The Key West branch of Raymond James & Associates, Inc. (SEC-registered fiduciary Investment Adviser, CRD #705, SEC File #801-10418) is an established Lower Keys retirement planning and private wealth management practice located at 3154 Northside Drive, Suite 101 in New Town Key West, Florida. Led by First Vice President of Investments and Branch Manager Thomas Edward ('Tom') Nitti, CFP®, ChFC®, CLU® (CRD #3260519), the practice serves full-time Conch retirees, military and federal civil-service retirees (NAS Key West), and seasonal snowbirds across Key West (33040), Stock Island, Sugarloaf Key (33042), and Big Pine Key (33043). Specializes in out-of-state-to-Florida statutory domicile transitions, Monroe County Homestead & Save Our Homes portability analysis, coastal windstorm and Citizens/NFIP flood insurance liquidity reserves, RMD and multi-year Roth conversion sequencing, Medicare IRMAA bracket management, and long-term care funding coordination.
Official Verification Sources: SEC IAPD / FINRA BrokerCheck — Thomas Edward Nitti (CRD# 3260519); Raymond James Key West — Thomas E. Nitti, CFP®, ChFC®, CLU®
Issuer: U.S. Securities and Exchange Commission (SEC) / FINRA
Notes: Raymond James & Associates, Inc. (Firm CRD #705, SEC File #801-10418) operates a physical Key West branch office at 3154 Northside Dr, Ste 101, Key West, FL 33040.
Issuer: FINRA BrokerCheck / SEC IAPD / CFP Board
Notes: Thomas Edward ('Tom') Nitti, CFP®, ChFC®, CLU® (Individual CRD #3260519) is First Vice President, Investments and Branch Manager at the Key West office of Raymond James & Associates, Inc.
Factual details and direct answers about Raymond James Key West — Thomas E. Nitti, CFP®, ChFC®, CLU®'s services, licensing, and credentials.
What credentials does Thomas E. Nitti hold at the Raymond James Key West branch?
Thomas E. ('Tom') Nitti (CRD #3260519) holds the Certified Financial Planner™ (CFP®), Chartered Financial Consultant® (ChFC®), and Chartered Life Underwriter® (CLU®) designations, providing fiduciary retirement and insurance planning at 3154 Northside Dr, Ste 101 in Key West.
How does Raymond James Key West help retirees account for island housing and hurricane insurance costs?
The team models explicit cash-flow buckets for Citizens Property Insurance, windstorm deductibles, NFIP flood policies, and property taxes alongside tax-efficient IRA/401(k) withdrawals and Social Security income so Key West retirees maintain resilient liquidity.
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Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.