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www.fivestarprofessional.com: Five Star award information — FS 1
Special advertiSing Section 2012 Five Star W
ealth M
anag
ers
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:
• 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 individuals who help you manage your financial world and/or implement aspects of your financial strategies. Common examples of wealth managers
are financial advisors, financial planners, investment advisors, tax advisors and estate planning attorneys.
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?
Diablo 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 96 percent.
Five Star Wealth Managers
2012 San Francisco East Bay
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
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. East Bay award candidates were identified using internal and external research data, including a survey to more than
4,500 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 3 percent of the wealth managers in the East Bay 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.fivestarprofessional.com
Special advertiSing Section
2012 Five Star Wealth
Man
agers
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 something that you understand.”
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 or Diablo 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) 1,145 award candidates in the East Bay area were considered for the Five Star Wealth Manager award. 232 (approximately 21 percent of the award candidates) were named 2012 Five Star Wealth Managers.
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 96 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 $109 million in client assets).9. Number of client households served (on average, this year’s award winners serve 236
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 9,300 households in the East Bay 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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www.fivestarprofessional.com: Five Star award information — FS 3
Special advertiSing Section 2012 Five Star W
ealth M
anag
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award winners listed by primary services and listed alphabetically by last name.
Business PlanningJeffrey Allen ∙ Graves & Allen
Estate PlanningKen Begun ∙ The Law Offices Ken Begun
David Bromley ∙ Law Office of David Bromley Page 19
David Brown ∙ Law Offices of David A. Brown
Lisa Elliott ∙ Law Office of Lisa Elliott Page 19
Nancy Gibbons ∙ Nancy A. Gibbons
Bridget Harris ∙ LeClair Ryan
Patricia Leong ∙ Law Office of Patricia Leong
Christopher McClure ∙ Lincoln Financial Advisors Page 17
M. Franklin Parrish ∙ Law Offices of M. Franklin Parrish
James Phillips ∙ Law Offices of James J. Phillips
J. Wesley Smith ∙ Buchman Provine Brothers Smith Page 10
Nickolas Tooliatos ∙ Randick O’Dea & Tooliatos Page 20
Elizabeth Trutner ∙ Trutner Law Offices
Shirley White ∙ Law Office of Shirley M. White
Kurt Yip ∙ Kurt E. Yip, Esq.
Financial PlanningJames Agrusa ∙ Ameriprise Financial Services,
Inc.
Michael Allard ∙ CalBay Investments
Robert Altemus ∙ Merrill Lynch
Bruce Anderson ∙ Ameriprise Financial Services, Inc.
Elisabeth Andreason ∙ Morgan Stanley Page 6 & 7
Richard Arzaga ∙ Cornerstone Wealth Management
James Audley ∙ Benjamin W. Wong & Associates Page 15
Michael Ball ∙ Ameriprise Financial Services, Inc.
Lynn Ballou ∙ Ballou Plum Wealth Advisors
Kimberly Barentsen ∙ First Allied Securities Page 16
Richard Barney ∙ WealthCare Consulting
Emily Bassman ∙ Ameriprise Financial Services, Inc. Page 19
Gary Berg ∙ Ameriprise Financial Services, Inc. Page 9
James Bizzack ∙ Ameriprise Financial Services, Inc.
David Bobrowsky ∙ LPL Financial
James Brandt ∙ Morgan Stanley
Derek Bystrom ∙ Charles Schwab & Company
Junmin Chang ∙ Cannon Beach Consultants
David Chazin ∙ Insight Wealth Strategies
Kim Cho ∙ MetLife
Ed Christiansen ∙ Merrill Lynch
Steve Clarkson ∙ Heritage Investment Management
Lee Ann Coburn ∙ Merrill Lynch
Ned Comar ∙ Ameriprise Financial Services, Inc.
Richard Connett ∙ Ameriprise Financial Services, Inc.
Jason Cooke ∙ Herrmann Financial Services Page 13
John Cordano ∙ California Financial Advisors Page 16
Greg Costa ∙ Valentine Wealth Management
Colleen Cusick ∙ Merrill Lynch
Louis Dagen ∙ Raymond James & Associates
James Deboer ∙ Foothill Securities
Jonathan Elfin ∙ Sagemark Consulting
Ann Felldin ∙ Lincoln Financial Advisors
Robert Fink ∙ Merrill Lynch
Bryan Furlong ∙ Morgan Stanley
Jeffrey Gale ∙ Morgan Stanley
Jean Gannett ∙ Park Place Wealth Advisors
Mark Greenberg ∙ Wealth & Tax Planners Page 16
Richard Gross ∙ Ameriprise Financial Services, Inc.
Nancy Hairsine ∙ Lifetime Planning Investment & Financial Services
Michael Hanley ∙ MPH Asset Management Company
Phyllis Helfand ∙ Merrill Lynch
Jon Henderson ∙ Merrill Lynch
David Herrmann ∙ Herrmann Financial Services Page 13
Ernest Holguin, Jr. ∙ Merrill Lynch
Scott Horton ∙ J.P. King Advisors
Terence R. Johnson ∙ Merrill Lynch
Tony Jurado ∙ Sage Wealth Group
Cameron Kossen ∙ Ameriprise Financial Services, Inc.
Joseph Kovar ∙ Sweeney Kovar Financial Advisors
Jennifer Kwock-Lau ∙ Ameriprise Financial Services, Inc.
Lisa Lagorio ∙ National Planning Corporation Page 19
Jan Lambert ∙ Lambert & Associates/Ameriprise Financial Services, Inc.
Cynthia Leitman ∙ LPL Financial
Geno Lenfest ∙ Ameriprise Financial Services, Inc.
Jane Levine ∙ LPL Financial
John Lin ∙ Morgan Stanley
Stephen F. Lovell ∙ Forsyth Heritage/LPL Financial Page 20
Joel Malakoff ∙ Malakoff & Associates
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FS 4 — Five Star award information: www.fivestarprofessional.com
Special advertiSing Section
2012 Five Star Wealth
Man
agers
award winners listed by primary services and listed alphabetically by last name.
