Five Star Wealth Managers

Size: px
Start display at page:

Download "Five Star Wealth Managers"

Transcription

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

Five Star Wealth Manager Award

Five Star Wealth Manager Award Five Star Wealth Manager Award Program Summary and Research Methodology (Effective starting with 2012 Awards) Revised March 19, 2013 Five Star Professional 2117 Cliff Drive Eagan, MN 55122 1-888-438-5782

More information

G. Schroeder, CIMA Vice President Financial Advisor 601 Union Street, Suite 5200 Seattle, WA 98101 1-206-628-4855

G. Schroeder, CIMA Vice President Financial Advisor 601 Union Street, Suite 5200 Seattle, WA 98101 1-206-628-4855 G. Schroeder, CIMA Vice President Financial Advisor 601 Union Street, Suite 5200 Seattle, WA 98101 1-206-628-4855 G. Schroeder, Financial Advisor at Morgan Stanley As the financial world becomes more complex

More information

Five Star Wealth Manager Award

Five Star Wealth Manager Award Five Star Wealth Manager Award Program Summary and Research Methodology (Effective starting with 2014 Awards) Five Star Professional 2900 Lone Oak Parkway, Suite 120 Eagan, MN 55121 1 888 438 5782 0 Five

More information

Professional Advisors

Professional Advisors Professional Advisors Attorneys Judith Carlson Carlson2@colorado.net Ron Carlson Ron@ccdlawyers.com Paul Dunkelman paul@ccdlawyers.com Practice Areas: Estate Planning, Wills and Trusts, Probate, Civil

More information

The Meritage Group at Morgan Stanley. Our Signature Blend of Financial Services

The Meritage Group at Morgan Stanley. Our Signature Blend of Financial Services The Meritage Group at Morgan Stanley Our Signature Blend of Financial Services 250 S PARK AVE STE 500, WINTER PARK, FL 32789 407-740-4984 / MAIN 800-829-5105 / TOLL-FREE www.morganstanley.com/fa/meritagegroup

More information

The California Delta Group at Morgan Stanley Smith Barney....managing change

The California Delta Group at Morgan Stanley Smith Barney....managing change The California Delta Group at Morgan Stanley Smith Barney...managing change Delta is the symbol for change... The California Delta Group at Morgan Stanley Smith Barney looks forward to helping our clients

More information

Five Star Professional. Financial Services Professionals

Five Star Professional. Financial Services Professionals Five Star Professional Financial Services Professionals Program Summary and Research Methodology August 28, 2014 Five Star Professional 2900 Lone Oak Parkway Eagan, MN 55121 1-888-438-5782 Five Star Financial

More information

Johnson & Gilliss Wealth Management Group

Johnson & Gilliss Wealth Management Group Johnson & Gilliss Wealth Management Group Engagement Proposal Prepared by: J. Michael Johnson, CLU E. Neil Gilliss, MBA, CFP 107 South 1st Street Richmond, VA 23219 804-788-1011 michael@johnsonandgilliss.com

More information

About David B. Root, Jr.

About David B. Root, Jr. About David B. Root, Jr. David B. Root, Jr., CFP, AIF Chief Executive Officer D.B. Root & Company, Inc. A financial professional for 30 years, David Root heads a team of independent advisors who combine

More information

30 Questions to Ask When Choosing a Financial Planner

30 Questions to Ask When Choosing a Financial Planner 30 Questions to Ask When Choosing a Financial Planner Prepared by George Salter, JD, MBA, CFP James E. Salter, MBA P.O. Box 125 P.O. Box 125 Alamo, CA 94507 Alamo, CA 94507 george@blossomwm.com james@blossomwm.com

More information

Dallas Office 14214 Dallas Parkway Suite 1100 Dallas, TX 75254-2961 972.702.8262

Dallas Office 14214 Dallas Parkway Suite 1100 Dallas, TX 75254-2961 972.702.8262 October 1, 2013 Dallas Office 14214 Dallas Parkway Suite 1100 Dallas, TX 75254-2961 972.702.8262 Little Rock Office 400 W. Capitol Avenue Little Rock, AR 72203-3217 501.375.5200 www.bkdwa.com Advisors

More information

Guarneri Kabot Bollag. & Associates

Guarneri Kabot Bollag. & Associates Guarneri Kabot Bollag & Associates Our values Client trust is essential. Every member of our team is dedicated to helping clients reach their goals. When everyone shares the same vision and works toward

More information

The Peachtree Group at Morgan Stanley

The Peachtree Group at Morgan Stanley The Peachtree Group at Morgan Stanley 3280 PEACHTREE RD NE SUITE 1900 ATLANTA, GA 30305 404-266-6390 / MAIN 877-386-5767 / TOLL-FREE 404-601-5471 / FAX http://fa.smithbarney.com/thepeachtreegroupsb/ index.htm

