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VALUE STATEMENT He helps high net worth individuals and their families along with small business achieve their financial goals. Together his team helps create and implement wealth management plans that focus on accumulation, protecting and transferring wealth.

WEALTH MANAGEMENT APPROACH. His team works closely with his clients to offer a set of personalized solutions designed to help realize their wealth management objectives. The approach is flexible and accommodates his clients’ unique situation.

1. Investigate – He begins by understanding his client’s goals, objectives, time horizon and tolerance for risk.
2. Evaluate – First, a comprehensive review is conducted of this client’s situation, taking into account the financial and personal information that is provided.
3. Recommend – Next, upon completion of the review, he develops customized strategies tailored to meet his client’s financial goals and objectives.
4. Implementation – Next, he implements appropriate solutions to put his specifically tailored strategies to work.
5. Monitor and Review – Finally, portfolios are reviewed on a regular basis to help ensure that goals and objective are being met.

DETAILS Over the years his business moved more towards financial, estate planning and professional money management. Having received his Certified Financial Planning (CFP) designation and also started working with selected professional money managers, his first in 1986, who would manage individual accounts with $100,000 minimum size. Still later, he moved into his firms “Consulting Group”, which indicated that he had reached a certain level in that particular area within the firm.

Another service he provided was the proper asset allocation recommendations for our clients. His firm now has several software programs to help with this service.

His estate planning services were offered on a complimentary basis and helped to get their financial affairs in order. This service was implemented in several ways. First, by working directly with other estate planning attorneys, either chosen by his clients or recommended by him. Another method was to offer Financial Planning Seminars in which experts in other fields; investment, tax, estate planning would team up to provide 4-hour client education seminars to bring them up-to-date on existing and current changes.

Over the years, many clients remained for a long period of time, as they were very loyal. Maybe one reason for this is that 15 years ago, he started a personal four-page quarterly client newsletter, outlining different ideas for investors. This letter could not be sent out without prior management approval on several levels. Placing this letter in hands of his clients was one way of communicating with them on a regular basis. Today, his newsletter is grandfathered, as no investment advisor can start their own newsletter having to rely on the company’s client newsletter, which although excellent, cannot be tailored to the broker’s own clients.

His firm offered several levels of recognition. Over the years, the level of production constantly increased, yet Expert was able to continue to obtain these recognition award levels. When he joined his firm in 1975, our country’s President was Gerald Ford, and the Dow Jones Industrial Average (DJIA) was slightly over 800. The market previously had topped the 1000 mark in Nov. 1972 but had fallen all the way back to the 550 level. The market previously had topped the 1000 mark in Nov. 1972 but had fallen all the way back to the 550 level in the fall of 1974. The economy was not all that strong and it was with this background that he took the position at his firm. The market currently stands (8/2/08) at 11327, about a 140% increase from when he started