Michael Markey ∙ American Investors Company
Richard Mathews ∙ Morgan Stanley
Thomas Melohn ∙ Morgan Stanley
Ramon Miller ∙ Certified Planners
John Moore ∙ Moore Financial Services
Roger Moore ∙ Ameriprise Financial Services, Inc. Page 17
John Mullen ∙ Perseus Wealth Page 17
Sharon Nasstrom ∙ Protected Investors of America
Sally Ng ∙ Sally Ng
George M. Noceti ∙ Morgan Stanley Page 20
Tom Nohr ∙ Successful Financial Page 20
Laura O’Brien ∙ Summit Financial Group
Bill Peters ∙ Morgan Stanley
Constandinno “Gus” Petsas ∙ Petsas & Hill, CPAs
Steve Polaski ∙ Summit Brokerage Services
Erik Pulley ∙ Morgan Stanley Page 14
Ellen Resneck ∙ Ameriprise Financial Services, Inc. Page 18
Maureen Richardson ∙ Richardson Elite Financial Strategies
Thomas Rydell ∙ Morgan Stanley
Sally Saman ∙ Fukumae & Saman
Scott Scherer ∙ One Risk Group/Wealth Strategies Advisory Group
Daven Sharma ∙ Strategic Advisors
Mark Shone ∙ Shone Asset Management
Craig Silcox ∙ VALIC Financial Advisors
Shawn Sladek ∙ Merrill Lynch
Barbara Sourjohn ∙ Sourjohn-Kim Retirement Solutions
David Spencer ∙ Merrill Lynch
Jeffrey Stark ∙ LPL Financial Page 20
Jenner Stimpfig ∙ Merrill Lynch
Kathleen Sullivan ∙ Morgan Stanley
Kristin Sullivan ∙ Charles Schwab & Company
Kevin Sweeney ∙ Sweeney Kovar Financial Advisors
Scott Terry ∙ Lincoln Financial Advisors
Denise Tuemmler ∙ Protected Investors of America
Nicholas Ventimiglio ∙ Nicholas Ventimiglio
Jason Vitucci ∙ J. Vitucci Financial Services
Greg Warner ∙ Securities America Advisors
Blake Welpton ∙ Merrill Lynch
Steve Wilcox ∙ Summit Financial Group
L. David Wilson ∙ Ameriprise Financial Services, Inc.
James With ∙ Ameriprise Financial Services, Inc.
Kinley Wong ∙ Lincoln Financial Advisors Page 18
Diane Woodward ∙ Oak Tree Wealth Management
Roberta Yuen ∙ Protected Investors of America
Kevin Zimmer ∙ LPL Financial Page 20
Chris Zonca ∙ Lincoln Financial Advisors Page 18
InvestmentsFrank X. Aceves, Jr. ∙ Wells Fargo Advisors,
LLC
Brian Ambrose ∙ Ambrose Financial & Insurance Services Page 8
Donald Arington ∙ Wells Fargo Advisors, LLC
Emily Bach ∙ The Bach Group/Morgan Stanley
Morgan Becker ∙ Morgan Stanley
Guy Ben-Ari ∙ Edward Jones
William Bicker, Jr. ∙ Morgan Stanley
Jeffrey Borges ∙ Charles Schwab & Company
Mary Brooks ∙ Raymond James Financial Services Page 13
Mark Brown ∙ Merrill Lynch
John Bruzzone ∙ Morgan Stanley
Joseph Buenavista ∙ Merrill Lynch
Pam Burk ∙ The Bach Group/Morgan Stanley
Robert Burke ∙ Morgan Stanley
Peggy Cabaniss ∙ HC Financial Advisors
Bret Cameto ∙ Merrill Lynch
James Carbonell ∙ Wells Fargo Advisors, LLC
Jamie Carey ∙ Carey Consulting Wealth Management Page 19
Joe Caselle ∙ Merrill Lynch
Steve Catton ∙ Merrill Lynch
Thomas Corbat ∙ Wells Fargo Advisors, LLC Page 19
Brandon Day ∙ Wells Fargo Advisors, LLC
Gregory M. Desmond ∙ Desmond Wealth Management
Steven Edgren ∙ Morgan Stanley
Beau Fisher ∙ Fisher & Wiens Wealth Management
Paul Giacoletti ∙ Wells Fargo Advisors, LLC
Tyler Graffigna ∙ Wells Fargo Advisors, LLC
Kevin Gray ∙ Lodestar Private Asset Management
Jeff Gustafik ∙ Wells Fargo Advisors, LLC
David Halperin ∙ Wells Fargo Advisors, LLC
Hallie Hart ∙ Merrill Lynch
Frank Hemmen ∙ Morgan Stanley Page 19
Harold Hendricks ∙ Wells Fargo Advisors, LLC Page 19
Michelle Higgins ∙ California Financial Advisors Page 16
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www.fivestarprofessional.com: Five Star award information — FS 5
Special advertiSing Section 2012 Five Star W
ealth M
anag
ers
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.