More information

One Point Wealth Management Group at Morgan Stanley

One Point Wealth Management Group at Morgan Stanley 2 SERVICES 4 PROCESS 6 INVESTMENTS One Point Wealth Management Group at Morgan Stanley 227 West Monroe Street Suite 3400, Chicago, Illinois 60606 312-648-3512 / andrew griffo 312-648-3410 / alan GUERNSEY

More information

The Professionals of Charles Schwab Bank s Personal Trust Services Division

The Professionals of Charles Schwab Bank s Personal Trust Services Division The Professionals of Charles Schwab Bank s Personal Trust Services Division With Administrative Trustee Services from the Personal Trust Services Division 1 of Charles Schwab Bank, you benefit from the

More information

FOCUSED ON YOUR INVESTMENTS YOUR FUTURE YOU

FOCUSED ON YOUR INVESTMENTS YOUR FUTURE YOU FOCUSED ON YOUR INVESTMENTS YOUR FUTURE YOU Table of Contents Harrington Capital Management, LLC is a branch office of and Securities offered through WFG Investments, Inc., member FINRA & SIPC. Investment

More information

Satovsky Asset Management, LLC

Satovsky Asset Management, LLC Satovsky Asset Management, LLC Form ADV - Part 2B Brochure Supplements Satovsky Asset Management, LLC 232 Madison Avenue, Suite 400 New York, New York 10016 212-584-1900 www.satovsky.com January 2014 Brochure

More information

Notice Regarding Restrictions on Advertisement of the Five Star Wealth Manager: Best in Client Satisfaction and Five Star Wealth Manager Awards

Notice Regarding Restrictions on Advertisement of the Five Star Wealth Manager: Best in Client Satisfaction and Five Star Wealth Manager Awards STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION P.O. Box 9033 Olympia, Washington 98507-9033 Telephone (360) 902-8760 TDD (360) 664-8126 FAX (360) 902-0524 Web Site: www.dfi.wa.gov/sd

More information

Council Rock Status Update

Council Rock Status Update Council Rock Status Update 10/22/2015 74 W. Broad Street, Suite 340, Bethlehem, PA 18018 www.cornerstone-companies.com Organizational Background www.cornerstone-companies.com 3 Who We Are We are a privately

More information

How to Evaluate An Investment Advisor

How to Evaluate An Investment Advisor Key Questions to Ask an Investment Advisor Specially Prepared for Continental Airlines Pilots Nearing Retirement You have built a substantial retirement nest egg over the years. Soon, you can relax and

More information

The Rooney Blomberg Group at Morgan Stanley Smith Barney. managing your wealth, growing our relationship

The Rooney Blomberg Group at Morgan Stanley Smith Barney. managing your wealth, growing our relationship The Rooney Blomberg Group at Morgan Stanley Smith Barney managing your wealth, growing our relationship The Rooney Blomberg Group is committed to building long term relationships, providing high quality

More information

The RGL Group at Morgan Stanley: Working With You 2015

The RGL Group at Morgan Stanley: Working With You 2015 The RGL Group at Morgan Stanley: Working With You 2015 Robert M. Ryan CFP, CIMA, CPWA Senior Vice President Wealth Advisor Senior Portfolio Manager FIVE STAR Wealth Manager recipient 2014 Craig A. Lewis

More information

Jason M. Judge. Financial Planning Specialist Vice President - Wealth Management Financial Advisor

Jason M. Judge. Financial Planning Specialist Vice President - Wealth Management Financial Advisor Jason M. Judge Financial Planning Specialist Vice President - Wealth Management Financial Advisor 13625 California Street Suite 400, Omaha, NE 68154 402-399-6354 / MAIN 800-228-3309 / TOLL-FREE 402-399-6336

More information

The Scott Group at Morgan Stanley Smith Barney

The Scott Group at Morgan Stanley Smith Barney The Scott Group at Morgan Stanley Smith Barney Our Mission We are wealth management advisors and consultants assisting our clients in planning and implementing a diverse range of financial planning strategies.

More information

GUIDING YOU TOWARD FINANCIAL INDEPENDENCE WITH HONESTY, CARE AND RESPECT.

