Mandatory Disclosures

Raymond James Financial Services, Inc. is a broker-dealer, member FINRA/SIPC.

Jeffrey M. Garell, CFP^® (CA Insurance License #0A28462), Robert Emmer, CFP^® (CA Insurance License #0A03939) and Michael Campbell (CA Insurance License #0I13900) are advisory representatives with Raymond James Financial Services Advisors, Inc., Registered Representatives with Raymond James Financial Services, Inc., and independently licensed insurance agents.

These web pages should not be construed as an offer to recommend or sell securities, insurance or advisory services in any state in which the above individuals are not licensed and/or registered to do so.

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