Five Star 2012 San Diego Wealth Managers · Ameriprise Financial Services, Inc. Justin Frisco · Principal Financial Group Scott Galbraith · Crown Capital Securities Tom Gibbings

Five Star award information: fivestarprofessional.com — FS 1

Special advertiSing Section2012 Five Star W

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In a consumer study about dynamics between wealth manag-ers and their clients, Five Star Professional recently 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 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?

San Diego 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 93 percent.

Five Star Wealth Managers2012 San Diego

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

To be considered for the Five Star Wealth Manager award, a wealth manager must have been identified through research conducted with peers and firms. Five Star Professional relied on in-ternal and external research data, including a survey to more than 8,500 registered financial ser-vices professionals and all identified financial service companies in the area that are registered

with FINRA or the SEC. Recipients of the survey were asked to nominate wealth managers they felt were worthy of consideration for the Five Star Wealth Manager award (self-nominations are not accepted).

ProceSSNomination

The resulting list of 2012 Five Star Wealth Managers is a select group, representing less than 3 percent of the wealth managers in the San Diego area.(1)

Although this list is a useful tool for anyone looking for help in managing their financial world or imple-menting 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: fivestarprofessional.com

Special advertiSing Section

2012 Five Star Wealth

Man

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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 con-

strued as an endorsement of the wealth manager by Five Star Professional or San Diego Magazine.

• Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to fu-ture 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) 1,014 wealth managers in the San Diego area were nominated for the Five Star Wealth Manager award. 284 (approximately 28 percent of those nominated) were named 2012 Five Star Wealth Managers. The 284 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 in the area.

Nominated wealth managers 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 represen-tative, a CPA or a licensed attorney.

2. Actively employed as a credentialed professional in the financial services industry for a min-imum 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 93 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 $87 million in client assets).9. Number of client households served (on average, this year’s award winners serve 198

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 Dis-closure (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. 32,500 households in the San Diego 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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List compiled by Five Star Professional. Award winners listed by primary services.

Business PlanningKeith Eck · Keith Eck Financial & Insurance

Services

Matthew Fromm · Fromm Investment Management Page 24

Paul Honeycutt · Honeycutt Smith & Associates Page 20

Estate PlanningWilliam Beamer · Beamer Lauth Steinley &

Bond

Stacy DenHerder · DenHerder & Associates

Clive Essakow · Judkins Glatt & Hulme

Michelle Graham · Luce Forward Hamilton & Scripps

Dawn Hall-Cauthen · Procopio Cory Hargreaves & Savitch

Jack Reagan · ATS Financial

David Ruyle · Ruyle & Ruyle

Margaret Sandke · Law Offices of Margaret Tami Sandke

William Sauls · William H. Sauls Attorney at Law

Charles Scott · Kimbal Tirey & St. John

David Smedley · Smedley Gallagher & Gee Page 25

Robert Smykowski · Law Office

Michele Tutoli · Armstrong Fisch & Tutoli Financial Group Page 8

Joan Walsh · Foster Walsh

Joel Weissler · Weissler Law Group

Ellen Whelan · DLA Piper

Financial PlanningTyler Abney · LPL Financial

Marie Accunzo · Ameriprise Financial Services, Inc.

Gina Alkire · Ameriprise Financial Services, Inc.

Derek Anthony · Charles Schwab

Brett Atkinson · Ameriprise Financial Services, Inc.

Gregory Banner · Asset Preservation Strategies

Mark Barker · Financial Life Concepts

Matthew Barnhart · MetLife Page 22

Dale Beed · Morgan Stanley Smith Barney Page 10

Doak Belt · Innovative Wealth Solutions Page 16

Joel Beyer · Joel Beyer

Jon Beyrer · Blankinship & Foster

Shelley Lee Boyce · Financial Planning Solutions Page 24

Jeanne Bradford-Odorico · Bradford Wealth Management Page 13

Philip Bresnick · Morgan Stanley Smith Barney

David Bretz · Financial Network Investment Corporation

Scott Broberg · Securities America

Suzanne Cadwallader · Ameriprise Financial Services, Inc.

Steve Carter · Carter Financial

Brad Castillo · Merrill Lynch

Julia Cheng · Julia Cheng Wealth Management & Estate Planning Page 24

Jeff Christie · Ken Stern & Associates

Bret Cleveland · Morgan Stanley Smith Barney

Athena Constant · Ameriprise Financial Services, Inc.

Kathleen Covey · Covey & Covey

Ari Crandall · G.D. Financial Services

Robert Crane · Thrivent Financial

David Daubenspeck · LPL Financial

Troy Daum · Wealth Analytics

Mary Dean · Dean Consulting & Associates

Joseph DeFalco · Ameriprise Financial Services, Inc.

