Credentials that demonstrate our commitment to excellence

Individuals certified by CFP Board have taken the extra step to demonstrate their professionalism by voluntarily submitting to the rigorous CFP^® certification process that includes demanding education, examination, experience and ethical requirements. These standards are called “the four E’s,” and they are four important reasons why the financial planning practitioner you select should display the CFP^® certification marks.

When selecting a financial planner, you need to feel confident that the person you choose to help you plan for your future is competent and ethical. We believe the CFP^® certification helps provides that sense of confidence by allowing only those who meet the requirements the right to use the CFP^® certification marks.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP^®, Certified Financial Planner™, CFP^® (with plaque design) and CFP^® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

A Chartered Financial Analyst^® is one of the world’s most respected and recognized investment designations. Successful candidates take an average of four years to earn their CFA^® charter. He or she has the skills needed for high-level, specialized asset-management responsibilities, including security analysis, portfolio management and business reporting.

Members of the CFA Institute, including charterholders and candidates for the CFA^® designation, must act with integrity, competence, diligence, respect, and in an ethical manner with the public, clients, prospective clients, employers, employees, colleagues in the investment profession, and other participants in the global capital markets.

CFA^® and Chartered Financial Analyst^® are registered trademarks owned by CFA Institute.

A CPFA^® is a financial professional who demonstrates expertise and experience working with retirement plans, including 401(k)s, 403(b)s and other defined contribution plans. The designation is issued by the National Association of Plan Advisors (NAPA). Advisors who earn their CPFA^® demonstrate the expertise required to act as a plan fiduciary or help plan fiduciaries manage their roles and responsibilities. They spend time during their certification learning about fiduciary duty for retirement plans, and they can be a valuable resource to clients, recommending the appropriate solutions and resources for addressing retirement questions.

Stephen is a designated RIAC advisor. RIAC is a dedicated group of financial advisors who establish and uphold a fiduciary standard of care for serving retirement plans and plan sponsors, as well as foundations, endowments and other nonprofit institutions, municipalities, corporations, insurance companies and similar clients. RIAC advisors consult nationwide and make retirement plans and institutional clients their primary focus. RIAC adheres to fiduciary best practices as outlined under the Employee Retirement Income Security Act (ERISA) for the qualified retirement plan industry and The Uniform Prudent Management of Institutional Funds Act (UPMIFA) for the institutional sector.  This adherence helps fiduciaries meet their obligations to their employees and organizations. As a RIAC member, advisors are expected to assist in the development of best practices, idea and information sharing, and general consulting across the RIAC advisor group. Additionally, RIAC advisors are expected to act as a subject matter expert for other advisors within each RIAC advisor’s geographical area and be a willing partner when opportunities present themselves.

Raymond James’ Retirement Plan & Institutional Advisory Council membership is based on assets under management, number of qualified group retirement plans, designations obtained, and compliance record. Membership is not an endorsement, is not representative of any one client’s experience, and is not indicative of future performance. No fee is paid in exchange for this membership.

Held by Roger, Private Wealth Advisor is a designation of distinction awarded by Raymond James. Designees successfully complete a rigorous curriculum and commit to continued education to stay current on innovative strategies for managing wealth and addressing an evolving investment landscape.

Private Wealth Advisors have access to the Raymond James platform of powerful private wealth resources to help their clients manage complexities and pursue their most visionary, far-reaching and entrepreneurial goals.

Private Wealth Advisors collaborate with clients’ tax and legal advisors and Raymond James home office professionals across a wide range of financial disciplines to serve the specialized needs of clients holding significant assets. The areas covered include:

• Boutique investment offerings
• Alternative investments
• Trusts and estates
• Philanthropic foundations
• Multigenerational wealth transfer
• Risk management
• Private banking and lending
• Investment banking
• Business advising
• Business succession planning
• Tax liability management
• Family legacy education

Awarded by Raymond James, Private Wealth Advisor is a designation of distinction. To earn it, advisors must demonstrate mastery of sophisticated client needs as well as the acumen to deploy specialized private wealth strategies in an integrated, holistic manner.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Investing involves risk and you may incur a profit or loss regardless of strategy selected.

Alternative investments involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. These risks include but are not limited to: limited or no liquidity, tax considerations, incentive fee structures, speculative investment strategies, and different regulatory and reporting requirements. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.

Trust services provided by Raymond James Trust N.A. Raymond James Trust N.A. is affiliated with Raymond James & Associates, Inc., and Raymond James Financial Services, Inc.

* Banking and Lending solutions are offered through Raymond James Bank, an affiliate of Raymond James & Associates, Inc, and Raymond James Financial Services, Inc. Raymond James & Associates, Inc., Raymond James Financial Services, Inc., and your Raymond James Financial Advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be put into contact with a Raymond James Bank for your residential mortgage needs.