Introducing Michael J Kertyzak III

Mike is a Principal and Branch Manager of the firm with over 15 years of wealth management experience.

The Perspective of Investment Manager
As your Investment Advisor Representative, Mike can alert you to new opportunities and advise you on changing market conditions.

He can advise you on portfolio construction, asset allocation and risk adjusted return strategies designed to help you maximize your investment success. His expertise combines individual and trust investment management with a strong academic and quantitative training in finance. Mike earned a Bachelors of Science with a major concentration in Finance, is a Securities Principal (series 24), General Securities Representative (series 7), Uniform Securities Law Agent (series 63), and Uniform Investment Advisor (series 65).

The Experience of a Financial Planner
As a Financial Planner, Mike works in fee for service relationships advising in all areas of Financial Planning and can assist you in creating a comprehensive financial plan. His multidisciplinary approach looks to tailor a custom plan for your individual needs.

Prior to his appointment as Branch Manager in Lexington Massachusetts, Mike was a Financial Planner, Tax Planner, and Tax Research Associate for William L. Haas, one of the premier Tax Attorneys¹ and Financial Planners in the nation. Mike was honored in 2006 when selected by William L. Haas as his successor.

Prior to joining Mr. Haas, Mike advised in areas of insurance, debt financing, and fringe benefit selection for individuals and small business through Aon and Citigroup subsidiaries. Mike is a member of the Financial Planning Association, Massachusetts Society of CPA's and National Association of Tax Professionals.

The Heart of a Community Leader:
Mike has served as an Officer and Director of numerous non-profit agencies throughout New England. Today, Mike serves as a NASA Night Sky Network outreach educator. Over the past decade, he has hosted dozens of outreach astronomy events, taught astronomy classes, and authored newspaper columns on space and technology throughout Massachusetts and New Hampshire.

In March of 2008, Mike received and accepted a personal invitation from the Secretary of the Air Force to present at the 55th Annual National Security Forum (NSF). He continues to be an active alumni fellow.

¹J.K. Lasser's New Rules for Estate and Tax Planning. Harold Apolinsky, Esq. 2005; pg 267

*Tax advice is a service provided by Mike Kertyzak and not as a service of Raymond James Financial Services, Inc.

Introducing Bill Haas

Bill Haas, has been in the financial services industry for thirty-one years. His extensive background melds the training and experience of a CLU, attorney, and accountant to provide a comprehensive analysis of your individual needs.

The Experience of a Financial Planner

He will advise you as a financial planner, having worked directly in that field since 1968. Bill began his own business with tax, investment planning and insurance in 1976, forming Tax and Investment Group in 1980. He has been a branch manager with Raymond James Financial Services Inc. since 1982.

Before starting his own practice, Bill was vice president of the Aims Group, Inc., counseling officers and directors of the Fortune 500 in the selection of fringe benefit packages for corporate officers. Prior to this, he worked in advanced underwriting at the corporate office of Metropolitan Life, and is a Chartered Life Underwriter (CLU).  His company, Tax and Investment Plans, is a registered investment advisor with the Commonwealth of Massachusetts.

Bill Haas and his organization seek to develop financial, business and estate planning strategies, and to identify state of the art investment vehicles most appropriate for your needs. We maintain a personal and direct relationship with you, and inform you of external factors, which may have an impact on your decisions or holdings.

The Training of an Accountant*

He sees your situation from the perspective of a tax accountant, having received a masters in taxation (MST) from Bentley and as a member of the Massachusetts Society of CPAs.

The Perspective of a Tax Attorney*

Bill can view your estate or business issues from the perspective of a tax attorney. He served as an attorney advising the United States Treasury Department after graduation from Princeton University and Boston College Law School. He has a masters in tax law from Boston University, and for 14 years chaired a sub-committee on insurance and investments for the tax section of the American Bar Association. He also continues to be active in a small group of tax attorneys and accountants who teach in symposiums such as ALI-ABA and state bar meetings. These organizations of attorneys direct their concentration to estate and business matters. The small group also has a focus as a lobbying organization promoting tax legislation to benefit the individual and small business. He is on the legal advisory board of The Small Business Council of America.

*Tax and Legal advice is a service provided by Bill Haas and not as a service of Raymond James Financial Services, Inc.