Roy Jerrolds ∙ Wells Fargo Advisors, LLC
Daniel Jew ∙ Edward Jones
Douglas Kaminski ∙ Charles Schwab & Company
Gary Kefer ∙ Wells Fargo Advisors, LLC
Christopher Kenny ∙ Merrill Lynch
Kurt King ∙ Wells Fargo Advisors, LLC
Igor Kipnis ∙ Wells Fargo Advisors, LLC
Harry Knapp ∙ Merrill Lynch
Lori Krumrei ∙ Krumrei & Ross
Alex Kuperman ∙ Charles Schwab & Company
John Lehr ∙ Wells Fargo Advisors, LLC Page 11
David Lewis ∙ Lewis Asset Management
Allen Lipscomb ∙ Wells Fargo Advisors, LLC
Nancy Logan ∙ Merrill Lynch
Adam Love ∙ Wells Fargo Advisors, LLC
Cynthia M. Macleod ∙ NPB Financial Group
Brian Mague ∙ Morgan Stanley
Randall Manley ∙ Lodestar Private Asset Management
Jeffrey Martin ∙ Wells Fargo Advisors, LLC
Greg Mathias ∙ Morgan Stanley Page 20
Adam McNulty ∙ OneVision Advisors
Alan Metheny ∙ Wells Fargo Advisors, LLC Page 17
Bruce Meyers ∙ RBC Wealth Management
Gary Mills ∙ Wells Fargo Advisors, LLC
Arthur Mitsutome ∙ Baker Brose & Mitsutome
Jennifer Murphy ∙ LPL Financial Page 14
Ellen Neumark ∙ Wells Fargo Advisors, LLC
Debra Nygaard ∙ Wells Fargo Advisors, LLC
John Obana ∙ Merrill Lynch
Lawrence Olin ∙ Wells Fargo Advisors, LLC Page 12
Carlton Pace ∙ Wells Fargo Advisors, LLC
Christian Pfeiffer ∙ Wells Fargo Advisors, LLC
Darrell Pitts ∙ Wells Fargo Advisors, LLC
Scott Poland ∙ Wells Fargo Advisors, LLC
Brian Pon ∙ Financial Connections Group
David Potter ∙ Morgan Stanley
Naushaba Rashid ∙ Wells Fargo Advisors, LLC Page 20
Robert Regan ∙ Regan Financial Group
Michael Riherd ∙ Wells Fargo Advisors, LLC
David Roche ∙ Apex Securities & Asset Management
John Rohan ∙ Wells Fargo Advisors, LLC
Harvey Rowen ∙ Starmont Asset Management
Rick Russell ∙ Wells Fargo Advisors, LLC
Margaret Rust ∙ Rubey & Rust Capital Management
Vincent Salem ∙ Charles Schwab & Company
Gregory Schmidt ∙ U.S. Bancorp Investments
G. Frederick Schroeder ∙ Schroeder Capital Management Page 18
Robert Schwarz ∙ Wells Fargo Advisors, LLC Page 12
Timothy Score ∙ Merrill Lynch
Taryn Sievers ∙ Morgan Stanley
Cheryl Smith ∙ Merrill Lynch
Eric Soiland ∙ Wells Fargo Advisors, LLC
Manuel Soliz, Jr. ∙ Thrivent Financial
Joanne Sturgill ∙ Wells Fargo Advisors, LLC
Cory Synnestvedt ∙ Wells Fargo Advisors, LLC
Megan Tarpley ∙ Wells Fargo Advisors, LLC
Dean Thompson ∙ Wells Fargo Advisors, LLC
Rich Umanzio ∙ Wells Fargo Advisors, LLC
Richard Welty ∙ Welty Capital Management
Brooke Wentner ∙ GWN Securities
Josephine White ∙ Merrill Lynch
Carol Wikle ∙ Morgan Stanley
Barry Williams ∙ Merrill Lynch
Steven Willis ∙ Willis Financial Services
Kenneth Wise ∙ Wells Fargo Advisors, LLC
Russell Wixon ∙ Wells Fargo Advisors, LLC Page 12
Benjamin Wong ∙ Benjamin W. Wong & Associates Page 15
Joseph Yoon ∙ Merrill Lynch
Greg Yount ∙ Morgan Stanley
TaxationRonald Boyer ∙ Boyer & Conniff
Coralie Cross ∙ Coralie S. Cross
Howard Hertz ∙ Tri-Valley Tax & Financial Services
Terri Hogoboom ∙ Cothran & Johnson Accountancy Corporation
Linda Lahonta ∙ Linda J. Lahonta, CPA
Sharon Rubens ∙ Rubens Nunnemaker
Brigitta Strand ∙ Strand Boyce Associates, CPAs
Robert Temen ∙ Temen Kaiser & Cameron, CPAs
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FS 6 — Five Star award information: www.fivestarprofessional.com
Special advertiSing Section
2012 Five Star Wealth
Man
agers
To Elisabeth, the best financial plan reflects your life — your values and dreams. That’s why she takes the time to really get to know her clients. Meetings take as long as necessary to define your goals, identify opportunities and choose solutions that make sense to you. Plans include innovative solutions to problems that clients often did not even know existed. Solutions then evolve with the clients’ changing circumstances.
Elisabeth’s strength is guiding the implementation of uniquely crafted financial plans that include input and collaboration from the client’s attorney and CPA. Her commitment is to ensure clients experience a comprehensive coordinated effort which addresses all facets of their personal financial needs.
With a team of support staff striving to transcend client service expectations, Elisabeth is available to provide her clients with undivided attention during meetings. “Teaching is the foundation of my client relationships. I want to make sure my clients know what we are doing together and why.” Clients choose to work with Elisabeth for her vast knowledge, educational style, diligent attention to detail and collaborative approach, which leave them feeling heard and understood. Elisabeth Andreason has received the Five Star Wealth Manager award in 2011 and 2012.
Helping Individual Investors Make Informed Decisions
• Clarity
• Simplicity
• Direction
Titles: Senior Vice President, Wealth Advisor, Portfolio Management Director
Credentials: CERTIFIED FINANCIAL PLANNER™, Chartered Advisor in Philanthropy®
The Andreason Group at Morgan Stanley1333 North California Boulevard, Suite 133 • Walnut Creek, CA 94596
Office: (925) [email protected]
Elisabeth Andreason
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S.,which it awards to individuals who successfully complete CFP Board’s initial
and ongoing certification requirements.
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www.fivestarprofessional.com: Five Star award information — FS 7
Special advertiSing Section 2012 Five Star W
ealth M
anag
ers
To Elisabeth, the best financial plan reflects your life — your values and dreams. That’s why she takes the time to really get to know her clients. Meetings take as long as necessary to define your goals, identify opportunities and choose solutions that make sense to you. Plans include innovative solutions to problems that clients often did not even know existed. Solutions then evolve with the clients’ changing circumstances.
Elisabeth’s strength is guiding the implementation of uniquely crafted financial plans that include input and collaboration from the client’s attorney and CPA. Her commitment is to ensure clients experience a comprehensive coordinated effort which addresses all facets of their personal financial needs.
With a team of support staff striving to transcend client service expectations, Elisabeth is available to provide her clients with undivided attention during meetings. “Teaching is the foundation of my client relationships. I want to make sure my clients know what we are doing together and why.” Clients choose to work with Elisabeth for her vast knowledge, educational style, diligent attention to detail and collaborative approach, which leave them feeling heard and understood. Elisabeth Andreason has received the Five Star Wealth Manager award in 2011 and 2012.
Helping Individual Investors Make Informed Decisions
• Clarity
• Simplicity
• Direction
Titles: Senior Vice President, Wealth Advisor, Portfolio Management Director
Credentials: CERTIFIED FINANCIAL PLANNER™, Chartered Advisor in Philanthropy®
The Andreason Group at Morgan Stanley1333 North California Boulevard, Suite 133 • Walnut Creek, CA 94596
Office: (925) [email protected]
Elisabeth Andreason
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S.,which it awards to individuals who successfully complete CFP Board’s initial
and ongoing certification requirements.
