five star 2012 sacramento wealth managers · 2012-03-23 · timothy murphy ∙ murphy law firm...

2012 Five Star Wealth

Man

agers

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

Special advertiSing Section

In a consumer study about dynamics between wealth manag-ers and their clients, Five Star Professional polled wealth man-agers and consumers about communications. Both groups said that connecting three to four times a year is the right com-munications strategy, but expectations are not aligned in all areas:

• 29 percent of consumers want to be contacted by their wealth manager whenever events require an update; only 7 percent of wealth managers say they contact clients based on the impact of events.

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

From research conducted by Five Star Professional, April 2011.

Wealth managers, broadly defined, are those indi-viduals who help you manage your financial world and/or implement aspects of your financial strate-gies. Common examples of wealth managers are fi-

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

How do you find a wealth manager with experience, who has a good base of clients with high retention rates, and who has undergone a regulatory and complaint review? And when you find them, are they accepting new clients?

Sacramento magazine and 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 one-year client retention rate for this year’s award winners is more than 92 percent.

Five Star Wealth Managers2012 Sacramento

Don’t listen to other people. Investi-gate for yourself. Be wary of advisers who say they never had a down year.”

— Five Star Wealth Manager

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.

candidateSaward

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.

aWarda Select

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FS 2 — Five Star award information: www.ivestarprofessional.com


Wishful thinking is not planning. If you plan for the worst, you will never be unpleasantly surprised.”

What matters most is how you recover from setbacks.”

Only invest in some-thing that you under-stand.”

Insights from Five Star Wealth Managers

Clients don’t care how much you know until they know how much you care.”

• Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers.

• The Five Star award is not indicative of the wealth manager’s future performance. • Wealth managers may or may not use discretion in their practice and therefore may not manage

their clients’ assets. • The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed

as an endorsement of the wealth manager by 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.

• 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) 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.

diScloSureSresearch

2012

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

Award candidates who satisfied 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services were named 2012 Five Star Wealth Managers.(2)

Eligibility Criteria – Required(3)

1. Credentialed as an investment advisory representative (IAR), a FINRA-registered representative, a CPA or a licensed attorney.

2. Actively employed as a credentialed professional in the financial services industry for a minimum of five years.

3. Favorable regulatory and complaint history review.(4) 4. Fulfilled their firm review based on internal firm standards. 5. Accepting new clients.

Evaluation Criteria – Considered(3)

6. One-year client retention rate (the average one-year client retention rate of this year’s award winners is more than 92 percent).

7. Five-year client retention rate. 8. Non-institutional discretionary and/or non-discretionary client assets administered (this

year’s award winners administer an average of $77 million in client assets).9. Number of client households served (on average, this year’s award winners serve 225

households).10. Education and professional designations.

oF aWard WinnerSdetermination

(2) Wealth managers were required to certify that any information they provided was accurate. (3) Criteria 4, 8 and 9 do not apply to attorneys or CPAs.(4) As defined by 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.

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


Business PlanningLawrence Hansen ∙ Capital Planning Advisors

Estate PlanningClark Allison ∙ Counsel Protect

Robin Bevier ∙ Law Offices of Robin C. Bevier

Kay Brooks ∙ Weintraub Genshlea Chediak

Robert Duncan ∙ Duncan Law Professional

Chuck Ebersole ∙ Foord Van Bruggen Ebersole & Pajak

Jana Ellerman ∙ Law Offices of Guthrie & Ellerman

Jugjit Johal ∙ CVM Law Group Page 10

Irving Joseph ∙ Meissner Joseph & Palley

Ernest Krtil ∙ Wilke Fleury Hoffelt Gould & Birney

Timothy Murphy ∙ Murphy Law Firm

Tracy Potts ∙ Legacy Law Group

Mark Umeda ∙ Law Office of Mark Y. Umeda

Financial PlanningRichard Allison ∙ Allison Wealth Management Page 11

K. Randall Alston ∙ Foothill Securities Page 11

Eric Andersen ∙ Perennial Pension & Wealth

Leonard Atkinson ∙ The Investment Center

David Aton ∙ Ameriprise Financial Services, Inc.

