<SUBMISSION>
<ACCESSION-NUMBER>0000720005-02-000025
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>4
<PERIOD>20020823
<ITEMS>7
<ITEMS>9
<FILING-DATE>20020823
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>RAYMOND JAMES FINANCIAL INC
<CIK>0000720005
<ASSIGNED-SIC>6211
<IRS-NUMBER>591517485
<STATE-OF-INCORPORATION>FL
<FISCAL-YEAR-END>0930
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>001-09109
<FILM-NUMBER>02746976
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>880 CARILLON PKWY
<STREET2>P O BOX 12749
<CITY>ST PETERSBURG
<STATE>FL
<ZIP>33716
<PHONE>727-567-1000
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>P O BOX 12749
<CITY>ST. PETERSBURG
<STATE>FL
<ZIP>33716
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>RJ FINANCIAL CORP/FL
<DATE-CHANGED>19870303
</FORMER-COMPANY>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>aug028kp1.htm
<TEXT>
<HTML>
<HEAD>
</HEAD>
<BODY>

<FONT FACE="Courier New" SIZE=2><P ALIGN="CENTER">SECURITIES AND EXCHANGE COMMISSION<BR>
Washington, D. C. 20549</P>
<P ALIGN="CENTER"></P>
<P ALIGN="CENTER">FORM 8-K</P>
<P ALIGN="CENTER"></P>
<P ALIGN="CENTER">CURRENT REPORT<BR>
PURSUANT TO SECTION 13 OR 15(d) OF<BR>
THE SECURITIES EXCHANGE ACT OF 1934<BR>
</P>
<P>Date of Report (Date of earliest event reported) August 23, 2002<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;..............</P>

<P ALIGN="CENTER">RAYMOND JAMES FINANCIAL, INC.<BR>
(Exact name of registrant as specified in its charter)</P>

<P>&nbsp;</P>
<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Florida&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1-9109&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No. 59-1517485   <BR>
.................................&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;............&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;....................<BR>
&nbsp;(State or other jurisdiction of&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Commission&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I.R.S. Employer <BR>
&nbsp;&nbsp;incorporation&nbsp;or&nbsp;organization)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;File&nbsp;Number)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Identification&nbsp;No.)</P>

<P>&nbsp;</P>
<P> 880 Carillon Parkway, St. Petersburg, Florida&nbsp;&nbsp;33716<BR>
.........................................................<BR>
(Address of principal executive offices)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Zip Code)<BR>
</P>
<P>Registrant's telephone number, including area code (727) 576-1000<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;..............</P>

<P>_____________________________________________________________</P>
<P>(Former name or former address, if changed since last report.</P>

<B><P>ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS </P>
</B></FONT>
<TABLE CELLSPACING=0 BORDER=0 WIDTH=672>
<TR><TD WIDTH="7%" VALIGN="MIDDLE">
<FONT FACE="Courier New" SIZE=2><P>(c)</FONT></TD>
<TD WIDTH="0%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="93%" VALIGN="MIDDLE">
<FONT FACE="Courier New" SIZE=2><P>Exhibits</FONT></TD>
</TR>
<TR><TD WIDTH="7%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="0%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="93%" VALIGN="MIDDLE">&nbsp;</TD>
</TR>
<TR><TD WIDTH="7%" VALIGN="MIDDLE">
<FONT FACE="Courier New" SIZE=2><P>99.1</FONT></TD>
<TD WIDTH="0%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="93%" VALIGN="MIDDLE">
<FONT FACE="Courier New" SIZE=2><P>Statement Under Oath of Principal Executive Officer dated August
23, 2002.</FONT></TD>
</TR>
<TR><TD WIDTH="7%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="0%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="93%" VALIGN="MIDDLE">&nbsp;</TD>
</TR>
<TR><TD WIDTH="7%" VALIGN="MIDDLE">
<FONT FACE="Courier New" SIZE=2><P>99.2</FONT></TD>
<TD WIDTH="0%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="93%" VALIGN="MIDDLE">
<FONT FACE="Courier New" SIZE=2><P>Statement Under Oath of Principal Financial Officer dated August
23, 2002.</FONT></TD>
</TR>
</TABLE>

<FONT FACE="Courier New" SIZE=2>
<B><P>ITEM 9. REGULATION FD DISCLOSURE </P>
</B>
<P>On August 23, 2002, Thomas A. James, principal executive officer, and Jeffrey P. Julien, principal financial officer, of Raymond James Financial, Inc. submitted to the Securities and Exchange Commission, sworn statements pursuant with the SEC's June 27, 2002 Order No. 4-460 requiring the filing of sworn statements pursuant to section 21(a)(1) of the Securities and Exchange Act of 1934. </P>

