2012 Charlotte Five Star Wealth Managers

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Charlotte magazine and Five Star ... Phillips Bragg · Bragg Financial Advisors Dan Brienza ... Eric Fritz · CG Financial Services of North Carolina
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Five Star Wealth Managers

In a consumer study about dynamics between wealth managers and their clients, Five Star Professional 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:

are financial advisors, financial planners, investment advisors, tax advisors and estate planning attorneys.

• 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.

Charlotte 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 96 percent.

• 63 percent of consumers say they receive the right amount of communication from their wealth manager. 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

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?

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

A Select Award

The 2012 Five Star Wealth Managers are a select group, representing less than 3 percent of the wealth managers in the Charlotte 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.

Award

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. Charlotte award candidates were identified using internal and external research data, including a survey to more than 5,200 registered financial services professionals and all identified financial service companies in the area that are registered with FINRA or the SEC.

Candidates

www.fivestarprofessional.com: Five Star award information — FS 1

2012 Five Star Wealth Managers

2012 Charlotte

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2012 Five Star Wealth Managers

Determination

Of Award Winners

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)

2012

1. C redentialed 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 96 percent).

The Five Star award goes to less than 7 percent of wealth managers.

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 $103 million in client assets).

9. Number of client households served (on average, this year’s award winners serve 227 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.

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 Charlotte 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.

• F ive 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) 1083 award candidates in the Charlotte area were considered for the Five Star Wealth Manager award. 267 (approximately 24 percent of the award candidates) were named 2012 Five Star Wealth Managers.

(2) (3) (4)

Wealth managers were required to certify that any information they provided was accurate. Criteria 4, 8 and 9 do not apply to attorneys or CPAs. 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.”

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. More than 15,400 households in the Charlotte 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: www.fivestarprofessional.com

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Business Planning

Randolph Autrey · Thompson Financial Group

Perry Clark · Morgan Keegan & Company

Gerald Baysden · Morgan Stanley Smith Barney

Thomas Greco · Union Capital Investment Services

Morris Bell · IJL Financial Advisors

Ann Gugle · Alpha Financial Advisors

Alex Bishop · Ameriprise Financial Services, Inc.

John Gugle · Alpha Financial Advisors

Chip Black · Black & Associates

Timothy Hamilton · The Pinnacle Financial Group

Robert McIntosh · The McIntosh Law Firm

Benton Bragg · Bragg Financial Advisors

Katrina Hayes · IJL Financial Advisors

Estate Planning

John Bragg · Bragg Financial Advisors

Curt Heinz · Financial Freedom Strategies Page 15

W. Louis Herford · Thompson Financial Group

Nicole Bryan · Vandiver & Bryan

John Carpenter · Culp Elliott & Carpenter Page 14

John Cunningham · John R. Cunningham III

Phillips Bragg · Bragg Financial Advisors Dan Brienza · Merrill Lynch

Robert Higgins · Fulcrum Capital Partners Christopher Hobart · Hobart Financial Group

John Brienza · Merrill Lynch

David Brinkley · Brinkley Financial Group Matt Campbell · Fulcrum Capital Partners

Mitchell Hodgkiss · Ameriprise Financial Services, Inc.

Cynthia Fenninger · Orsbon & Fenninger

Jeffrey Carbone · Cornerstone Financial Partners Page 9

Benjamin Horn · Morgan Stanley Smith Barney

Debra Foster · Debra L. Foster

Michael Climer · Merrill Lynch

Vic Howie · Merrill Lynch

James Hickmon · Hickmon Law

Randal Cokeley · Ameriprise Financial Services, Inc.

Eric Hutchby · Traverse Partners

Gerald Craig · Carolina Planning Consultants

Roger James · Parsec Financial Wealth Management

R. Timothy Curran · LPL Financial Page 9

Becky Johnson · Ameriprise Financial Services, Inc.

J. Lynn Davidson · Ameriprise Financial Services, Inc.

Steven Johnson · The Johnson Financial Group

Diane S. Davis · Ameriprise Financial Services, Inc.