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FS 8 — Five Star award information: www.fivestarprofessional.com
Special advertiSing Section
2012 Five Star Wealth
Man
agers
Brian AmbroseTo Our Clients and Friends, Thank You Again for Your Support
Creating sound financial strategies for the days ahead!
Left to right: Two-year winner Brian Ambrose, Laura Lucas, Dedee Santos and Maris Dunne
• How long would you like your retirement income to last?• Would you like your retirement income to be guaranteed?• Is your retirement income guaranteed now?
We are grateful to those who selected us for this honor for a second year. We fully recognize the value of loyal relationships built over years of mutual respect and trust. Our success has only come through dedication to our clients by helping them achieve their fi nancial goals.
We thank our clients for the trust you have placed in us and for continuing to refer your friends and family members. If you are in need of a trustworthy friend to help navigate your unique journey, we would be honored to welcome you at Ambrose Financial and Insurance Services, LLC.
500 Ygnacio Valley Road, Suite 150 • Walnut Creek, CA 94596Office: (925) 906-4609 • Direct: (925) [email protected] • www.bambrose.com
Ambrose Financial & Insurance Services, LLC is a Registered Investment Advisor registered to offer investment advisory services in California. CA Board of Accountancy - LIC 42421. CFP Board of Standards - CERT. 025529, Securities and Exchange Commission - CRD 141156, CA Insurance LIC 0F95178.
Areas of Focus: Retirement and Estate Planning, Investment Management and Income Strategies
Credentials: CPA, CFP®, Registered Investment Advisor, Licensed Insurance Professional
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www.fivestarprofessional.com: Five Star award information — FS 9
Special advertiSing Section 2012 Five Star W
ealth M
anag
ers
Gary BergPersonal Approach to Wealth Management
Areas of Focus: Strategies for Wealth Management, Retirement and Tax Planning
Left to Right: Seated: Two-year winner Gary V. BergStanding: Bobbi Kahn, Kathleen Bradley, Michael Schor, Paige Hynes and Michelle Zambrano
• Trusted advice from a team that cares about your fi nancial life• Comprehensive wealth management solutions customized for each client• Confi dence in a team dedicated to helping you progress towards your goals
Once again, as a Five Star Wealth Manager, Gary would like to thank the clients he works with. He strives to maintain long-term relationships with clients by off ering personalized service and research-based planning. He believes in ongoing communication as a critical component in working together and the cornerstone of a plan customized for tomorrow’s goals without sacrifi cing the needs of today.
The complexity of the current fi nancial marketplace makes it more important than ever to have a balanced approach to
investing, guided by professional counsel and experience. He also believes in a proactive approach to wealth management to help reduce risk and provide potential opportunities.
For more than 28 years as a fi nancial advisor with Ameriprise, he and his team of dedicated professionals have helped their busy and successful clients navigate fi nancial markets, develop tax and estate planning strategies, and make fi nancial decisions through personal attention and comprehensive fi nancial planning.
1333 North California Boulevard, Suite 630 • Walnut Creek, CA 94596Office: (925) 295-1900 • Fax: (925) 295-1905
[email protected] • www.ameripriseadvisors.com/gary.v.berg
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.
Title: Private Wealth Advisor
Credential: CRPC®
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FS 10 — Five Star award information: www.fivestarprofessional.com
Special advertiSing Section
2012 Five Star Wealth
Man
agers
Buchman Provine Brothers Smith GroupAttorneys at Law — Wealth Succession Specialists
Full-Service Law Firm
Left to right: Jenifer Leece, Five Star award winner Wes Smith, Tom Blomberg, Bob Buchman and Ericka Ackeret
• Business and tax planning• Estate and wealth succession planning• Real estate transactions
Our wealth succession planning group has extensive experience in planning for large and complex estates consisting of businesses, income properties, second homes, fi nancial portfolios, and unique immediate and extended family matters. We strive to minimize the tax, expense and interruption that
arises in the transfer of assets from one generation to the next. We use all available vehicles including FLPs or LLCs together with revocable and complex, multigenerational irrevocable trusts. We are highly experienced in trust administration, conservatorships, probate and elder law.
1333 North California Boulevard, Suite 350 • Walnut Creek, CA 94596Phone: (925) 944-9700 • Fax: (925) 944-9701
[email protected] • www.bpbsllp.com
Terms of Use: This advertisement is designed for general information only. The information presented here does not constitute legal advice nor does it create an attorney/client relationship.
Serving the legal needs of businesses and individuals for more than 25 years
Our practice — prompt, innovative and cost-effective solutions
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www.fivestarprofessional.com: Five Star award information — FS 11
Special advertiSing Section 2012 Five Star W
ealth M
anag
ers
John R. LehrWe Would Like to Thank Our Clients for Their Loyalty and Ongoing Support
Left to right: Joanne Gong and two-year winner John R. Lehr
• Committed to helping clients meet their needs for more than 30 years• Provide detailed investment and retirement plans• Dedicated to providing excellent customer service
Our practice is focused on advising a broad scope of clients that include professionals, corporate executives, retirees and business owners with their assets. We help our clients develop, implement and monitor their portfolios as they seek their fi nancial goals. We take pride in providing a high level
of personalized service and build multi-generational family relationships. To this end, we are committed to introducing and educating our clients’ children at an early age to the investment planning process. We believe investment success is largely a function of time, discipline and tax deferral.
One Almaden Boulevard, Suite 1000 • San Jose, CA 95113Office: (408) 288-8700 • Direct: (408) 947-3117 • Fax: (408) 288-8790
[email protected] • [email protected]
Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 0912-03203].
