CFP®

Branch Manager

Fran has been a CERTIFIED FINANCIAL PLANNER™ since 1986 and a registered representative since 1983. She has served on the board of governors of the Certified Financial Planner Board of Standards, the standards-setting, credentialing and disciplinary body for all CERTIFIED FINANCIAL PLANNER™ licensees. She has also been a Director of the (ICFP), now known as the Financial Planning Asociation (FPA), and is a past chairman of the Michigan Society of the ICFP, now FPA.

Fran has written for or been interviewed by the New York Times, USA Today, Money magazine, ABA Journal, Detroit News, Detroit Free Press, Morningstar's Five Star Investor, Boston Globe, and WJR Radio.

In her private life Fran is active in the Episcopal Church, where she has been on the Vestry several times and has served as president of standing committee and is currently a Trustee of the Diocese for the third time. She has been a tutor at the Dominican Literacy Center and is a board member of the American Red Cross, SE Michigan Chapter. She recently received a Spirit of Detroit award from the Detroit City Council.

Fran grew up in a suburb of Chicago and is a former teacher of English at Grosse Pointe North High School and Wayne State University. Her B.A. is from Indiana University and her M.A. from The University of Michigan.

Fran enjoys playing bridge, kayaking, gardening and bicycling, as well as family time with her daughters and their husbands. Fran has been a resident of Grosse Pointe all of her adult life.

Rick Davenport

Financial Advisor

richard.davenport@raymondjames.com

Rick Davenport is a financial advisor with Frances Twiddy Associates and has been associated with Raymond James Financial Services, Inc., since 1999.

Rick has lived in the Detroit area all his life and graduated from Wayne State University with a B.S. in business administration, majoring in finance, and also has a certificate in personal financial planning from the Oakland University School of Business Administration.

Rick worked in banking and rental property management prior to becoming a financial advisor in 1998.

In his private life Rick enjoys coaching his daughters in the various sports they play and is currently head coach in the Grosse Pointe Hockey Association. Rick has also served as treasurer of the Foundation for Exceptional Children Board of Trustees in Grosse Pointe Farms.

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.

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