Emir Culov is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and with 26 years of industry experience. He previously worked at Wells Fargo Advisors and Morgan Stanley in various roles before joining Raymond James. Culov serves on the advisory board of the RIT Saunders School of Business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, pension plans, and institutional clients. The firm employs analytical tools for non-discretionary planning tailored to client goals and supports municipal and public-finance work through its affiliation with a municipal advisor.

Amela Culov is a financial advisor with Raymond James Financial Services Advisors, Inc. and holds Series 63 and Series 65 credentials. She has 23 years of industry experience and has previously worked at Wells Fargo Advisors Financial Network and Morgan Stanley. Culov is also an advisory board member of the Saunders School of Business at Rochester Institute of Technology. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional entities. The firm uses tailored, non-discretionary planning supported by analytical tools and maintains specialized programs for municipal and retirement plan advisory services.