John R. Lehr: Senior Vice President – Investments
Joanne Gong: Officer, Senior Client Associate
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FS 12 — Five Star award information: www.fivestarprofessional.com
Special advertiSing Section
2012 Five Star Wealth
Man
agers
Russell Wixon • Lawrence Olin • Robert Schwarz
Getting Set for Your Second Half
Left to right: Front row: 2011 winner Andrea DeVincenzi, two-year winner Russell Wixon, 2012 winners Lawrence Olin and Robert Schwarz; Back row: Tara Skipper, Andrew Agosta and Jamie Lunge
• Retiring employees of oil and gas corporations• Specializing in 401(k) and pension rollovers• Independent and unbiased advice
We formed the Wixon Olin Financial Group of Wells Fargo Advisors because of the ever-increasing complexity in the fi nancial industry. There has been an explosion of diff erent products and services in the past 15 years. Because of the overwhelming amount of information, we believe the only way to stay on top of each area is to have professionals who
specialize in particular areas — specialists in retirement planning, investment planning and estate planning strategies. We believe working with a team is — and will continue to be — the best avenue for you when it comes to your fi nancial well-being. Contact us today to start planning for your second half.
2033 North Main Street, Suite 600 • Walnut Creek, CA 94596Local: (925) 746-7277 • Toll-free: (877) 482-7277
[email protected] • www.wixonolin.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 0912-02507 9/17/12].
Andrea DeVincenzi, Associate Vice President – Investments, CFP®; Russell Wixon, Managing Director – Investments, Senior PIM Portfolio Manager; Lawrence Olin, Managing Director – Investments, CFP®; Robert Schwarz, Managing Director – Investments, CFP®
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www.fivestarprofessional.com: Five Star award information — FS 13
Special advertiSing Section 2012 Five Star W
ealth M
anag
ers
Herrmann Group
Putting Your Interests First
• Planning and investment services
• Fee-based fi duciary advisors
• 29 years of serving clients in 180-plus cities
Left to right: Two-year winner David P. Herrmann, Kerry L. Davis and2012 winner Jason M. Cooke
Herrmann Financial Services is a fee-based, comprehensive fi nancial services fi rm committed to helping you improve your long-term fi nancial success. We have been creating customized programs for 29 years, designed to grow, protect and conserve your wealth, while striving to deliver an exceptional level of personalized service and expertise. We specialize in investment management, retirement planning, estate planning and general fi nancial planning.
370 Diablo Boulevard, Suite 201Danville, CA 94526
Phone: (925) 831-0200
david@herrmannfi nancial.comwww.herrmannfi nancial.com
David Herrmann, Jason Cooke and Kerry Davis are CERTIFIED FINANCIAL PLANNER™ professionals who abide by the CFP® Board’s fiduciary standard to act in utmost good faith, in a manner he or she reasonably believes to be in the best interest of the client. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP (with flame logo) in the U.S.
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Integre Wealth Management Group
We Have a Single, Clear Purpose — Your Whole Future
• Consultative wealth management process
• Integrated investment management
• Solutions for corporate executives
Mary Brooks, Wealth Management Specialist, CFP®Left to right: Margaret O’Hearn, Five Star award winner Mary Brooks, Ila Bautista
Our formula for true wealth management involves the key components of investment consulting, in-depth planning and a well-managed advisor-client relationship. We follow a well-defi ned process to ensure that we address all aspects and issues encompassing your whole fi nancial life. We provide discretionary asset management services designed to help you preserve capital, achieve a reasonable rate of return and outpace the erosive eff ects of infl ation and taxes.
2999 Oak Road, Suite 1030 Walnut Creek, CA 94597
Phone: (925) 952-5258
[email protected] www.Integrewm.com
Raymond James & Associates, Inc., Member New York Stock Exchange/SIPC. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and 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.
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FS 14 — Five Star award information: www.fivestarprofessional.com
Special advertiSing Section
2012 Five Star Wealth
Man
agers
Jennifer S. Murphy
Dedicated Advisor and Financial Solutions Professional
• Retirement planning
• Wealth management
• Intelligent solutions/meaningful support
Independent Financial Consultant
Jennifer is dedicated to developing an uncommon understanding of each client’s needs. She supports and counsels every client through all stages of the investment process, off ering unbiased, objective and independent advice. Her focus is on fi nding intelligent solutions to support individualized fi nancial goals with integrity, confi dentiality and commitment. She is empowered by the training, research and technology of LPL Financial.
1255 Treat Boulevard, Suite 300Walnut Creek, CA 94597
Offi ce: (925) 472-6722 • Cell: (925) 586-4166
Member FINRA/SIPC.
The Pulley Groupat Morgan Stanley
Helping People Retire for 30 Years
• Retirement income specialists
• Innovative rollover strategies
• Established oil/gas corporation clientele
Erik Pulley, Sr. VP, Wealth Advisor, Sr. Investment Mgmt. Consultant; John Pulley, Sr. VP, Wealth Advisor; Jack Gunst, VP, Financial Advisor; Robin Ross, Consulting Group Analyst; Jill Vonhof, Registered Marketing Assoc.Left to right: Jack Gunst, Jill Vonhof, Robin Ross, 2012 winner Erik Pulley
Not pictured: 2011 winner John Pulley
For nearly three decades, Five Star Wealth Manager Erik Pulley and The Pulley Group have guided clients through the challenging process of planning for their retirement. We are a committed, established wealth management team that off ers impartial strategies, thorough recommendations and exceptional client service. We strive to help you simplify your fi nancial life while remaining focused on the most important goal: the security and protection of your fi nancial future. Our success is based on exceeding expectations.
1995 University Avenue, Suite 500 Berkeley, CA 94704
Direct: (510) 486-2457 • Toll-free: (800) 543-9087
[email protected] fa.smithbarney.com/thepulleygroupsb
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.9/12
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www.fivestarprofessional.com: Five Star award information — FS 15
Special advertiSing Section 2012 Five Star W
ealth M
anag
ers
Benjamin W. Wong and James Audley
Your Future Intelligently Planned
• Focused on consistent long-term results
• Disciplined approach
• Friendly, personalized service
President CFP®, MBA Left to right: Two-year winner Benjamin W. Wong, Mindy Hedges, Shabina Ra� q
and 2012 winner James Audley
Our clients are unique and individual in their circumstance. We appreciate this and work with them to build portfolios and investment plans that refl ect their personal needs. We are dedicated to providing exceptional wealth management services based on sound fi nancial planning and proven investment management disciplines. For more than 25 years, we have maintained an effi cient and friendly standard of service recognized by both our clients and peers.
7011 Koll Center Parkway, Suite 260 Pleasanton, CA 94566
Offi ce: (925) 227-8858
[email protected] www.ben-wong.com
Investment Securities and Advisory Services offered through Financial Telesis, Inc. Member FINRA, SIPC.
