Five Star Wealth Managers - Five Star Professional

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nancial advisors, financial planners, investment advisors, .... Five Star Professional conducts a regulatory review of each nominated wealth manager using the Investment Adviser Public ... David Brown ∙ Ameriprise Financial Services,. Inc.
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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:

nancial 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.

Sacramento 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 92 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 are fi-

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 4 percent of the wealth managers in the Sacramento area.(1)

Although this list is a useful tool for anyone looking for help in managing their financial world or implementing aspects of their financial strategies, it should not be considered exhaustive. Undoubtedly, there are many excellent wealth managers who, for one reason or another, are not on this year’s list.

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. Sacramento award candidates were identified using internal and external research data, including a survey to more than 3,000 registered financial services professionals and all identified financial service companies in the area that are registered with FINRA or the SEC.

Candidates

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

2012 Five Star Wealth Managers

2012 Sacramento

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Determination

Special Advertising Section ­

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 92 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 $77 million in client assets).

9. Number of client households served (on average, this year’s award winners serve 225 households). 10. Education and professional designations.

Research Disclosures

• W  ealth 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 and Sacramento magazine. • Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by 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) 881 award candidates in the Sacramento area were considered for the Five Star Wealth Manager award. 175 (approximately 20 percent of the award candidates) were named 2012 Five Star Wealth Managers. The 175 award winners represent less than 3 percent of the total wealth managers in the area.

(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 14,500 households in the Sacramento 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.

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Business Planning

Lawrence Hansen ∙ Capital Planning Advisors

Estate Planning

Clark Allison ∙ Counsel Protect

Robin Bevier ∙ Law Offices of Robin C. Bevier Kay Brooks ∙ Weintraub Genshlea Chediak

Robert Duncan ∙ Duncan Law Professional Chuck Ebersole ∙ Foord Van Bruggen Ebersole & Pajak

Jana Ellerman ∙ Law Offices of Guthrie & Ellerman Jugjit Johal ∙ CVM Law Group

Page 10

Irving Joseph ∙ Meissner Joseph & Palley

Ernest Krtil ∙ Wilke Fleury Hoffelt Gould & Birney Timothy Murphy ∙ Murphy Law Firm

Paul Meyerhoff ∙ Symphony Financial Planning

Tarik Eldin ∙ Sacramento Credit Union

Cynthia Meyers ∙ Cynthia S. Meyers

Kent Elliott ∙ Robert W. Baird & Company

Troy Miller ∙ Troy E. Miller

Ann Fagan ∙ Fagan Financial Planners

David Nakamura ∙ Morgan Stanley Smith Barney

Larry Frank ∙ Better Financial Education Mark Frederick ∙ First Allied Securities Mark Fujiwara ∙ Morgan Stanley Smith Barney

Mark Umeda ∙ Law Office of Mark Y. Umeda

Financial Planning

K. Randall Alston ∙ Foothill Securities Page 11

Eric Andersen ∙ Perennial Pension & Wealth Leonard Atkinson ∙ The Investment Center

David Aton ∙ Ameriprise Financial Services, Inc. David Bastoni ∙ Bastoni Financial Services

Page 8

David Brown ∙ Ameriprise Financial Services, Inc. Christopher Bulman ∙ Cornerstone Financial Partners Steven Burnett ∙ Hanson McClain Advisors

Daniel Cairns ∙ Robert W. Baird & Company

Chris Carolan ∙ Morgan Stanley Smith Barney Andrew Cloninger ∙ Merrill Lynch

Jeffrey DeBoer ∙ DeBoer Financial Group Page 9

David Deruelle ∙ RBC Wealth Management Patrick Donnelly ∙ Cornerstone Financial Partners Page 8

Gary Pevey ∙ Wealth Design Group Daryl Powell ∙ Charles Schwab

Michael Rodegerdts ∙ Ameriprise Financial Services, Inc.

David Hedger ∙ Liberty Group

Scott Roseman ∙ Roseman Wagner Wealth Management

David Herman ∙ LPL Financial

Richard Huchingson ∙ Christian Financial Strategies Heidi Hunter ∙ Thrivent Financial

Ellwood Jones ∙ Capital Region Financial Group

Kelly Kaneski ∙ Kaneski Associates Financial & Insurance Services/New York Life

Richard Allison ∙ Allison Wealth Management Page 11

Kimberly Ogden ∙ Atherton Wealth Advisors

Garrick Gookin ∙ South Placer Wealth Management Group

Amanda Johnson ∙ Ameriprise Financial Services, Inc.