GUIDING YOU TOWARD FINANCIAL INDEPENDENCE WITH HONESTY, CARE AND RESPECT. GUIDING YOU TOWARD FINANCIAL INDEPENDENCE WITH HONESTY, CARE AND RESPECT. Personal Service. Proactive Guidance. Financial Development Systems, LLC, is committed to being your long-term partner, helping

More information

The Hoelzel Jacobson Hare Group at Morgan Stanley Smith Barney

The Hoelzel Jacobson Hare Group at Morgan Stanley Smith Barney The Hoelzel Jacobson Hare Group at Morgan Stanley Smith Barney 15260 Ventura Blvd. Suite 1900, Sherman Oaks, CA 91403 818-382-5780 / MAIN 800-237-4821 / TOLL-FREE 818-382-5768 / FAX fa.smithbarney.com/hoelzeljacobsonharegroup/

More information

John P. Higginbotham. Senior Vice President Wealth Management Senior Investment Management Consultant Financial Planning Specialist

John P. Higginbotham. Senior Vice President Wealth Management Senior Investment Management Consultant Financial Planning Specialist John P. Higginbotham Senior Vice President Wealth Management Senior Investment Management Consultant Financial Planning Specialist My Mission To provide comprehensive financial services through prudent

More information

Lincoln Financial Advisors

Lincoln Financial Advisors Lincoln Financial Advisors A Commitment to Excellence A promise to listen When you retain Lincoln Financial Advisors, you benefit from personal service and our extensive financial experience. We take the

More information

INVESTMENT COMPANIES

INVESTMENT COMPANIES INVESTMENT COMPANIES RSA 31:25-d states: The trustees of trust funds may manage and invest such funds in accordance with the prudent investor rule under RSA 564-B:9-901--RSA 564-B:9-906 without regard

More information

LJPR Financial Advisors. 4555 Investment Drive. Troy, MI 48098 (248) 641-7400. leon.labrecque@ljpr.com. August 11, 2015

LJPR Financial Advisors. 4555 Investment Drive. Troy, MI 48098 (248) 641-7400. leon.labrecque@ljpr.com. August 11, 2015 Item 1 Cover Page Leon C. LaBrecque, JD, CPA, CFP, CFA LJPR Financial Advisors 4555 Investment Drive Troy, MI 48098 (248) 641-7400 leon.labrecque@ljpr.com August 11, 2015 This Brochure Supplement provides

More information

Investing in More Objective Advice. A Guide to Working With an Independent Registered Investment Advisor

Investing in More Objective Advice. A Guide to Working With an Independent Registered Investment Advisor Investing in More Objective Advice A Guide to Working With an Independent Registered Investment Advisor Compliments of Introduction Forty-six percent of wealthy households now use an independent advisory

More information

Five Star Professional Accounting and Estate Planning Program

Five Star Professional Accounting and Estate Planning Program Five Star Professional Accounting and Estate Planning Program Five Star Certified Public Accountant Award Program Summary and Research Methodology Five Star Professional 2900 Lone Oak Parkway, Suite 120

More information

Imagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning

Imagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning Imagine Your Future Set YourGoals Chart Your Course The Importance of Financial Planning Ask yourself these questions: Financial Planning Provides Direction and Discipline It s important to know where

More information

Ferguson & Associates

Ferguson & Associates Ferguson & Associates Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation (BofA

More information

How do I choose the right advisor?

How do I choose the right advisor? Discover the difference with a Registered Investment Advisor. How do I choose the right advisor? Important questions to ask before you hire an investment advisor. This content is made available by Charles

More information

Choosing and Evaluating Financial Professionals

Choosing and Evaluating Financial Professionals Milestone Financial Group David Hunt, CFP Financial Advisor 205-D Plaza Drive Greenville, NC 27858 252-756-7005 TF 877.706.7005 dave@milestonefinancialgroup.com Choosing and Evaluating Financial Professionals

More information

Five Star Professional Accounting and Estate Planning Program Five Star Estate Planning Attorney Award Program Summary and Research Methodology

Five Star Professional Accounting and Estate Planning Program Five Star Estate Planning Attorney Award Program Summary and Research Methodology Five Star Professional Accounting and Estate Planning Program Five Star Estate Planning Attorney Award Program Summary and Research Methodology Five Star Professional 2900 Lone Oak Parkway, Suite 120 Eagan,

More information

Solutions and resources to help you meet your financial goals.

Solutions and resources to help you meet your financial goals. Solutions and resources to help you meet your financial goals. Your Dreams You have dreams for your future that require a well thought-out, holistic financial strategy. + dreams Your Financial Advisor

More information

www.waltlunsfordgroup.com

www.waltlunsfordgroup.com www.waltlunsfordgroup.com THE WALT LUNSFORD GROUP Our Team Walt Lunsford, AAMS Senior Vice President, Investments Direct: 513-786-7840 Walt.Lunsford@raymondjames.com WaltLunsfordGroup.com Tim Recker, AAMS

