This site is published for residents of the United States only.  Raymond James’ Financial Advisors may only conduct business with residents of the states 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.

IMPORTANT CONSUMER DISCLOSURE:         This website   is for informational purposes only and does not constitute a complete   description of investment services or performance. This web site is in no way a   solicitation or offer to sell securities or investment advisory services except,   where applicable, in states where we are registered or where an exemption or   exclusion from such registration exists. Information throughout this site,   whether stock quotes, charts, articles or any other statement or statements   regarding market or other financial information, is obtained from sources which   we, and our suppliers believe to be reliable, but we do not warrant or guarantee   the timeliness or accuracy of this information. Nothing on this web site should   be interpreted to state or imply that past results are an indication of future   performance. Neither we nor our information providers shall be liable for any   errors or inaccuracies, regardless of cause, or the lack of timeliness of, or   for any delay or interruption in the transmission thereof to the user. There are   no warranties, express or implied, as to the accuracy, completeness, or results   obtained from any information posted on this or any “linked” web site. The advisors at Carter   Financial Management are licensed to offer securities exclusively through Raymond   James Financial Services, Inc. Investment Advisory Services offered through   Carter Advisory Services, Inc