Jeffrey Karp · Karp Financial Strategies

Leslee Daugherty · K&L Gates

Graham Holding · Robinson Bradshaw & Hinson Mark Horn · Moore & Van Allen

Carl King · Culp Elliott & Carpenter Page 15 Christy Reid · Robinson Bradshaw & Hinson Allen Starrett · Starrett Law Firm

Francis Sturges · Francis W. Sturges

Erik Ibsen · Merrill Lynch

Christopher Kemper · Lincoln Financial Advisors

William Trosch · Conrad Trosch & Kemmy

Kenneth R. Davis · WealthPlan Financial Partners

David Vines · GenSpring Family Offices

C. Wayne Dewar · Forth Financial Group

Stephen Kerekes · Thrivent Financial for Lutherans

Al Dickens III · The Teague Group

Charlie King · Merrill Lynch

Thomas Donahue · The Pinnacle Financial Group

Douglas King · King Financial Partners Page 11

Edward Doughty · Epic Capital Wealth Management

George Kroustalis · CAPTRUST Financial Advisors

Michael Fayed · Michael E. Fayed Financial Planning Page 10

Marsha LePhew · LePhew Financial Services Page 6

Eric Fritz · CG Financial Services of North Carolina

Peter Levinson · The LMA Group/Merrill Lynch

Jake Garman · Ameriprise Financial Services, Inc. Page 13

Joseph Lipe · Morgan Stanley Smith Barney

Financial Planning

David Alley · First Command Financial Services

Giles Almond · Matrix Wealth Advisors Robert Ames · Stephens

Michelle Anderson · Merrill Lynch

Mark Antonich · Ameriprise Financial Services, Inc. Jason Austell · New England Financial Dawn Baker · Baker Financial Group

Taylor Barden · Morgan Stanley Smith Barney

Jon Gauthier · Ameriprise Financial Services, Inc.

Russell Mansfield · RBC Wealth Management Joanie Mashburn · Merrill Lynch

Judson Gee · JHG Financial Advisors Page 13

Carson McDaniel · Merrill Lynch

www.fivestarprofessional.com: Five Star award information — FS 3

2012 Five Star Wealth Managers

Award winners listed by primary services and listed alphabetically by last name.

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2012 Five Star Wealth Managers

Award winners listed by primary services and listed alphabetically by last name.

William McDonald · Ballantyne Financial Advisors

Richard Yercheck · IJL Financial Advisors

Gray Daus · Wells Fargo Advisors, LLC

Sean McNally · LPL Financial

Insurance

Christopher Davis · Wells Fargo Advisors, LLC

Tony Montanari · ACM Financial Page 13

Jim Griffin · Griffin Financial Group

Howard Culbreth · State Farm

Robert Morris · Southeast Investments N.C.

Peter Senick · AXA Advisors

April Oliver · Ameriprise Financial Services, Inc.

Peggy Ward · New York Life Insurance Company

Allan Oxman · Oxman Riggins & Associates

Investments

Larry Parker · Parker Financial Group

John J. Anderson · Merrill Lynch

Tim Paschall · Paschall & Associates

Kendall Anderson · Anderson Griggs Investments

Allen Perry · Ameriprise Financial Services, Inc. Antonio Porretta · LPL Financial

Daniel Preslar · Redwood Wealth Management

Brenda Pressley · Brenda H. Pressley, CPA Chris Pridnia · Raymond James

Donald Robbins · Robbins Financial Group Geoffrey Roberts · Ameriprise Financial Services, Inc. Todd Rose · HF Financial

Anthony Ruffalo · LPL Financial

Stephen Sayers · Ameriprise Financial Services, Inc.

Philip Bailey · Bailey Capital/Raymond James Financial Services

Bailey Bartee · Wells Fargo Advisors, LLC

James Davis · Morgan Keegan & Company

Karen Donnelly · Wells Fargo Advisors, LLC Stanley Dyl · Davidson Capital Corporation

Scott Ellis · Wells Fargo Advisors, LLC

Craig Faile · Capitol Financial Solutions/ John Hancock Financial Network Jeremiah Fitzpatrick · Ameriprise Financial Services, Inc. Page 13

Allan Forbes · Forbes Financial Advocates Mary Weeks Fountain · Sterling Capital Management

Jason Beckert · Merrill Lynch

James Freeman · The Sedgewood Group/ Morgan Stanley Smith Barney

Greg Bennett · Wells Fargo Advisors, LLC Page 14

Paul Gaskin · Gaskin Asset Management

Robert Benton · Wells Fargo Advisors, LLC Michael Blair · CAPTRUST Financial Advisors

Robert Gaskin · Gaskin Asset Management David Gurley · Merrill Lynch

Brent Guyton · Wells Fargo Advisors, LLC

Robert Boggs · R.P. Boggs & Company

William Hadley · Wells Fargo Advisors, LLC

Aaron Bowman · Bowman Financial Group

Gary Hammond · Wall Street Capitol/ MetLife Securities Page 10

Susan Brown · Wells Fargo Advisors, LLC Ronald Bryson · Merrill Lynch

Daniel Hanvey · Ameriprise Financial Services, Inc.