Tracy Potts ∙ Legacy Law Group

James Biller ∙ Wedbush Securities

Edward Dower ∙ American Eagle Wealth Advisors

Seth Kaplan ∙ Robert W. Baird & Company Page 11 Trevor Kern ∙ Zeller Kern Private Wealth Management Dan Koch ∙ Raymond James Financial Services

Kayle Larsen ∙ Larsen Wealth Management Stanley Leong ∙ Ameriprise Financial Services, Inc.

John Lewis ∙ Ameriprise Financial Services, Inc.

Rashida Lilani ∙ Lilani Wealth Management Gregory Lucas ∙ Lucas Group Financial Planners

Gary Malkasian ∙ Gary Malkasian Insurance & Financial Services

Patrick McClain ∙ Hanson McClain Advisors Courtney McHarg ∙ Ameriprise Financial Services, Inc. Bret McIntosh ∙ Merrill Lynch

Thomas Melton ∙ Melton Financial Group Wealth Advisory

Robert Roth ∙ Ameriprise Financial Services, Inc. Page 5

George Salidas ∙ Morgan Stanley Smith Barney Matthew Schmitt ∙ Robert W. Baird & Company Roger Schreffler ∙ VALIC Financial Advisors Page 6 Judy Seibold ∙ Merrill Lynch

Derek Seo ∙ Ameriprise Financial Services, Inc. Page 7 Cyril Shah ∙ Raymond James Financial Services

Kevin Shimmel ∙ Morgan Stanley Smith Barney William Silva ∙ Ameriprise Financial Services, Inc. Page 12

Oscar Snyder ∙ Snyder Wealth Management Group Page 12 Richard Staff ∙ First Allied Securities

David Stone ∙ Stone Consulting Group Kent Suemnicht ∙ Thrivent Financial

Paul Swagart ∙ Financial Network Investment Corporation Stephen Swarbrick ∙ Weston & Tuttle Wealth Advisors Gene Tabb III ∙ Sierra Wealth Management Stephen Taylor ∙ Bancwest Investment Services Nigel Templeman ∙ New York Life

Violetta Terpeluk ∙ Ameriprise Financial Services, Inc.

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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.

Timothy Vas Dias ∙ Ameritas Investment Paul Wheeler ∙ Ameriprise Financial Services, Inc. Page 10

Leland Crawford ∙ Wells Fargo Advisors, LLC Page 9

David Nielsen ∙ Southwest Securities

Richard DeBono ∙ Avisen Securities

Jody Nunez ∙ Cornerstone Financial Partners Page 8

Marilyn White ∙ Private Wealth Management

Kevin Dedenbach ∙ Wells Fargo Advisors, LLC

Karin Owens ∙ First Allied Securities

Robert Young ∙ Main Street Wealth Group

Steven Deelstra ∙ Merrill Lynch

Craig Parker ∙ Morgan Stanley Smith Barney

Steven Zeller ∙ Zeller Kern Private Wealth Management

Michael DePhilippis ∙ Edward Jones

Adam Persily ∙ Robert W. Baird & Company

James Diepenbrock ∙ Morgan Stanley Smith Barney

Kenneth Peters ∙ Wells Fargo Advisors, LLC

Insurance

Thomas Nguyen ∙ Farmers Insurance Group Daryl Seaton ∙ New York Life

Investments

Ariel Agustin ∙ Merrill Lynch

Kable Doria ∙ Ameriprise Financial Services, Inc. Jason Ezzell ∙ Merrill Lynch

Rani Pettis ∙ Wells Fargo Advisors, LLC Ryan Prestimonico ∙ Charles Schwab Mark Ray ∙ Praxis Consulting

