Theo Desmulier

French-born 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

I am originally from Lille (France). 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 and international community through trust, transparency, and education. 

Being a French born financial advisor, 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 started my financial career in Grand Rapids, MI where my wife and I got married in 2018 and then decided to move back to Orlando, FL where she and I first met in 2016. 

I am very excited to help the Orlando local and US resident expatriates communities.

Learn more about our team

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
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
For Expatriates (en Français)
  • Flexibility Management
  • French Speaking
Retirement Planning
  • During Accumulation and Distribution Periods
  • Retirement Needs Analysis
  • Qualified and Non-Qualified Retirement Plans
  • Corporate Executive Stock Options
Insurance Planning Risk Management
  • Life
  • Disability
  • Long-Term Care
  • Liability
Tax Planning
  • Minimization of income tax from investments
  • Distribution of wealth during life in the most tax-advantageous way
  • Tax-Advantaged Plans
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