Steven Scruggs · Bragg Financial Advisors

Kelly Burke · Integrated Financial Strategies

David Henkel · Wells Fargo Advisors, LLC

Scott Serfass · Ameriprise Financial Services, Inc.

J. Gordon Burns · Wells Fargo Advisors, LLC

Robert Higgins · Dalton Financial Services

Tennyson Shifley · Shifley and Associates

Matthew Burns · Wells Fargo Advisors, LLC

Don Stamas · Defender Capital Page 15

Stephen Bush · LPL Financial

Charles Trent · Gardner & White

Britt Byerley · Merrill Lynch

Patrick Twiest · Thompson Financial Group

Missy Carlson · Edward Jones

Eric Vetack · WellPoint Wealth & Retirement

Kellie Carroll · BB&T Investment Services

Mark Walker · Walker and Associates/ Ameriprise Financial Services, Inc. Page 15

Dwayne Clendaniel · Sharonview Financial Services

David Cichan · Merrill Lynch

Tom Higgins · Edward Jones

Jerod Hubbard · Wells Fargo Advisors, LLC Barbara Huffman · Wells Fargo Advisors, LLC Pete Hunt · Willingdon Wealth Management

Gregory James · Parsec Financial Wealth Management J. David Jones · Merrill Lynch

Matthew Kalajian · Janney Montgomery Scott

Graham Wilson · Sterling Financial Group

Jeffrey Coble · Wells Fargo Advisors, LLC Page 14

Robert Wisenbaker · Ameriprise Financial Services, Inc.

John Coble · Merrill Lynch

Robert Kemper · Bob Kemper Financial Group

Edwin Dalrymple · CAPTRUST Financial Advisors

Walter Kennedy · Wells Fargo Advisors, LLC

Dot Yandle · Dot Yandle Financial Services Page 12

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Michael Kreimer · Raymond James Page 15

Angela Ostendarp · Wells Fargo Advisors, LLC

Chad Kupreanik · Janney Montgomery Scott

Mark Pfeffer · Wells Fargo Advisors, LLC

Gary LaBrosse · Merrill Lynch

Kevin Phillips · Wells Fargo Advisors, LLC

Nick Langrall · Merrill Lynch

Jennifer Powel · Wells Fargo Advisors, LLC Page 14

James Larsen · Wells Fargo Advisors, LLC

Matthew Pratt · Thompson Financial Group

Patrick Long · Wells Fargo Advisors, LLC

Stephen Pulley · Ameriprise Financial Services, Inc.

Michel Maggio · Morgan Keegan & Company Carol Mansour-Ezzell · Janney Montgomery Scott Scott Mathews · Merrill Lynch

Nicholas Mathiason · Wells Fargo Advisors, LLC Brent Matzek · Wells Fargo Advisors, LLC Jason Mayer · Wells Fargo Advisors, LLC Paul Mayeux · Merrill Lynch

Mitch Mayfield · Wells Fargo Advisors, LLC David McClure · Wells Fargo Advisors, LLC Max McCollum · Robert W. Baird & Company

Todd McWhirter · Charles Schwab & Company

Deborah McWilliams · Merrill Lynch

Wil Mendieta · Wells Fargo Advisors, LLC

Bryan Midura · Wells Fargo Advisors, LLC Alexander Miles · Kingfisher Capital

Brian Moldenhauer · Ameriprise Financial Services, Inc. Gina Moore · Wells Fargo Advisors, LLC

Diego Morales · Wells Fargo Advisors, LLC David Morgan · Eastover Investment Advisors

Richard Morrow · Wells Fargo Advisors, LLC Richard Norkum · Norkum Wealth Management

Thomas Nunnenkamp · Wells Fargo Advisors, LLC Page 11

Jordan Raniszeski · Wells Fargo Advisors, LLC Richard Ranson · Ranson Capital Management

Jeffrey Spitz · Merrill Lynch

Al Stafford · Morgan Stanley Smith Barney Bill Staton · Staton Financial Advisors Bradley Stipp · Legacy Wealth & Retirement Planners Page 15

Richard Stolar · Wells Fargo Advisors, LLC James Teddy · Wells Fargo Advisors, LLC Page 8 Amy Thalman · Merrill Lynch

Scott Thompson · Thompson Wealth Advisors

Karen Trounson · Wells Fargo Advisors, LLC

Mary Rinehart · Rinehart Wealth Management

Bret Urbanski · Wells Fargo Advisors, LLC

Andrew Rose · Wells Fargo Advisors, LLC

Jeff Vandiver · Wells Fargo Advisors, LLC

Alison Rowe · Robert W. Baird & Company

Danny Vey · Edward Jones

Robert Rowell · Wells Fargo Advisors, LLC Page 14

Ray Watson · Ameriprise Financial Services, Inc.