Christeen Reeg ∙ Wells Fargo Advisors Financial Network, LLC Page 11

Robert Ferriman ∙ Robert W. Baird & Company

Paul Rees ∙ Wells Fargo Advisors, LLC Page 11

Mark Aizenberg ∙ Wells Fargo Advisors, LLC Page 11

Brian Fox ∙ Merrill Lynch

Norma Andrade-Casanova ∙ Wells Fargo Advisors, LLC

Robert Gibson ∙ Gibson Capital Management Page 11

Jason Arnold ∙ Merrill Lynch

Dru Gilbert ∙ Wedbush Securities

Jeffrey Auwinger ∙ Wells Fargo Advisors, LLC

Lucas Giordano ∙ Main Street Wealth Group

Louis Barrientos ∙ Placer Summit Financial Group

Scott Gordon ∙ Wells Fargo Advisors Financial Network, LLC

Michael Batt ∙ Wedbush Securities

Diova Gray ∙ Main Street Wealth Group

Melanie Bergevin ∙ Edward Jones

Wolfgang Hawlisch ∙ Merrill Lynch

Joyce Blonskij ∙ Blonskij Financial Services Page 9

Brad Heaps ∙ Charles Schwab

Timothy Brockway ∙ Asset Strategies Group Page 9

Steve Heng ∙ Wells Fargo Advisors, LLC

Scott Van Epps ∙ Lighthouse Strategic Advisors

James Hennessy ∙ Wedbush Securities

Kimmy Wan ∙ Charles Schwab

Fred Jackson ∙ Edward Jones

Rod Waterbury ∙ Placer Summit Financial Group

Kenneth Brown ∙ Avisen Securities

Robert Burton ∙ Wells Fargo Advisors, LLC John Carr ∙ Merrill Lynch

Mark Chapman ∙ Morgan Stanley Smith Barney Raymond Chow ∙ Wedbush Securities Page 8 Shawn Claycomb ∙ Claycomb Wealth Management Douglas Conklin ∙ Merrill Lynch

Michael Corbella ∙ Merrill Lynch

William Corley ∙ Cambridge Investment Research Kevin Corrigan ∙ Woodbury Financial Services

Lesa Franklin-Johnson ∙ Edward Jones

Julie Small ∙ Merrill Lynch

Page 8

Mary Kobane ∙ Wells Fargo Advisors, LLC Page 11 Matthew Larsen ∙ Edward Jones

Page 11

Lew Lemon ∙ Golden 1 Credit Union Sean Lucas ∙ Merrill Lynch

Douglas MacFarlane ∙ Robert W. Baird & Company Ellen MacInnes ∙ Morgan Stanley Smith Barney Thomas Marx ∙ Merrill Lynch

Joseph McGann ∙ Southwest Securities Martin Meier ∙ LPL Financial

Stephen Smith ∙ Morgan Stanley Smith Barney Page 12 Judith Steele ∙ First Allied Securities David Thomas ∙ Merrill Lynch

Scott Thomas ∙ Placer Summit Financial Group Dru Torvend ∙ Hometown Advisors

Kevin Kimura ∙ Merrill Lynch

Bill Lawver ∙ Foothill Securities

John Schoeppach ∙ Merrill Lynch

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Bryan Wertzer ∙ Sutley Wertzer

Johnathan Wilson ∙ Stifel, Nicolaus & Company

Jeffrey Won ∙ Morgan Stanley Smith Barney

Bruce Yoshida ∙ Robert W. Baird & Company John Zezini ∙ Edward Jones

Taxation

Burton Douglass ∙ Douglass & Company, CPA Darrell Dwyer ∙ Dwyer and Company Sue Hullen ∙ Hullen Accountancy

Sheila McGovern ∙ McGovern Planesi & Walters

Michael Wilson ∙ Wilson Wilson & Taylors, CPAs

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.

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2012 Five Star Wealth Managers

Robert J. Roth

Helping Clients Prepare for the Certainty of Uncertainty

Areas of Focus: Helping you protect the things that matter the most

Left to right: Three-year winner Robert Roth, Michele De George, Leonard Watson, Lloyd Gong, Stacy Camarillo, Eric Stohl and Carlee Hartley

• Professional advocacy for your financial independence • A trusting and safe environment to share your financial concerns • More than 80 years of combined industry experience for my team

Robert Roth: Financial Advisor, CERTIFIED FINANCIAL PLANNER™ Designations: CFP®, CFS®

With more than 23 years of experience, it has been my pleasure to listen, educate and advocate for clients’ financial wellbeing. This dedication to service, advice and commitment to clients achieving their goals has resulted in multigenerational client relationships.

