Rick Palmer


Financial Advisor

Direct: 813-835-2415

RICHARD.PALMER@RAYMONDJAMES.COM

 

Helping Heroes Preserve Their Money

Rick Palmer is a Financial Advisor with a CERTIFIED FINANCIAL PLANNER® designation who focuses on managing DROP (Deferred Retirement Option Plan) distributions for sworn employees and emergency services personnel. He works closely with clients to identify the factors to consider when entering DROP. Investment concerns such as asset allocation, diversification, income needs, and risk management are the cornerstone issues to consider when developing a financial plan. He is well-versed in phased retirement programs such as DROP, as well as Back-DROP and PLOP (Partial Lump Sum Option Plans). He is a member of the Florida Fire Chiefs Association, the Florida Police Chiefs Association, and a sponsor of the annual FFCA and FPCA Annual Meetings. He has also contributed articles to 1st Responder Newspaper, Florida Fire Service magazine, and Florida Police Chief magazine on articles concerning DROP.

A native of the Hudson Valley area of New York, Rick graduated from Jesuit Tampa and went on to receive his bachelor's degree in business administration from Emory University, graduating with distinction. Rick and his wife, Michele, live in Safety Harbor, FL and enjoy music, reading, exercising, and wine tastings.


 

 

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

WHY WORK WITH A CFP®

In life, it’s important to find a financial planner you trust to provide sound, unbiased advice and professional services. Being CFP® certified means someone has voluntarily taken the extra steps needed to provide the highest possible standard of financial planning to those they serve. To become a CERTIFIED FINANCIAL PLANNER™ professional one must pass the comprehensive CFP® Certification Exam, have a minimum of three years’ professional experience in financial planning process and must be approved by the CFP Board, which involves an extensive background check – including an ethics, character and criminal check. To maintain certification, CFP® license holders must complete 30 hours of continuing education accepted by the CFP Board every two years.

How does working with a CFP® certified advisor benefit you? CERTIFIED FINANCIAL PLANNER™ professionals are held to the utmost standards of ethics and professional responsibility, which prepares them for a career-long commitment to provide truly personalized services to meet your needs; all while maintaining high levels of financial planning and professionalism. CFP® professionals maintain their professional edge through ongoing education and training in addition to the rigorous requirements to represent a high level of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when working with you.