More information

Part 2B of Form ADV SEC Firm Brochure Supplement

Part 2B of Form ADV SEC Firm Brochure Supplement Part 2B of Form ADV SEC Firm Brochure Supplement (for Direct Clients) Professional Backgrounds of: Greg Miller, CPA (CEO, Principal) Darlene M. Murphy, CPA, CFP (President, Principal) Michael D. Miller

More information

Vintage Financial Services, LLC. 101 North Main Street, Suite 800. Ann Arbor, MI 48104 (734) 668 4040. www.vintagefs.com

Vintage Financial Services, LLC. 101 North Main Street, Suite 800. Ann Arbor, MI 48104 (734) 668 4040. www.vintagefs.com Vintage Financial Services, LLC 101 North Main Street, Suite 800 Ann Arbor, MI 48104 (734) 668 4040 www.vintagefs.com E mail: Succeed@VintageFS.com Brochure dated January 27, 2015 This brochure updates

More information

TRUST INTEGRITY SERVICE

TRUST INTEGRITY SERVICE TRUST INTEGRITY SERVICE Nothing is more important to us than maintaining the trust that exists between client and advisor. Christopher Rand, MSFS, CFP, AIF, CLU Partner Personal CFO Built on a Foundation

More information

Bruce R. Butler, CFP Executive Financial Services Director Senior Vice President - Wealth Management

Bruce R. Butler, CFP Executive Financial Services Director Senior Vice President - Wealth Management Bruce R. Butler, CFP Executive Financial Services Director Senior Vice President - Wealth Management 227 West Monroe Street Suite 3400, Chicago, IL 60606 312-917-7416 / MAIN 800-334-2446 / TOLL-FREE 312-648-3344

More information

THE MCS GROUP at Morgan Stanley. Money. Life. Family. Business. All Connected.

THE MCS GROUP at Morgan Stanley. Money. Life. Family. Business. All Connected. THE MCS GROUP at Morgan Stanley Money. Life. Family. Business. All Connected. 4890 W. KENNEDY BLVD. SUITE 700, TAMPA, FL 33609 813-286-5660 / MAIN 800-326-4662 / TOLL-FREE 813-286-4322 / FAX www.morganstanleyfa.com/themcsgroup

More information

Dallas Office 14214 Dallas Parkway Suite 1100 Dallas, TX 75254-2961 972.702.8262

Dallas Office 14214 Dallas Parkway Suite 1100 Dallas, TX 75254-2961 972.702.8262 January 25, 2013 Dallas Office 14214 Dallas Parkway Suite 1100 Dallas, TX 75254-2961 972.702.8262 Little Rock Office 400 W. Capitol Avenue Little Rock, AR 72203-3217 501.375.5200 www.bkdwa.com Advisors

More information

The journey to financial well-being starts with you.

The journey to financial well-being starts with you. TIAA-CREF Private Asset Management The journey to financial well-being starts with you. And the people you trust. What are your financial goals? What does financial well-being mean to you? What do you

More information

Form ADV Part 2A (Firm Brochure) HORAN Wealth Management 4990 East Galbraith Road Cincinnati, OH 45236 513.745.0707 www.horanassoc.

Form ADV Part 2A (Firm Brochure) HORAN Wealth Management 4990 East Galbraith Road Cincinnati, OH 45236 513.745.0707 www.horanassoc. Form ADV Part 2A (Firm Brochure) HORAN Wealth Management 4990 East Galbraith Road Cincinnati, OH 45236 513.745.0707 www.horanassoc.com January 1, 2016 This document provides information about the qualifications

More information

Die cut with 2mm rounded corners

Die cut with 2mm rounded corners The Ameriprise Financial Story We are, and have been for over a century, a company on a mission. Our advisors help clients achieve their financial goals through personal financial planning and advice.

More information

KBB Wealth Management

KBB Wealth Management KBB Wealth Management KBB Wealth Management Todd C. Kelly, CFP, CIMA Senior Vice President Sr. Investment Management Consultant Matt J. Bridge, CFP Senior Vice President Sr. Investment Management Consultant

More information

WHO IS HD VEST? SUPPORTING ADVISORS WHO SUPPORT YOU

WHO IS HD VEST? SUPPORTING ADVISORS WHO SUPPORT YOU WHO IS HD VEST? SUPPORTING ADVISORS WHO SUPPORT YOU HD VEST A QUIET BRAND WITH A BIG PRESENCE For the last 30 years of our firm s history, our sole purpose has been to support independent Advisors providing

More information

JASON M FOLSOM. 5103 Utica Ridge Rd Davenport, IA 52807-0000 563-383-0850. Princor Financial Services Corporation

JASON M FOLSOM. 5103 Utica Ridge Rd Davenport, IA 52807-0000 563-383-0850. Princor Financial Services Corporation JASON M FOLSOM 5103 Utica Ridge Rd Davenport, IA 52807-0000 563-383-0850 Princor Financial Services Corporation 650 8th Street Des Moines, IA 50392 (888)-774-6267 July 27, 2011 This Brochure Supplement

