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.

Fall 2009

• Rethinking Retirement
  Concerns over the markets, inflation and their effects on portfolios are changing the retirement realities of many Americans. But countering some of the challenges may be easier than you think.
• Protecting Your Online Privacy
  Protect yourself against “cyber theft’ by taking a few fundamental precautions.
• Economic Outlook
  Raymond James Chief Economist Scott Brown discusses recent signs that the economy is beginning to stabilize, as well as the outlook for monetary policy and inflation into 2010.

Summer 2009

• Raymond James Ranks First in SmartMoney Survey
  For the second consecutive year, the magazine gives Raymond James top honors among full-service broker/dealers.
• The Many Faces of Risk
  Determining if you are taking an acceptable risk in exchange for your anticipated return is key to successful investing.
• New Cash Sweep Option
  The enhanced Raymond James Bank Deposit Program for the transfer of available cash balances in your brokerage account allows for greater FDIC coverage and competitive interest rates.
• Economic Outlook
  Raymond James Chief Economist Scott Brown suggests that while the recession has not yet ended, the worst is over.

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 Eagle 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.