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Five Star Wealth Managers
In a consumer study about dynamics between wealth managers and their clients, Five Star Professional recently 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: • 2 9 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.
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? San Diego Magazine and Five Star Professional 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 93 percent.
From research conducted by Five Star Professional, April 2011.
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.
A Select Award
Don’t listen to other people. Investigate for yourself. Be wary of advisers who say they never had a down year.” — Five Star Wealth Manager
The resulting list of 2012 Five Star Wealth Managers is a select group, representing less than 3 percent of the wealth managers in the San Diego 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.
Nomination
To be considered for the Five Star Wealth Manager award, a wealth manager must have been identified through research conducted with peers and firms. Five Star Professional relied on internal and external research data, including a survey to more than 8,500 registered financial services professionals and all identified financial service companies in the area that are registered with FINRA or the SEC. Recipients of the survey were asked to nominate wealth managers they felt were worthy of consideration for the Five Star Wealth Manager award (self-nominations are not accepted).
Process
Five Star award information: fivestarprofessional.com — FS 1
2012 Five Star Wealth Managers
2012 San Diego
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2012 Five Star Wealth Managers
Determination
Of Award Winners
Nominated wealth managers 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 93 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 $87 million in client assets). 9. Number of client households served (on average, this year’s award winners serve 198 households). 10. Education and professional designations.
Research Disclosures
• 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.
2012
The Five Star award goes to less than 7 percent of wealth managers in the area.
Insights from Five Star Wealth Managers
Wishful thinking is not planning. If you plan for the worst, you will never be unpleasantly surprised.”
• 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 Five Star Professional or San Diego 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 Five Star Professional in the future.
• Five Star Professional 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 www.fivestarprofessional.com.
• 1,014 wealth managers in the San Diego area were nominated for the Five Star Wealth Manager award. 284 (approximately 28 percent of those nominated) were named 2012 Five Star Wealth Managers. The 284 award winners represent less than 3 percent of the total wealth managers in the area. (1)
ealth managers were required to certify that any information they provided was accurate. W Criteria 4, 8 and 9 do not apply to attorneys or CPAs. (4) As defined by Five Star Professional, 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 Five Star Professional’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.
Clients don’t care how much you know until they know how much you care.”
Only invest in something that you understand.”
(2) (3)
What matters most is how you recover from setbacks.”
Five Star Professional conducts a regulatory review of each nominated wealth manager using the Investment Adviser Public Disclosure (IAPD) website. Five Star Professional 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 Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history, based upon the criteria listed above. • Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a wealth manager. • Five Star Professional 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. 32,500 households in the San Diego area were contacted.
The Five Star Wealth Manager selection criteria was updated for the 2012 award year. 2005 – 2011 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 2005 – 2011 award winners can be found at www.fivestarprofessional.com/2011/wealth_managers_research_overview.php.
FS 2 — Five Star award information: fivestarprofessional.com
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Business Planning
Keith Eck · Keith Eck Financial & Insurance Services Matthew Fromm · Fromm Investment Management Page 24 Paul Honeycutt · Honeycutt Smith & Associates Page 20
Estate Planning
William Beamer · Beamer Lauth Steinley & Bond
Stacy DenHerder · DenHerder & Associates Clive Essakow · Judkins Glatt & Hulme
Michelle Graham · Luce Forward Hamilton & Scripps
Dawn Hall-Cauthen · Procopio Cory Hargreaves & Savitch
Doak Belt · Innovative Wealth Solutions Page 16 Joel Beyer · Joel Beyer
Tom Gibbings · 20/20 Financial Advisers of San Diego
Jon Beyrer · Blankinship & Foster
Julie Godfrey · Godfrey Financial
Shelley Lee Boyce · Financial Planning Solutions Page 24
Michael Graney · Ameriprise Financial Services, Inc.
Jeanne Bradford-Odorico · Bradford Wealth Management Page 13
Orin Green · Ameriprise Financial Services, Inc.
Philip Bresnick · Morgan Stanley Smith Barney
Philip Harrison · Ameriprise Financial Services, Inc.
David Bretz · Financial Network Investment Corporation
Andrew Hathaway · Ameriprise Financial Services, Inc.
Scott Broberg · Securities America
Alan Holt · Ameriprise Financial Services, Inc.
Suzanne Cadwallader · Ameriprise Financial Services, Inc.
Scott Hood · Merrill Lynch
Steve Carter · Carter Financial Brad Castillo · Merrill Lynch
Julia Cheng · Julia Cheng Wealth Management & Estate Planning Page 24
Jack Reagan · ATS Financial
David Ruyle · Ruyle & Ruyle
Scott Galbraith · Crown Capital Securities
Tamara Huey · Ameriprise Financial Services, Inc. Douglas Jarman · Financial Planning Consultants
John Jenkins · Asset Preservation Strategies
Jeff Christie · Ken Stern & Associates
Timothy Jobe · Morgan Stanley Smith Barney
Bret Cleveland · Morgan Stanley Smith Barney
Karlee Johnson · Charles Schwab
William Sauls · William H. Sauls Attorney at Law
Athena Constant · Ameriprise Financial Services, Inc.
Steven Krogh · LPL Financial
Charles Scott · Kimbal Tirey & St. John
Kathleen Covey · Covey & Covey
David Smedley · Smedley Gallagher & Gee Page 25
Ari Crandall · G.D. Financial Services
Dan Laframboise · DL Wealth Management Group
Robert Crane · Thrivent Financial
Steve Lahre · Morgan Stanley Smith Barney
David Daubenspeck · LPL Financial
Joseph LeBlanc · LeBlanc Financial Planning
Troy Daum · Wealth Analytics
Michael Lincoln · Lincoln Capital
Mary Dean · Dean Consulting & Associates
Kristopher Lindley · LPL Financial
Joseph DeFalco · Ameriprise Financial Services, Inc.
James Lingelbach · MetLife
Margaret Sandke · Law Offices of Margaret Tami Sandke
Robert Smykowski · Law Office
Michele Tutoli · Armstrong Fisch & Tutoli Financial Group Page 8 Joan Walsh · Foster Walsh
Joel Weissler · Weissler Law Group Ellen Whelan · DLA Piper
Nathan Labiak · Merrill Lynch
Raymond Dexter · LPL Financial
Financial Planning
Curt DiGiacomo · Morgan Stanley Smith Barney
Page 19
John Lohrenz · JKL Wealth Management Peggy Lombardo · The Financial Team
John Marc Lord · Comprehensive Financial Group
Tyler Abney · LPL Financial
Jonathan Doering · Thrivent Financial
Marie Accunzo · Ameriprise Financial Services, Inc.
Michael Donohue · Donohue Wealth Management Page 13
David Lu · Morgan Stanley Smith Barney Page 21
Gina Alkire · Ameriprise Financial Services, Inc.
Jack Dugan · Pure Financial Advisors
Derek Anthony · Charles Schwab
Peter Falk · Lincoln Financial Advisors
Raymond Lucia, Jr. · RJL Wealth Management Page 6
Brett Atkinson · Ameriprise Financial Services, Inc.