More information

Nicole Dickerson, CRPC. Financial Advisor Chartered Retirement Planning Counselor

Nicole Dickerson, CRPC. Financial Advisor Chartered Retirement Planning Counselor Nicole Dickerson, CRPC Financial Advisor Chartered Retirement Planning Counselor 335 N. Maple Drive Suite 150 Beverly Hills, CA 90210 310-285-5665 / MAIN 800-669-4866 / TOLL-FREE 310-859-7245 / FAX http://fa.morganstanleyindividual.c

More information

Your future. Our focus. Financial planning services program for American Association of Physician Specialists, Inc. (AAPS) Members

Your future. Our focus. Financial planning services program for American Association of Physician Specialists, Inc. (AAPS) Members Your future. Our focus. Financial planning services program for American Association of Physician Specialists, Inc. (AAPS) Members Pursue your goals with confidence As a member of American Association

More information

The Korbell Group at Morgan Stanley Smith Barney. Managing Your Wealth Growing Our Relationship

The Korbell Group at Morgan Stanley Smith Barney. Managing Your Wealth Growing Our Relationship The Korbell Group at Morgan Stanley Smith Barney Managing Your Wealth Growing Our Relationship By combining the experience and skills of the Korbell Group at Morgan Stanley Smith Barney, we deliver tailored

More information

Douglas W. Jones Associates Financial & Insurance Services, Inc. 26477 Rancho Parkway South Lake Forest, California 92630

Douglas W. Jones Associates Financial & Insurance Services, Inc. 26477 Rancho Parkway South Lake Forest, California 92630 Douglas W. Jones Associates Financial & Insurance Services, Inc. 26477 Rancho Parkway South Lake Forest, California 92630 Phone: 949-699-1660 Fax: 949-699-1069 Web Site: www.jonesfinancial.com February

More information

Financial Security by Design

Financial Security by Design Peter James Lingane, EA, CFP Financial Security by Design 852 Acampo Drive Lafayette, CA 94549 925.299.0472 or peter@lingane.com www.lingane.com/tax March 26, 2015 This brochure provides information about

More information

Additional information about Ostrofe Financial Consultants, Inc. is also available on the SEC s website at www.adviserinfo.sec.gov.

Additional information about Ostrofe Financial Consultants, Inc. is also available on the SEC s website at www.adviserinfo.sec.gov. Ostrofe Financial Consultants, Inc. Allen Ostrofe 565 Brunswick Road, Suite 15 Grass Valley, CA 95945 530-273-4425 www.ostrofefinancial.com June 30, 2011 This Brochure provides information about the qualifications

More information

JAMES HERBERT FORCELLA

JAMES HERBERT FORCELLA JAMES HERBERT FORCELLA 1600 Victor Ave. Redding, CA 96003 530-222-6301 LPL Financial LLC 75 State Street, 24th Floor Boston, MA 02109 800-558-7567 July 15, 2013 This brochure supplement provides information

More information

Financial Professional Terms: What They Mean and Why You Should Care

Financial Professional Terms: What They Mean and Why You Should Care Financial Professional Terms: What They Mean and Why You Should Care By Harold Evensky and William Reichenstein Broker, registered investment advisor, financial planner, insurance agent, investment advisor,

More information

Personal Financial Planning Certificate Program

Personal Financial Planning Certificate Program Finance Personal Financial Planning Certificate Program n Curriculum satisfies the CFP Board s education requirement to sit for the CFP Certification Examination n Program available online and on campus

More information

VERDE WEALTH GROUP, LLC

VERDE WEALTH GROUP, LLC VERDE WEALTH GROUP, LLC 2323 S. Shepherd Dr. Suite 845 Houston, TX 77019 www.verdewealthgroup.com This brochure provides information about the qualifications and business practices of Verde Wealth Group,

More information

San Francisco Office 461 Second Street, #151 San Francisco, CA 94107 (415) 926-7200

San Francisco Office 461 Second Street, #151 San Francisco, CA 94107 (415) 926-7200 Part 2B of Form ADV: Brochure Supplement 3/30/2012 461 Second Street, #151 (415) 926-7200 Sacramento Office 6929 Sunrise Boulevard, #109 Citrus Heights, CA 95610 (926) 721-1400 Oregon Office 520 Terrace

More information

Wealth Management Built on Integrity and Experience

Wealth Management Built on Integrity and Experience Wealth Management Built on Integrity and Experience How Successful Portfolios Can Help You Prepared March 1, 2011 www.successfulportfolios.com 300 South Duncan Avenue, Suite 166 Clearwater, FL 33755 (800)

