1 In a consumer study about dynamics between wealth managers and their clients, Fivl polled wealth managers and consumers about communications. Both groups said that connecting three to four times a year is the right communications strategy, but expectations are not aligned in all areas: 29 percent of consumers want to be contacted by their wealth manager whenever events require an update; only 7 percent of wealth managers say they contact clients based on the impact of events. 63 percent of consumers say they receive the right amount of communication from their wealth manager. From research conducted by Fivl, April Award 2012 Sacramento Five Star Wealth Managers Wealth managers, broadly defined, are those individuals who help you manage your financial world and/or implement aspects of your financial strategies. Common examples of wealth managers are financial advisors, financial planners, investment advisors, tax advisors and estate planning attorneys. How do you find a wealth manager with experience, who has a good base of clients with high retention rates, and who has undergone a regulatory and complaint review? And when you find them, are they accepting new clients? Sacramento magazine and Fivl partnered to find wealth managers who satisfy 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services to their clients. Among many distinguishing attributes, the average oneyear client retention rate for this year s award winners is more than 92 percent. Don t listen to other people. Investigate for yourself. Be wary of advisers who say they never had a down year. Fivl A Select Award Five Star Wealth Manager The are a select group, representing less than 4 percent of the wealth managers in the Sacramento area. (1) Although this list is a useful tool for anyone looking for help in managing their financial world or implementing aspects of their financial strategies, it should not be considered exhaustive. Undoubtedly, there are many excellent wealth managers who, for one reason or another, are not on this year s list. al In order to consider a broad population of high-quality wealth managers, award candidates are identified by one of three sources: firm nomination, peer nomination or pre-qualification based on industry standing. Self-nominations are not accepted. Sacramento award candidates Candidates were identified using internal and external research data, including a survey to more than 3,000 registered financial services professionals and all identified financial service companies in the area that are registered with FINRA or the SEC. Five ofes Five Star award information FS 1
2 Determination Of Award s Research Disclosures FS 2 Five Star award information: Award candidates who satisfied 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services were named 2012 Five Star Wealth Managers. (2) Eligibility Criteria Required (3) 1. Credentialed as an investment advisory representative (IAR), a FINRA-registered representative, a CPA or a licensed attorney. 2. Actively employed as a credentialed professional in the financial services industry for a minimum of five years. 3. Favorable regulatory and complaint history review. (4) 4. Fulfilled their firm review based on internal firm standards. 5. Accepting new clients. Evaluation Criteria Considered (3) 6. One-year client retention rate (the average one-year client retention rate of this year s award winners is more than 92 percent). 7. Five-year client retention rate. 8. Non-institutional discretionary and/or non-discretionary client assets administered (this year s award winners administer an average of $77 million in client assets). 9. Number of client households served (on average, this year s award winners serve 225 households). 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The Five Star award is not indicative of the wealth manager s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Fivl and Sacramento magazine. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Fivl in the future. Fivl is not an advisory firm, and the content of this article should not be considered financial advice. For more information on the Five Star award and the research/ selection methodology, go to (1) 881 award candidates in the Sacramento area were considered for the Five Star Wealth Manager award. 175 (approximately 20 percent of the award candidates) were named 2012 Five Star Wealth Managers. The 175 award winners represent less than 3 percent of the total wealth managers in the area. Fivl (2) Wealth managers were required to certify that any information they provided was accurate. (3) Criteria 4, 8 and 9 do not apply to attorneys or CPAs. (4) As defined by Fivl, the wealth manager has not: Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine. Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Fivl s consumer complaint process. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority. Filed for personal bankruptcy. Been convicted of a felony The Five Star award goes to less than 7 percent of wealth managers. Insights from Five Star Wealth Managers Wishful thinking is not planning. If you plan for the worst, you will never be unpleasantly surprised. Clients don t care how much you know until they know how much you care. Only invest in something that you understand. What matters most is how you recover from setbacks. al Fivl conducts a regulatory review of each nominated wealth manager using the Investment Adviser Public Disclosure (IAPD) website. Fivl also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists. Data submitted through these processes was applied per the above criteria: Each wealth manager who passes the Fivl regulatory review must attest that they meet the definition of favorable regulatory history, based upon the criteria listed above. Fivl promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a wealth manager. Fivl contacted approximately 1 in 12 households identified as having a high propensity to use the services of wealth managers in order to provide consumers the opportunity to submit complaints regarding a wealth manager. More than 14,500 households in the Sacramento area were contacted. Five ofes The Five Star Wealth Manager selection criteria was updated for the 2012 award year Five Star Wealth Managers scored highest in overall satisfaction based on feedback from clients, peers and industry experts. No more than 7 percent of wealth managers receive the award each year. The selection process for the award winners can be found at
3 Business Planning Lawrence Hansen Capital Planning Advisors Estate Planning Clark Allison Counsel Protect Robin Bevier Law Offices of Robin C. Bevier Kay Brooks Weintraub Genshlea Chediak Robert Duncan Duncan Law Professional Chuck Ebersole Foord Van Bruggen Ebersole & Pajak Jana Ellerman Law Offices of Guthrie & Ellerman Jugjit Johal CVM Law Group Page 10 Irving Joseph Meissner Joseph & Palley Ernest Krtil Wilke Fleury Hoffelt Gould & Birney Timothy Murphy Murphy Law Firm Tracy Potts Legacy Law Group Mark Umeda Law Office of Mark Y. Umeda Financial Planning Richard Allison Allison Wealth Management Page 11 K. Randall Alston Foothill Securities Page 11 Eric Andersen Perennial Pension & Wealth Leonard Atkinson The Investment Center David Aton Ameriprise Financial Services, Inc. David Bastoni Bastoni Financial Services James Biller Wedbush Securities Page 8 David Brown Ameriprise Financial Services, Inc. Christopher Bulman Cornerstone Financial Partners Steven Burnett Hanson McClain Advisors Daniel Cairns Robert W. Baird & Company Chris Carolan Morgan Stanley Smith Andrew Cloninger Merrill Lynch Jeffrey DeBoer DeBoer Financial Group Page 9 David Deruelle RBC Wealth Management Patrick Donnelly Cornerstone Financial Partners Page 8 Award winners listed by primary services and listed alphabetically by last name. Edward Dower American Eagle Wealth Advisors Tarik Eldin Sacramento Credit Union Kent Elliott Robert W. Baird & Company Ann Fagan Fagan Financial Planners Larry Frank Better Financial Education Mark Frederick First Allied Securities Mark Fujiwara Morgan Stanley Smith Garrick Gookin South Placer Wealth Management Group David Hedger Liberty Group David Herman LPL Financial Richard Huchingson Christian Financial Strategies Heidi Hunter Thrivent Financial Amanda Johnson Ameriprise Financial Services, Inc. Ellwood Jones Capital Region Financial Group Kelly Kaneski Kaneski Associates Financial & Insurance Services/New York Life Seth Kaplan Robert W. Baird & Company Page 11 Trevor Kern Zeller Kern Private Wealth Management Dan Koch Raymond James Financial Services Kayle Larsen Larsen Wealth Management Stanley Leong Ameriprise Financial Services, Inc. John Lewis Ameriprise Financial Services, Inc. Rashida Lilani Lilani Wealth Management Gregory Lucas Lucas Group Financial Planners Gary Malkasian Gary Malkasian Insurance & Financial Services Patrick McClain Hanson McClain Advisors Courtney McHarg Ameriprise Financial Services, Inc. Bret McIntosh Merrill Lynch Thomas Melton Melton Financial Group Wealth Advisory Paul Meyerhoff Symphony Financial Planning Cynthia Meyers Cynthia S. Meyers Troy Miller Troy E. Miller David Nakamura Morgan Stanley Smith Kimberly Ogden Atherton Wealth Advisors Gary Pevey Wealth Design Group Daryl Powell Charles Schwab Michael Rodegerdts Ameriprise Financial Services, Inc. Scott Roseman Roseman Wagner Wealth Management Robert Roth Ameriprise Financial Services, Inc. Page 