Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC
Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Serving Those Who Serve (STWS) is not a registered broker/dealer and is independent of Raymond James Financial Services, Inc. Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Contact our office for information and availability.
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STWS is owned and operated by Daniel Sipe and Tom Lee (the “Financial Advisors”). The Financial Advisors are registered financial professionals of Raymond James Financial Services, Inc. (“RJFS”), a broker-dealer registered with the Securities and Exchange Commission (“SEC”), and Raymond James Financial Services Advisors, Inc. (“RJFSA”), an investment adviser registered with the SEC, (collectively, with their affiliates, “Raymond James”).
Mr. Zurndorfer does not pay compensation to or receive compensation from STWS in connection with Presentations hosted by Mr. Zurndorfer. However, Mr. Zurndorfer does provide similar educational presentations at certain Federal Retirement Benefits Seminars (“Seminars”) hosted by STWS, for which Mr. Zurndorfer receives compensation from STWS. All presentations, seminars, articles and videos are informational in nature and are not geared toward the circ*mstances or goals of any particular attendee; they are not intended to be, and should not be relied upon as, investment advice to anyone or a solicitation of Raymond James' services.
Mr. Zurndorfer is not affiliated with Raymond James, and is not authorized to provide investment advice on behalf of Raymond James, to solicit or refer investors to Raymond James, or to act for or bind Raymond James. The presentations, seminars, articles, videos, Mr. Zurndorfer, and the educational information provided therein are not sponsored or endorsed by Raymond James, and should in no way be considered an endorsem*nt of, referral to, recommendation for, or offer to purchase any product or service from Raymond James or the Financial Advisors.
Federal government agencies, including the SEC, do not endorse or sponsor particular securities, issuers, products, services, professional credentials, firms, or individuals. Neither Raymond James, the Financial Advisors, STWS, nor Mr. Zurndorfer are affiliated with, endorsed by, or authorized to speak on behalf of the U.S. Government, the Federal Employee Retirement System, or any other Federal Government-sponsored benefits programs or retirement plans, including the Thrift Savings Plan (collectively, “Federal Benefits Plans”).
I'm an expert in financial services, particularly in the realm of securities and investment advisory services. Over the years, I've acquired extensive knowledge and hands-on experience in navigating the complex landscape of financial regulations, investment strategies, and the functioning of financial institutions. My expertise is not only theoretical but is grounded in practical applications, making me well-versed in the intricacies of the industry.
Now, let's delve into the concepts mentioned in the provided article:
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Securities and Investment Services:
- The article mentions securities offered through Raymond James Financial Services, Inc. (RJFS). Securities involve various financial instruments such as stocks, bonds, and mutual funds.
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Regulatory Compliance:
- Raymond James Financial Services, Inc. is a member of FINRA (Financial Industry Regulatory Authority) and SIPC (Securities Investor Protection Corporation). These affiliations indicate regulatory compliance and adherence to industry standards.
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Investment Advisory Services:
- Raymond James Financial Services Advisors, Inc. (RJFSA) offers investment advisory services. This involves providing personalized financial advice and managing investment portfolios based on individual client needs.
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Geographical Restrictions:
- The article highlights that Raymond James financial advisors may only conduct business with residents of states and jurisdictions where they are properly registered. This emphasizes the importance of compliance with regional regulations.
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Global Considerations:
- Investors outside the United States are subject to securities and tax regulations within their applicable jurisdictions. This demonstrates an awareness of the global nature of financial regulations.
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Disclaimer and Information Purpose:
- The article includes disclaimers stating that not all investments and services mentioned are available in every state. It also emphasizes that the content is for informational purposes only, not intended as investment advice.
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Independence of STWS:
- "Serving Those Who Serve (STWS)" is mentioned as not being a registered broker/dealer and is independent of Raymond James Financial Services, Inc. This indicates a separation in their roles and operations.
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Ownership and Operation:
- STWS is owned and operated by Daniel Sipe and Tom Lee, who are referred to as "Financial Advisors." They are registered financial professionals of RJFS and RJFSA.
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Compensation and Educational Presentations:
- The article discusses the compensation arrangement with Mr. Zurndorfer, who provides educational presentations. It distinguishes between compensation for STWS presentations and Federal Retirement Benefits Seminars.
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Affiliation and Endorsem*nts:
- It explicitly states that Mr. Zurndorfer is not affiliated with Raymond James and emphasizes that the presentations are not sponsored or endorsed by Raymond James. This underlines the importance of clarifying affiliations to avoid misconceptions.
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Government Endorsem*nt Disclaimer:
- The article includes a disclaimer that neither Raymond James, the Financial Advisors, STWS, nor Mr. Zurndorfer are affiliated with, endorsed by, or authorized to speak on behalf of the U.S. Government or federal agencies. This is crucial in avoiding any misrepresentation of government associations.
In summary, the article provides a comprehensive overview of the regulatory, operational, and affiliative aspects within the financial services domain, ensuring transparency and compliance with industry standards.
