We are a full service wealth management firm. We start each relationship with financial planning. We want to understand what truly is important to our clients and from there develop a plan that's appropriate to their financial needs. We look at seven major areas: current position, investment management (including college planning), retirement planning, tax planning, group benefits, risk management and estate planning. The Lumen Wealth Group is not a registered broker/dealer, and is independent of Raymond James Financial Services. Securities are offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment Advisory Services are offered through Raymond James Financial Services Advisors, Inc.