Zachary Fielder · Sentry Financial Partners
Gregory Banner · Asset Preservation Strategies Mark Barker · Financial Life Concepts Matthew Barnhart · MetLife
Page 22
Dale Beed · Morgan Stanley Smith Barney Page 10
Page 18
Jeff Fink · Morgan Stanley Smith Barney
Dan Foster · The AIM Financial Consulting Group Leah Frederick · Frederick & Associates/ Ameriprise Financial Services, Inc. Justin Frisco · Principal Financial Group
Kyle Malmstrom · Centara Capital
William McColl · Morgan Stanley Smith Barney Brian McLean · Infinity Financial & Insurance Services Patrick McNaughton · McNaughton & Smith/ Ameriprise Financial Services, Inc. Shari Miller · LPL Financial
Five Star award information: fivestarprofessional.com — FS 3
2012 Five Star Wealth Managers
List compiled by Five Star Professional. Award winners listed by primary services.
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2012 Five Star Wealth Managers
List compiled by Five Star Professional. Award winners listed by primary services.
Glenda Moehlenpah · Financial Bridges
Jeffrey Todd · Todd Financial Group
Michael Callahan · Merrill Lynch
David Moran · AXA Advisors
Donald Van Dyke · MetLife
Chris Campion · Edward Jones
Tari Nagel · Ameriprise Financial Services, Inc.
Maureen Verduyn · The Financial Team
James Carey · Wedbush Securities
Paul Neves · FSI Wealth Management
Jodi Vleck · Raymond James Financial Services
Kurt Cecconi · Principal Financial Group
Kelly Newell · Sentry Financial Partners
Ginita Wall · Ginita Wall, CPA
Allen Chan · Edward Jones
Rodrigo Oliva · Ameriprise Financial Services, Inc.
Ashley Walters · Ameriprise Financial Services, Inc.
Bill Chenoweth · Hokanson Associates
Gregory Overland · Ameriprise Financial Services, Inc.
Joan Weiss · Sagemark Consulting
Douglas Cochran · Morgan Stanley Smith Barney Page 11
James Whitener · LPL Financial
John Condos · Morgan Stanley Smith Barney
Edward Williams · Eagle Strategies
Ken Corlett · Millennium Wealth Management Page 24
David Owens · Independent Financial Group
Larry Palmer · 20/20 Financial Advisers of San Diego John Peelle · Peelle Financial Services
Brian Wilverding · Ameriprise Financial Services, Inc.
Stephen Cota · Reliance Financial Services
Jay Wurtzler · Capital Growth
Daniel Crotta · Morgan Stanley Smith Barney
Michael Zepeda, Jr. · MML Investors
Tim Cusick · Wells Fargo Advisors, LLC
Brian Zimmerman · Liberty Partners Financial Services Page 25
Clark DeArmond · Independent Wealth Management
Insurance
Robert Dermody · Wells Fargo Advisors, LLC
Brian Ferguson · Ferguson McClure & Associates Page 18
Dale Doorly · Morgan Stanley Smith Barney
Lori Robinson · Morgan Stanley Smith Barney
Traci Havey · Wealth & Wisdom Financial & Insurance Services Page 16
Michael Rohling · Pacific Crest Global Wealth Management
Lilly Emerson · Morgan Stanley Smith Barney Page 22
Brian Samuels · Highland Capital Financial Consulting
Kent Engdahl · Morgan Stanley Smith Barney
Michael Shanahan · Overland & Shanahan
Carolyn Taylor · Morris Polich & Purdy
Martin Shapiro · Martin Shapiro Insurance and Financial Services
Investments
Josephine Pemberton · Pemberton Financial & Insurance Services Christopher Phelps · Financial Life Concepts
James Pierik · Financial Planning Consultants Ryan Ponsford · Crosswind Strategies
Christopher Rand · Strategic Wealth Associates Page 25
Eric Simms · Ameriprise Financial Services, Inc. Rodney Simms · Ameriprise Financial Services, Inc. Philip Smith · Ameriprise Financial Services, Inc. Michael Sorenson · LPL Financial
Danielle Stanton · Danielle DeMarce Stanton & Associates Page 25 Bryan Stebel · Stebel Financial Group
Page 15
W. Gary Stemple · PlanForTomorrow
Joshua Stipcich · Market Pulse Wealth Management
John Agostino · Wells Fargo Advisors, LLC Page 24
Michael Andreotti · Wells Fargo Advisors, LLC Lawrence Andrews, Jr. · RBC Wealth Management Page 17
J. Samuel Armstrong · Wells Fargo Advisors, LLC Page 9
Kevin Dyerly · Wells Fargo Advisors, LLC
John Eves · Merrill Lynch
Toby Ferner · Wells Fargo Advisors, LLC Christopher Ficara · Merrill Lynch John Fieberg, Jr. · Edward Jones
Dax Fletcher · Morgan Stanley Smith Barney Page 24 James Flickinger · LPL Financial
Gregory Flynn · Wells Fargo Advisors, LLC Blake Foster · Wells Fargo Advisors, LLC
Candace Bahr · Bahr Investment Group
George Foster · Wells Fargo Advisors, LLC
Byron Bailey · Stifel & Nicolaus
Jim Freeman · Financial Alternatives
William Beamer · Dowling & Yahnke
Richard French · Morgan Stanley Smith Barney Page 20
William Bengen · Bengen Financial Services Ryan Bowers · Enviso Capital
Michael Funtas · Edward Jones
Sylvia Geffen · Wells Fargo Advisors, LLC
John Tanner · Ameriprise Financial Services, Inc.
David C. Brandt · Ameriprise Financial Services, Inc.
Ray Taraz · Ameriprise Financial Services, Inc.
Douglas Brandt · Merrill Lynch
Justine Girard · Wells Fargo Advisors, LLC
Chad Taylor · Morgan Stanley Smith Barney Page 17
Kimberley Brickey-Cyr · Morgan Stanley Smith Barney
David Gotz · Southwest Securities
Dustin Ten-Broeck · Centara Capital
Frederick Brooks · Blankinship & Foster
FS 4 — Five Star award information: fivestarprofessional.com
John Giokaris · Wells Fargo Advisors, LLC
Bryan Gust · LPL Financial
Robert Halligan II · LPL Financial
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Hayley Higgins · Wells Fargo Advisors, LLC
Douglas Peart · Wells Fargo Advisors, LLC
Jeffrey Tadder · Wells Fargo Advisors, LLC
Joris Hitt · Morgan Stanley Smith Barney Page 22
Dean Pfremmer · Morgan Stanley Smith Barney
David Tam · Edward Jones
David Phelps · Wedbush Securities
Tom Tate · Wells Fargo Advisors, LLC
Elizabeth Pille · Morgan Stanley Smith Barney
Carolyn Taylor · Weatherly Asset Management
Jeff Platt · Harrison - de Charon
Gayle Tejada · Wells Fargo Advisors, LLC
Lawrence Potomac · Financial Insight Corporation
Paul Temby · Dowling & Yahnke
Neil Hokanson · Hokanson Associates Candise Holmlund · Weatherly Asset Management Stella Hui · Charles Schwab
Mark Hyma · PFS Wealth Advisors
Paul Hynes · HearthStone Private Wealth Management
Wilfredo Racelis · Foresters Equity Services Page 23
Randall Iwai · Morgan Stanley Smith Barney
Richard Radigan · Wells Fargo Advisors, LLC Page 14
Derryck Jones · Wells Fargo Advisors, LLC
Kevin Rainosek · Edward Jones
Patrick Kearney · Wells Fargo Advisors, LLC Page 24
Bruce Rawdin-Baron · Rawdin-Baron Financial
James Kuntz · Pacific Wealth Management Scott Kyle · Coastwise Capital Group
Randolph Richmond · Crosswind Strategies Page 12
Donald Ritley · Ameriprise Financial Services, Inc.