Two-
Year
Winn
er
“Wishful thinking is not planning. If you plan for the worst, you will never be unpleasantly surprised.”— Five Star award winner
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FS 16 — Five Star award information: www.fivestarprofessional.com
Special advertiSing Section
2012 Five Star Wealth
Man
agers
Michelle Perry Higgins
2303 Camino Ramon, Ste. 250 San Ramon, CA 94583 Offi ce: (925) 275-1000 mperryhiggins@calfi nad.com www.calfi nad.com
• Comprehensive fi nancial planning • Retirement planning • Investment advisory services
Title: Principal
Commitment • Vision • Integrity
"I am honored to have been selected as a Five Star Wealth Manager. Thank you to my amazing clients for their continued support and loyalty."
Maloon, Powers, Pitre & Higgins, LLC is proud to manage more than $800 million in assets. Ms. Higgins specializes in wealth management and has built a successful practice advising professionals into retirement.
Maloon, Powers, Pitre & Higgins, LLC/California Financial Advisors is a Registered Investment Advisor.Securities offered through Financial Telesis Inc. (Member FINRA/SIPC). License No. 0B79346.
Mark Greenberg
Wealth and Tax Planners 1646 N California Blvd., Ste. 315 Walnut Creek, CA 94596 Phone: (925) 938-4300 [email protected] www.wtplanners.com
• 28 years of fi nancial planning experience • Custom retirement planning • Momentum-based, low-cost investing
Mark Greenberg, Principal and Founder, JD, CFP®
Trusted and Informed Advice
We are pleased to be ranked among the top three percent of all wealth managers in our area! This confi rms our earlier selection to a list published in Forbes Magazine two years in a row. Why? Client service and attention to detail are our hallmarks. As accomplished book authors, with decades of experience advising clients for retirement, we easily guide you to the right decisions. We off er low-cost, dynamic investing — asset allocation for lower risk plus momentum to help maximize gain. Past performance is no guarantee of future results. All investments have risk. Securities offered
through Financial Telesis, Inc., a Broker/Dealer and Member FINRA/SIPC.
John A. Cordano
2303 Camino Ramon, Ste. 250San Ramon, CA 94583Offi ce: (925) 275-1000, Ext. 239Toll-free: (800) 841-3823, Ext. 239jcordano@calfi nad.comwww.calfi nad.com
• Comprehensive fi nancial planning • Retirement planning • Investment advisory services
Title: Financial Planning Executive
Credential: Chartered Financial Consultant®(ChFC®)
Financial Advice Based on Client Goals
John A. Cordano, ChFC®, is a fi nancial planner with California Financial Advisors in San Ramon. Mr. Cordano has 20 years of experience helping clients evaluate their pre and post-retirement planning goals, which involve customized fi nancial analysis and portfolio management. John specializes in working with corporate employees and executives in planning for retirement and managing their wealth. Mr. Cordano values a long-term approach to investing and is independent of any specifi c proprietary brand, allowing him to give unbiased advice.
Maloon, Powers, Pitre & Higgins, LLC/California Financial Advisors is a Registered Investment Advisor. Securities o� ered through Financial Telesis Inc. (Member FINRA/SIPC). CA License No. 0A93851.
Two-
Year
Winn
er
Kimberly Barentsen
1255 Treat Blvd., Ste. 300 Walnut Creek, CA 94597 Offi ce: (925) 472-6871 Cell: (925) 323-1365 [email protected] www.fi rstallied.com
• 22 years of experience as a fi nancial advisor • Committed to personalized client service • Dedicated to meeting your fi nancial goals
Financial Advisor
Registered Principal, B.S. from BYU
Providing Personal Service and Advice
I want to thank those involved for selecting me as a Five Star Wealth Manager. I serve families and individuals of all ages, specializing in personal and customized service. Maintaining long-term relationships with my clients brings me great satisfaction as I off er trustworthy and well-researched advice.
Kimberly Barentsen is a registered representative offering securities through First Allied Securities, Inc. Member FINRA/SIPC. Advisory Services offered through First Allied Advisory Services.
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www.fivestarprofessional.com: Five Star award information — FS 17
Special advertiSing Section 2012 Five Star W
ealth M
anag
ers
Roger A. Moore
3825 Hopyard Rd., Ste. 170Pleasanton, CA 94588 Phone: (925) [email protected]/roger.a.moore
• Financial advice aligned with client values • Holistic approach to fi nancial planning • Experience makes the diff erence
Titles: Financial Advisor, Business Financial Advisor
Personal, Professional, Caring Advice
As an Ameriprise fi nancial advisor, I believe success should be measured not just by your fi nancial well-being, but by how confi dent you feel about your future. My mission is to help you reach your fi nancial goals through a personal relationship based on personalized, knowledgeable advice. This focus is designed to help you reach your goals, giving you greater confi dence.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.
Two-
Year
Winn
er
John F. Mullen II
1600 S Main St., Ste. 285Walnut Creek, CA 94596Offi ce: (925) 938-2800Cell: (925) [email protected]
• Plans and tools that evolve as you do • Financial services professional since 1973 • Accredited Investment Fiduciary® (AIF®)
Title: LPL Registered Principal – Owner
Credentials: CFP®, CLU®, AIF®
Maintaining Wealth for Generations
John has provided fee-based fi nancial, estate planning and investment advisory services for more than 30 years. He and his team assist high-net-worth families coast to coast in the pursuit of their most important goals by vigorously applying the key elements of the fi duciary standard: competency, putting the client’s interests fi rst and being worthy of the trust placed in them. Thank you to our clients for your continued confi dence.
Securities and advisory services offered through LPL Financial, LLC. A registered investment advisor. Member FINRA and SIPC. California Insurance Lic. 0B02609.
Two-
Year
Winn
er
Alan E. Metheny
2033 N Main St., Ste. 600Walnut Creek, CA 94596Phone: (925) 472-5214Toll-free: (800) [email protected]
• Customized investment and retirement planning• Strategic portfolio and income management• Exceptional service and integrity
Senior Vice President – Investments
Wealth Advisor, Senior Portfolio Manager
29 Years of Experience
We provide personalized investment planning and portfolio management for high-net-worth families and their retirement plans. We focus on developing an investment strategy to meet objectives that refl ect lifestyle expectations, cash-fl ow needs, risk tolerance and aspirations for families, w hen it comes to making important investment plans and investment decisions that aff ect your future.
