Karen Flynn was born in Miami, FL, and is a cum laude graduate of the University of Miami with a bachelor's degree in finance. She is a registered investment advisor representative who has been in the financial services field since 1982 and a CERTIFIED FINANCIAL PLANNERTM (CFP®) since 1984. She has also earned the Accredited Investment Fiduciary™ (or AIF®) professional designation, awarded by the Center for Fiduciary Studies, which is associated with the University of Pittsburgh. Early in her career, Karen worked as a legal assistant in a major Miami law firm in the estate planning, tax and commercial real estate department. As such, she has an excellent rapport with attorneys and other professional advisors. She is past president of the Central FL Chapter of the International Association for Financial Planning and a current member of the newly merged Financial Planning Association. Karen specializes in working with businessowners in the areas of estate planning, deferred compensation and asset management. She has two grown children, Holly and Brad.
Tim is president and owner of Pension Investors Corporation of Orlando, Inc., an Independent Firm not affiliated with Raymond James. Tim has more than 30 years of experience working with businessowners in the design and implementation of qualified plans: 401(k), defined benefit, money purchase, cross-tested and age-weighted plans, ESOPS, etc. He also specializes in tax and estate planning for business owners, establishing buy/sell plans and providing business continuity to heirs or key employees. Tim specializes in strategies designed to supplement tax-deferred income over and above the limitations associated with ERISA plans. He is past president of the Employee Benefits Council of Central Florida, a member of the Estate Planning Council, the International Forum and a lifetime qualifying member of MDRT.
Tim Caldwell has been creating and servicing qualified plans since 1984. A graduate of the University of Central Florida, Tim's expertise includes extensive knowledge of accounting and tax management practices. He specializes in the design, implementation, and servicing of all types of qualified plans and corporate tax planning strategies. This allows him to provide his clients, CPAs, and attorneys with detailed assistance in these areas. Tim has been married for 21 years and has three children.
David, a financial advisor with Raymond James Financial Services, Inc., is a registered investment advisor representative and CFP® candidate. David’s primary focus is fee-based planning. He holds a bachelor’s degree in accounting from Florida Southern College with 13 years of corporate accounting and tax experience. For the past ten years, David has worked in the financial services industry where he has provided Retirement, College, and Investment Consulting.
David’s expertise includes extensive experience in the life, annuity, disability and long-term care insurance arena. He specializes in tax advantaged investment planning, IRA rollover options, qualified plans, asset protection strategies and estate planning initiatives.
His philosophy is to provide flexible strategies that benefit his clients during their working years as well as their retirement. “Giving them options for today and options for tomorrow.” David resides in Maitland, Florida with his wife, Rachel, and their two beautiful daughters. He is a member of the Central Florida Society of Financial Services Professionals and is actively involved with the JDRF (Juvenile Diabetes Research Foundation).
Tracy L. Stuck has been working in the financial services industry since 1993. Tracy’s knowledge of finance, technology and business practices allows her to provide excellent support to clients and co-workers alike. Before joining Raymond James Financial Services in 2003, she served in many support roles with Pension Investors Corp. of Orlando and has a working knowledge in many aspects of retirement plans. Tracy currently serves as our branch’s Client Service Manager. She has added a high level of service to our clients and handles all administrative aspects of client’s accounts, freeing our financial advisors to focus on investment strategies and financial planning. When clients need to talk with an advisor or schedule an appointment, Tracy is the one to call to arrange a phone conference or meeting.
Tracy has one son, and when she’s not working or keeping up with her Mom duties, she likes to take time for her hobbies such as scrapbooking, cycling and kayaking.
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 6,500 financial advisors
- 2.4 million client accounts
- 2,600 locations (United States, Canada and abroad)
- $372 billion in client assets
- $38 billion managed by its subsidiary asset managers
Raymond James Financial was 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.