Jeffrey LaBerge · Enviso Capital
Jason Labrum · Labrum Capital Advisors Page 23
Mark Robbins · Wells Fargo Advisors, LLC
Sheryl Rowling · Moss Adams Wealth Advisors
Suzanne LaTour · Merrill Lynch
Leo Schad · RBC Wealth Management
Courtney Liddy · Merrill Lynch
Anna Scherer · Wells Fargo Advisors, LLC
Nico March · Wells Fargo Advisors, LLC
Eric Schindler · Schindler Wealth Management
Bart Martinez · Wells Fargo Advisors, LLC
James Schwager · Ameriprise Financial Services, Inc.
Michael A. Mays · Wells Fargo Advisors, LLC Page 24
Page 25
Peter Thoms · Orion Capital Management
Nancy Tuininga · Wells Fargo Advisors, LLC Brendan Van Cleve · Ken Stern & Associates Linda Vigil · Merrill Lynch
Mark Walton · Morgan Stanley Smith Barney Page 22 Craig Weaver · Morgan Stanley Smith Barney
John Weinstein · Morgan Stanley Smith Barney Schuyler White · Wells Fargo Advisors, LLC Barbara Williams · Financial Focus
Susan Williams · Wells Fargo Advisors, LLC Dale Yahnke · Dowling & Yahnke
Taxation
Jesse Burack · Burack & Company
Rob Butterfield · Butterfield Schechter Daniel Dubina · Dubina & Lee, CPAs
Marc Seward · Enviso Capital
Dan Gatto · Gatto Pope & Walwick
Gregg Shallan · Wells Fargo Advisors, LLC
Gary Kornfeld · Kornfeld and Levy, CPAs
John McKean · Edward Jones
John Shelton · Multi-Financial Securities Corporation
Salvatore LaManna · LaManna & LaManna, CPAs
Chip Messenger · LPL Financial
Jean Sinclair · Avenue Advisors
Toni Leadingham · Toni M. Leadingham, CPA
E. Scott Miller · Wells Fargo Advisors, LLC Page 24
Bradley Sissons · Edward Jones
Robert Ludwig · Larson Ludwig & Stokes
Christine Skoczek · Skoczek & Associates Page 25
Karyn Meletis · Kuhn & Koviak
Jennifer Mills · Merrill Lynch
Steven Montgomery · Charles Schwab
Drew Slacum · Morgan Stanley Smith Barney
Richard Shaw · Higgs Fletcher & Mack
Michael Moore · American Money Management
William Smith · Wells Fargo Advisors, LLC
Todd Tyler · Todd Tyler, CPA
Richard Nerad · Nerad + Deppe Wealth Management
Gary Soble · LPL Financial
Steven Wendroff · Steven Wendroff, CPA
Chris McCann · Morgan Stanley Smith Barney Page 21
Jeffrey Ott · First Allied Securities
Page 23
Robert Ottaviano · Morgan Stanley Smith Barney Justin Parker · Southwest Securities Debra Patterson · AXA Advisors
Vladimir Raicevic · Carey & Raicevic, CPA
Jon Stahley · Ameriprise Financial Services, Inc. Eric Stegmann · Charles Schwab Shawna Such · Merrill Lynch
Matthew Sweeney · RBC Wealth Management Page 19 Gregory Syrios · Wells Fargo Advisors, LLC
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. Five Star award information: fivestarprofessional.com — FS 5
2012 Five Star Wealth Managers
List compiled by Five Star Professional. Award winners listed by primary services.
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2012 Five Star Wealth Managers
Left to right: Three-year winner Rick Plum, Stacy Ridge, Brent Rivard, 2012 award winner Ray Lucia Jr., Joseph Lucia, Matt Hansen, Theresa Ochs**
RJL Wealth Management, headquartered in San Diego, CA, offers a wide array of investment opportunities with the primary objective of helping clients build a sound strategy for retirement. It’s not just about wealth accumulation — it’s about providing a sense of confidence when most retirees today are uncertain their money will last a lifetime. Clients benefit from the firm’s years of experience in helping thousands plan for and manage their retirement.
As Chief Executive Officer, Ray Lucia Jr. is responsible for overseeing the firm’s financial strategy, product design and overall vision. He prides himself on providing a work environment that fosters growth and opportunity within a family-oriented culture. Additional members of the management team include President Brent Rivard and Executive Vice President Joe P. Lucia. RJL Wealth Management provides a boutique experience while offering products and services usually only available through Wall Street firms and aims to stand out from its competitors by employing salaried financial advisors. This approach places the primary focus on building meaningful relationships and developing the right strategy for clients, independent of specific investment solutions. RJLWM calls this approach Strategy FirstSM. In 2011, Ray Lucia Jr. launched a mutual fund and a full-service broker-dealer, Lucia Securities, LLC. Both additions complement RJLWM’s existing offerings and create a platform for future growth.
Securities offered through Lucia Securities, LLC (LSL), a Registered Broker/Dealer, member FINRA/SIPC. Advisory services offered through RJL Wealth Management, LLC (RJLWM). RJLWM and LSL are affiliates. *As of 7/30/2011, assets managed by RJLWM totaled $396,355,434.00. In addition, our investment advisor representatives as registered representatives of LSL oversee $1,177,506,904.89. **Photo taken at the University Club, downtown San Diego.
FS 6 — Five Star award information: fivestarprofessional.com
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2012 Five Star Wealth Managers
Raymond J. Lucia Jr.
Helping clients Build a Sound Strategy for retirement • 15-year industry veteran
• Leads 22 offices nationwide with more than 100 employees and 18 salaried financial advisors • More than $1.5 billion in invested assets*
Titles: Owner, Chief Executive Officer, Portfolio Manager
Designations: Certified Public Accountant, Personal Financial Specialist
13520 Evening Creek Drive North, Suite 300 • San Diego, CA 92128 Office: (800) 644-1150
[email protected] • www.rjlwm.com
Five Star award information: fivestarprofessional.com — FS 7
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2012 Five Star Wealth Managers
AF&T Financial Group
Preserve Wealth, Protect Family, Create a Legacy
W I N N E R
Left to right: Two-year winner Robert Armstrong*, five-year winner Michele A. Tutoli*, Sanford Fisch* Seated: Stephanie A. Lord and Michael J. Lord*
• Estate planning, trust administration and fiduciary tax services • Insurance and retirement planning, including long-term care • Asset allocation, tax and fee-based investment management services
Designations: Certified Specialist in Estate Planning, Trust and Probate Law, CFP®
Armstrong, Fisch & Tutoli has provided comprehensive wealth management services to residents of San Diego County for more than 30 years. Our mission has been to build long-term relationships through customized planning for individual and family needs. This planning coordinates the legal documents with the financial tools you need to protect you and your loved ones from the devastating legal and financial effects of disability and death.