David Rupprecht · Wells Fargo Advisors, LLC

Kelly Weaver · Weaver Wealth Management

John Ryan · Ryan Hess Morais Financial Associates

Michael Webber · Wells Fargo Advisors, LLC

Dennis Savell · Janney Montgomery Scott

Al Winget · Wells Fargo Advisors, LLC

Evan Scott · Merrill Lynch

Jason Wolff · Wells Fargo Advisors, LLC

Christopher Senvisky · Wells Fargo Advisors, LLC

Frederick Woltz · Morgan Keegan & Company

Lisa McIntire Shaw · Cygnus Asset Management Page 7

Michael Ziemer · Parsec Financial Wealth Management

Cheryl Sherrard · Rinehart Wealth Management

Taxation

Mary Sherrill · Wells Fargo Advisors, LLC Doug Smith · North Carolina Bank and Trust

Patricia Frame · Patricia Frame, CPA Norman Manley · BDO USA

Page 15

John McArthur, Jr. · McArthur & Company

H.B. Smith · Wells Fargo Advisors, LLC Page 12

Nuala McGee · Nuala McGee, CPA

Jared Smith · Wells Fargo Advisors, LLC

Jennifer Porter · Blair Bohlé and Whitsitt

Michael Sowers · Wells Fargo Advisors, LLC

Harriet Sealey · Harriet Clontz Sealey, CPA

Marilyn Spencer · Rinehart Wealth Management

Jared Mobley · K&L Gates

Carter Thompson · Williams McKinzie & Thompson

Daniel Sperow · 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.

www.fivestarprofessional.com: Five Star award information — FS 5

2012 Five Star Wealth Managers

Award winners listed by primary services and listed alphabetically by last name.

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2012 Five Star Wealth Managers

LePhew Financial Services Group We Begin by Getting to Know You

Comprehensive Financial Planning Services

Left to right: Back row: Pauleen Young, four-year winner Marsha LePhew, Rhonda Howell Front row: Sarah Louise Mickle, Michelle Lucas and Fran O’Quinn

• Where are you now financially? • Who and what is important to you? • Are you managing what you have in the best way possible?

LePhew Financial Services, Inc.

Credentials: Marsha G. LePhew, CPA, PFS, CFP®, ChFC®

At LePhew Financial Services, Inc., we recognize that making a decision to trust an adviser with assets you work a lifetime to accumulate is a very big step. If you grant us the privilege of being your adviser, we recognize our responsibility to you. We are committed to obtaining ongoing and up-to-date financial knowledge and keeping you informed on the changes you may need to make. We will also keep you informed as to

where you are in relation to your expectations. No matter how smart you are, your life experiences with money are primarily just your own. We have the benefit of watching hundreds of families progress through life with multiple challenges, successes and failures. We would welcome an opportunity to use that experience to help guide you.

452 Lakeshore Parkway, Suite 115 • Rock Hill, SC 29730 Phone: (803) 329-5125 [email protected] • www.lephew.com

FS 6 — Five Star award information: www.fivestarprofessional.com

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2012 Five Star Wealth Managers

Lisa McIntire Shaw Cygnus Asset Management

Working together to create specialized solutions for our clients

Left to right: Nathan Peterson, Grace Roakes, Justin Avery, Clif McIntire, Denise Avery, Five Star award winner Lisa McIntire Shaw

• A deep team of professionals with complementary skills and talents • Clients’ needs come first since we are independent • Diverse background and education enhance the client experience

Lisa McIntire Shaw, CFP®, CIMA®, Managing Partner Clif McIntire, CFP®, CIMA®, Partner

Thank you, clients of Cygnus Asset Management, most of whom we have served through the many market cycles.

Our “clients come first” philosophy is the foundation on which our company is built.

6805 Morrison Boulevard, Suite 490 • Charlotte, NC 28211 Phone: (704) 926-9800 www.Cygnusam.com

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 0712-05259].

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2012 Five Star Wealth Managers

James E. Teddy Premier Wealth Management

• Commitment to preservation of wealth • Optimistic about corporate America

• Belief in diversified holdings of stocks, bonds, alternative investments and cash Title: First Vice President – Investments Credential: PIM Portfolio Manager

In my 26 years in the investment business, I have had the opportunity to work with some of the greatest minds in the industry. I am proud to have had the opportunity to use their wisdom and experience to develop an elite client service and investment model designed to help maximize the investment returns of my clients, as well as allow for structured income distribution for my clients who are aging retirees. I am especially proud of my service team at Wells Fargo Advisors,

Kristin Prentice, Registered Client Associate, and Amy Williams, Client Associate. They are an integral part of my team and are committed to providing the highest level of client service.