<P>A copy of the statements are attached as Exhibit 99.1 and Exhibit 99.2. </P>

<B><P ALIGN="CENTER">SIGNATURES </P>
</B><P>Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. </P></FONT>
<P ALIGN="CENTER"><CENTER><TABLE BORDER="0" CELLSPACING=0 WIDTH=660 cellpadding="0">
<TR><TD WIDTH="37%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="13%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="1%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="41%" VALIGN="MIDDLE">&nbsp;</TD>
</TR>
<TR><TD WIDTH="37%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="13%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="50%" VALIGN="TOP" COLSPAN=3>
<FONT FACE="Courier New" SIZE=2><P>Raymond James Financial, Inc.</FONT></TD>
</TR>
<TR><TD WIDTH="37%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="13%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="1%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="41%" VALIGN="MIDDLE">&nbsp;</TD>
</TR>
<TR><TD WIDTH="37%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="13%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="TOP">
<FONT FACE="Courier New" SIZE=2><P>By: </FONT></TD>
<TD WIDTH="42%" VALIGN="TOP" COLSPAN=2>
<FONT FACE="Courier New" SIZE=2><P><u>/s/ JEFFREY P. JULIEN</u></FONT></TD>
</TR>
<TR><TD WIDTH="37%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="13%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="TOP">
<FONT FACE="Courier New" SIZE=2><P>Name: </FONT></TD>
<TD WIDTH="1%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="41%" VALIGN="TOP">
<FONT FACE="Courier New" SIZE=2><P>Jeffrey P. Julien</FONT></TD>
</TR>
<TR><TD WIDTH="37%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="13%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="TOP">
<FONT FACE="Courier New" SIZE=2><P>Title: </FONT></TD>
<TD WIDTH="1%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="41%" VALIGN="TOP">
<FONT FACE="Courier New" SIZE=2><P>Senior Vice President - Finance and Chief Financial Officer</FONT></TD>
</TR>
<TR><TD WIDTH="37%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="13%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="1%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="41%" VALIGN="MIDDLE">&nbsp;</TD>
</TR>
<TR><TD WIDTH="37%" VALIGN="TOP">
<FONT FACE="Courier New" SIZE=2><P>DATE: August 23, 2002</FONT></TD>
<TD WIDTH="13%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="1%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="41%" VALIGN="TOP">&nbsp;</TD>
</TR>
</TABLE>
</CENTER>

<FONT FACE="Courier New" SIZE=2>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
</FONT><B><FONT SIZE=3><P ALIGN="CENTER">Exhibits</P>
<P ALIGN="CENTER"></P></B></FONT>
<TABLE CELLSPACING=0 BORDER=0 WIDTH=630>
<TR><TD WIDTH="22%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="0%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="78%" VALIGN="MIDDLE">&nbsp;</TD>
</TR>
<TR><TD WIDTH="22%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="0%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="78%" VALIGN="MIDDLE">&nbsp;</TD>
</TR>
<TR><TD WIDTH="22%" VALIGN="MIDDLE">
<FONT FACE="Courier New" SIZE=2><P>Exhibit 99.1</FONT></TD>
<TD WIDTH="0%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="78%" VALIGN="MIDDLE">
<FONT FACE="Courier New" SIZE=2><P>Statement Under Oath of Principal Executive Officer dated August
23, 2002.</FONT></TD>
</TR>
<TR><TD WIDTH="22%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="0%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="78%" VALIGN="MIDDLE">&nbsp;</TD>
</TR>
<TR><TD WIDTH="22%" VALIGN="MIDDLE">
<FONT FACE="Courier New" SIZE=2><P>Exhibit 99.2</FONT></TD>
<TD WIDTH="0%" VALIGN="MIDDLE">&nbsp;</TD>
<TD WIDTH="78%" VALIGN="MIDDLE">
<FONT FACE="Courier New" SIZE=2><P>Statement Under Oath of Principal Financial Officer dated August
23, 2002.</FONT></TD>
</TR>
</TABLE>

<FONT SIZE=2></FONT></BODY>
</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>3
<FILENAME>exhibit99102.htm
<DESCRIPTION>EX 99.1 - STATEMENT UNDER OATH
<TEXT>
<HTML>
<HEAD>
</HEAD>
<BODY>

<FONT SIZE=3>
<P ALIGN="RIGHT">Exhibit 99.1</P>
<P ALIGN="CENTER">STATEMENT UNDER OATH OF</P>
<P ALIGN="CENTER">PRINCIPAL EXECUTIVE OFFICER AND PRINCIPAL FINANCIAL OFFICER</P>
<P ALIGN="CENTER">REGARDING FACTS AND CIRCUMSTANCES RELATING TO</P>
<P ALIGN="CENTER">EXCHANGE ACT FILINGS</P>
</FONT><FONT SIZE=2>
<P>&nbsp;</P>
</FONT><FONT SIZE=3><P>I, Thomas A. James, state and attest that:</P>

<OL>

<OL>

<LI>To the best of my knowledge, based upon a review of the covered reports of Raymond James Financial, Inc., and, except as corrected or supplemented in a subsequent covered report:</LI>


</OL>
</ol>

<OL>

<OL>


<UL>
<LI>no covered report contained an untrue statement of a material fact as of the end of the period covered by such report (or in the case of a report on Form 8-K or definitive proxy materials, as of the date on which it was filed); and<br>
  <BR>
</LI>
<LI>no covered report omitted to state a material fact necessary to make the statements in the covered report, in light of the circumstances under which they were made, not misleading as of the end of the period covered by such report (or in the case of a report on Form 8-K or definitive proxy materials, as of the date on which it was filed).<br>
</LI></UL>
</OL>
</ol>
<p>&nbsp;</p>