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 0812-04190].
Two-
Year
Winn
er
Christopher T. McClure
Lincoln Financial Advisors 3000 Executive Pkwy., Ste. 400 San Ramon, CA 94583
Phone: (925) 659-0213
[email protected] lfasagemark-pacifi c.com
• Estate planning • Investment/retirement planning • Business succession planning
Private Wealth Advisor
Assisting Clients With Their Goals
Securities and investment advisory services offered through Lincoln Financial Advisors, a broker-dealer (member SIPC) and registered investment advisor. Insurance offered through Lincoln Marketing and Insurance Agency, LLC and Lincoln Associates Insurance Agency, Inc.
and other fine companies. CRN201209-2072126 .
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FS 18 — Five Star award information: www.fivestarprofessional.com
Special advertiSing Section
2012 Five Star Wealth
Man
agers
Kinley Wong
3000 Executive Pkwy., Ste. 400San Ramon, CA 94583-4335Phone: (925) 659-0267Direct: (925) 275-0300, Ext. [email protected]
• Exceptional service and personal attention • Retirement income and planning strategies • Investment and fi nancial planning
Title: Financial Planner
Credential: CRPC®
Personal, Professional Caring Advice
My goal is to make a diff erence in the lives of my clients. I have more than 10 years of experience and will take the time to listen and understand your goals. I want to thank my clients for their confi dence in me and look forward to continuing to provide exceptional service! Securities and investment advisory services o� ered through Lincoln Financial Advisors, a broker-dealer
(member SIPC) and registered investment advisor. Insurance o� ered through Lincoln Marketing and Insurance Agency, LLC and Lincoln Associates Insurance Agency, Inc. and other � ne companies. Lincoln
Financial Group is the marketing name for Lincoln National Corporation and its a� liates.CRN201208-2071060.
Two-
Year
Winn
er
Chris Zonca
3000 Executive Pkwy., Ste. 400 San Ramon, CA 94583 Phone: (925) 659-0268 [email protected] www.lfg.com
• Retirement income specialist • Asset management • Comprehensive fi nancial planning
Title: Personal Wealth Adviser
Credential: CCPS
Strategies for Wealth Accumulation and Protection
With more than 13 years of experience, Chris has built a successful practice by working with executives, retirees and successful professionals. Chris excels in the areas of asset management, retirement and fi nancial planning. Comprehensive advice and a commitment to providing outstanding service are trademarks of Chris and his service team. Through the planning cycle, Chris looks to provide tailored advice and strategies that help increase his clients’ probability of success.CA Insurance Lic. No. 0C89821 Securities and investment advisory services o� ered through Lincoln Financial Advisors,
a broker-dealer and registered investment advisor. Insurance o� ered through Lincoln Marketing and Insurance Agency, LLC and Lincoln Associates Insurance Agency, Inc. and other � ne companies. CRN201109-2058823.
Two-
Year
Winn
er
Ellen D. Resneck
3595 Mt. Diablo Blvd., Ste. 390Lafayette, CA 94549Phone: (925) [email protected]/ellen.d.resneck
• Retirement planning• Women’s fi nancial strategies• Wealth preservation
An Ameriprise Platinum Financial Services practice®
Financial Advisor, CERTIFIED FINANCIAL PLANNER™
Put Your Dreams More Within Reach
As an Ameriprise Platinum Financial Services advisor, I can help you with your goals to preserve and grow your assets. I am required to maintain the highest levels of client satisfaction, and I have the experience to help clients with more complex fi nancial needs. I work with an established network of expert resources to help you bring your dreams and goals more within reach.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.
Two-
Year
Winn
er
G. Frederick Schroeder
3620 Happy Valley Rd., Ste. 203 Lafayette, CA 94549 Direct: (925) 283-7913 Toll-free: (800) 930-7913 [email protected] www.schroeder-capital.com
• Custom-tailored private accounts • 10-year verifi ed performance record • Forbes 2012 Northern California Financial Leader
President, Chief Investment Officer
Chartered Financial Analyst® (CFA®)
Expertise in Global Markets
Our unique distinction among peers is broad-based knowledge of global markets and its application to portfolio building. Our clients benefi t from the vast experience gained working with Sir John Templeton and personally managing all of the $2 billion client assets of Templeton Portfolio Advisory. We customize both domestic and international portfolios, drawing upon a comprehensive information platform channeled into strategies and portfolios designed to meet client needs.
Schroeder Capital Management, LLC, is a Registered Investment Advisor and a member of FINRA.
Two-
Year
Winn
er
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Special advertiSing Section 2012 Five Star W
ealth M
anag
ers
www.fivestarprofessional.com: Five Star award information — FS 19
2144 Shattuck Ave. Berkeley, CA 94704 Office: (510) 549-3032Toll-free: (800) 345-7216 [email protected] Senior Financial Advisor
Thomas Corbat
I can deliver a full range of investments tailored to your needs.
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, is a registered broker-deal and a separate non-bank a� liate of Wells Fargo & Company [CAR 0912-00856].
Investment and Insurance Products:
NOT FDIC-Insured NO Bank Guarantee May Lose Value
Two-
Year
Winn
er
2240 Third St. Livermore, CA 94550 Office: (925) 292-2638 [email protected] www.sterlingfs.net CERTIFIED FINANCIAL PLANNER ™
Lisa Lagorio
Thank you for the honor of this award. I've had the pleasure of meeting the needs of clients for more than 25 years. The success of my practice is based on relationships built upon trust and dedication to helping clients reach their financial goals. Registered Representative o� ering securities through National Planning Corporation (NPC), a registered broker-dealer Member FINRA & SIPC. Advisory services o� ered through Sterling Financial Services (SFS), a registered
investment advisor. SFS and NPC are separate and unrelated companies.
6160 Stoneridge Mall Rd., Ste. 150 Pleasanton, CA 94588 Office: (925) 730-3814 [email protected] Vice President / Senior Investment Management Consultant, Financial Advisor
Frank B. Hemmen
I will work with you to help you preserve and grow your wealth, relying on the insights of seasoned investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.