I remain committed to the “old school” tradition of client relationships — “Know your client, know what they need and know how to help them achieve it.” Photo by Carolina Portrait Designs.

6000 Fairview Road, Suite 800 • Charlotte, NC 28210 Office: (704) 553-6385 [email protected] • home.wellsfargoadvisors.com/james.e.teddy

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 0712-05320].

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Providing Clarity and Confidence in Wealth Management

• Comprehensive financial planning • Active investment management

• Retirement and estate strategies

Left to right: Brian Needleman, three-year winner Jeff Carbone, Craig Rubrecht, two-year winner Andy Smith

Selecting a wealth management firm that can identify your financial goals and meet your expectations is critical. Our wealth management process integrates financial planning, risk management and a properly designed investment portfolio. As our clients' advocate, we listen to what is important to you and seek to understand your ambitions and objectives. Our team brings knowledge, experience and discipline to this process.

Cornelius, NC 28031 • Greenville, SC 29607 Phone: (704) 987-3410 • Toll-free: (800) 738-6734 [email protected] • www.cfpwealthplan.com

Securities offered through LPL Financial, Member FINRA/SIPC. Investment Advice offered through Cornerstone Financial Advisors, LLC, a registered investment advisor and separate entity from LPL Financial.

R. Timothy Curran

Independent | Experienced | Passionate

• Transition and retirement planning • Estate and tax planning

• Strategic asset management J.D., CERTIFIED FINANCIAL PLANNER™

Principal, LPL Financial Registered Representative

Independent: We answer only to our clients. We are not employees of any bank or brokerage firm and seek to avoid all conflicts of interest. Experienced: With 16 years in the business, Tim offers proactive counsel on any issue that may affect your finances.

Passionate: We strive for long-term relationships and seek clarity and efficiency in everything we do, including fees.

12610 North Community House Road, Suite 204 Charlotte, NC 28277 Office: (704) 540-2500, Ext. 9703 • Toll-free: (877) 540-2501 [email protected] • www.twcwealth.com

Securities offered through LPL Financial, Member FINRA/SIPC.

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2012 Five Star Wealth Managers

Cornerstone Financial Partners Team

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2012 Five Star Wealth Managers

Michael E. Fayed Your Personal CFO

• A retirement income planning specialist

Tw W o-Y in ea ne r r

• Providing goal-driven advice

• Managing $90 million-plus in client assets MBA, CPA, CFP®

Left to right: Two-year winner Michael Fayed and Bobbie Ledford

Just as every successful business relies on its CFO to lead the company to greater financial success, you can depend on Michael E. Fayed to guide you to greater financial freedom. Mike will work with you one on one, providing straightforward answers and insights tailored to your needs, your values and your goals. Together, you will develop a plan of action and implement sound financial solutions that will put you on track to realize your dreams.

420 Park Street, Suite 100 Belmont, NC 28012 Phone: (704) 266-5200

[email protected] www.mefplanning.com

Michael E. Fayed Financial Planning is an independent firm with securities offered through Summit Brokerage Services, Inc. Member FINRA & SIPC. Advisory services offered through Summit Financial Group, Inc., a Registered Investment Advisor.

Gary W. Hammond

Providing Creative, Flexible and Value-Based Strategies

• Wealth and investment strategies • Estate preservation

• Award-winning excellence

Left to right: Back row: Three-year winner Gary W. Hammond and Andrew King Front row: Wayne Greenough and Steven Carver

Wall Street Capitol, an office of MetLife, is a dynamic and innovative group of financial service professionals whose experience, resources and diversity positions the firm to offer financial strategies to individuals, professionals and business owners. With more than 60 years of collective experience in financial services, the firm possesses the knowledge, skill and fortitude required to help their clients meet the demands of today’s rapidly changing financial environment.

Titles: Financial Services Representative Financial Advisors

Wall Street Capitol, an office of MetLife 4521 Sharon Road, Suite 400 Charlotte, NC 28211 Phone: (704) 362-6271

[email protected] www.carolinasagency.com

Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities products and investment advisory services offered by MetLife Securities, Inc. (MSI) (member FINRA/SIPC) and a registered investment adviser. MLIC and MSI are MetLife Companies. L0712267935[exp0713][NC].