<OL>


<OL>

<OL>

<LI>I have reviewed the contents of this statement with the Company's audit committee.<br>
  <BR>
</LI>
<LI>In this statement under oath, each of the following, if filed on or before the date of this statement, is a &quot;covered report&quot;:</LI>


</OL>
</ol>
</ol>

<OL>


<OL>

<OL>


<UL>
<LI>Annual Report on Form 10-K for the fiscal year ended September 28, 2001, of Raymond James Financial;<br>
  <BR>
</LI>
<LI>all reports on Form 10-Q, all reports on Form 8-K and all definitive proxy materials of Raymond James Financial, Inc. filed with the Commission subsequent to the filing of the Form 10-K identified above; and<br>
  <BR>
</LI>
<LI>any amendments to any of the foregoing.<br>
</LI></UL>
</OL>
</ol>
</ol>
<p>&nbsp;</p>

<OL>


<OL>


<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
</FONT><U><P><font size="3">/S/ THOMAS A. JAMES</font></U><font size="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Subscribed and sworn to<br>
Name:  Thomas A. James&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
before me this 23 day of<br>
Date:    August 23, 2002&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
August, 2002.</P>

<P>&nbsp;</P>
<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font size="3">
</font><U><font size="3">/S/ LINDA G.WHELPLEY</font></U><font size="3"><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notary Public</font><FONT SIZE=2><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><font size="3">My Commission Expires:<br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
12/20/2004</font></P>
</BODY>
</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>4
<FILENAME>exhibit99202.htm
<DESCRIPTION>EX 99.2 - STATEMENT UNDER OATH
<TEXT>
<HTML>
<HEAD>
</HEAD>
<BODY>

<FONT SIZE=2>
<P ALIGN="RIGHT">&nbsp;</P>
<P ALIGN="RIGHT">&nbsp;</P>
<P ALIGN="RIGHT">&nbsp;</P>
<P ALIGN="RIGHT">Exhibit 99.2</P>
<P ALIGN="CENTER"><BR>
</FONT><FONT SIZE=3>STATEMENT UNDER OATH OF</P>
<P ALIGN="CENTER">PRINCIPAL EXECUTIVE OFFICER AND PRINCIPAL FINANCIAL OFFICER</P>
<P ALIGN="CENTER">REGARDING FACTS AND CIRCUMSTANCES RELATING TO</P>
<P ALIGN="CENTER">EXCHANGE ACT FILINGS</P>
</FONT><FONT SIZE=2>
<P>&nbsp;</P>
</FONT><FONT SIZE=3><P>I, Jeffrey P. Julien, state and attest that:</P>

<OL>

<OL>

<LI>To the best of my knowledge, based upon a review of the covered reports of Raymond James Financial, Inc., and, except as corrected or supplemented in a subsequent covered report:<br>
  <br>
</LI>


<UL>
<LI>no covered report contained an untrue statement of a material fact as of the end of the period covered by such report (or in the case of a report on Form 8-K or definitive proxy materials, as of the date on which it was filed); and<br>
  <BR>
</LI>
<LI>no covered report omitted to state a material fact necessary to make the statements in the covered report, in light of the circumstances under which they were made, not misleading as of the end of the period covered by such report (or in the case of a report on Form 8-K or definitive proxy materials, as of the date on which it was filed).<br>
  <br>
</LI></UL>
</OL>


<OL>

<OL>

<LI>I have reviewed the contents of this statement with the Company's audit committee.<br>
  <BR>
</LI>
<LI>In this statement under oath, each of the following, if filed on or before the date of this statement, is a &quot;covered report&quot;:<br>
  <br>
</LI>


<UL>
<LI>Annual Report on Form 10-K for the fiscal year ended September 28, 2001, of Raymond James Financial;<br>
  <BR>
</LI>
<LI>all reports on Form 10-Q, all reports on Form 8-K and all definitive proxy materials of Raymond James Financial, Inc. filed with the Commission subsequent to the filing of the Form 10-K identified above; and<br>
  <BR>
</LI>
<LI>any amendments to any of the foregoing.<br>
  <br>
  <br>
  <br>
</LI></UL>
</OL>


<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
</FONT><P><font size="3"><u>/S/ JEFFREY P. JULIEN</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Subscribed and sworn to<u><br>
</u>
Name:  Jeffrey P. Julien&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
before me this 23 day of<br>
Date:    August 23, 2002&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
August, 2002.</P>

<P>&nbsp;</P>
<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>/S/ LINDA G WHELPLEY<br>
</U>&nbsp;&nbsp;&nbsp;</font>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT SIZE=3>Notary Public</FONT><FONT SIZE=2><br>
&nbsp;&nbsp;&nbsp;

</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font size="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
My Commission Expires:<br>
&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp; 12/20/2004</font></P>

<FONT FACE="Courier New" SIZE=2><P>&nbsp;</P></FONT></BODY>
</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>5
<FILENAME>aug028k.pdf
<DESCRIPTION>PDF
<TEXT>
<PDF>
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