David Bastoni ∙ Bastoni Financial Services

James Biller ∙ Wedbush Securities Page 8

David Brown ∙ Ameriprise Financial Services, Inc.

Christopher Bulman ∙ Cornerstone Financial Partners

Steven Burnett ∙ Hanson McClain Advisors

Daniel Cairns ∙ Robert W. Baird & Company

Chris Carolan ∙ Morgan Stanley Smith Barney

Andrew Cloninger ∙ Merrill Lynch

Jeffrey DeBoer ∙ DeBoer Financial Group Page 9

David Deruelle ∙ RBC Wealth Management

Patrick Donnelly ∙ Cornerstone Financial Partners Page 8

Edward Dower ∙ American Eagle Wealth Advisors

Tarik Eldin ∙ Sacramento Credit Union

Kent Elliott ∙ Robert W. Baird & Company

Ann Fagan ∙ Fagan Financial Planners

Larry Frank ∙ Better Financial Education

Mark Frederick ∙ First Allied Securities

Mark Fujiwara ∙ Morgan Stanley Smith Barney

Garrick Gookin ∙ South Placer Wealth Management Group

David Hedger ∙ Liberty Group

David Herman ∙ LPL Financial

Richard Huchingson ∙ Christian Financial Strategies

Heidi Hunter ∙ Thrivent Financial

Amanda Johnson ∙ Ameriprise Financial Services, Inc.

Ellwood Jones ∙ Capital Region Financial Group

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

Seth Kaplan ∙ Robert W. Baird & Company Page 11

Trevor Kern ∙ Zeller Kern Private Wealth Management

Dan Koch ∙ Raymond James Financial Services

Kayle Larsen ∙ Larsen Wealth Management

Stanley Leong ∙ Ameriprise Financial Services, Inc.

John Lewis ∙ Ameriprise Financial Services, Inc.

Rashida Lilani ∙ Lilani Wealth Management

Gregory Lucas ∙ Lucas Group Financial Planners

Gary Malkasian ∙ Gary Malkasian Insurance & Financial Services

Patrick McClain ∙ Hanson McClain Advisors

Courtney McHarg ∙ Ameriprise Financial Services, Inc.

Bret McIntosh ∙ Merrill Lynch

Thomas Melton ∙ Melton Financial Group Wealth Advisory

Paul Meyerhoff ∙ Symphony Financial Planning

Cynthia Meyers ∙ Cynthia S. Meyers

Troy Miller ∙ Troy E. Miller

David Nakamura ∙ Morgan Stanley Smith Barney

Kimberly Ogden ∙ Atherton Wealth Advisors

Gary Pevey ∙ Wealth Design Group

Daryl Powell ∙ Charles Schwab

Michael Rodegerdts ∙ Ameriprise Financial Services, Inc.

Scott Roseman ∙ Roseman Wagner Wealth Management

Robert Roth ∙ Ameriprise Financial Services, Inc. Page 5

George Salidas ∙ Morgan Stanley Smith 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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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.

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

Marilyn White ∙ Private Wealth Management

Robert Young ∙ Main Street Wealth Group

Steven Zeller ∙ Zeller Kern Private Wealth Management

InsuranceThomas Nguyen ∙ Farmers Insurance Group

Daryl Seaton ∙ New York Life

InvestmentsAriel Agustin ∙ Merrill Lynch

Mark Aizenberg ∙ Wells Fargo Advisors, LLC Page 11

Norma Andrade-Casanova ∙ Wells Fargo Advisors, LLC

Jason Arnold ∙ Merrill Lynch

Jeffrey Auwinger ∙ Wells Fargo Advisors, LLC

Louis Barrientos ∙ Placer Summit Financial Group

Michael Batt ∙ Wedbush Securities

Melanie Bergevin ∙ Edward Jones

Joyce Blonskij ∙ Blonskij Financial Services Page 9

Timothy Brockway ∙ Asset Strategies Group Page 9

Kenneth Brown ∙ Avisen Securities

Robert Burton ∙ Wells Fargo Advisors, LLC

John Carr ∙ Merrill Lynch

Mark Chapman ∙ Morgan Stanley Smith 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

