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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.

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Securities offered through Raymond James Financial Services, Inc., member FINRA / SIPC. Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. Cremé Wealth Team and SageSpring Wealth Partners are not registered broker/dealers and are independent of Raymond James Financial Services. Investment advisory services offered through SageSpring Wealth Partners, an independent registered investment adviser. Raymond James does not provide tax or legal advice. You should discuss these matters with the appropriate professional. Representatives may not be registered to offer securities and advisory services in all states. Please see Raymond James' Legal Disclosures for more information.