1320 Willow Pass Rd., Ste. 710 Concord, CA 94520 Phone: (925) 246-7800, Ext. 7400 [email protected] Advisor, Franchise Owner
Emily S. Bassman
Many of my clients are seeking to create wealth and financial freedom and need to create a personal financial plan to pursue this goal. That's where I can help by structuring a plan designed to achieve your financial goals. Website: www.ameripriseadvisors.com/emily.s.bassman.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., Member FINRA and SIPC.
Law Office of David A. Bromley 319 Diablo Rd., Ste. 100 Danville, CA 94526 Phone: (925) 362-1445 [email protected] Bromleylaw.com
David A. Bromley
Since 1990, David Bromley has been helping people plan their estates. He takes pride in making the complicated issues of estate planning understandable and sometimes fun. From the simplest of wills to the most intricate of trusts, David Bromley will help you formulate a plan that eliminates probate, minimizes estate taxes and smooths the transfer of your assets to your loved ones.
3189 Danville Blvd., Ste. 200Alamo, CA 94507Office: (925) 406-4186jamie.carey@lpl.comwww.careyconsultingwealthmanagement.com
Jamie Carey
We think you deserve better. We provide unbiased, prudent and timely advice. It’s time for a second opinion. Please call today. CA Insurance License 0B98802.
Jamie Carey, CFP®, CPA, MBA, is a registered principal, and securities are o� ered through LPL Financial. Member FINRA/SPIC.
Law Offices of Lisa Elliott 78 Mission Dr., Ste. B Pleasanton, CA 94566 Phone: (925) 426-3201 [email protected] lisaelliottlaw.com Attorney
Lisa Elliott
A properly drafted estate plan ensures peace of mind. Now is the time to prepare, protect and provide for your loved ones. Lisa Elliott has been in practice for more than 20 years and has helped many individuals create a personal plan to protect their assets from probate, taxes and family disputes.
Wells Fargo Advisors, LLC 2001 N Main St., Ste. 410 Walnut Creek, CA 94596 Phone: (925) 296-3628 Toll-free: (800) 345-7216 [email protected] home.wellsfargoadvisors.com/Harry.Hendricks Senior Financial Advisor, CFP®
Harry Hendricks
W ith more than 30 years of experience, I help clients develop and implement strategies for building wealth and realizing their goals.
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 0912-0452]
Investment and Insurance Products:NOT FDIC-Insured NO Bank Guarantee May Lose Value
Have a process for managing money
that is not based on opinions, attitudes
or emotions.
— Five Star award winner
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FS 20 — Five Star award information: www.fivestarprofessional.com
Special advertiSing Section
2012 Five Star Wealth
Man
agers
1017 Willow Dr.Lafayette, CA 94549 Phone: (925) 283-2733 [email protected] Credential: CFP®
Jeffrey M. Stark
I specialize in retirement planning, especially those issues that impact women. My goal is to help my clients grow and protect their assets for retirement and avoid the biggest mistake of running out of money. Ultimately, I want my clients to feel understood, in control of their finances and to look forward to their future with confidence.
LPL Financial, Member FINRA/SIPC.
Two-
Year
Winn
er
102 La Encinal Ct. Clayton, CA 94517 Office: (925) 683-3474 [email protected] lpl.com/kevin.zimmer1 Wealth Manager
Kevin Zimmer
Kevin has been servicing and advising clients for more than 20 years. He specializes in managing their assets and helping them plan for a secure future. Kevin provides planning and solutions to his clients from design through implementation on an unbiased and independent platform.
Securities o� ered through LPL Financial, Member FINRA/SIPC .
5000 Hopyard Rd., Ste. 400Pleasanton, CA 94588Office: (925) [email protected] Title: Partner
Nick Tooliatos
Comprehensive estate planning, probate, civil and criminal tax matters, and complex business and real estate transactions.
Two-
Year
Winn
er
1333 N California Blvd., Ste. 133 Walnut Creek, CA 94596 Direct: (925) 746-2982 [email protected] www.ms.com/fa/theintegragroup CRPS®, Wealth Advisor
George M. Noceti
Your economic and life situation is unique, and I keep that in mind when providing financial planning advice. I believe that personalized service is essential when matching your long-term needs with the right financial services and financial products.
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.
Two-
Year
Winn
er
Successful Financial Education Workshops 20632 Redwood Rd., Ste. E Castro Valley, CA 94546 Phone: (510) 888-7171Toll-free: (888) 376-7171 [email protected] www.tomnohr.com Tom Nohr, CFP®
Tom Nohr
I'm honored to be selected as a 2012 Five Star Wealth Manager. During my 27 years, I've seen what people do right and what they do wrong. Now, I bring that experience to a select group of clientele.
Securities and Advisory Services o� ered through National Planning Corporation (NPC) member FINRA and SIPC and a Registered
Investment Advisor. NPC, Five Star Professional and Successful Financial Education Workshops are Separate and Unrelated Companies.
34988 Newark Blvd. Newark, CA 94560 Direct: (510) 574-0721 Toll-free: (800) 345-7216 [email protected] Financial Advisor, CFP® Vice President – Investments
Shaba Rashid
With more than 20 years of experience in the financial services industry, I’m committed to providing objective financial guidance in building and preserving wealth for my clients. 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 0912-04000]
Investment and Insurance Products:NOT FDIC-Insured NO Bank Guarantee May Lose Value
1333 N California Blvd., Ste. 133 Walnut Creek, CA 94596Direct: (925) [email protected] Vice President, Financial Advisor
Greg Mathias
Greg Mathias a 2011 – 2012 Five Star Wealth Manager listens to his clients, learns their situations and provides financial guidance to assist them in meeting their goals.
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.
Two-
Year
Winn
er
LPL Financial1990 N California Blvd., Ste. 830Walnut Creek, CA 94596Office: (925) [email protected], CLU®, CFS, CFP®, AEP®, CRPC®, AIF®
Stephen F. Lovell
Named one of America’s Top Financial Planners in 2008 by Consumers Research Council of America, based on client service. Stephen is a nationally recognized retirement expert. For 23 years, he’s helped Bay Area families feel confident about retirement income.
Stephen F. Lovell is a branch manager with, and securities and investment advisory services o� ered through, LPL Financial, a
Registered Investment Advisor, Member FINRA/SIPC.
Clients don’t care how much you know until they know how
much you care.
— Five Star award winner
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