The Spring Hill Branch of Raymond James & Associates, Inc. (an SEC-registered fiduciary Investment Adviser and FINRA/NYSE member firm headquartered in St. Petersburg, Florida, CRD #705, SEC File #801-10418) is one of Hernando County's longest-standing institutional wealth management and retirement planning offices, located at 4345 Commercial Way (U.S. Highway 19) in Spring Hill, Florida (ZIP 34606, immediately north of the Timber Pines 55+ community and less than a mile from the Hernando County Property Appraiser's Westside office at 7525 Forest Oaks Blvd). Anchored by Branch Manager and Senior Vice President of Investments Paul Elbert Lentini, CFP®, ChFC® (Individual CRD #4368398), Financial Advisor Holly Sharon Price, CFP® (Individual CRD #1601228, advising Hernando County families at Raymond James since 1986 and a Certified Financial Planner™ since 1991), and Senior Vice President of Investments Scott D. Pugan, MBA, CFP® (advising since 1987), the branch brings three veteran CFP® professionals under one roof.
Serving retirees and multi-generational families across Timber Pines, GlenLakes, Weeki Wachee, Hernando Beach, Wellington at Seven Hills, and Brooksville, the Spring Hill Raymond James team utilizes Raymond James Goal Planning & Monitoring (GPM) Monte Carlo stress-testing to design durable retirement income portfolios, custom Florida municipal bond ladders, and downside-buffered equity allocations. For public-sector professionals retiring from the Southwest Florida Water Management District (SWFWMD — 2379 Broad St, Brooksville), Hernando County School District, Hernando County Sheriff's Office, and State of Florida agencies, advisors model Florida Retirement System (FRS) Pension Option 1/2/3/4 payouts against Investment Plan and Deferred Retirement Option Program (DROP) lump-sum IRA rollovers.
To preserve purchasing power across a 25- to 30-year retirement horizon, Paul Lentini, CFP®, ChFC®, Holly Price, CFP®, and Scott Pugan, MBA, CFP® coordinate SECURE 2.0 Act Required Minimum Distribution (RMD) schedules, multi-year Roth conversions, and Qualified Charitable Distributions (QCDs) engineered to minimize two-year lookback Medicare Part B and Part D IRMAA surcharges alongside Mid-Florida Area Agency on Aging / Elder Options (PSA 3) SHINE resources (1-800-262-2243). Through Raymond James Trust, N.A. corporate fiduciary services and collaboration with local Hernando County elder law attorneys, the branch also helps seniors structure assisted living and memory care funding reserves along Cortez Boulevard (SR-50) and Mariner Boulevard, budget for coastal wind/sinkhole insurance in Hernando Beach and Weeki Wachee, and maximize Hernando County Property Appraiser (John C. Emerson, CFA) $50,000 Homestead, 3% Save Our Homes portability, and Age 65+ Senior Homestead Exemptions.
Official Verification Sources: SEC Investment Adviser Public Disclosure — Raymond James & Associates, Inc. (CRD #705); SEC IAPD Individual Profile — Paul Elbert Lentini, CFP®, ChFC® (CRD #4368398); SEC IAPD Individual Profile — Holly Sharon Price, CFP® (CRD #1601228); Raymond James & Associates — Spring Hill Branch Official Website
Issuer: Securities and Exchange Commission (SEC) / FINRA
Notes: SEC File #801-10418; fiduciary investment advisory and private client wealth management services offered through Raymond James & Associates, Inc. (CRD #705) at 4345 Commercial Way, Spring Hill, FL 34606.
Issuer: CFP Board / The American College / SEC / FINRA
Notes: Led locally in Spring Hill (34606) by Branch Manager & SVP Paul Elbert Lentini, CFP®, ChFC® (CRD #4368398), Financial Advisor Holly Sharon Price, CFP® (CRD #1601228, with Raymond James since 1986), and SVP Scott D. Pugan, MBA, CFP®.
Factual details and direct answers about Raymond James & Associates, Inc. — Spring Hill Branch (Lentini, Price & Pugan CFP® Team)'s services, licensing, and credentials.
What fiduciary credentials do the advisors at the Raymond James Spring Hill branch hold?
The Raymond James Spring Hill branch at 4345 Commercial Way, Spring Hill, FL 34606 features three Certified Financial Planner™ (CFP®) professionals: Branch Manager and Senior Vice President Paul Elbert Lentini, CFP®, ChFC® (CRD #4368398, who also holds the Chartered Financial Consultant® designation), Financial Advisor Holly Sharon Price, CFP® (CRD #1601228, advising Spring Hill families at Raymond James for nearly 40 years since 1986), and Senior Vice President Scott D. Pugan, MBA, CFP® (advising since 1987). All operate under SEC-registered fiduciary Raymond James & Associates, Inc. (CRD #705, SEC File #801-10418).
How close is the Raymond James Spring Hill office to Timber Pines and the Hernando County Property Appraiser?
Located at 4345 Commercial Way (US-19), Spring Hill, Florida 34606, the branch sits less than half a mile north of the Timber Pines main gate and under one mile west of the Hernando County Property Appraiser's Spring Hill office (John C. Emerson, CFA — 7525 Forest Oaks Blvd, Spring Hill, FL 34606). This central west-county location is strictly north of County Line Road inside Hernando County, providing effortless access for Timber Pines, GlenLakes, Weeki Wachee, and Hernando Beach residents.
How does the Spring Hill Raymond James team help retirees manage RMDs, IRMAA brackets, and long-term care transitions?
Using Raymond James Goal Planning & Monitoring (GPM) software, the CFP® team stress-tests retirement income plans against inflation, sequence-of-returns risk, and assisted living or memory care costs along Cortez Boulevard (SR-50) and Mariner Boulevard. Advisors structure multi-year Roth conversions and Qualified Charitable Distributions (QCDs) to reduce SECURE 2.0 Act Required Minimum Distributions (RMDs) and prevent two-year lookback Medicare Part B/D IRMAA surcharges, while offering corporate trust administration through Raymond James Trust, N.A.
Connect with complementary legal, financial, and residential providers serving seniors in Spring Hill and Hernando County.
Hengesbach & Hengesbach, P.A.
Spring Hill, Hernando County
(352) 683-1963
Timber Pines Community Association, Inc. (55+ Golf & Country Club Community)
Spring Hill, Hernando County
(352) 666-2311
The Residence at Timber Pines
Spring Hill, Hernando County
(352) 683-9009
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Florida Senior Property Tax Exemptions →
Maximizing Hernando County's $50,000 Homestead Exemption, Save Our Homes portability, and Age 65+ Senior Exemption.
Medicare Savings Programs & IRMAA Guide in Florida →
Controlling Medicare Part B and Part D IRMAA surcharges through municipal bond income, Roth conversions, and QCDs.
Financial Planning for Florida Seniors →
CFP® and ChFC® retirement paycheck engineering, FRS DROP rollovers, and trust coordination in Hernando County.
Florida Medicaid Long-Term Care Guide →
Coordinating hybrid long-term care insurance, Raymond James Trust fiduciary services, and care reserves in Florida.
Dougherty Investment Advisors (Dougherty Wealth Management)
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The Rettig Group — Ameriprise Financial Services, LLC (Spring Hill Office)
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Steven M. Polk, CFP®, CRPC®, AAMS® — Wells Fargo Advisors (Spring Hill Office)
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Florida Tax Advisors, LLC — LPL Financial (Spring Hill Mariner Blvd Office)
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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.