Through our legacy planning process, we work with clients to develop tailored plans to assist in the creation, preservation and transfer of wealth, both for yourself and future generations. Our firm is staffed with experienced attorneys, paralegals and licensed financial advisors trained in the complex areas of probate, trust and ever-changing tax laws, as well as the financial products and services you need to implement your plan. Our professional staff provides a unique experience to help you make informed decisions about your family’s future.
Armstrong, Fisch & Tutoli, Attorneys-at-Law/AF&T Financial Group 6050 Santo Road, Suite 240 • San Diego, CA 92124 Office: (858) 453-0626 • Fax: (858) 874-0510 www.armstrongfisch.com
*Securities offered through 1st Global Capital Corp., member FINRA/SIPC. Investment advisory services offered through 1st Global Advisors, Inc. Insurance offered through AF&T Insurance Services, License No. 0D65291.
FS 8 — Five Star award information: fivestarprofessional.com
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2012 Five Star Wealth Managers
J. Samuel Armstrong Experience, Commitment, Integrity
• More than 25 years advising clients • Past president and 20-year board member for UCSD’s Moores Cancer Center • Co-founded the Luau & Longboard Invitational which raised more than $5 million for UCSD’s Cancer Center
Title: Vice President – Investments
Area of Focus: Strategies for Growing Wealth
Sam works with clients looking to grow their investments them to the advantages of a low turnover portfolio, thus through individual portfolios, 401(k) rollovers and IRAs. simplifying their lives. This is accomplished by focusing on the He follows a contrarian approach to investing. Sam builds larger positive trends that affect our society. portfolios of stocks and bonds with clients, while educating
888 Prospect Street, Suite 301 • La Jolla, CA 92037 Office: (858) 456-7717 • Toll-free: (800) 556-0014
[email protected]
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 1111 – 3028 11/11]. Five Star award information: fivestarprofessional.com — FS 9
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2012 Five Star Wealth Managers
Dale A. Beed
My Main Objective Is My Clients’ Success in Pursuing Short- and Long-Term Financial Goals
W I N N E R
• Preservation of personal wealth • Helping to grow and maintain a family legacy
Focus: Tailoring portfolios to pursue both current and retirement needs for clients Titles: First Vice President, Financial Advisor
Dale believes that having an investment policy statement is the cornerstone of a successful investment strategy, and because each investor is an individual with unique needs and circumstances, he designs a specific portfolio based on information gathered from personal appointments. His investment philosophy is to help his clients preserve their principal purchasing power and obtain a constant level of total return, including both income and growth of capital consistent As a Morgan Stanley Smith Barney Financial Advisor, Dale has with their tolerance for risk. experience in all areas of investing strategies, including the areas of objective assessment, asset allocation, the analysis of professionally managed investments as well as ongoing performance evaluation. Dale A. Beed, a veteran of the securities industry since 1985, as of May 2008 joined the firm of Morgan Stanley Smith Barney and its predecessor firms after more than 18 years at UBS, coming to UBS from Bateman Eichler. Prior to that, he owned an import/export business. Earlier in his career, Dale was an engineer with the Maritime Services Board of New South Wales in Sydney, australia.
1225 Prospect Street • La Jolla, CA 92037 Phone: (858) 729-5079 • Toll-free: (800) 473-2331, Ext. 5079 • Fax: (858) 551-5907
[email protected] • http://www.morganstanley.com/fa/Dale.Beed © 2012 Morgan Stanley Smith Barney LLC. Member SIPC.
FS 10 — Five Star award information: fivestarprofessional.com
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2012 Five Star Wealth Managers
Douglas Cochran Fixed-Income Portfolio Management
• Tax-exempt municipal bond specialist • More than 20 years of financial experience • Specializing in ultra high-net-worth clients
Titles: Senior Vice President, Wealth Advisor
Member of the firm’s prestigious Chairman’s Club, an elite group composed of the firm’s top financial advisors A native of San Diego County, I hold a bachelor’s degree in business from San Diego State University. Our offices overlook La Jolla Cove, and I currently live in San Diego County with my wife and two children. I specialize in high-quality, fixed-income investment portfolios with a goal of current income and focus on working with clients whose duration of retirement exceeds their employment, such as professional athletes and highprofile individuals. I have more than 20 years of experience and
have been with Morgan Stanley Smith Barney for 11 years. I am a member of the firm’s exclusive Fixed Income Select program, and with the help of dedicated resources and services, I can provide customized investment strategies and solutions for clients looking to manage, grow, preserve and transition their wealth. Contact me for a complete analysis of your existing portfolio.
1250 Prospect Street • La Jolla, CA 92037 Office: (858) 729-5073 • Toll-free: (800) 473-2331
[email protected] © 2012 Morgan Stanley Smith Barney LLC. Member SIPC.
Five Star award information: fivestarprofessional.com — FS 11
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2012 Five Star Wealth Managers
The Crosswind Team
Trust • Integrity • Experience • Client Service
Investment Management Financial Planning Business Planning
Left to right: Debbie Watts, three-year winner Randy Richmond, Trish Connery
• Wealth preservation • Tactical and alternative investment solutions • Life transition management
Titles: Founder, Owner, Principal
Designations: MBA, CERTIFIED FINANCIAL PLANNER™ practitioner, Accredited Investment Fiduciary®
We specialize in the tactical allocation of investment assets (shorter-term strategies) versus the traditional “buy and hold” strategies of the past. Our clients like our “participate up/protect down” strategies that provide guard rails in these volatile markets.
Client Approach: We make the complex simple.
Accomplishments: Senior Executive at IBM and Pfizer; CEO at three tech companies. Association Membership: Serves on several corporate and charitable boards of directors. Primary Custodian for Investor Assets: Bank of new York – Mellon.
3655 Nobel Drive, Suite 350 • San Diego, CA 92122 Office: (858) 453-5100
[email protected] • www.crosswindstrategies.com
Advisory Services offered through Crosswind Advisory, LLC, a Registered Investment Advisor. Securities offered through Ceros Financial Services, Inc. Member FINRA, SIPC. Crosswind Advisory and Ceros are not affiliated.
FS 12 — Five Star award information: fivestarprofessional.com
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2012 Five Star Wealth Managers
DB Wealth Management Group a registered investment advisor
W I N N E R
Areas of Focus: Integrating Investment, Tax Planning, Retirement Income, Risk Management and Estate Planning Strategies
Left to right: Kathleen Sanchez, four-year winner Jeanne Bradford-Odorico, Bergen Garner, six-year winner Michael Donohue, Sylvie Steinback
• Partnering with clients to help create, protect and preserve wealth through objective financial planning and strategic investment management
Designations: Michael K. Donohue, CFP®, CFS®; Jeanne Bradford-Odorico, CFP®, CLU®
What is your vision of retirement? Do you have confidence knowing you’re financially prepared and living life to its fullest? or are you spending your time worrying about outliving your money?
personalized strategies. By providing advice and insight regarding financial alternatives and educating with clear explanations of relevant concepts, we can help transform financial visions into reality.
Our combined experience of more than 50 years has been enhancing clients’ lives by combining broad and deep technical financial expertise with the ability and desire to understand what matters most to every client.
We believe comprehensive wealth management isn’t found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client. We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality.