2356 Gold Meadow Way, Suite 160 • Gold River, CA 95670 Phone: (916) 635-7801 • Fax: (916) 635-7814 [email protected] • ameripriseadvisors.com/robert.j.roth

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

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

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2012 Five Star Wealth Managers

Roger Schreffler

Support, Service and Proven Leadership

• Comprehensive approach anchored in your values • Providing you with personalized financial solutions Title: Investment Advisor Representative

The recent portentous market has turned traditional money management styles upside down. Armed with more than 17 years of industry experience and access to a full range of investment products, I have had the privilege of guiding my clients through these unprecedented times. In my practice, I focus on four interlocking key areas: asset preservation, investment management, tax-reduction strategies and lifetime income strategies. There is no better time than now to take control of your future. Call us today to schedule a complimentary appointment and discover what makes us different.

Three-year winner Roger Schreffler and Kirsten Jorgensen

VALIC Financial Advisors, Inc.

2901 Douglas Boulevard, Suite 150 • Roseville, CA 95661 Office: (916) 749-2933 • Cell: (916) 402-4650 [email protected] • www.VALIC.com

Securities and investment advisory services are offered by VALIC Financial Advisors, Inc., member FINRA and an SEC-registered investment advisor. VALIC represents The Variable Annuity Life Insurance Company and its subsidiaries, VALIC Financial Advisors, Inc. and VALIC Retirement Services Company.

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2012 Five Star Wealth Managers

Derek Seo

Loyal • Innovative • Caring

Area of Focus: Retirement Planning and Family Wealth Management services

Left to right: Tony Bell, Jeanne Dendas, Five Star award winner Derek Seo, Audrey Seo, Norielle Gottschalk

• Comprehensive, fee-based financial planning • Investment and insurance management strategies • Estate and long-term care planning strategies

Title: Financial Advisor

Designation: CERTIFIED FINANCIAL PLANNER™ practitioner

Not all of life’s problems can be solved with a stock or bond mutual fund. That’s why we focus on your complete financial picture before recommending solutions that will work for you. You’ll feel better about your future knowing you have a loyal

and knowledgeable team of professionals here to help you make sense of today’s complex financial world. Come see what personalized advice along with world-class financial products can do for you.

Seo and Associates, a financial advisory practice of Ameriprise Financial Services, Inc. 4600 Duckhorn Drive • Sacramento, CA 95834 Office: (916) 554-7650 [email protected] • www.derekseo.com

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.

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2012 Five Star Wealth Managers

Cornerstone Financial Partners Committed to Your Success

• Retirement income, 401(k) rollovers

• Investment management, risk management • Charitable funding

Title: Financial Advisors

Left to right: Three-year winner Jody R. Nunez and two-year winner Patrick M. Donnelly

Cornerstone Financial Partners LLC congratulates Jody Nunez and Patrick Donnelly for being selected as 2012 Five Star Wealth Managers. Through your repeated selection, you have shown that you continue to deliver excellent service to your clients. Jody Nunez and Patrick Donnelly have more than 35 years of combined experience serving the greater Sacramento area. You can count on Jody and Patrick being there through your retirement. Make them a part of your future.

Cornerstone Financial Partners

2377 Gold Meadow Way, Suite 100 • Gold River, CA 95670 1024 Iron Point Road • Folsom, CA 95630 Jody: (916) 519-1148 • Patrick: (916) 357-6535

www.jodynunez.com • [email protected]

Patrick M. Donnelly and Jody Nunez, Investment Advisor Representatives. Securities and investment advisory services offered solely through Ameritas Investment Corp. (AIC), member FINRA, SIPC. AIC and Cornerstone Financial Partners LLC are not affiliated. Additional products and services may be available through Cornerstone Financial Partners that are not offered through AIC. Securities email: [email protected] Jody R. Nunez CA Insurance License #0765341 • Patrick M. Donnelly CA Insurance License #0D29269.