5 George Salidas Morgan Stanley Smith Matthew Schmitt Robert W. Baird & Company Roger Schreffler VALIC Financial Advisors Page 6 Judy Seibold Merrill Lynch Derek Seo Ameriprise Financial Services, Inc. Page 7 Cyril Shah Raymond James Financial Services Kevin Shimmel Morgan Stanley Smith William Silva Ameriprise Financial Services, Inc. Page 12 Oscar Snyder Snyder Wealth Management Group Page 12 Richard Staff First Allied Securities David Stone Stone Consulting Group Kent Suemnicht Thrivent Financial Paul Swagart Financial Network Investment Corporation Stephen Swarbrick Weston & Tuttle Wealth Advisors Gene Tabb III Sierra Wealth Management Stephen Taylor Bancwest Investment Services Nigel Templeman New York Life Violetta Terpeluk Ameriprise Financial Services, Inc. Fivl al Five ofes Five Star award information FS 3
4 Timothy Vas Dias Ameritas Investment Paul Wheeler Ameriprise Financial Services, Inc. Page 10 Marilyn White Private Wealth Management Robert Young Main Street Wealth Group Steven Zeller Zeller Kern Private Wealth Management Insurance Thomas Nguyen Farmers Insurance Group Daryl Seaton New York Life Investments Ariel Agustin Merrill Lynch Mark Aizenberg Wells Fargo Advisors, LLC Page 11 Norma Andrade-Casanova Wells Fargo Advisors, LLC Jason Arnold Merrill Lynch Jeffrey Auwinger Wells Fargo Advisors, LLC Louis Barrientos Placer Summit Financial Group Michael Batt Wedbush Securities Melanie Bergevin Edward Jones Joyce Blonskij Blonskij Financial Services Page 9 Timothy Brockway Asset Strategies Group Page 9 Kenneth Brown Avisen Securities Robert Burton Wells Fargo Advisors, LLC John Carr Merrill Lynch Mark Chapman Morgan Stanley Smith Raymond Chow Wedbush Securities Page 8 Shawn Claycomb Claycomb Wealth Management Douglas Conklin Merrill Lynch Michael Corbella Merrill Lynch William Corley Cambridge Investment Research Kevin Corrigan Woodbury Financial Services FS 4 Five Star award information: Award winners listed by primary services and listed alphabetically by last name. Leland Crawford Wells Fargo Advisors, LLC Page 9 Richard DeBono Avisen Securities Kevin Dedenbach Wells Fargo Advisors, LLC Steven Deelstra Merrill Lynch Michael DePhilippis Edward Jones James Diepenbrock Morgan Stanley Smith Kable Doria Ameriprise Financial Services, Inc. Jason Ezzell Merrill Lynch Robert Ferriman Robert W. Baird & Company Brian Fox Merrill Lynch Lesa Franklin-Johnson Edward Jones Robert Gibson Gibson Capital Management Page 11 Dru Gilbert Wedbush Securities Page 8 Lucas Giordano Main Street Wealth Group Scott Gordon Wells Fargo Advisors Financial Network, LLC Diova Gray Main Street Wealth Group Wolfgang Hawlisch Merrill Lynch Brad Heaps Charles Schwab Steve Heng Wells Fargo Advisors, LLC James Hennessy Wedbush Securities Fred Jackson Edward Jones Kevin Kimura Merrill Lynch Mary Kobane Wells Fargo Advisors, LLC Page 11 Matthew Larsen Edward Jones Bill Lawver Foothill Securities Page 11 Lew Lemon Golden 1 Credit Union Sean Lucas Merrill Lynch Douglas MacFarlane Robert W. Baird & Company Ellen MacInnes Morgan Stanley Smith Thomas Marx Merrill Lynch Joseph McGann Southwest Securities Martin Meier LPL Financial Page 10 David Nielsen Southwest Securities Jody Nunez Cornerstone Financial Partners Page 8 Karin Owens First Allied Securities Craig Parker Morgan Stanley Smith Adam Persily Robert W. Baird & Company Kenneth Peters Wells Fargo Advisors, LLC Rani Pettis Wells Fargo Advisors, LLC Ryan Prestimonico Charles Schwab Mark Ray Praxis Consulting Christeen Reeg Wells Fargo Advisors Financial Network, LLC Page 11 Paul Rees Wells Fargo Advisors, LLC Page 11 John Schoeppach Merrill Lynch Julie Small Merrill Lynch Stephen Smith Morgan Stanley Smith Page 12 Judith Steele First Allied Securities David Thomas Merrill Lynch Scott Thomas Placer Summit Financial Group Dru Torvend Hometown Advisors Scott Van Epps Lighthouse Strategic Advisors Kimmy Wan Charles Schwab Rod Waterbury Placer Summit Financial Group Bryan Wertzer Sutley Wertzer Johnathan Wilson Stifel, Nicolaus & Company Jeffrey Won Morgan Stanley Smith Bruce Yoshida Robert W. Baird & Company John Zezini Edward Jones Fivl al Taxation Burton Douglass Douglass & Company, CPA Darrell Dwyer Dwyer and Company Sue Hullen Hullen Accountancy Sheila McGovern McGovern Planesi & Walters Michael Wilson Wilson Wilson & Taylors, CPAs Five ofes Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, CERTIFIED FINANCIAL PLANNER and the federally registered CFP (with flame logo) in the U.S., which it awards to individuals who successfully complete CFP Board s initial and ongoing certification requirements. The Chartered Financial Consultant credential [ChFC ] is a financial planning designation awarded by The American College.
