Aiple and Holzem Wealth Management is a CFP®- and CRPC®-led retirement income and fiduciary wealth advisory practice located on Plaza Boulevard in St. Augustine South (32086), adjacent to the UF Health Flagler Hospital medical corridor. Led by Financial Advisors Renae Michelle Aiple, CFP®, CRPC® (CRD #6991432, holding both the Certified Financial Planner™ and Chartered Retirement Planning Counselor℠ designations) and Michael Holzem (CRD #6010075), with fiduciary advisory services offered through SEC-registered Raymond James Financial Services Advisors, Inc. (CRD #149018, SEC File #801-69815), the practice helps St. Augustine and Anastasia Island retirees design resilient retirement paychecks, manage Required Minimum Distributions (RMDs) and Medicare IRMAA surcharges, evaluate long-term care funding, and coordinate estate and beneficiary transitions.
Official Verification Sources: SEC IAPD Individual Profile — Renae Michelle Aiple, CFP®, CRPC® (CRD #6991432); SEC IAPD Individual Profile — Michael Holzem (CRD #6010075); SEC Investment Adviser Public Disclosure — Raymond James Financial Services Advisors, Inc. (CRD #149018); Aiple and Holzem Wealth Management Official Website
Issuer: CFP Board / College for Financial Planning / SEC
Notes: Led in St. Augustine by Renae Michelle Aiple, CFP®, CRPC® (CRD #6991432) and Michael Holzem (CRD #6010075) at 270 Plaza Blvd, Suite B4, St. Augustine, FL 32086.
Issuer: Securities and Exchange Commission (SEC)
Notes: SEC File #801-69815; fiduciary investment advisory programs offered through Raymond James Financial Services Advisors, Inc.
Factual details and direct answers about Aiple and Holzem Wealth Management (Raymond James)'s services, licensing, and credentials.
What specialized retirement credentials does Renae Aiple hold in St. Augustine?
Renae Michelle Aiple (CRD #6991432) holds both the Certified Financial Planner™ (CFP®) certification and the Chartered Retirement Planning Counselor℠ (CRPC®) designation, focusing on pre- and post-retirement income sequencing, RMD tax mitigation, Social Security claiming, and survivor benefit planning.
How does Aiple and Holzem Wealth Management assist St. Augustine seniors with healthcare and long-term care planning?
Located at 270 Plaza Boulevard near the UF Health Flagler Hospital campus in St. Augustine (32086), the team helps retirees stress-test their retirement income against rising healthcare expenses, avoid unnecessary Medicare Part B/D IRMAA surcharges, and evaluate hybrid long-term care insurance or dedicated care reserves.
How can I verify the regulatory history of Aiple and Holzem Wealth Management?
Both Renae Michelle Aiple, CFP®, CRPC® (CRD #6991432) and Michael Holzem (CRD #6010075), along with SEC-registered Raymond James Financial Services Advisors, Inc. (CRD #149018, SEC File #801-69815), can be verified directly on the SEC's Investment Adviser Public Disclosure website (adviserinfo.sec.gov) and FINRA BrokerCheck.
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