Dru Gilbert, James Biller and Raymond Chow Our Philosophy Is Clients First … We Listen to You

• Municipal sales and trading

• Financial and estate planning • Wealth management

Left to right: Three-year winner Raymond Chow, 2012 winner Dru Gilbert and two-year winner James Biller

Dru Gilbert, Vice President Raymond Chow, Senior Vice President – Investments James Biller, Vice President – Investments

Founded in 1955, Wedbush Securities is one of the largest private securities firms and investment banks in the nation. With more than 100 offices, our private client services group specializes in providing brokerage and advisory services to both institutional and private clients.

www.wedbush.com. Member NYSE/FINRA/SIPC.

FS 8 — Five Star award information: www.ivestarprofessional.com

455 Capitol Mall, Suite 150 Sacramento, CA 95814 Toll-free: (866) 286-6016 Phone: (916) 325-0449 www.wedbush.com

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Timothy A. Brockway

Blonskij Financial Services, Inc.

7840 Madison Ave., Ste. 107 Fair Oaks, CA 95628 [email protected] www.OwnTheClouds.com

Author of “Own the Clouds”

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Office: (916) 534-7327

1792 Tribute Rd., Ste. 270 Sacramento, CA 95815 Office: (916) 641-6650, Ext. 259 Cell: (916) 715-0557 [email protected] www.asginc.com

Extraordinary Financial Services

• Discover what the future holds for in-the-know investors • Download a free chapter at www.OwnTheClouds.com • Join the launch party, March 6th, at www.OwnTheClouds.com Own the Clouds Party Starts at Midnight.

Asset Management, Estate Planning, Insurance/Employee Benefits Titles: President, CEO

Are you ready to focus on your financial future but aren’t sure how to get there? In today’s turbulent economic environment, we help take the mystery out of investing, preparing for retirement and preserving wealth. With more than 25 years of industry experience, Joyce Blonskij offers cutting-edge views and a strong degree of market intelligence that’s important for helping clients recognize the possibilities that lie ahead. Email Joyce to speak at your next event or visit Blonskij Financial Services, www.blonskij.com, to learn more.

Registered Representative. Securities offered through Cambridge Investment Research, Inc., a Broker/ Dealer, Member FINRA/SIPC. Investment Advisor Representative Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Blonskij Financial Services Inc. are not affiliated.

Our mission has always been to redefine the financial services industry on behalf of our clients. Through diligent design, professional assistance with their financial strategy and dedicated advocacy, we benefit our clients and grow them into their own ambitions while we continually gather faithful partners committed to the shared vision of unwavering and quality service. ASG and Asset Strategies Group are the marketing names of ASG Financial and Insurance Services, Inc. (CA License 0D51756). Securities offered through MML Investors Services, Inc. ASG, Asset Strategies Group and ASG Financial and Insurance Services, Inc. are not affiliates or subsidiaries of MML Investors Services, Inc.

Leland M. Crawford

Jeffrey DeBoer

400 Capitol Mall, 17th Fl. Sacramento, CA 95814 Direct: (916) 491-6365 [email protected]

1013 Galleria Blvd., Ste. 205 Roseville, CA 95678 Office: (916) 797-1888 jeff@deboerfg.com www.deboerfg.com

Discretion • Integrity • Trust

Guiding You Through a Secure Retirement

• Client focused • Customized, unbiased advice • Retirement planning, wealth preservation

• Independent, objective advice to help you achieve your goals • Exceptional personal service and communication • Experts in asset preservation and tax-reduction strategies

Designations: Certified Investment Management AnalystSM (CIMA®)

Areas of Focus: Retirement Income, Investment, Tax and Estate Planning

Title: Senior Vice President – Investment Officer

As a 29-year veteran, Leland values working with people who take their investments seriously. He works with individuals, corporations and foundations to create investment portfolios tailored to meet specific financial needs. Call him directly or email him anytime for information or to schedule a private consultation. Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 0112-4271].

Smart planning starts with really understanding your personal financial needs and goals. Only then will we develop personally customized strategies to help connect all the pieces of your financial life into a cohesive plan for your secure future. We believe that you deserve to work with a team who shares your vision, earns your trust and works diligently to help you attain the life you desire for you and your family. Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Advisor.

www.fivestarprofessional.com: Five Star award information — FS 9

2012 Five Star Wealth Managers

Joyce Blonskij

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2012 Five Star Wealth Managers

Jack S. Johal

Martin R. Meier

CVM Law Group, LLP 8795 Folsom Blvd., Ste. 200 Sacramento, CA 95826

7919 Pebble Beach Dr., Ste. 202 Citrus Heights, CA 95610 Office: (916) 863-3100 [email protected] www.lpl.com/martin.meier

