Financial Perspectives

Investment education should come before any plan to invest. It’s that important. Each quarter, clients of Raymond James & Associates and Raymond James Financial Services receive our educational newsletter Financial Perspectives. The articles are designed to keep clients aware of services, investment alternatives and other significant developments. Selected articles from the current issue of Financial Perspectives are included here for your information, along with some articles from past editions that remain timely and pertinent to today’s investment environment.

Summer 2008

• Recession: What’s in a Name?
  Recession or not, consumers, economists, politicians and financial market pundits all are feeling the impact of a slowing economy.
• A Bigger Bite From Higher Energy Costs
  Dr. Scott Brown examines the impact of rising petroleum prices on overall inflation, consumer spending growth and corporate profits.
• Identity Crisis
  Identity theft victims can not only lose substantial sums of money but months, even years, of time and effort to restore their good names.
• Want to Reduce Junk Mail?
  It may be easier than you think.
• Focus on Healthcare
  A look at the future of information technology in the healthcare sector.

Spring 2008

• Subprime Fallout Touches Muni Market
• Economic Outlook – Facing Risks
• Your 2007 Tax Return: Time’s Running Out
• Putting Summer to Work
• Focus on Freight

For additional information about topics on this page, please contact your financial advisor today or use the convenient Office Locator to find our office(s) nearest you.

Raymond James & Associates, Raymond James Financial Services and Heritage Asset Management are wholly owned subsidiaries of Raymond James Financial, Inc. (NYSE-RJF).

The information contained in this newsletter has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. We may, from time to time, have a position in the securities mentioned and may buy or sell such securities in the course of regular business.

Before making an investment decision, always consult with your financial advisor. Articles in this publication are presented to help broaden your perspective on investment opportunities and the investment process. Whether a particular subject is applicable to your situation or not should be determined by you and your financial advisor based on your financial objectives, time horizon, risk tolerance and current portfolio structure. For additional information about topics in this edition of Investment Briefings, please contact your financial advisor today. Thank you.