Cherene Smith is a financial advisor at Raymond James & Associates with 13 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Raymond James & Associates since 2016, with prior experience at Merrill and Financial Security Advisory Inc. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a nationwide adviser network.

Oscar Garner is a financial advisor at Raymond James & Associates with five years of industry experience. He holds a Series 66 designation and has held roles at Michigan State University’s Finance Department and Altria. Garner also worked with Oakland Hills Country Club and Bloomfield Hills Schools prior to joining Raymond James. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Timothy Kowalski is a financial advisor with Raymond James & Associates in Southfield, MI. He holds Series 63 and Series 65 licenses and has 23 years of industry experience. Prior to joining Raymond James in 2018, he worked for Ameriprise Financial Services, Inc. from 2009 to 2018. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, charitable organizations, and government entities, offering financial planning and non-discretionary investment consulting through various programs and affiliated research resources.

Joseph Baran III is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with Raymond James & Associates since 2011. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research.