Phone: (916) 889-8213 [email protected] www.cvmlaw.com

CA Insurance Lic. No. 0819321

Experienced • Knowledgeable • Compassionate

Independence, Integrity, Service, Ethics

• 30 years of experience in business, tax and estate planning • Creating comprehensive solutions to complex problems • Personalized planning for business and personal needs

• Solutions for retirement and estate planning • Personalized goal-oriented advice • 30 years of experience

Areas of Focus: Estate, Business, Tax and Charitable Planning

Titles: LPL Financial Advisor, Branch Manager

Designations: JD and LL.M. in Taxation

Designation: MBA

Johal has advised high-net-worth clients in all areas of taxation, including income, estate, gift and property tax. As more specialization occurs in wealth management and planning, it is rare to find an attorney who has the experience and knowledge required to find solutions to complex estate, business and tax planning issues and goals. Involved in drafting California legislation, he remains on the cutting edge of new developments. Always available to his clients, he has surpassed the concept of personal service.

I have 30 years' experience assisting clients in navigating their way to retirement and then through retirement. Manage retirement income and risk using custom-designed investment portfolios that address your personal needs. Utilize IRA, IRA rollover strategies, annuities, tax-advantaged investments and living trusts in the planning process. Plan ahead for life transitions. Operate in a Christian, family-friendly environment where honesty, integrity, and customer needs and service always come first. LPL Financial. A Registered Investment Advisor. Member FINRA/SIPC.

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Paul Wheeler

8080 Madison Ave. Fair Oaks, CA 95628 Office: (916) 536-9098 [email protected] www.ameripriseadvisors.com/ paul.k.wheeler

All About You

• More than 20 years of business experience • Wealth preservation in volatile markets • Comprehensive, thorough and dynamic financial planning

Transition to Retirement, Retirement Income, Wealth Preservation Strategies, Legacy Planning

As a financial advisor for 20 years, Paul, CFP® has been assisting and guiding clients toward creation and preservation of wealth. In a fastpaced, volatile world, he uses a comprehensive approach to financial planning in conjunction with adaptive and responsive investment systems that result in customized solutions for individual clients. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

FS 10 — Five Star award information: www.ivestarprofessional.com

“Wealth will only come as a result of living beneath your means. Saving even a small amount every month can grow to something significant.” — Five Star award winner

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[email protected] www.AllisonWealthManagement.com

Mr. Alston is a registered principal and shareholder of Foothill Securities, Inc. Randy has been serving his clients since his arrival in Sacramento in 1984. Independent of Foothill Securities, Inc., Randy also owns and operates Arden Tax Services as a licensed tax preparer. The CLU® designation, the highest in the life insurance industry, is also part of Randy’s resume.

Richard’s business is built on integrity, trust and service. He focuses on understanding his clients’ goals, educating them about options and providing customized solutions. Richard K. Allison is a Registered Representative of and offers Securities through Securities America, Inc. Member FINRA/SIPC, Advisory Services offered through Securities America Advisors, Inc., Richard K. Allison Investment Advisor Representative. Allison Wealth Management and the Securities America Companies are not affiliated. CA Insurance Number OD67551.

Foothill Securities, Inc. is a Registered Broker Dealer and Investment Advisor. Member FINRA & SIPC.

Seth L. Kaplan

Mary Kobane

Gibson Capital Management 720 Howe Ave., Ste. 102 Sacramento, CA 95825 Office: (916) 922-9999 Cell: (916) 390-3975 [email protected]

300 University Ave., Ste. 200 Sacramento, CA 95825 Office: (916) 563-2010 [email protected] sethkaplanfinancialadvisor.com

400 Capitol Mall, Ste. 1700 Sacramento, CA 95814 Office: (916) 443-4493 Toll-free: (800) 877-7783

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Bob Gibson

Guaranteed lifetime income strategies for self and spouse. Defensive money management strategies for uncertain times. Lifestyle protection and lifetime retirement income planning strategies. Holistic financial life planning for individuals and families.

Bob Gibson, MS, CFP®, CFS®, CNHP, TCP, is a Registered Principal of, and securities offered through, Foothill Securities, Inc., member FINRA/SIPC. Foothill Securities and Gibson Capital Management are not affiliated companies.