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Embracing Your Dreams, Understanding Your Fears

• Retirement advice aligned with values

• We pay attention to your life and wealth • A holistic approach to life planning

Left to right: Deb Stamets, Holly Prillaman, three-year winner Doug King and Wendy Whitehurst

Planning for retirement and investing in today’s economy can be intimidating. Finding a financial advisor you connect with, who embraces your values and provides sound advice can be hard. If you’re like most people, you want to understand your choices, so you can decide how to prepare for the future. That’s what you will get at King Financial Partners. Doug King and his team embrace your dreams and understand your fears. We welcome the opportunity to know you and your family.

Title: President Credential: CFS®

130 Harbour Place Drive, Suite 250 Davidson, NC 28036

Toll-free: (888) 890-4500 • Office: (704) 892-1288

[email protected]rs.com • www.KingFinPartners.com

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Merit Financial, Inc., a registered investment advisor. Merit Financial and King Financial Partners are separate entities from LPL Financial.

Thomas W. Nunnenkamp From Success to Significance

• Helping enhance your financial success • Helping secure your family’s future • Creating enduring significance

Left to right: Linda Kish and three-year winner Tom Nunnenkamp

Providing fee-based wealth management to a select group of affluent families is my focus. I help clients prioritize goals and develop a plan for their achievement. Often our discussion involves a desire to move from “success to significance.” I will work with you as I would my own family and aspire to build lasting relationships built on mutual trust and integrity.

Title: Associate Vice President – Investment Officer Credential: AAMS®

6000 Fariview Road, Suite 800 Charlotte, NC 28210 Phone: (704) 552-7222

[email protected] www.wfadvisors.com/thomas.nunnenkamp

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 0712-04792].

www.fivestarprofessional.com: Five Star award information — FS 11

2012 Five Star Wealth Managers

The King Financial Team

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2012 Five Star Wealth Managers

H.B. Smith

Helping You Optimize Your Life and Your Wealth

• We get to know you personally

• We understand what matters most to you

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• Clarify your vision, values, goals and concerns Title: Senior Vice President – Investment Officer Credentials: MBA, CIMA®

Left to right: Two-year winner H.B. Smith and Daniel Bryant

Our goal is to manage your family's wealth to minimize your stress and maximize your financial independence and personal well-being. The Smith Wealth Group of Wells Fargo Advisors recognizes the best way to serve you is to listen to your wants, needs and concerns. Once we understand what you want to accomplish, we explore the best opportunities to help you achieve a brighter future.

6000 Fairview Road, Suite 800 Charlotte, NC 28210 Phone: (704) 552-7222

[email protected] www.smithwealthgroup.com

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 0612-1260].

Dot Yandle*

Smart Approach to Wealth Management

• Creating investment strategies* that are completely customized to fit the unique financial situations of each of our clients • Emphasis on proactive and comprehensive financial planning*

Specializing in wealth strategies and retirement planning that incorporate important tax planning processes.

With more than 20 years of experience, integrity and unparalleled service with individuals, families, retirees and business owners, Dot Yandle*, CPA, has built a trusted reputation. Helping clients build sound portfolio strategies* specific to their needs is her focus. This is your invitation to experience what happens when tax expertise becomes an intrinsic part of the financial planning* process.

Dot Yandle Financial Services, LLC 8037 Corporate Center Drive, Suite 300 Charlotte, NC 28226 Phone: (704) 543-0690 Fax: (704) 543-7711

[email protected][email protected] www.dyandle.com

*Securities offered through H.D. Vest Investment ServicesSM, Member SIPC, Advisory Services offered through H.D. Vest Investment ServiceSM. Dot Yandle Financial Services, LLC is not a registered broker/dealer or independent investment advisory firm.

FS 12 — Five Star award information: www.fivestarprofessional.com

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Jake Garman

13830 Ballantyne Corp. Pl., Ste. 200 Charlotte, NC 28277 Direct: (704) 916-6894 Toll-free: (800) 234-1130, Ext. 6894 jeremiah.c.fi[email protected]

6100 Fairview Rd., Ste. 1105 Charlotte, NC 28210

Phone: (704) 556-9250, Ext. 15 [email protected]

ameripriseadvisors.com/jake.g.garman

ameripriseadvisors.com/jeremiah.c.fitzpatrick

Dream > Plan > Track >®

Shaping Financial Solutions for a Lifetime

• Wealth management and preservation strategies • Investment and retirement income strategies • Insurance protection and estate planning strategies

• Wealth management and investment strategies • Retirement planning with a focus on wealth preservation • An Ameriprise Platinum Financial Services practice

Titles: Financial Advisor, Vice President

CERTIFIED FINANCIAL PLANNER™ practitioner

My approach: I believe that taking a disciplined and integrated approach to planning for your dreams and goals is the best way to reach them. 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. I am licensed and registered to conduct business in NC. Based on licenses and registrations I hold, I may also conduct business in NJ, TX, MI, SC, NY, DE, NM, PA, VA, FL, CA, IL, MA, ME, KY, NV, CO, CT, NH, GA, OH, RI.