Leland Crawford ∙ Wells Fargo Advisors, LLC Page 9

Richard DeBono ∙ Avisen Securities

Kevin Dedenbach ∙ Wells Fargo Advisors, LLC

Steven Deelstra ∙ Merrill Lynch

Michael DePhilippis ∙ Edward Jones

James Diepenbrock ∙ Morgan Stanley Smith Barney

Kable Doria ∙ Ameriprise Financial Services, Inc.

Jason Ezzell ∙ Merrill Lynch

Robert Ferriman ∙ Robert W. Baird & Company

Brian Fox ∙ Merrill Lynch

Lesa Franklin-Johnson ∙ Edward Jones

Robert Gibson ∙ Gibson Capital Management Page 11

Dru Gilbert ∙ Wedbush Securities Page 8

Lucas Giordano ∙ Main Street Wealth Group

Scott Gordon ∙ Wells Fargo Advisors Financial Network, LLC

Diova Gray ∙ Main Street Wealth Group

Wolfgang Hawlisch ∙ Merrill Lynch

Brad Heaps ∙ Charles Schwab

Steve Heng ∙ Wells Fargo Advisors, LLC

James Hennessy ∙ Wedbush Securities

Fred Jackson ∙ Edward Jones

Kevin Kimura ∙ Merrill Lynch

Mary Kobane ∙ Wells Fargo Advisors, LLC Page 11

Matthew Larsen ∙ Edward Jones

Bill Lawver ∙ Foothill Securities Page 11

Lew Lemon ∙ Golden 1 Credit Union

Sean Lucas ∙ Merrill Lynch

Douglas MacFarlane ∙ Robert W. Baird & Company

Ellen MacInnes ∙ Morgan Stanley Smith Barney

Thomas Marx ∙ Merrill Lynch

Joseph McGann ∙ Southwest Securities

Martin Meier ∙ LPL Financial Page 10

David Nielsen ∙ Southwest Securities

Jody Nunez ∙ Cornerstone Financial Partners Page 8

Karin Owens ∙ First Allied Securities

Craig Parker ∙ Morgan Stanley Smith Barney

Adam Persily ∙ Robert W. Baird & Company

Kenneth Peters ∙ Wells Fargo Advisors, LLC

Rani Pettis ∙ Wells Fargo Advisors, LLC

Ryan Prestimonico ∙ Charles Schwab

Mark Ray ∙ Praxis Consulting

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

Paul Rees ∙ Wells Fargo Advisors, LLC Page 11

John Schoeppach ∙ Merrill Lynch

Julie Small ∙ Merrill Lynch

Stephen Smith ∙ Morgan Stanley Smith Barney Page 12

Judith Steele ∙ First Allied Securities

David Thomas ∙ Merrill Lynch

Scott Thomas ∙ Placer Summit Financial Group

Dru Torvend ∙ Hometown Advisors

Scott Van Epps ∙ Lighthouse Strategic Advisors

Kimmy Wan ∙ Charles Schwab

Rod Waterbury ∙ Placer Summit Financial Group

Bryan Wertzer ∙ Sutley Wertzer

Johnathan Wilson ∙ Stifel, Nicolaus & Company

Jeffrey Won ∙ Morgan Stanley Smith Barney

Bruce Yoshida ∙ Robert W. Baird & Company

John Zezini ∙ Edward Jones

TaxationBurton Douglass ∙ Douglass & Company, CPA

Darrell Dwyer ∙ Dwyer and Company

Sue Hullen ∙ Hullen Accountancy

Sheila McGovern ∙ McGovern Planesi & Walters

Michael Wilson ∙ Wilson Wilson & Taylors, CPAs

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Robert J. RothHelping 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 fi nancial independence• A trusting and safe environment to share your fi nancial concerns• More than 80 years of combined industry experience for my teamRobert 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’ fi nancial well-being. 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 95670Phone: (916) 635-7801 • Fax: (916) 635-7814

[email protected] • ameripriseadvisors.com/robert.j.rothInvestors 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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Roger SchrefflerSupport, Service and Proven Leadership

Three-year winner Roger Schre� er and Kirsten Jorgensen

• Comprehensive approach anchored in your values• Providing you with personalized fi nancial 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 diff erent.