More information

Steven M. Swann, CFP. Senior Portfolio Manager Senior Vice President Financial Advisor

Steven M. Swann, CFP. Senior Portfolio Manager Senior Vice President Financial Advisor Steven M. Swann, CFP Senior Portfolio Manager Senior Vice President Financial Advisor 729 Southwest Federal Highway Suite 300, Stuart, Florida 34994 772-283-7170 / MAIN 800-325-0038 / TOLL-FREE www.fa.smithbarney.com/

More information

William R. Verhagen CFP, CPA, CFS, CLU, ChFC, CASL. 357 East Winslow Road Bloomington, IN 47401 812-337-1999. www.ioms.com.

William R. Verhagen CFP, CPA, CFS, CLU, ChFC, CASL. 357 East Winslow Road Bloomington, IN 47401 812-337-1999. www.ioms.com. Item 1 Cover Page William R. Verhagen CFP, CPA, CFS, CLU, ChFC, CASL 357 East Winslow Road Bloomington, IN 47401 812-337-1999 www.ioms.com January 1, 2015 This Brochure provides information about the qualifications

More information

Steven has been recognized and featured as one of 2010 Barron Magazine s Top 1,000 Financial Advisors in the Country.

Steven has been recognized and featured as one of 2010 Barron Magazine s Top 1,000 Financial Advisors in the Country. As a fully licensed professional for more than 20 years, Steven began his career in the financial services industry as a financial advisor at Smith Barney. In 2004, Steven joined Banc of America Investment

More information

What s a fee-only financial advisor? Steve Juetten, CFP November 7, 2011

What s a fee-only financial advisor? Steve Juetten, CFP November 7, 2011 What s a fee-only financial advisor? Steve Juetten, CFP November 7, 2011 Introduction Someone giving personal financial advice may use a variety of titles: financial adviser, financial consultant, financial

More information

Castle Financial Advisors, LLC Part 2A of Form ADV The Brochure

Castle Financial Advisors, LLC Part 2A of Form ADV The Brochure Castle Financial Advisors, LLC Part 2A of Form ADV The Brochure 145 Marcus Blvd, Suite 1, Hauppauge, NY 11788 www.castlefinancialadvisors.com Updated: March 2011 This brochure provides information about

More information

Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now

Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now At Cleary Gull, we think the best way to find the right investment advisor is to focus on the four Ps: people, philosophy, process

More information

Financial Planning Services & Standards of Care

Financial Planning Services & Standards of Care Financial Planning Services & Standards of Care Presented By: Joseph W. Goetz, Ph.D. Associate Professor Department of Financial Planning, Housing, and Consumer Economics Presentation for FACS Teachers

More information

Droms Strauss Advisors, Inc. Part 2A of Form ADV. Droms Strauss Wealth Management Brochure

Droms Strauss Advisors, Inc. Part 2A of Form ADV. Droms Strauss Wealth Management Brochure Droms Strauss Advisors, Inc. Part 2A of Form ADV Droms Strauss Wealth Management Brochure 501 North Lindbergh Boulevard St. Louis, Missouri 63141 www.droms-strauss.com Updated: March 2015 This brochure

More information

IMPORTANT QUESTIONS YOU SHOULD ASK ABOUT

IMPORTANT QUESTIONS YOU SHOULD ASK ABOUT IMPORTANT QUESTIONS YOU SHOULD ASK ABOUT JAMES KIRBY ACCOUNTANCY CORPORATION JAMES KIRBY ACCOUNTANCY CORPORATION Registered Investment advisor 2601 Saturn Street, Suite 106 Brea, CA 92821 6702 (714) 203

More information

AXA Advisors, LLC. a world of people a world of opportunity

AXA Advisors, LLC. a world of people a world of opportunity AXA Advisors, LLC a world of people a world of opportunity our mission AXA Advisors mission is to attract, select, place and promote individuals based on their qualifications a philosophy that has always

More information

Blakeway & Associates. Wealth Management

Blakeway & Associates. Wealth Management Blakeway & Associates Wealth Management We are committed to Addressing Many Aspects of Your Financial Life. Blakeway & Associates offers clients and their families big picture thinking in a consultative

More information

Harbour Wealth Partners 9850 Westpoint Drive, Suite 300 Indianapolis, IN 46256

Harbour Wealth Partners 9850 Westpoint Drive, Suite 300 Indianapolis, IN 46256 Form ADV Part 2A Harbour Wealth Partners Cover Page Harbour Wealth Partners 9850 Westpoint Drive, Suite 300 Indianapolis, IN 46256 (317) 579 4844 WEBSITE: www.livewellsleepwell.com EMAIL CONTACT: lance.lyday@livewellsleepwell.com

