OUR PRACTICE OUR MISSION

“When it comes to building, managing, and preserving wealth in Jacksonville – we feel

right at home. We've spent a combined 40 years providing financial planning and
investment management services as members of this community. We believe it is our
duty – and our distinct privilege – to help our neighbors thrive.”

WHO WE SERVE DISCUSSION TOPICS

1. High net worth professionals  Employer/Employee Benefits
 Entrepreneurs, closely held business  Complex tax & insurance needs
owners, corporate executives  Selling a business
 Estate planning
2. Families & individuals in transition
 Job change  Comprehensive financial planning
 Inheritance  New/old 401(k)s
 Divorce  College Planning
 Selling a business  Investment Management

3. Those planning for retirement

 Within ten years  Social Security Decisions
 Including those recently retired  Required minimum distributions (RMDs)

Raymond James & Associates, Inc.

Member New York Stock Exchange/SIPC

245 Riverside Avenue, Suite 500, Jacksonville, FL 32202

 INTRODUCTION OUR TEAM

A. Palmer Knight, Jr., WMS

Managing Director
Senior Vice President, Investments
Wealth Management Specialist
Financial Advisor
904-348-5458
palmer.knight@raymondjames.com

About: Palmer founded Cowford Wealth Management in Jacksonville over fifteen years ago and brings more than 25 years of financial services
experience to Raymond James. Born and raised in Jacksonville, Palmer enjoys building lasting relationships with clients in our community and finds
great reward in helping them achieve their goals. He recognizes that financial planning today requires a plan that is uniquely tailored to each clients’
individual needs, goals, and ambitions.

A graduate of the University of Florida, Palmer earned his Bachelor of Science in Economics and played college baseball for the Gators. He has
been in the financial services industry since graduating and has obtained the Wealth Management Specialist designation, earned the Managing
Director title, and named to Raymond James’ Chairman’s Club* in 2014, 2015, 2016, 2017, & 2018.

Palmer takes pride in involving himself in the community by actively managing Five-Star Amateur Baseball and contributing to Wolfson Children’s
Hospital and the Dreams Come True Foundation. He and his wife, Tracy, reside in Ortega with their two children, Ashlyn and Austin. In his free time,
enjoys spending time with family, coaching, and playing golf.

Alex Douglas, CFP®

Financial Advisor
CERTIFIED FINANCIAL PLANNER™
904-348-5457
alex.douglas@raymondjames.com

About: Alex joined Cowford Wealth Management in 2013 and focuses on developing comprehensive financial strategies for clients, identifying new
investment opportunities and providing an outstanding client experience. His primary responsibilities include financial planning, business
development, investment management, and marketing. Alex’s investment credentials include the CERTIFIED FINANCIAL PLANNER™ certification
from the Certified Financial Planner Board of Standards, Inc., the Series 7 & 66, 2-15 insurance license, and Long Term Care Insurance license. He
is a member of the Financial Planning Association of Northeast Florida and has obtained the Accredited Asset Management Specialist designation.
Raymond James selected Alex as a member of their Achiever’s Club in 2016, 2017 & 2018 in recognition of his personal accomplishments.*

Prior to his career in wealth management, Alex interned as an Analyst at EverBank in multiple departments. He is a graduate of Dartmouth College,
where he earned a degree in Economics, played college football, and helped manage the $400,000 undergraduate investment fund. Alex is a third-
generation Financial Advisor and spent his early years interning during summers at his family’s practice, Douglas Capital Management, also located
in Jacksonville.

As a fellow Jacksonville native, Alex is passionate about the economic growth in our community and dedicates his personal and professional time to
serving the needs of our local families and businesses. He is a member of the Hightower Emerging Leaders Fellowship, the James Madison Institute
Leaders Fellowship and the JAXSPORTS Council. Alex has served on boards affiliated with the Chamber of Commerce, Rotary International, St.
Vincent’s Healthcare, and Habitat for Humanity. Outside the office, he enjoys working with Zebra Technologies at Jaguar home games, playing golf
and spending time with friends & family.

Joanie Burgio
Client Service Associate
904-348-5456
joanie.burgio@raymondjames.com

About: Joanie joined our team in Fall 2018 with over 10 years of experience in the financial services industry after having spent the first several
years of her career in New York and Miami. She has shown the propensity to move up within the ranks of her various roles within the settings of
private equity offices and investment companies such as Pioneer Group Holdings, Merrill Lynch, and Northwestern Mutual. Joanie holds her Series
7 license and is a graduate of St. John’s University with a Bachelor’s Degree in Accounting and Finance. She thrives on being a source of support
for both colleagues and clients, and looks forward to building lasting relationships in her new role.
*Membership is based mainly on assets under management, education, credentials, and fiscal year production. Requalification is required annually. The ranking may not be
representative of any one client’s experience, is not an endorsement, and is not indicative of advisor’s future performance. No fee is paid in exchange for this award/rating.

Raymond James & Associates, Inc.

Member New York Stock Exchange/SIPC

245 Riverside Avenue, Suite 500, Jacksonville, FL 32202

 LIFE WELL PLANNED OUR PROCESS

UNDERSTAND
This process is
We use a variety of tools including questionnaires and interviews to understand your
a dynamic, team- personal goals, current financial situation, investment experience and risk tolerance. In this
based endeavor. step, we make you fully aware of our capabilities and provide educational support to assist
our clients in understanding the scope of services we offer to help you meet your objectives.
To be most
effective, it should DESIGN
include Our team analyzes the information you share with us and designs solutions intended to help
you reach your objectives. This step may involve collaboration with other specialists or your
the client, relevant existing professionals. We present our recommendations to you, answer your questions,
members of his consider alternatives and outline the steps we need to take to implement your plan.

or her family, IMPLEMENT

our team, select In this step, we execute your customized strategy using the extensive tools available to us
Raymond James through Raymond James. This involves the selection of specific account types, investment
products and optional services; we then complete the necessary paperwork in a coordinated
specialists, and approach.
outside
MANAGE
professionals where
Once implemented, we continually monitor the progress of our recommendations relative to
appropriate. your defined objectives and suggest changes where needed. A key to this step is your
involvement in the process and communication of any significant changes in your life. We
accomplish this by providing ongoing reporting of your account activity and by conducting
periodic reviews.

ONGOING COMMUNICATION OUR COMMITMENT

 Client Reviews
o During your 1st review, we will decide together how often future reviews will take place
o Most reviews occur either over the phone or face to face in our office

 Availability
o We always attempt to be reachable via phone
or email. However, if you need to leave a
message, we promise to get back to you as
soon as possible
If we are unavailable, Joanie is here to assist

 Online Access
o Full online access to your accounts
o Paperless statements
o Mobile access via the Investor Access app
o Simple, easy to navigate

Raymond James & Associates, Inc.

Member New York Stock Exchange/SIPC

245 Riverside Avenue, Suite 500, Jacksonville, FL 32202

RAYMOND JAMES OUR CULTURE

Raymond James & Associates, Inc.

Member New York Stock Exchange/SIPC

245 Riverside Avenue, Suite 500, Jacksonville, FL 32202