5 Robert J. Roth Helping Clients Prepare for the Certainty of Uncertainty Left to right: Three-year winner Robert Roth, Michele De George, Leonard Watson, Lloyd Gong, Stacy Camarillo, Eric Stohl and Carlee Hartley Professional advocacy for your financial independence A trusting and safe environment to share your financial concerns More than 80 years of combined industry experience for my team Robert Roth: Financial Advisor, CERTIFIED FINANCIAL PLANNER Designations: CFP, CFS With more than 23 years of experience, it has been my pleasure to listen, educate and advocate for clients financial wellbeing. This dedication to service, advice and commitment to clients achieving their goals has resulted in multigenerational client relationships. Areas of Focus: Helping you protect the things that matter the most Fivl al 2356 Gold Meadow Way, Suite 160 Gold River, CA Phone: (916) Fax: (916) ameripriseadvisors.com/robert.j.roth Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients. Five ofes Five Star award information FS 5
6 Roger Schreffler Support, Service and Proven Leadership FS 6 Five Star award information: Comprehensive approach anchored in your values Providing you with personalized financial solutions Fivl Title: Investment Advisor Representative The recent portentous market has turned traditional money management styles upside down. Armed with more than 17 years of industry experience and access to a full range of investment products, I have had the privilege of guiding my clients through these unprecedented times. In my practice, I focus on four interlocking key areas: asset preservation, investment management, tax-reduction strategies and lifetime income strategies. There is no better time than now to take control of your future. al Call us today to schedule a complimentary appointment and discover what makes us different. VALIC Financial Advisors, Inc Douglas Boulevard, Suite 150 Roseville, CA Office: (916) Cell: (916) Three-year winner Roger Schreffler and Kirsten Jorgensen Five ofes Securities and investment advisory services are offered by VALIC Financial Advisors, Inc., member FINRA and an SEC-registered investment advisor. VALIC represents The Variable Annuity Life Insurance Company and its subsidiaries, VALIC Financial Advisors, Inc. and VALIC Retirement Services Company.