More information

Brian K. Stickney, CFA, CFP

Brian K. Stickney, CFA, CFP Item 1 - Cover Page Brochure Supplement for Brian K. Stickney, CFA, CFP CRD# 2217162 Ironridge Wealth Management, LLC 100 Galleria Parkway Suite 1130 Atlanta, GA 30339 (770) 635-1925 www.ironridgewealth.com

More information

FORM ADV PART 2 Brochure

FORM ADV PART 2 Brochure FORM ADV PART 2 Brochure Guardian Wealth Management, Inc. 311 SW Water Street Suite 210 Peoria, IL 61602 309/692 1460 Email: info@gwmanagers.com Website: www.gwmanagers.com March 31, 2015 This brochure

More information

Bringing You A More Personalized Financial Services Experience.

Bringing You A More Personalized Financial Services Experience. Bringing You A More Personalized Financial Services Experience. Member of FINRA & SIPC, and a Registered Investment Advisor AN ADVISOR-CENTERED CULTURE Founded in 2005, Madison Avenue Securities has redefined

More information

Important Considerations Regarding Wealth Managers

Important Considerations Regarding Wealth Managers Important Considerations Regarding Wealth Managers 362 West Bridge Street, New Hope, PA 18938 200 Harry S. Truman Parkway, Annapolis, MD 21401 With certainty, we can say that in this temporary economic

More information

Original Group Gap Analysis Report

Original Group Gap Analysis Report Original Group Gap Analysis Report Year 11 Levels of Progress Analysis 2014-2015 Spring This document was created using the Transition Matrices Report Generator Copyright Dr Stuart Atkinson - 2014 - All

More information

Financial Advisor Interview Questionnaire

Financial Advisor Interview Questionnaire Financial Advisor Interview Questionnaire Advisor name: Company Name: Cyril S. White White House Financial & Investment Solutions, LLC Date: May 30, 2013 Why did you become a financial advisor? I became

More information

Trust Services Overview

Trust Services Overview Trust Services Overview Independent Wealth Management Advisors PACIFIC PORTFOLIO Two Union Square 601 Union Street, Suite 4343 Seattle, Washington 98101 Phone: (800) 249-6426 Fax: (206) 623-6653 www.pacific-portfolio.com

More information

Item 1: Cover Page Part 2A of Form ADV: Firm Brochure March 2015

Item 1: Cover Page Part 2A of Form ADV: Firm Brochure March 2015 Item 1: Cover Page Part 2A of Form ADV: Firm Brochure March 2015 Website: www.flexscore.com IARD#: 166714 156 2nd Street, 4 th Floor San Francisco, CA 94105 (877) 684-4110 300 Banner Court, Suite 1 Modesto,

More information

Go Independent. The advantages of working with an independent advisor

Go Independent. The advantages of working with an independent advisor Go Independent. The advantages of working with an independent advisor Your financial future is impacted by decisions you make today. Whom you work with to help plan that future may be the most important

More information

COMMERCE BROKERAGE SERVICES, INC. 8000 FORSYTH CLAYTON, MISSOURI 63105 (800) 772-7283. Commerce Horizons. Portfolio Manager Account

COMMERCE BROKERAGE SERVICES, INC. 8000 FORSYTH CLAYTON, MISSOURI 63105 (800) 772-7283. Commerce Horizons. Portfolio Manager Account SEC # 801-66509 COMMERCE BROKERAGE SERVICES, INC. 8000 FORSYTH CLAYTON, MISSOURI 63105 (800) 772-7283 Commerce Horizons Portfolio Manager Account February 2011 THIS BROCHURE PROVIDES CLIENTS WITH INFORMATION

More information

LJPR Financial Advisors. 5480 Corporate Drive, #100. Troy, MI 48098 (248) 641-7400. leon.labrecque@ljpr.com. December 11, 2015

LJPR Financial Advisors. 5480 Corporate Drive, #100. Troy, MI 48098 (248) 641-7400. leon.labrecque@ljpr.com. December 11, 2015 Item 1 Cover Page Leon C. LaBrecque, JD, CPA, CFP, CFA LJPR Financial Advisors 5480 Corporate Drive, #100 Troy, MI 48098 (248) 641-7400 leon.labrecque@ljpr.com December 11, 2015 This Brochure Supplement

More information

What is an Investment Adviser?