DB Wealth Management’s clients have unique individual circumstances, and they rely on us to analyze and develop
dB Wealth Management group, llc 1450 Frazee Road, Suite 610 • San Diego, CA 92108 Office: (619) 497-0404 • Fax: (619) 497-0804 www.retirementstrategies4you.com
Michael K. Donohue, CA Insurance Lic 0685025 and Jeanne Bradford-Odorico, CA Insurance Lic 0661685 are Registered Principals with and securities offered through LPL Financial, member FINRA/SIPC.
Five Star award information: fivestarprofessional.com — FS 13
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2012 Five Star Wealth Managers
Richard J. Radigan
Client-Focused Personal Relationship Dedicated to Your Success
• Passionately committed to finding investment opportunities for growth and income portfolios • IRA rollover options from your previous employer’s 401(k), 403(b) and profit sharing plans
Title: First Vice President – Investments, California Insurance License OA05116
Throughout Richard’s 30 years of experience in the financial services industry, he has gained a reputation of working with families and individuals to help grow and preserve their wealth. He strives to know his clients well and build longlasting relationships. Richard also understands that planning for retirement generates many questions. He is committed to making sure he personally addresses client concerns. His
ultimate goal is for your retirement to be enjoyed without financial stress. We all know that the world is full of uncertainty; and building long-term relationships helps foster confidence that your financial advisor can help you attain your goals. Richard would be honored to have the opportunity to share his approach with you.
11682 El Camino Real, Suite 110 • San Diego, CA 92130 Phone: (858) 523-7900, Ext. 7922 • Phone: (800) 538-8301
[email protected]
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 1111-2207 11/11].
FS 14 — Five Star award information: fivestarprofessional.com
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2012 Five Star Wealth Managers
Bryan Stebel
Providing Comfort With Sound Financial Strategies
• We have relationships not clients • Customized retirement income planning • Ethics and integrity drive our fiduciary responsibility
CERTIFIED FINANCIAL PLANNER™ practitioner, Chartered Retirement Planning CounselorSM, Registered Financial Consultant
Bryan has achieved this award for three consecutive years, which is quite an accomplishment during these difficult financial times. Bryan has been in the financial industry for more than 19 years, with 11 of those years at Fidelity Investments. While at Fidelity, Bryan was responsible for managing more than $400 million of client assets and became the preferred advisor for universities and health care facilities in the San Diego area. Since opening his own practice in 2006, Bryan has become a partner and First Executive VP in
Gateway Financial Advisors Inc., which has 70-plus advisors across the country with close to $1 billion under management. in addition to retirement planning and wealth management, Bryan has expanded his business to provide life, long-term care, disability, property and casualty insurance to his clients. Bryan brings a high level of personal commitment to each client and believes communication is the key to success in any business venture.
535 North Highway 101, Suite C • Solana Beach, CA 92075 Phone: (858) 717-0833
[email protected] • www.stebelfg.com
Securities offered through Cambridge Investment Research, Inc., Member FINRA/SIPC. Advisory Services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Stebel Financial Group and Cambridge are not affiliated. See the announcement page for more information on how the Five Star Wealth Managers are chosen.
Five Star award information: fivestarprofessional.com — FS 15
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2012 Five Star Wealth Managers
Wealth & Wisdom Financial Group Educate, Counsel and Guide Our Clients
Areas of Focus: Education and planning with financial strategies designed to help you maximize your wealth
Left to right: Ver Belt, Rachael Negrete, three-year winner Leroy Lopez, two-year winner Doak Belt, three-year winner Traci Havey and Stacie Caeg
• Building strong relationships • A team approach to your financial goals • Developing and implementing strategies in wealth management
Times are economically challenging, and we are here to see that your financial well-being remains strong. Wealth & Wisdom Financial provides you with financial strategies designed to help you maximize your wealth. We offer onestop shopping for all your financial well-being, including the accumulation, distribution and conservation of wealth. Our firm has an educational and interactive approach. Our financial
specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us. From different financial strategies to insurance and estate planning, we find ways to achieve your financial goals that don’t take away from your lifestyle so that you can enjoy your money today while saving for your future.
Wealth & Wisdom Financial
2878 Camino del Rio South, Suite 510 • San Diego, CA 92108 Office: (619) 521-2100 • Fax: (619) 521-2114
[email protected] •
[email protected] • www.w-wp.com
Securities offered through The O.N. Equity Sales Company, Member FINRA/SIPC, One Financial Way, Cincinnati, OH 45242, (513) 794-6794.
FS 16 — Five Star award information: fivestarprofessional.com
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Relationships. Expertise. Solutions.
• Serving the needs of San Diego’s families
• Offering comprehensive wealth management
W I N N E R
Left to right: 2010 winner Stan Perry and six-year winner Lawrence Andrews, Jr.
RBC Wealth Management ranked “Highest in 2011 Investor Satisfaction With Full Service Brokerage Firms” in J.D. Power and Associates Full Service Investor Satisfaction Study. the Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning, investment strategies, insurance solutions, retirement income funding, and credit and lending strategies to help meet their clients’ needs. The team works together to proactively develop a wealth management plan to help clients in all stages of their lives address 13 critical wealth management issues facing sophisticated families. The Andrews-Perry Group is known to establish and maintain long-lasting, collaborative relationships with clients. To learn more, visit their website or contact them directly.
• Delivering world-class solutions
Dedicated to addressing the complex financial needs of clients through wealth management Designations: CFP® certification, AWM
the andrews-perry group, rBc Wealth Management 4250 Executive Square, Suite 800 La Jolla, CA 92037
Phone: (858) 550-5171 • Toll-free: (866) 615-5294
[email protected] www.rbcfc.com/andrewsperry
RBC Wealth Management, a division of RBC Capital Markets LLC, Member NYSE/FINRA/SIPC. RBC Wealth Management does not provide tax or legal advice. We will work with your independent tax/legal advisor to help create a plan tailored to your specific needs.
The Bridges Group at Morgan Stanley Smith Barney Wealth planning during challenging times
• Comprehensive wealth management • Customized retirement planning
• Professional portfolio management
Left to right: Luke Ervin, Five Star award winner Chad Taylor and Tonya Heath
Five Star award winner Chad Taylor, CFP®, and Luke Ervin, CIMA®, formed the Bridges Group to help simplify their clients’ financial lives, allowing them to focus on what’s most important to them: their families and businesses. By providing retirement planning, portfolio management and equity compensation planning strategies, they strive to understand their clients’ goals and aim to tailor strategies to help them reduce risks, increase financial confidence and enjoy a comfortable retirement.
Titles/Designation: Financial Advisor, Senior Vice President – Wealth Management, CFP®
4350 La Jolla Village Drive, Suite 1000 San Diego, CA 92122 Office: (858) 597-7703
[email protected];
[email protected] www.fa.smithbarney.com/bridgesgroup
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.
Five Star award information: fivestarprofessional.com — FS 17
2012 Five Star Wealth Managers
The Andrews-Perry Group
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2012 Five Star Wealth Managers
Jonathan Doering
Values-Based Financial Services
• Focused on long-term client relationships
Tw W o-Y in ea ne r r
• Advice and education to help you maintain financial security
Jonathan Doering celebrated 21 years of service with Thrivent Financial in 2011. In recognition of his expertise, he holds esteem as a member of Thrivent Financial’s Pinnacle Leaders Group earned by only 45 financial representatives in the country. He has attended the globally recognized Financial Management Program at The Wharton School of Business with emphasis on investment strategies and tax advantaged strategies. Jonathan is proud to be honored by the Lutheran Community Foundation as a VIP (Voices in Philanthropy) for his commitment to charitable planning as a significant part of his work.
