Our Qualifications
Natalie Norman earned a bachelor's degree in Economics from Wellesley College in 1992, and a Master's Degree in Public Policy from the University of Michigan in 1996.
Between studies, Natalie worked first as Business Analyst Intern at McKinsey & Co., New York City, then as a Project Manager for the Business & Industrial Assistance Division, University of Michigan School of Business, and finally, in banking at Hyde Park Bank & Trust Co., Chicago.
Nearly 18 years ago, just prior to becoming a financial planner, Natalie managed a study to determine the national return on investment in business incubators. This study, commissioned by the U.S. Department of Commerce, informed best practices to mitigate business failures. She learned that a great majority of small companies fail due to poor financial stewardship. Asked what inspired her to become a financial advisor, Natalie says she wanted to help smart entreprenuers avoid the financial pitfalls that sabotage most promising businesses. She realized that demanding careers in general, deprive intelligent people of time to attend to their personal financial affairs and thus, they shortchange their own families.
When it comes to complex decisions surrounding sudden wealth, retirement, divorce, death of a spouse, sell of a business, inheritance, job change, and wealth transfer, clients need a second set of eyes. When the stakes are high and time is of the essence, clients may need an advisor who knows "the devil is in the detail-" all 100 pages of detail! The most rewarding aspect of her work she says, is studying to simplify decision-making for clients when there are many possible, confusing courses of action.
Natalie holds Series 7, Series 63, and Series 24 (General Securities Principal) licenses. In addition to providing fee-based financial planning, business succession planning, trust and estate planning and wealth management solutions, Natalie can supervise many areas of an investment bank and brokerage firm, including underwriting, trading, and overall compliance with financial responsibilities. Natalie holds life, long-term care, and disability insurance licenses. She is well versed in annuities, securities selection and trading, institutional money management, retirement planning, options planning, and tax planning. She has been affiliated with Raymond James for 17 years.
In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addtion to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part II as well as the client agreement. Raymond James and its advisors do not offer tax or legal advice. Your should discuss any tax or legal matters with the appropriate professional.