7 Derek Seo Loyal Innovative Caring Left to right: Tony Bell, Jeanne Dendas, Five Star award winner Derek Seo, Audrey Seo, Norielle Gottschalk Comprehensive, fee-based financial planning Investment and insurance management strategies Estate and long-term care planning strategies Title: Financial Advisor Designation: CERTIFIED FINANCIAL PLANNER practitioner Not all of life s problems can be solved with a stock or bond mutual fund. That s why we focus on your complete financial picture before recommending solutions that will work for you. You ll feel better about your future knowing you have a loyal Area of Focus: Retirement Planning and Family Wealth Management services Fivl and knowledgeable team of professionals here to help you make sense of today s complex financial world. Come see what personalized advice along with world-class financial products can do for you. al Seo and Associates, a financial advisory practice of Ameriprise Financial Services, Inc Duckhorn Drive Sacramento, CA Office: (916) Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients. Five ofes Five Star award information FS 7
8 Left to right: Three-year winner Raymond Chow, 2012 winner Dru Gilbert and two-year winner James Biller FS 8 Five Star award information: Left to right: Three-year winner Jody R. Nunez and two-year winner Patrick M. Donnelly Cornerstone Financial Partners LLC congratulates Jody Nunez and Patrick Donnelly for being selected as. Through your repeated selection, you have shown that you continue to deliver excellent service to your clients. Jody Nunez and Patrick Donnelly have more than 35 years of combined experience serving the greater Sacramento area. You can count on Jody and Patrick being there through your retirement. Make them a part of your future. Founded in 1955, Wedbush Securities is one of the largest private securities firms and investment banks in the nation. With more than 100 offices, our private client services group specializes in providing brokerage and advisory services to both institutional and private clients. Member NYSE/FINRA/SIPC. Cornerstone Financial Partners Committed to Your Success Retirement income, 401(k) rollovers Investment management, risk management Charitable funding Title: Financial Advisors Cornerstone Financial Partners 2377 Gold Meadow Way, Suite 100 Gold River, CA Iron Point Road Folsom, CA Jody: (916) Patrick: (916) Patrick M. Donnelly and Jody Nunez, Investment Advisor Representatives. Securities and investment advisory services offered solely through Ameritas Investment Corp. (AIC), member FINRA, SIPC. AIC and Cornerstone Financial Partners LLC are not affiliated. Additional products and services may be available through Cornerstone Financial Partners that are not offered through AIC. Securities Jody R. Nunez CA Insurance License # Patrick M. Donnelly CA Insurance License #0D Dru Gilbert, James Biller and Raymond Chow Fivl Our Philosophy Is Clients First We Listen to You Municipal sales and trading Financial and estate planning Wealth management al Dru Gilbert, Vice President Raymond Chow, Senior Vice President Investments James Biller, Vice President Investments 455 Capitol Mall, Suite 150 Sacramento, CA Toll-free: (866) Phone: (916) Five ofes
9 Joyce Blonskij Blonskij Financial Services, Inc Madison Ave., Ste. 107 Fair Oaks, CA Office: (916) Author of Own the Clouds Discover what the future holds for in-the-know investors Download a free chapter at Join the launch party, March 6 th, at Own the Clouds Party Starts at Midnight. Are you ready to focus on your financial future but aren t sure how to get there? In today s turbulent economic environment, we help take the mystery out of investing, preparing for retirement and preserving wealth. With more than 25 years of industry experience, Joyce Blonskij offers cutting-edge views and a strong degree of market intelligence that s important for helping clients recognize the possibilities that lie ahead. Joyce to speak at your next event or visit Blonskij Financial Services, to learn more. Registered Representative. Securities offered through Cambridge Investment Research, Inc., a Broker/ Dealer, Member FINRA/SIPC. Investment Advisor Representative Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Blonskij Financial Services Inc. are not affiliated. Leland M. Crawford 400 Capitol Mall, 17 th Fl. Sacramento, CA Direct: (916) Discretion Integrity Trust Client focused Customized, unbiased advice Retirement planning, wealth preservation Designations: Certified Investment Management Analyst SM (CIMA ) Title: Senior Vice President Investment Officer As a 29-year veteran, Leland values working with people who take their investments seriously. He works with individuals, corporations and foundations to create investment portfolios tailored to meet specific financial needs. Call him directly or him anytime for information or to schedule a private consultation. Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR ]. Timothy A. Brockway 1792 Tribute Rd., Ste. 270 Sacramento, CA Office: (916) , Ext. 259 Cell: (916) Extraordinary Financial Services Asset Management, Estate Planning, Insurance/Employee Benefits Titles: President, CEO Our mission has always been to redefine the financial services industry on behalf of our clients. Through diligent design, professional assistance with their financial strategy and dedicated advocacy, we benefit our clients and grow them into their own ambitions while we continually gather faithful partners committed to the shared vision of unwavering and quality service. ASG and Asset Strategies Group are the marketing names of ASG Financial and Insurance Services, Inc. (CA License 0D51756). Securities offered through MML Investors Services, Inc. ASG, Asset Strategies Group and ASG Financial and Insurance Services, Inc. are not affiliates or subsidiaries of MML Investors Services, Inc. Jeffrey DeBoer 1013 Galleria Blvd., Ste. 205 Roseville, CA Office: (916) Fivl al Guiding You Through a Secure Retirement Independent, objective advice to help you achieve your goals Exceptional personal service and communication Experts in asset preservation and tax-reduction strategies Areas of Focus: Retirement Income, Investment, Tax and Estate Planning Smart planning starts with really understanding your personal financial needs and goals. Only then will we develop personally customized strategies to help connect all the pieces of your financial life into a cohesive plan for your secure future. We believe that you deserve to work with a team who shares your vision, earns your trust and works diligently to help you attain the life you desire for you and your family. Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Advisor. Five ofes Five Star award information FS 9
10 Jack S. Johal FS 10 Five Star award information: CVM Law Group, LLP 8795 Folsom Blvd., Ste. 200 Sacramento, CA Phone: (916) Experienced Knowledgeable Compassionate 30 years of experience in business, tax and estate planning Creating comprehensive solutions to complex problems Personalized planning for business and personal needs Areas of Focus: Estate, Business, Tax and Charitable Planning Designations: JD and LL.M. in Taxation Johal has advised high-net-worth clients in all areas of taxation, including income, estate, gift and property tax. As more specialization occurs in wealth management and planning, it is rare to find an attorney who has the experience and knowledge required to find solutions to complex estate, business and tax planning issues and goals. Involved in drafting California legislation, he remains on the cutting edge of new developments. Always available to his clients, he has surpassed the concept of personal service. Paul Wheeler 8080 Madison Ave. Fair Oaks, CA Office: (916) paul.k.wheeler More than 20 years of business experience Wealth preservation in volatile markets Comprehensive, thorough and dynamic financial planning Transition to Retirement, Retirement Income, Wealth Preservation Strategies, Legacy Planning All About You As a financial advisor for 20 years, Paul, CFP has been assisting and guiding clients toward creation and preservation of wealth. In a fastpaced, volatile world, he uses a comprehensive approach to financial planning in conjunction with adaptive and responsive investment systems that result in customized solutions for individual clients. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients. Martin R. Meier 7919 Pebble Beach Dr., Ste. 202 Citrus Heights, CA Office: (916) CA Insurance Lic. No Independence, Integrity, Service, Ethics Solutions for retirement and estate planning Personalized goal-oriented advice 30 years of experience Titles: LPL Financial Advisor, Branch Manager Designation: MBA I have 30 years' experience assisting clients in navigating their way to retirement and then through retirement. Manage retirement income and risk using custom-designed investment portfolios that address your personal needs. Utilize IRA, IRA rollover strategies, annuities, tax-advantaged investments and living trusts in the planning process. Plan ahead for life transitions. Operate in a Christian, family-friendly environment where honesty, integrity, and customer needs and service always come first. LPL Financial. A Registered Investment Advisor. Member FINRA/SIPC. Wealth will only come as a result of living beneath your means. Saving even a small amount every month can grow to something significant. Fivl Five Star award winner al Five ofes
