Introducing Michael J Kertyzak III

Mike is a Principal and Branch Manager of the firm with over 15 years of wealth management experience.

The Perspective of Investment Manager
As your Investment Advisor, Mike can alert you to new opportunities and advise you on changing market conditions that may affect your investments. Examples can be found in his published 2006, Bear Market Perspective client newsletter.

Mike can advise you on portfolio construction, asset allocation and risk adjusted return strategies designed to help you maximize your investment success. His expertise combines over 15 years of individual and trust investment management experience with a strong academic and quantitative training in finance. Mike is a Securities Principal (series 24), General Securities Representative (series 7), Uniform Securities Law Agent (series 63), and Uniform Investment Advisor (series 65). Mike graduated Cum with a Bachelors of Science, Major Concentration in Finance, from the University of Massachusetts.

The Training of a Tax Accountant*
Mike is a member of the Massachusetts Society of CPAs. For over a decade, Mike worked as a tax planner, mock tax preparer and research associate for Tax & Investment Group. The training he gathered while working for William Haas, one of the premier tax attorneys¹ in the country, provided invaluable experience. Mike was honored in 2006 when named as the successor to William L. Haas.

The Experience of a Financial Planner
As your Financial Planner, Mike works in fee for service relationships advising in all areas of Financial Planning and can assist you in the creation of a comprehensive financial plan. His multidisciplinary approach includes:

• Retirement Planning: Mike can help you plan for an efficient distribution of the wealth you have worked so hard to create. He is a member of the Financial Planning Association and has completed the graduate program for the CFP curriculum through the American College and The College for Financial Planning
  
• Insurance and Fringe Benefits: Prior to joining Tax & Investment Plans, Mike worked for two Fortune 500 companies advising in areas of defined contribution and benefit plan selection (401k & Pension), life, health, disability and long term care insurance.
  
• Debt Management: Mike can advise you on all matters of debt acquisition and financing. Prior to working with Tax & Investment Plans, he worked as a senior loan officer with Travelers Bank and Trust.
  
• Estate Planning: Mike can assist you in creation of wealth transfer strategies that minimize estate tax, settlement expense and administrative costs while preparing for an orderly disposition of your individual and business assets. Mike is the only non-attorney member of the Massachusetts Bar Association South Middlesex Estate Planning Committee.

¹J.K. Lasser's New Rules for Estate and Tax Planning. Harold Apolinsky, Esq. 2005; pg 267

*Tax advice is a service provided by Mike Kertyzak and not as a service of Raymond James Financial Services, Inc.

Introducing Bill Haas

Bill Haas, has been in the financial services industry for thirty-one years. His extensive background melds the training and experience of a CLU, attorney, and accountant to provide a comprehensive analysis of your individual needs.

The Experience of a Financial Planner

He will advise you as a financial planner, having worked directly in that field since 1968. Bill began his own business with tax, investment planning and insurance in 1976, forming Tax and Investment Group in 1980. He has been a branch manager with Raymond James Financial Services Inc. since 1982.

Before starting his own practice, Bill was vice president of the Aims Group, Inc., counseling officers and directors of the Fortune 500 in the selection of fringe benefit packages for corporate officers. Prior to this, he worked in advanced underwriting at the corporate office of Metropolitan Life, and is a Chartered Life Underwriter (CLU).  His company, Tax and Investment Plans, is a registered investment advisor with the Commonwealth of Massachusetts.

Bill Haas and his organization seek to develop financial, business and estate planning strategies, and to identify state of the art investment vehicles most appropriate for your needs. We maintain a personal and direct relationship with you, and inform you of external factors, which may have an impact on your decisions or holdings.

The Training of an Accountant*

He sees your situation from the perspective of a tax accountant, having received a masters in taxation (MST) from Bentley and as a member of the Massachusetts Society of CPAs.

The Perspective of a Tax Attorney*

Bill can view your estate or business issues from the perspective of a tax attorney. He served as an attorney advising the United States Treasury Department after graduation from Princeton University and Boston College Law School. He has a masters in tax law from Boston University, and for 14 years chaired a sub-committee on insurance and investments for the tax section of the American Bar Association. He also continues to be active in a small group of tax attorneys and accountants who teach in symposiums such as ALI-ABA and state bar meetings. These organizations of attorneys direct their concentration to estate and business matters. The small group also has a focus as a lobbying organization promoting tax legislation to benefit the individual and small business. He is on the legal advisory board of The Small Business Council of America.

*Tax and Legal advice is a service provided by Bill Haas and not as a service of Raymond James Financial Services, Inc.