W I N N E R

Our unique Seasonal Client Servicing® approach delivers proactive, flexible and relevant financial direction. Our practice believes success comes from defining your goals, then following a disciplined approach. We strive to help you make the right decisions at the right time. 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.

Judson Gee

Tony Montanari

1370 Briar Creek Rd. Charlotte, NC 28204 Office: (704) 536-3423 www.jhgfinancial.com

1370 Briar Creek Rd. Charlotte, NC 28205 Direct: (972) 581-3055 Cell: (704) 779-3909 [email protected] www.ACM-Wealth.com

Helping You Pursue Financial Freedom

Independent and Customized Advice

• Passionate about personalized financial planning • Passionate about attention to detail • Passionate about the community and giving back

• Comprehensive financial and investment planning • Proactive client communication • Will coordinate with your CPA and attorney

Focus: Retirement, Estate and Income Planning Wealth Management

Title: Managing Director

Credentials: CEP®, LPL Investment Adviser Representative

Credentials: CIMA®, AAMS®

Managing wealth today is a complex and time-consuming process. It requires constant coordination and monitoring. Since 1994, my commitment to provide a higher standard of customer service and attention to detail is clear. We take pride in intimately knowing our clients’ dreams and providing exceptional financial planning strategies to help them work towards financial freedom. With a commitment to the public, he has been recognized in his industry and community.

As a fee-based independent advisor, ACM Wealth Management creates comprehensive and unbiased financial strategies to help build, protect and transfer clients’ wealth. Understanding what is most important to you, we then develop a clear long-term plan that considers your needs, your goals and your priorities. After the initial plan is developed, we take an active role in the pursuit of these goals.

Securities and financial planning offered through LPL Financial, a Registered Investment Adviser. Member SIPC/FINRA.

Securities and advisory services offered through Prospera Financial Services, Inc Member FINRA/SIPC.

www.fivestarprofessional.com: Five Star award information — FS 13

2012 Five Star Wealth Managers

W I N N E R

Jeremiah Fitzpatrick

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Robert A. Rowell

Wells Fargo Advisors, LLC

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6000 Fairview Rd., Ste. 800 Charlotte, NC 28210

5648 Central Ave. Charlotte, NC 28212 Phone: (704) 373-4934 Toll-free: (866) 578-3654 [email protected]

Phone: (704) 551-4887 Toll-free: (800) 955-2522

[email protected]

Comprehensive Personalized Advice

Fully Invested in Your Success

• Customized investment planning • Unbiased, detailed action plans • Long-term client relationships

• Personal, professional caring advice • Financial advice aligned with client values • A consistent investment planning process

Associate Vice President – Investment Officer

Financial Advisor, Vice President – Investments

Jennifer is a dedicated professional who derives her satisfaction from the successes and financial well-being of the people she helps. She provides counseling and financial advisory services in the areas of retirement planning, executive compensation benefits, risk management and taxadvantaged investment strategies to name a few. Jennifer believes that listening and understanding a client's comprehensive financial picture is part of the key to a successful relationship.

As a financial advisor, I dedicate my practice to helping my clients grow and preserve their wealth through sound wealth planning strategies. I am committed to providing my clients with a strategic course of action that will help them pursue their long-term 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 0712-05366 7/19/12].

Not FDIC-Insured NO Bank Guarantee MAY Lose Value Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & company.

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 0712-05170]. Investment and Insurance Products:

Find a financial planner who will take the time to educate you, eliminate the mystery and put you on the correct path. — Five Star award winner

John J. “Jody” Carpenter

Culp Elliott & Carpenter, P.L.L.C. 4401 Barclay Downs Dr., Ste. 200 Charlotte, NC 28209 Phone: (704) 973-5343 [email protected] www.ceclaw.com

130 Harbour Place Dr., Ste. 200 Davidson, NC 28036 Phone: (704) 990-7060 [email protected] Title: Vice President – Investment Officer

Greg has more than 15 years’ experience p ro v i d i n g we a l t h m a n a g e m e n t a n d investment income services to families and retirees. 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 0612-0844].

