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PREPARING FOR YOUR FUTUREHow Your Raymond James Advisor Can Help

HOW YOUR FINANCIAL ADVISOR CAN HELP

Most individuals recognize the importance of investing, but lack the time, the

interest and/or the expertise to adequately assess their options and develop

effective strategies.

Particularly in today’s volatile markets, that’s where a fi nancial advisor familiar

with your objectives, your fi nances, your attitude toward risk – and the

investments and strategies available to you – can prove invaluable.

Your advisor should make certain to keep you apprised of relevant developments

and ensure that you understand their implications. In addition, the right fi nancial

advisor can help make certain your fi nancial decisions are based on facts and

careful research, rather than on emotions and market volatility.

Your time is important – as is the wealth you’ve worked so hard to accumulate.

Rather than researching the huge array of prospective investments,

determining how best to allocate your assets and diversifi ng your portfolio on

your own, you deserve objective, professional advice.

No one, however, can predict economic and fi nancial developments that

may affect your portfolio. Nor can you necessarily anticipate changes in your

personal situation or goals that may require revising your fi nancial plan.

That reality underscores the need for a sound advisory process – providing

much-needed discipline, enabling you to stay focused on your core objectives.

The right fi nancial advisor can help you:

Understand your concerns,

Identify your fi nancial goals,

Assess your tolerance for risk,

Design an appropriate investment strategy and portfolio, and

Manage and adjust your strategy and portfolio as needed.‹

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Where appropriate, your advisor will work with your CPA, attorney

and other professionals to help ensure all aspects of your legacy

and fi nancial planning have been addressed.

Your Unique Goals

Your Raymond James advisor’s role is not to identify the next big investment trend, pick winning stocks or forecast the economy’s future. Instead, his or her focus is on helping you uncover your unique fi nancial goals, aspirations, concerns and constraints, and on developing strategies to deal with them effectively. Both you and your advisor should understand how much – and what kind – of risk you are willing to assume as well as the timeframes for achieving your goals. If life changes or fi nancial developments require adjusting your objectives, your fi nancial plan should be comprehensive and fl exible enough to accommodate those changes.

Establishing and implementing an effective, dynamic fi nancial plan is a process that could entail some tough discussions about some hard choices. It, of course, also involves investing prudently: That requires a well-researched, diversifi ed portfolio based on a plan that factors in each of your goals, aspirations, concerns and constraints.

To help ensure your portfolio remains aligned with your key goals regardless of changes in your life or in the fi nancial markets, your advisor should regularly review your portfolio with you and suggest adjustments as needed. For example, according to a 2009 study by the Spectrem Group, more than one-third of working individuals surveyed had recently changed their retirement plans and planned to postpone retirement. You may think that you are among that group, but are you sure? Together you and your advisor can evaluate your circumstances, determine your specifi c situation and decide upon an appropriate course of action.

Planning for your

fi nancial future is

more important –

and more complex –

than ever before.

In today’s fi nancial markets, change remains the only constant. And as life expectancies increase, healthcare costs continue to rise, and uncertainty about the future of Social Security and personal retirement portfolios persists, coping with that change becomes increasingly diffi cult.

That’s why you need a dedicated professional who not only understands the economic issues and the fi nancial markets, but who is committedto helping you assess and meet your core objectives, truly cares about the unique issues you face, and has the ability to act in your best interest.

A Matter of Choice?

Were those polled by the Spectrem Group forced to postpone their retirements? It depends. Some, after going through the numbers, likely concluded that, by working a few years longer, they stood a good chance of living the retirements they had originally planned. Others may not have done the math, but merely hoped that working longer would solve any prospective fi nancial problems.

Some may have had other choices they could have made – for example, forgoing plans to fund a grandchild’s education to fi nance their retirement instead, or cutting back on their current expenditures to generate more income in the future. Still others may have taken multiple steps to ensure a comfortable retirement. Others may have done nothing at all.

And that’s where working with an experienced fi nancial advisor who understands your situation, cares about your future and has the independence to act on your behalf can makea signifi cant difference.

FINDING THE ADVISOR WHO’S RIGHT FOR YOU

At Raymond James, we have built and maintained our strength as one of

the nation’s foremost fi nancial services fi rms by focusing on attracting and

retaining skilled fi nancial advisors who share our commitment to conservative

management, long-term planning and client service.

From our award-winning equity research team to our longstanding reputation

for client service; from our comprehensive technological infrastructure to our

extensive array of investment products and services, your Raymond James

advisor has the tools, skills and support to develop the solutions that suit your

specifi c fi nancial needs. Your advisor can help you employ disciplined, long-

term investment strategies, and avoid reacting to short-term market swings by

providing independent, objective advice, and offering you the needed balance

to appropriately diversify your portfolio and help you meet the full range of

your fi nancial objectives.

Our advisors are focused on helping you and your family grow your wealth by

fi nding the solutions – both broad and specifi c – that best suit your needs.

From retirement and legacy planning to seeking more effi cient ways to manage

your cash, exit your business or diversify a concentrated equity position, your

Raymond James advisor has the knowledge, skills and resources to help.

While even the most skilled and dedicated advisors cannot completely protect their clients against market declines, your advisor can be invaluable in helping manage and recover from losses, as well as assisting you in remaining focused on essential goals.

In addition, your fi nancial advisor can help you determine whether specialized vehicles are appropriate to your needs. For example, a living trust or a specifi c type of IRA may be appropriate to your needs, while a special needs trust or an education savings account may benefi t a loved one.

In late 2008, most investors lost 30% to 40% of their net worth, according to the Spectrem Group. But regardless of the loss, the real question is, What will those investors do next? That is, how will they adjust their plans and their portfolios? Will they continue to focus on reaching essential long-term goals, or will they respond emotionallyto market swings?

Diversifi cation does not ensure a profi t or protect against a loss