• Coordinated team of financial representatives and support staff Retirement distribution strategies, investment management concepts, tax-efficient estate and charitable strategies
9191 Towne Centre Drive, Suite 355 San Diego, CA 92122 Direct: (858) 455-5227 Toll-free: (877) 593-1195
[email protected]
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal, accounting, or tax advice or services. Work with your Thrivent Financial representative, and, as appropriate, your attorney and/or tax professional for additional information. Securities and investment advisory services are offered through Thrivent Investment Management Inc., Minneapolis, MN, a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans. For additional important disclosure information, please visit thrivent.com/disclosures. 201008190. The Lutheran Community Foundation is a public charity serving donors and the community through charitable funds. The Lutheran Community Foundation is independent of Thrivent Financial for Lutherans and its associates.
Ferguson McClure & Associates Strategies for Businesses and Business owners
• Building the right retirement plan for you and your business
Tw W o-Y in ea ne r r
• Estate planning and wealth preservation strategies
Left to right: Two-year winners Ed McClure and Brian Ferguson
As a business owner or successful individual, you need to make complex financial planning and investment decisions. These decisions must be made, whether you have the time, energy and expertise to make them or not. Recently, this has been compounded by significant turmoil going on with taxes, health care and the markets. Our mission is to create long-lasting partnerships with you as we provide the clarity and understanding necessary in striving to get these important decisions right. We would like to thank our clients for helping us become a Five Star award winner.
• Finding the most suitable health care product for your business Areas of Focus: Employee Benefits, Estate Planning, Investments and Retirement Plans
701 Palomar Airport Road, Suite 125 Carlsbad, CA 92011 Phone: (760) 607-0611
www.fergusonmcclure.com
Edwin McClure and Brian Ferguson are registered representatives with LPL Financial. Securities and financial planning offered through LPL Financial. Member FINRA/SIPC. CA Insurance Lic. OB29274 and OB51184.
FS 18 — Five Star award information: fivestarprofessional.com
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Planning for the “if” in Life …
• Small-business owners and medical professionals • Retirement and estate strategies; investment analysis and portfolio management
W I N N E R
Left to right: Five-year winner Jim Lingelbach, four-year winner Mark Pearcy, two-year winner Tim Essman
• Delivery of objective advice through a welldefined financial planning process
Jim Lingelbach, 2008 – 2012; Mark Pearcy, 2007 – 2011; Tim Essman, 2010 – 2011 Designations: CFP®, ChFC®, CLU®, CASL®
With more than 50 years of industry experience and client relationships, our team works with busy and successful people just like yourself, making their lives simpler and more productive. We provide financial insights for tax, retirement and estate planning strategies, including wealth accumulation, management and distribution.
3131 Camino del Rio North, Suite 1200 San Diego, CA 92108
Through purposeful and timely conversations, our process is designed to help achieve the goals you want through a unique approach to planning.
Office: (619) 281-9890 Toll-free: (877) 267-7595
www.sdfinancialplanning.com
All representatives noted above are financial service representatives and financial planners of MetLife. Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities and investment advisory services offered by MetLife Securities, Inc. (MSI) (FINRA/SIPC), a registered investment adviser. MLIC and MSI are MetLife companies. MetLife does not provide tax or legal advice. Please consult your tax advisor or attorney for guidance. Financial Planning Division, an office of MetLife. L1111222902 [exp1212] [CA]. Lingelbach # 0764473, Pearcy # 0C20807, Essman # 0C37992.
The Folsom-StirlingSweeney Group nationally ranked by Barron’s
• Experienced stock and bond management
• RBC WM top-rated municipal bond trading and underwriting services
• Comprehensive family wealth planning services
Left to right: Four-year winner John Folsom, Linda Stirling and three-year winner Matthew Sweeney
Described by many clients as their primary advisor, the Folsom-StirlingSweeney Group consolidates individuals’ financial assets to customize and manage a portfolio appropriate for their investment objectives. The RBC global, nonproprietary platform allows for customization honed by 33 years’ experience in financial advisory services, offering strategic solutions for clients’ financial needs.
Fee-based discretionary portfolio management Designations: CERTIFIED FINANCIAL PLANNER™ practitioner, Investment Advisor Representative
4250 Executive Square, Suite 800 La Jolla, CA 92037
Direct: (858) 550-5116 • Toll-free: (888) 909-5116
[email protected] www.rbcfc.com/folsomstirlingsweeney
RBC Wealth Management, a division of RBC Capital Markets LLC. Member NYSE/FINRA/SIPC.
Five Star award information: fivestarprofessional.com — FS 19
2012 Five Star Wealth Managers
Financial Planning Division Team
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2012 Five Star Wealth Managers
Richard B. French investment Management
• Retirement and income planning
Tw W o-Y in ea ne r r
• Fiduciary portfolio management
Richard was awarded the title of Senior Vice President – Investments with Morgan Stanley in 1999. He has more than 25 years of experience assisting clients with wealth accumulation, designing and implementing income plans, retirement planning, insurance strategies and comprehensive wealth management. He also has access to some of the top fiduciary managers in the country today.
• Experienced fixed income management Titles: Sr. Vice President, Financial Advisor
5796 Armada Drive, Suite 200 Carlsbad, CA 92008 Office: (760) 931-4613 Toll-free: (800) 676-0460
[email protected]
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC. Securities licensed in 23 states. Commodities licensed. CA insurance lic No. 0A88555.
Honeycutt, Smith & Associates
Personal, Professional, Caring Advice
• Designing smart strategies to help meet today’s economic challenges
Tw W o-Y in ea ne r r
• Pursuing top dollar and more when selling your business
Left to right: Two-year winner Paul Honeycutt and Ronald Smith
We provide individuals and business owners with extensive financial, estate and retirement planning. We use a systematic approach to exit planning, in order to maximize the value owners receive when they decide to sell or transfer their business. With 80 years of combined experience, we bring creative solutions to our clients’ planning needs.
• Helping you sell your business for the lowest tax cost Areas of Focus: Business, Estate, Investment and Exit Planning Designation: CERTIFIED FINANCIAL PLANNER™ practitioner
4225 Executive Square, Suite 955 La Jolla, CA 92037 Office: (858) 200-0900
www.honeycuttsmith.com
Paul E. Honeycutt, CFP® Practitioner (CA Insurance Lic# 0728831) and Ronald F. Smith, CLU®, ChFC® (CA Insurance Lic# 0688599) are registered representatives and investment adviser representatives with/and offer securities through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. They also offer advisory services as Investment Adviser Representatives of H.S. Financial, Inc., a Registered Investment Adviser, in the states of CA and NV. Fixed insurance products and services are offered by Honeycutt Smith & Associates. H.S. Financial, Inc. and Honeycutt Smith & Associates and their services are separate and unrelated to Commonwealth.
FS 20 — Five Star award information: fivestarprofessional.com
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Dedicated to Your Success
• Comprehensive wealth and investment management
• Open architecture investing: multiple platforms to manage your investments • Customized financial plans
Titles: Financial Advisor, Senior Vice President Designation: CERTIFIED FINANCIAL PLANNER™ practitioner
Committed to a personalized and proactive approach.