11 Mark I. Aizenberg Wells Fargo Advisors, LLC 400 Capitol Mall, Ste.1700 Sacramento, CA Phone: (916) First Vice President Investments, PIM Portfolio Manager Aspiring for excellence in portfolio management, Mark has developed a robust set of investment philosophies that are complimented by the vast resources of Wells Fargo Advisors, LLC. Clients invest in one of Mark's active investment portfolios that vary by risk. Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR ]. Richard Allison 1375 Exposition Blvd., Ste. 201 Sacramento, CA Office: (866) Cell: (530) Richard s business is built on integrity, trust and service. He focuses on understanding his clients goals, educating them about options and providing customized solutions. Richard K. Allison is a Registered Representative of and offers Securities through Securities America, Inc. Member FINRA/SIPC, Advisory Services offered through Securities America Advisors, Inc., Richard K. Allison Investment Advisor Representative. Allison Wealth Management and the Securities America Companies are not affiliated. CA Insurance Number OD Bob Gibson Gibson Capital Management 720 Howe Ave., Ste. 102 Sacramento, CA Office: (916) Cell : (916) Guaranteed lifetime income strategies for self and spouse. Defensive money management strategies for uncertain times. Lifestyle protection and lifetime retirement income planning strategies. Holistic financial life planning for individuals and families. Bob Gibson, MS, CFP, CFS, CNHP, TCP, is a Registered Principal of, and securities offered through, Foothill Securities, Inc., member FINRA/SIPC. Foothill Securities and Gibson Capital Management are not affiliated companies. Bill Lawver Bill Lawver & Associates 1624 Santa Clara Dr., Ste. 250 Roseville, CA Office: (916) BillLawverTaxFinancial.com Designations: CFP, EA Bill ia a CFP professional, Registered Representative, RIA and Enrolled Agent. He stresses the importance of integrity, competence and trust in building clientadvisor relationships. He has been providing integrated financial and tax services at the same Roseville location since Securities and Investment Advisory offered through Foothill Securities, Inc. Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC. Seth L. Kaplan 300 University Ave., Ste. 200 Sacramento, CA Office: (916) sethkaplanfinancialadvisor.com Sr. Vice President, CFP, CDFA, CFFA Great outcomes done well. Whether delivering traditional financial planning and investment management advice, or specialized financial analyst services for those going through the transition of divorce, that is our goal in all client experiences. Robert W. Baird & Co. Member SIPC. Christeen Reeg Fivl al Five ofes 1130 Iron Point Rd., Ste. 100 Folsom, CA Office: (916) Title: Senior Financial Advisor My mission is to plan and implement a diversified investment strategy, so my clients can enjoy the rest of their lives. Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors Financial Network, LLC, Member SIPC, is a registered broker-dealer and separate nonbank affiliate of Wells Fargo & Company. [CAR ]. K. Randall Alston Foothill Securities 2775 Cottage Way, Ste. 20 Sacramento, CA Phone: (916) Mr. Alston is a registered principal and shareholder of Foothill Securities, Inc. Randy has been serving his clients since his arrival in Sacramento in Independent of Foothill Securities, Inc., Randy also owns and operates Arden Tax Services as a licensed tax preparer. The CLU designation, the highest in the life insurance industry, is also part of Randy s resume. Foothill Securities, Inc. is a Registered Broker Dealer and Investment Advisor. Member FINRA & SIPC. Mary Kobane 400 Capitol Mall, Ste Sacramento, CA Office: (916) Toll-free: (800) Title: Vice President Investments Focusing on you, your family and your dreams. Genuine client care and concern. Striving to make a positive difference in my clients life. Fully oriented toward your success by creating a personalized investment plan. Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR A]. Paul Rees 620 Coolidge Dr., Ste. 300 Folsom, CA Phone: (916) Toll-free: (800) Senior Vice President - Investments As a Certified Private Wealth Advisor SM, families and individuals hire me to help them grow, preserve, manage and ultimately distribute their wealth. My mission is to provide trusted advice and exceptional service to those I m fortunate to work with. Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR A 1/17/2012]. Five Star award information FS 11
12 W. Alan Silva 2150 River Plaza Dr., Ste. 290 Sacramento, CA Office: (916) ameripriseadvisors.com/ william.a.silva Title: Financial Advisor Designation: CRPC Alan has more than 18 years of experience providing clients ongoing financial planning, investment strategies and retirement income planning. FS 12 Five Star award information: Stephen Smith 416 Auburn Folsom Rd. Auburn, CA Office: (530) Vice President, Financial Advisor We deliver on our mission by developing a comprehensive financial plan through understanding our clients goals, recommending and implementing strategies, and monitoring results to help bring you closer towards your financial goals. o Fivl al Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC Morgan Stanley Smith LLC. Member SIPC. Don t listen to other people. Investigate for yourself. Be wary of wealth managers who say they never had a down year. Five Star award winner Oscar B. Snyder III 967 Reserve Dr. Roseville, CA Office: (916) Designations: AIF, LUTCF Since 1976, Oscar has advised families and businesses on all facets of their financial lives. He is committed to helping people tune out the noise so that they may focus on what s important. Securities offered through LPL Financial, member FINRA/SIPC. Five ofes