Titles: Attorney and CPA

Practice areas: tax, estate planning, probate law, asset protection planning, real estate taxation and IRS controversy work. Noteworthy: Martindale-Hubbell AV Preeminent - Highest Possible Rating in Both Legal Ability and Ethical Standards; NC Legal Elite - Tax/Estate Planning; Selected for inclusion in North Carolina Super Lawyers (2006-2012); NC Board Certified Specialist in Estate Planning and Probate Law; NC CPA License 14796.

FS 14 — Five Star award information: www.fivestarprofessional.com

Jeffrey Coble

16700 Statesville Rd. Huntersville, NC 28078 Phone: (704) 895-8144 [email protected]

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Greg Bennett

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2012 Five Star Wealth Managers

Jennifer S. Powel

www.wfadvisors.com/jeff.coble Financial Advisor

I am committed to helping clients plan effectively and invest wisely. 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. Investment and Insurance Products: NOT FDIC-Insured NO Bank Guarantee May Lose Value Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. [CAR 0712-05417 7/18/12].

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3325 Springbank Ln., Ste. 302 Charlotte, NC 28226 Office: (704) 759-8150 Toll-free: (877) 859-7990 [email protected] www.ffs-nc.com

Carl L. King

Michael W. Kreimer

Culp Elliott & Carpenter, P.L.L.C. 4401 Barclay Downs Dr. Charlotte, NC 28209 Phone: (704) 372-6322 [email protected] www.ceclaw.com

5950 Fairview Rd., Ste. 12 Charlotte, NC 28210 Office: (704) 654-8308

Title: Partner

Registered Principal, CERTIFIED FINANCIAL PLANNER™

CFP®, ChFC®, CLU®

Our approach to serving clients is somewhat unique to the industry. We place an emphasis on creating custom plans for achieving financial freedom for each of our clients. Our goal is for each client to be successful … no matter how they may define success. Asset Allocation does not ensure a profit or protect against a loss. Securities and Financial Planning offered through LPL Financial, A Registered Investment Advisor Member FINRA/SIPC.

Carl routinely represents high-net-worth individuals, families and family offices on a variety of sensitive and complex estate and business planning matters. Also, Carl helps his clients reach their planning goals through effective trust and estate administration and charitable planning.

Tax Partner

Norman is a tax specialist with more than 31 years of public accounting experience. He works with high-net-worth individuals and entrepreneurs in achieving their goals and is recognized as a “most trusted advisor” by the clients he serves. He has a reputation for being responsive and proactive.

Wealth manager. Retirement income planner. In today's rapidly changing world, retirement planning has never been more challenging. Michael delivers fully integrated financial strategies to map a personal, comprehensive and thoughtful retirement strategy. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC.

Norman F. Manley BDO USA, LLP 1001 Morehead Sq. Dr., Ste. 300 Charlotte, NC 28203 Direct: (704) 887-4231 Cell: (704) 241-2857 [email protected] www.bdo.com

[email protected]

www.raymondjames.com/kreimer

W I N N E R

Don G. Stamas

Bradley T. Stipp

Defender Capital 1310 S Tryon St., Ste. 101 Charlotte, NC 28203 Office: (704) 373-1716 [email protected]

6525 Morrison Blvd., Ste. 314 Charlotte, NC 28211 Office: (704) 255-1717 Cell: (704) 904-4177 [email protected] www.legacywrp.com

Managing Partner, CFP®, CLU®

Defender Capital is a fee-based private wealth management firm that serves as an individual's financial compass. We combine true financial planning, sound investment management and the resources of a global financial firm with the personal touch of a boutique. Securities and Financial Planning offered through LPL Financial, Member FINRA/SIPC.

Partner, LPL Financial Advisor

Brad has more than 28 years of experience as a financial advisor working with private clients and small businesses. He uses an “advance and protect” approach to managing clients' assets. Understanding goals, developing trust and providing excellent service are key to long-lasting client relationships. Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.

Mark Walker

W I N N E R

7401 Carmel Exec. Pk., Ste. 300 Charlotte, NC 28226 Phone: (704) 540-9996 Toll-free: (866) 910-PLAN (7526) [email protected] www.markwalkeradvisor.com Private Wealth Advisor, CFP®

“Wishful thinking is not planning. If you plan for the worst, you will never be unpleasantly surprised.” — Five Star award winner

Walker and Associates, a private wealth advisory practice of Ameriprise Financial Services, Inc. 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. © 2012 Ameriprise Financial, Inc., All rights reserved.

www.fivestarprofessional.com: Five Star award information — FS 15

2012 Five Star Wealth Managers

Curt S. Heinz

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