[email protected] Title: Vice President – Investments

Sr. Vice President, CFP®, CDFA™, CFFA

Great outcomes done well. Whether delivering traditional financial planning and investment management advice, or specialized financial analyst services for those going through the transition of divorce, that is our goal in all client experiences. Robert W. Baird & Co. Member SIPC.

Focusing on you, your family and your dreams. Genuine client care and concern. “Striving to make a positive difference in my clients’ life.” Fully oriented toward your success by creating a personalized investment plan.

Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 0112-1131A].

Bill Lawver

Christeen Reeg

Paul Rees

Bill Lawver & Associates 1624 Santa Clara Dr., Ste. 250 Roseville, CA 95661 Office: (916) 782-9400 [email protected] BillLawverTaxFinancial.com

1130 Iron Point Rd., Ste. 100 Folsom, CA 95630 Office: (916) 932-0151 [email protected] www.chrisreeg.wbsec.com

620 Coolidge Dr., Ste. 300 Folsom, CA 95630 Phone: (916) 355-0640 Toll-free: (800) 366-7530 [email protected] www.paulrees.wfadv.com

Designations: CFP®, EA

Bill ia a CFP® professional, Registered Representative, RIA and Enrolled Agent. He stresses the importance of integrity, competence and trust in building clientadvisor relationships. He has been providing integrated financial and tax services at the same Roseville location since 1986.

Securities and Investment Advisory offered through Foothill Securities, Inc. Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC.

Title: Senior Financial Advisor

My mission is to plan and implement a diversified investment strategy, so my clients can enjoy the rest of their lives. Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors Financial Network, LLC, Member SIPC, is a registered broker-dealer and separate nonbank affiliate of Wells Fargo & Company. [CAR 0112-00251].

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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 0112-4272].

Foothill Securities 2775 Cottage Way, Ste. 20 Sacramento, CA 95825 Phone: (916) 488-1133 [email protected]

1375 Exposition Blvd., Ste. 201 Sacramento, CA 95815 Office: (866) 962-1888 Cell: (530) 902-0382

[email protected] First Vice President – Investments, PIM Portfolio Manager

Aspiring for excellence in portfolio management, Mark has developed a robust set of investment philosophies that are complimented by the vast resources of Wells Fargo Advisors, LLC. Clients invest in one of Mark's active investment portfolios that vary by risk.

K. Randall Alston

Richard Allison

Wells Fargo Advisors, LLC 400 Capitol Mall, Ste.1700 Sacramento, CA 95814 Phone: (916) 491-6371

Senior Vice President - Investments

As a Certified Private Wealth Advisor SM , families and individuals hire me to help them grow, preserve, manage and ultimately distribute their wealth. My mission is to provide trusted advice and exceptional service to those I’m fortunate to work with.

Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 0112-1775A 1/17/2012].

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

2012 Five Star Wealth Managers

Mark I. Aizenberg

© F ve ar r S i © F ve tar Pro S f i P © F ve tar ro ess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section ­

Oscar B. Snyder III

2150 River Plaza Dr., Ste. 290 Sacramento, CA 95833 Office: (916) 567-0489 ameripriseadvisors.com/ william.a.silva

416 Auburn Folsom Rd. Auburn, CA 95603 Office: (530) 888-6727 [email protected]

967 Reserve Dr. Roseville, CA 95678 Office: (916) 781-6691 [email protected]

Vice President, Financial Advisor

Designations: AIF®, LUTCF

Title: Financial Advisor Designation: CRPC®

Alan has more than 18 years of experience providing clients ongoing financial planning, investment strategies and retirement income planning.

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.

We deliver on our mission by developing a comprehensive financial plan through understanding our clients’ goals, recommending and implementing strategies, and monitoring results to help bring you closer towards your financial goals.

Since 1976, Oscar has advised families and businesses on all facets of their financial lives. He is committed to helping people tune out the noise so that they may focus on what’s important.

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

Securities offered through LPL Financial, member FINRA/SIPC.

“Don’t listen to other people. Investigate for yourself. Be wary of wealth managers who say they never had a down year.” — Five Star award winner

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

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Stephen Smith

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2012 Five Star Wealth Managers

W. Alan Silva

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