David is a CFP® professional with 14 years of experience in the wealth management and investment field. David works closely with families and individuals to help bring together strategies for the multidimensional aspects of their financial affairs. This involves enhancing, creating and preserving wealth, as well as guiding them step-by-step through every strategy custom tailored for each individual situation.
5464 Grossmont Center Drive, Suite 200 La Mesa, CA 91942
Office: (619) 668-4337 • Toll-free: (800) 729-2900
[email protected] www.morganstanley.com/fa/david.g.lu
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.
Chris W. McCann Strategic Wealth Management
• Custom portfolio management • Retirement income planning • Family legacy planning
Titles: Vice President, Wealth Advisor Designations: CFP®, CIMA®
Chris McCann has been a Financial Advisor for more than 10 years. He and his team work collaboratively with their clientele in creating customized investment strategies that focus on preserving, growing and transitioning their wealth. Chris is a CERTIFIED FINANCIAL PLANNER™ practitioner and is a Certified Investment Manager Analyst completing his coursework at The Wharton School. Chris also serves as a subject matter expert for the Certified Financial Planner Board of Standards.
5796 Armada Drive, Suite 200 Carlsbad, CA 92008 Office: (760) 931-4646
[email protected]
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.
Five Star award information: fivestarprofessional.com — FS 21
2012 Five Star Wealth Managers
David Lu
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2012 Five Star Wealth Managers
The Walton & Hitt Group at Morgan Stanley Smith Barney Mark Walton, Joris Hitt, Kate Hover
• Knowledge: Joris Hitt, 17 years; Mark Walton, 12 years
W I N N E R
Left to right: 2012 award winner Joris Hitt, Kate Hover, five-year winner Mark Walton
• Commitment: clients’ interests are first • Execution: customized strategy
Titles: Vice Presidents, Financial Advisors, Portfolio Managers
The Walton & Hitt Group, with Five Star award winners Joris Hitt and Mark Walton, manages more than $350 million in assets. As balanced portfolio managers of stocks and bonds, they focus on time-tested, asset allocation methods that have worked consistently in the long run. They employ tactical, conservative option strategies to minimize risk and increase income in clients’ portfolios. The Walton & Hitt Group believes successful investing begins with a discretionary management process that eliminates emotionally driven decisions.
1250 Prospect Street, Suite 202 La Jolla, CA 92037 Direct: (858) 729-5071 Toll-free: (800) 473-2331
[email protected] •
[email protected]
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.
Matthew C. Barnhart
Lilly Emerson
Metlife
3131 Camino del Rio N, Ste. 1200 San Diego, CA 92108 Direct: (619) 641-3625 Toll-free: (877) 267-7595
[email protected] www.MatthewCBarnhart.com
Resource for Your Financial Needs
• Fee-based financial planning • Investment management • Protection planning
16644 W Bernardo Dr., Ste. 400 San Diego, CA 92127 Phone: (858) 674-3929
[email protected]
fa.morganstanleyindividual.com/lilly.emerson
Her Clients’ Favorite Go-To Person
• Helping to simplify the financial maze • Tuning in to what you need • Personalized lifetime income strategies
Areas of Focus: Life Transition Wealth and Income Planning
Mission
Titles/Designation: Vice President, Financial Advisor, CRPC®
Our mission is to become a lifetime resource for individuals, families and businesses by providing them exclusive personal financial advice to help them achieve their financial dreams. We accomplish this by forming a relationship and building trust with our clients, offering sound financial advice and providing top-notch service to a select number of clients.
lilly has an honest, straightforward delivery of well-thought-out, smart advice. She engages and cares deeply for the needs of her clients and our surrounding community. Whether she is hosting fun, interactive appreciation events or meeting one-on-one, Lilly can be counted on to be focused on you. Serving the needs of individuals and intergenerational families has been her passion for nearly two decades. With the resources of Morgan Stanley Smith Barney behind her, Lilly’s personalized care helps create a stable base for your own lifetime financial plan.
Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities and investment advisory services offered by MetLife Securities, Inc. (MSI), member FINRA/SIPC. MLIC and MSI are MetLife companies. L1111221323[exp0113]
FS 22 — Five Star award information: fivestarprofessional.com
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.
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Jeffrey Ott
5650 El Camino Real Carlsbad, CA 92008 Phone: (760) 707-5555 Toll-free: (877) 707-8889
[email protected] www.LabrumCapital.com
4437 30th St. San Diego, CA 92116 Phone: (619) 223-7132
[email protected]
intelligent Stewardship of Wealth
The Client Always Comes First
• Active portfolio management • Guaranteed income planning • 401(k) and retirement plans for business
• Independent for a reason • Customized advice based on client needs • 27 years of experience
Title: President
Focus: Investment Management, Retirement Planning, Insurance
Designation: CERTIFIED FINANCIAL PLANNER™ practitioner
Designations: Registered Principal, CA Insurance Lic. OA59832
Labrum Capital Advisors, LLC is a process-driven independent wealth management firm that is focused on delivering tailored financial solutions to individuals, families and businesses. We believe our clients deserve the absolute highest level of service along with insightful, unbiased advice that is free from conflicts of interest, with access to the broadest possible choice of investment and planning opportunities from which to thrive.
For more than 27 years, Jeff has been affiliated with an independent broker/dealer firm. Therefore, he has been able to focus solely on the clients’ interests — not the firm’s. Given today’s financial climate, that fact has never been more important. There is never a fee for an initial consultation. It is a real honor to have been selected by my clients and colleagues for this award three years in a row. Thank you for your recognition of the value of my services.
Labrum Capital Advisors, LLC (“LCA”) is a registered investment advisor located in Carlsbad, California.
Securities offered through First Allied Securities, Inc., a Registered Broker/Dealer. Five Star Wealth Managers do not pay a fee to be included in the research of the final list. The award is based on 10 objective eligibility/evaluation criteria and may not be representative of any one client’s experience.
Willie D. Racelis
Foresters Equity Services Inc.
Tw W o-Y in ea ne r r
6640 Lusk Blvd., Ste. A202 San Diego, CA 92121 Cell: (619) 405-2603 Toll-free: (800) 350-9885
[email protected] www.wdracelis.com
Broad Perspective, Trusted Advice
• Retirement income solutions • Tax-advantaged investment planning • Wealth preservation and transfer strategies
Designation: Chartered Retirement Planning CounselorSM
My mission is to help you live a comfortable and confident lifestyle by applying prudent and sound financial and investment principles and strategies. i believe that understanding your needs, goals and financial situation is critical to building a successful long-term strategy. I believe that you should benefit from a diverse range of solutions within a comprehensive, individual strategy. I endeavor to review and recommend adjustments as your needs and goals change.
“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
Investment Advisor Representative of and offering securities and advisory services through Foresters Equity Services Inc., a member of FINRA and SIPC, and a Registered Investment Advisor. CA Lic. No. 0D00215.
Five Star award information: fivestarprofessional.com — FS 23
2012 Five Star Wealth Managers
Jason R. Labrum
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2012 Five Star Wealth Managers
John S. Agostino
Shelley Lee Boyce
5780 Fleet St., Ste. 140 Carlsbad, CA 92008 Office: (760) 930-2444 Direct: (760) 930-3416
[email protected] www.wfadvisors.com/john.agostino
First Vice President – Investments
A sincere "thank you" goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals.
