Vero Beach, FL N Highway A1 A Office
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Raymond James Financial
Institution
Firm-wide stats for Raymond James Financial
About
Raymond James Financial Services Advisors, Inc. (RJFSA) provides financial planning, investment consulting, and advisory services to a broad client base that includes individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. It also sponsors wrap-fee advisory programs and supports institutional consulting and portfolio management across a large advisor network and affiliated advisory firms.
RJFSA delivers non‑discretionary planning and investment consulting that is tailored to client goals, using fact‑finding, risk profiling, and analytical tools that include deterministic and probability modeling to illustrate potential outcomes. The firm encourages clients to implement recommendations through its advisory programs or other providers and has updated its disclosures to address technology, cybersecurity, and the use of artificial intelligence and machine‑learning tools in its operations.
Compared with many peers, RJFSA is affiliated with a municipal advisor, an arrangement that supports its municipal and public‑finance work and is uncommon among large institutional advisors. It also recently added a SIMPLE IRA Employer Advisory & Consulting Services program — a plan‑level, non‑discretionary offering that combines SIMPLE IRA simplicity with 401(k)-style oversight and customizable menus (including access to American Funds target date series) — and maintains targeted marketing arrangements such as a disclosed partnership with the Society for Human Resource Management.
Based on Raymond James Financial
Expertise
Based on Raymond James Financial
Location
4733 N Highway A1 A, Suite 303
Vero Beach FL 32963
Advisors at this office
3
Advisors at this office
Joseph F
Series 63
Vero Beach, FL
Raymond James Financial
Joseph Falzone is a financial advisor with Raymond James Financial who holds a Series 63 designation and has 26 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2012 and currently works at Vero Beach Wealth Management. Outside of his advisory role, he serves as a volunteer Finance and Investment Committee member for the Indian River Lagoon National Estuary Program. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients using tailored, non-discretionary strategies supported by analytical tools and risk profiling. The firm serves a diverse client base including high-net-worth individuals, pension plans, corporations, and charitable organizations.
Joanne S
CFP®, Series 63
Vero Beach, FL
Raymond James Financial
Joanne Sardella is a CFP® with 41 years of industry experience and is currently associated with Raymond James Financial Services Advisors, Inc. since 2009. Her prior experience includes 14 years at A. G. Edwards & Sons, Inc. and one year at Wells Fargo Clearing. She serves as an Independent Contractor and Branch Manager at Vero Beach Wealth Management and is a member of the finance committee at the Vero Beach Yacht Club. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm employs risk profiling and analytical tools to tailor non-discretionary planning and consulting to client goals and supports a broad advisor network with specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.
Melvin R
Series 63
Vero Beach, FL
Raymond James Financial
Melvin Ratcliff is a financial advisor with Raymond James Financial who holds a Series 63 designation and has 37 years of industry experience. He has been involved with Raymond James Financial Services Advisors, Inc. since 2012. Ratcliff is also the president of Blue Chip Divas, a support company affiliated with his advisory practice. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses analytical tools and risk profiling to tailor recommendations and supports its clients through various advisory programs and institutional consulting services.
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