VALIC Financial Advisors, Inc.2901 Douglas Boulevard, Suite 150 • Roseville, CA 95661

Office: (916) 749-2933 • Cell: (916) [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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Derek SeoLoyal • 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 fi nancial planning• Investment and insurance management strategies• Estate and long-term care planning strategiesTitle: 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 fi nancial 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 fi nancial world. Come see what personalized advice along with world-class fi nancial 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) [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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Dru Gilbert, James Biller and Raymond ChowOur Philosophy Is Clients First …

We Listen to You

• Municipal sales and trading

• Financial and estate planning

• Wealth management

Dru Gilbert, Vice President Raymond Chow, Senior Vice President – InvestmentsJames Biller, Vice President – InvestmentsLeft to right: Three-year winner Raymond Chow, 2012 winner Dru Gilbert

and two-year winner James Biller

Founded in 1955, Wedbush Securities is one of the largest private securities fi rms and investment banks in the nation. With more than 100 offi ces, our private client services group specializes in providing brokerage and advisory services to both institutional and private clients. 455 Capitol Mall, Suite 150

Sacramento, CA 95814 Toll-free: (866) 286-6016 Phone: (916) 325-0449

www.wedbush.com

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

CornerstoneFinancial Partners

Committed to Your Success

• Retirement income, 401(k) rollovers

• Investment management, risk management

• Charitable funding

Title: Financial AdvisorsLeft 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 o� ered solely through Ameritas Investment Corp. (AIC), member FINRA, SIPC. AIC and Cornerstone Financial Partners LLC are not a� liated. Additional products and services may be available through Cornerstone Financial Partners that are not o� ered through AIC. Securities email: [email protected].

Jody R. Nunez CA Insurance License #0765341 • Patrick M. Donnelly CA Insurance License #0D29269.

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Joyce Blonskij

Blonskij Financial Services, Inc. 7840 Madison Ave., Ste. 107 Fair Oaks, CA 95628

Offi ce: (916) 534-7327

[email protected] www.OwnTheClouds.com

• 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.

Author of “Own the Clouds”

Are you ready to focus on your fi nancial 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 off ers 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 o� ered 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 a� liated.

Leland M. Crawford

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

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

Designations: Certified Investment Management AnalystSM (CIMA®)

Title: Senior Vice President – Investment Officer

Discretion • Integrity • Trust

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 specifi c fi nancial 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].

Jeffrey DeBoer

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

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

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

Guiding You Through a Secure Retirement

Smart planning starts with really understanding your personal fi nancial needs and goals. Only then will we develop personally customized strategies to help connect all the pieces of your fi nancial 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.

Timothy A. Brockway

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

Asset Management, Estate Planning, Insurance/Employee Benefits

Titles: President, CEO

Extraordinary Financial Services

Our mission has always been to redefi ne the fi nancial services industry on behalf of our clients. Through diligent design, professional assistance with their fi nancial strategy and dedicated advocacy, we benefi t 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 o� ered through MML Investors Services, Inc. ASG, Asset Strategies Group and

ASG Financial and Insurance Services, Inc. are not a� liates or subsidiaries of MML Investors Services, Inc.

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Jack S. Johal

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

Phone: (916) 889-8213

[email protected]

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

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

Designations: JD and LL.M. in Taxation

Experienced • Knowledgeable • Compassionate

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 fi nd an attorney who has the experience and knowledge required to fi nd 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.