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 1111-3261 11/11].
Ken Corlett
5230 Carroll Canyon Rd., Ste. 214 San Diego, CA 92121 Phone: (858) 452-6455
[email protected] www.kencorlett.com CFP®, MWM President
Ken and his team strive for excellence in service, for their clients. To explore their services, visit www.kencorlett.com.
MWM operates under and services offered through First Financial Equity Corporation Member FINRA/SIPC – www.ffec.com. Supervisory office: 7373 N. Scottsdale Rd., Ste. D-120, Scottsdale, AZ 85253, (480) 951-0079.
Patrick Kearney
Julia Cheng is nationally recognized by Financial Planning Association and MDRT as a strategic financial planner, with global investment perspective and more than 22 years of experience.
Shelley Lee Boyce is a Registered Representative with/and Offers Securities through Commonwealth Financial Network, Member FINRA/SIPC. Advisory services offered by Financial Planning Solutions are separate and unrelated to Commonwealth.
States Licenses: AZ, CA, CO, CT, DC, FL, GA, HI, IL, MA, MD, MI, NJ, NM, NV, NY, OH, OR, TX, UT, VA, WA. Securities offered through Girard Securities, Inc., member FINRA and SIPC. Accounts carried by National Financial Services, LLC or Pershing, LLC.
Dax Fletcher
101 W Broadway, Ste. 1800 San Diego, CA 92101 Phone: (619) 236-1331 Toll-free: (800) 473-1331
[email protected] Title/Designation: Financial Advisor , CRPS®
Over the last decade, two unique niches have formed organically in Dax’s practice. He has assisted women investors who have been divorced or widowed. Additionally, Dax specializes in retirement plans for professionals who need to defer more income than traditional 401(k) limits.
Michael A. Mays
Title: First VP – Investment Officer, MBA
FS 24 — Five Star award information: fivestarprofessional.com
Matthew Fromm
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Fromm Investment Management 7486 La Jolla Blvd., Ste. 451 La Jolla, CA 92037 Toll-free: (866) 593-5350 mfromm@ fromminvestments.com www.fromminvestments.com Designations: MBA, CRPS®
creating and preserving wealth through up and down markets since 1997, Matt Fromm is honored to receive the Five Star award again this year. He would like to thank his clients for their referrals and trust.
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.
Title: First Vice President – Investments
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. [CAR1111-2210A 11/11].
Areas of Focus: Business and Estate Planning Strategies Designations: CFP®, MBA
For more than 20 years, Shelley has served a diverse clientele with her conservative analytical skills, comprehensive custom financial plans, por tfolio design and management.
[email protected] wfadvisors.com/patrick.kearney
My priorities are respect and cooperation with clients, integrity in every aspect of the relationship and a spirit of true partnership, as we work toward helping you achieve your financial goals.
7380 Clairemont Mesa Blvd., San Diego, CA 92111 Toll-free: (888) 816-6688
[email protected]
Designations: CFP®, AIF®
11512 El Camino Real, Ste. 210 San Diego, CA 92130 Cell: (858) 337-2054 michael.mays @wellsfargoadvisors.com
888 Prospect St., Ste. 301 La Jolla, CA 92037 Direct: (858) 456-7745
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Julia Cheng
Financial Planning Solutions, Inc. 2784 Gateway Rd., Ste. 102 Carlsbad, CA 92009 Phone: (760) 929-1180
[email protected] www.FinancialDesign.net
“Thank you to my clients for the privilege of serving your financial interests and sharing the journey.” Corp. executive services, stock option exercise, investment mgmt., insurance planning and executive retirement planning. CA Ins. Lic. 0C43047. 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 1111-4317 11/11].
E. Scott Miller
Wells Fargo Advisors, llc 11682 El Camino Real, Ste. 110 San Diego, CA 92130 Phone: (858) 523-7999
www.wfadvisors.com/e.scott.miller
Focus: Providing comprehensive investment and retirement planning Title: Vice President – Investments
This award is extra special to me as I celebrate my 30th year as a financial advisor. It’s been a pleasure serving the San Diego community, and i look forward to many more rewarding years to come.
CA Ins Lic 0A26182. 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 1111-1695 11/4].
© S v r Fi e S ta Pr v r o Fi e S ta Pr f ve t r P o f a e r S r o s e S ta Pr fe s i r o s ta Pr fe si r o o s ta Pr fe si n r P o ss on fe Christopher Rand
Christine Skoczek
new england Securities Corp. 3131 Camino Del Rio N., Ste. 1250 San Diego, CA 92108 Phone: (619) 683-6244
[email protected] www.ChristopherRand.com
Skoczek & Associates 2020 Camino del Rio N, Ste. 500 San Diego, CA 92108 Phone: (619) 238-1040, Ext. 210
[email protected] Fee-only wealth and financial management services Designations: CPA/PFS, CFP®
Designations: CFP®, MSFS, CLU®
Financial planning and wealth management since 1996.
Christopher Rand, a registered representative & financial adviser of New England Securities Corp.(NES), a broker/dealer (member FINRA/SIPC) and a registered investment adviser. CA Insurance License 0B84066. Five Star Professional is not affiliated with NES. [L1111222143[exp1112][CA]].
Danielle DeMarce Stanton LPL Financial 8313 La Mesa Blvd. La Mesa, CA 91942 Phone: (619) 644-1277
[email protected] lpl.com/danielle.stanton Title: Registered Principal
We have built a reputation for providing the highest level of personal service, while working toward meeting the needs and goals of our valued clients. I provide access to fullservice financial planning, independent and objective investment advice, and build longterm client relationships. Securities and Advisory services and Financial Planning offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.
David G. Smedley
4817 Santa Monica Ave. San Diego, CA 92107 Phone: (619) 223-1641 Fax: (619) 224-1327
[email protected] www.sgg-law.com Title: Attorney at Law
Chris helps attorneys, executives and other professionals make smart decisions with their money. Her unique business model is as straightforward as it is exceptional: Never delegate the relationship. She excels at untangling complexities, simplifying solutions and avoiding costly mistakes.
David Smedley has been practicing law since 1983 and has focused his practice in the estate planning/estate settlement field since 1990. He is a member of the estate planning sections of the California Bar Association and the San Diego Bar Association.
Thomas T. Tate
Brian Zimmerman
1350 Fashion Valley Rd. San Diego, CA 92108 Office: (619) 296-5377 Toll-free: (800) 458-7375
[email protected]
3111 Camino Del Rio N, Ste. 400 San Diego, CA 92108 Phone: (619) 528-2205 Fax: (619) 528-2206
[email protected] www.BrianZee.com
Financial Advisor, Vice President Investments
Helping families and businesses manage their wealth and reach their life goals is challenging and rewarding. Being in the business for more than 28 years, I literally have experienced the wild ride that investing sometimes dishes up.
Title: Financial Planner
I believe that good financial decisions don’t have to be confusing. I can provide simple, proven techniques that can help you make the most of your money and help achieve more of your financial goals.
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 1111-3172A 11/11].
“Wishful thinking is not planning. If you plan for the worst, you will never be unpleasantly surprised.” — Five Star award winner
Five Star award information: fivestarprofessional.com — FS 25
2012 Five Star Wealth Managers
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