Theo Desmulier

Financial Planner

What I can help you achieve

Financial Independence | Retirement Planning | Investment Planning | Tax Planning | Estate Planning | Financial Plan | Manage & Build your Wealth | Insurance Planning

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I am originally from Lille (France), where I grew up and graduated college in 2016. During my international business studies, I first arrived in the United States in 2014 to deepen my knowledge of the American culture and English language. Throughout my experiences in America, I developed a passion for Financial Planning and I am now eager to help the local community of Central Florida through trust, transparency, and education. 

My approach to personal financial planning is to obtain from you relevant financial information that will help me serve you in your best interest. I also embrace the Dave Ramsey debt-free philosophy when it comes to your finances and wealth-building needs.

I started my financial career in Grand Rapids, MI where Mallory & I got married in 2018 and then decided to move back to Orlando, FL where she and I first met in 2016. We bought our first home in the Orlando area in 2020, and adopted our golden retriever named Cosmo. During our free time, we love to go to the Disney World and Universal Studios parks.

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EXPERTISE

Investment Planning
Overall Investment Management Plan with emphasis on Risk Management Issues:

  • Asset Allocation Management
  • Diversification Management
  • Tax Sensitivity Management
  • Monitoring Performance
  • Cost-Effectiveness
Tax Planning
  • Minimization of income tax from investments
  • Distribution of wealth during life in the most tax-advantageous way
  • Tax-Advantaged Plans
Retirement Planning
  • During Accumulation and Distribution Periods
  • Retirement Needs Analysis
  • Qualified and Non-Qualified Retirement Plans
  • Corporate Executive Stock Options
Estate Planning
  • Titling of the Assets
  • Distribution of wealth to spouse, descendants, and others
  • Transition Plan for investment portfolio
  • Gifting to children/descendants for education or other reasons
  • Business Succession Plan
  • Charitable Gifting inclinations
Insurance Planning Risk Management
  • Life
  • Disability
  • Long-Term Care
  • Liability
Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

CERTIFICATIONS

Series 7

General Securities Representative Examination

Series 66

Uniform Combined State Law Examination

Florida 2-15

Resident Health & Life
Annuities, Variable Contracts
Disability

SIE

Securities Industry Essentials Examination