Martin R. Meier

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

CA Insurance Lic. No. 0819321

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

Titles: LPL Financial Advisor, Branch Manager

Designation: MBA

Independence, Integrity, Service, Ethics

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 fi rst.

LPL Financial. A Registered Investment Advisor. Member FINRA/SIPC.

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

Paul Wheeler

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

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

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

All About You

As a fi nancial advisor for 20 years, Paul, CFP® has been assisting and guiding clients toward creation and preservation of wealth. In a fast-paced, volatile world, he uses a comprehensive approach to fi nancial 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 � nancial professional as working with a � nancial advisor is not a guarantee of future � nancial success. Brokerage, investment and � nancial 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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Wells Fargo Advisors, LLC 400 Capitol Mall, Ste.1700 Sacramento, CA 95814 Phone: (916) 491-6371 [email protected] First Vice President – Investments, PIM Portfolio Manager

Mark I. Aizenberg

Aspiring for excellence in portfolio management, Mark has developed a robust set of investment philosophies that are complimented by the vast resources of Wells Fargo Advisors, LLC. Clients invest in one of Mark's active investment portfolios that vary by risk. Advisor selection is not re� ective 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].

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1375 Exposition Blvd., Ste. 201 Sacramento, CA 95815 Office: (866) 962-1888 Cell: (530) 902-0382 [email protected] www.AllisonWealthManagement.com

Richard Allison

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 o� ers Securities through Securities America, Inc. Member FINRA/SIPC, Advisory Services o� ered through Securities America Advisors,

Inc., Richard K. Allison Investment Advisor Representative. Allison Wealth Management and the Securities America Companies are not

a� liated. CA Insurance Number OD67551.

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

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 o� ered through, Foothill Securities, Inc., member FINRA/SIPC. Foothill Securities and Gibson Capital Management are

not a� liated companies.

300 University Ave., Ste. 200 Sacramento, CA 95825 Office: (916) 563-2010 [email protected] sethkaplanfinancialadvisor.com Sr. Vice President, CFP®, CDFA™, CFFA

Seth L. Kaplan

Great outcomes done wel l . 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.

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1130 Iron Point Rd., Ste. 100Folsom, CA 95630Office: (916) [email protected] Title: Senior Financial Advisor

Christeen Reeg

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 re� ective 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 a� liate of Wells

Fargo & Company. [CAR 0112-00251].

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

Paul Rees

As a Certified Private Wealth AdvisorSM, 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 re� ective 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].

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

K. Randall Alston

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.

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

400 Capitol Mall, Ste. 1700Sacramento, CA 95814Office: (916) 443-4493Toll-free: (800) [email protected]: Vice President – Investments

Mary Kobane

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 re� ective 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 & Associates 1624 Santa Clara Dr., Ste. 250 Roseville, CA 95661 Office: (916) 782-9400 [email protected] BillLawverTaxFinancial.com Designations: CFP®, EA

Bill Lawver

Bill ia a CFP® professional, Registered Representative, RIA and Enrolled Agent. He stresses the importance of integrity, competence and trust in building client-advisor relationships. He has been providing integrated financial and tax services at the same Roseville location since 1986. Securities and Investment Advisory o� ered through Foothill Securities, Inc.

Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC.

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416 Auburn Folsom Rd.Auburn, CA 95603Office: (530) [email protected] Vice President, Financial Advisor

Stephen Smith

We deliver on our mission by developing a comprehensive financial plan through u n d e r s t a n d i n g o u r c l i e n t s ’ g o a l s , recommending and implementing strategies, and monitoring results to help bring you closer towards your financial goals.

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

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967 Reserve Dr.Roseville, CA 95678Office: (916) [email protected]: AIF®, LUTCF

Oscar B. Snyder III

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

Securities o� ered through LPL Financial, member FINRA/SIPC.

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“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

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

W. Alan Silva

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 � nancial professional as working with a � nancial advisor is not a guarantee of future � nancial success. Ameriprise Financial Services, Inc.,

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five star 2012 sacramento wealth managers · 2012-03-23 · timothy murphy ∙ murphy law firm...

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