What is an Investment Adviser? What is an Investment Adviser? Legal Definition. Investment adviser is a legal term that appears in the Investment Advisers Act of 1940, the federal law that governs investment advisers. Generally, this

More information

Personal Wealth Management

Personal Wealth Management Personal Wealth Management Integrated Wealth Management Multi Generational Wealth Planning Retirement Plan Solutions Personalized Wealth Management AspenCross Financial Group (AFG) personal wealth management

More information

ADV Part 2A Brochure As of November 30, 2015

ADV Part 2A Brochure As of November 30, 2015 ADV Part 2A Brochure As of November 30, 2015 Dodds Wealth Management Group Denver Office: 385 Inverness Parkway, Suite 105 Englewood, CO 80112 Colorado Springs Office: 1155 Kelly Johnson Blvd., Suite 130

More information

IPS RIA, LLC CRD No. 172840

IPS RIA, LLC CRD No. 172840 IPS RIA, LLC CRD No. 172840 ADVISORY CLIENT BROCHURE 10000 N. Central Expressway Suite 1100 Dallas, Texas 75231 O: 214.443.2400 F: 214-443.2424 FORM ADV PART 2A BROCHURE 1/26/2015 This brochure provides

More information

Wealth Management. at Janney Montgomery Scott

Wealth Management. at Janney Montgomery Scott Wealth Management at Janney Montgomery Scott W e a l t h M a n a g e m e n t Janney Montgomery Scott understands that wealth like life is more than just an event. It is an ongoing process of growth and

More information

Partnervest Financial Group

Partnervest Financial Group Partnervest Financial Group COMPANY PROFILE We help Advisors and their clients navigate change in a complex environment 888-991-9969 www.partnervest.com COMPANY PROFILE Partnervest creates strong client

More information

Ea s t m a n. planning. that stands the. Retirement. test of Time. Fin a n c i a l Ma n a g e m e n t

Ea s t m a n. planning. that stands the. Retirement. test of Time. Fin a n c i a l Ma n a g e m e n t Ea s t m a n Fin a n c i a l Ma n a g e m e n t About Us Joel Lorden About Joel lorden Joel E. Lorden is founder and President of Eastman Financial Management, an independent financial, investment management

More information

Plan on reaching your financial goals

Plan on reaching your financial goals Work with a CERTIFIED FINANCIAL PLANNER TM professional Plan on reaching your financial goals Let a CFP professional be your trusted guide As an investor, you have short- and long-term goals you would

More information

The Art of Planning & Science of Investing Financial Services

The Art of Planning & Science of Investing Financial Services EXPERIENCE EIDE BAILLY The Art of Planning & Science of Investing Financial Services Brad Kelley, Principal Director of Financial Services At Eide Bailly, we use a team approach bringing together the talents

More information

The advisor you trust for today s needs and tomorrow s goals.

The advisor you trust for today s needs and tomorrow s goals. The advisor you trust for today s needs and tomorrow s goals. WE DO WHAT S RIGHT FOR OUR CLIENTS NOT WHAT S EASIEST Our clients value a partner they can trust to lead them confidently along the path toward

More information

DO YOU HAVE A SUCCESSION PLAN FOR YOUR BUSINESS?

DO YOU HAVE A SUCCESSION PLAN FOR YOUR BUSINESS? DO YOU HAVE A SUCCESSION PLAN FOR YOUR BUSINESS? SMART SUCCESSION PLANNING IS IMPORTANT TO BOTH YOU AND YOUR CLIENTS. But far too many advisors don t have a clear plan in place. Transitioning your business

More information

2014 Probate Mediator Panel November 14, 2014

2014 Probate Mediator Panel November 14, 2014 2014 Probate Mediator Panel November 14, 2014 NAME, ADDRESS, PHONES, E-MAIL SOURCE OF (Up Ernest Baumberger 8801 Folsom Blvd., Ste. 115 Sacramento, CA 95826 (916) 381-0994 (916) 381-0998 (fax) ebaumberger@sbcglobal.net

More information

Form ADV Part 2B Brochure Supplement Jeffery Dane Brookshire and Graham Stuart Guess

Form ADV Part 2B Brochure Supplement Jeffery Dane Brookshire and Graham Stuart Guess Form ADV Part 2B Brochure Supplement Jeffery Dane Brookshire and Graham Stuart Guess Item 1 Cover Page Jeffery Dane Brookshire and Graham Stuart Guess Pacific Wealth Strategies Group, Inc. 4213 State Street,

More information

Mark Phillips & Associates 19712 MacArthur Blvd., Suite 225 Irvine CA 92612 (949) 333-6394. Interview Questions and Answers as of January 2013

Mark Phillips & Associates 19712 MacArthur Blvd., Suite 225 Irvine CA 92612 (949) 333-6394. Interview Questions and Answers as of January 2013 Mark Phillips & Associates 19712 MacArthur Blvd., Suite 225 Irvine CA 92612 (949) 333-6394 Interview Questions and Answers as of January 2013 Do you have experience in providing advice on the following

More information