Raymond Dexter · LPL Financial

Curt DiGiacomo · Morgan Stanley Smith Barney

Jonathan Doering · Thrivent Financial Page 18

Michael Donohue · Donohue Wealth Management Page 13

Jack Dugan · Pure Financial Advisors

Peter Falk · Lincoln Financial Advisors

Zachary Fielder · Sentry Financial Partners

Jeff Fink · Morgan Stanley Smith Barney

Dan Foster · The AIM Financial Consulting Group

Leah Frederick · Frederick & Associates/Ameriprise Financial Services, Inc.

Justin Frisco · Principal Financial Group

Scott Galbraith · Crown Capital Securities

Tom Gibbings · 20/20 Financial Advisers of San Diego

Julie Godfrey · Godfrey Financial

Michael Graney · Ameriprise Financial Services, Inc.

Orin Green · Ameriprise Financial Services, Inc.

Philip Harrison · Ameriprise Financial Services, Inc.

Andrew Hathaway · Ameriprise Financial Services, Inc.

Alan Holt · Ameriprise Financial Services, Inc.

Scott Hood · Merrill Lynch

Tamara Huey · Ameriprise Financial Services, Inc.

Douglas Jarman · Financial Planning Consultants

John Jenkins · Asset Preservation Strategies

Timothy Jobe · Morgan Stanley Smith Barney

Karlee Johnson · Charles Schwab

Steven Krogh · LPL Financial

Nathan Labiak · Merrill Lynch

Dan Laframboise · DL Wealth Management Group

Steve Lahre · Morgan Stanley Smith Barney

Joseph LeBlanc · LeBlanc Financial Planning

Michael Lincoln · Lincoln Capital

Kristopher Lindley · LPL Financial

James Lingelbach · MetLife Page 19

John Lohrenz · JKL Wealth Management

Peggy Lombardo · The Financial Team

John Marc Lord · Comprehensive Financial Group

David Lu · Morgan Stanley Smith Barney Page 21

Raymond Lucia, Jr. · RJL Wealth Management Page 6

Kyle Malmstrom · Centara Capital

William McColl · Morgan Stanley Smith Barney

Brian McLean · Infinity Financial & Insurance Services

Patrick McNaughton · McNaughton & Smith/Ameriprise Financial Services, Inc.

Shari Miller · LPL Financial

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Glenda Moehlenpah · Financial Bridges

David Moran · AXA Advisors

Tari Nagel · Ameriprise Financial Services, Inc.

Paul Neves · FSI Wealth Management

Kelly Newell · Sentry Financial Partners

Rodrigo Oliva · Ameriprise Financial Services, Inc.

Gregory Overland · Ameriprise Financial Services, Inc.

David Owens · Independent Financial Group

Larry Palmer · 20/20 Financial Advisers of San Diego

John Peelle · Peelle Financial Services

Josephine Pemberton · Pemberton Financial & Insurance Services

Christopher Phelps · Financial Life Concepts

James Pierik · Financial Planning Consultants

Ryan Ponsford · Crosswind Strategies

Christopher Rand · Strategic Wealth Associates Page 25

Lori Robinson · Morgan Stanley Smith Barney

Michael Rohling · Pacific Crest Global Wealth Management

Michael Shanahan · Overland & Shanahan

Martin Shapiro · Martin Shapiro Insurance and Financial Services

Eric Simms · Ameriprise Financial Services, Inc.

Rodney Simms · Ameriprise Financial Services, Inc.

Philip Smith · Ameriprise Financial Services, Inc.

Michael Sorenson · LPL Financial

Danielle Stanton · Danielle DeMarce Stanton & Associates Page 25

Bryan Stebel · Stebel Financial Group Page 15

W. Gary Stemple · PlanForTomorrow

Joshua Stipcich · Market Pulse Wealth Management

John Tanner · Ameriprise Financial Services, Inc.

Ray Taraz · Ameriprise Financial Services, Inc.

Chad Taylor · Morgan Stanley Smith Barney Page 17

Dustin Ten-Broeck · Centara Capital

Jeffrey Todd · Todd Financial Group

Donald Van Dyke · MetLife

Maureen Verduyn · The Financial Team

Jodi Vleck · Raymond James Financial Services

Ginita Wall · Ginita Wall, CPA

Ashley Walters · Ameriprise Financial Services, Inc.

Joan Weiss · Sagemark Consulting

James Whitener · LPL Financial

Edward Williams · Eagle Strategies

Brian Wilverding · Ameriprise Financial Services, Inc.

Jay Wurtzler · Capital Growth

Michael Zepeda, Jr. · MML Investors

Brian Zimmerman · Liberty Partners Financial Services Page 25

InsuranceBrian Ferguson · Ferguson McClure &

Associates Page 18

Traci Havey · Wealth & Wisdom Financial & Insurance Services Page 16

Brian Samuels · Highland Capital Financial Consulting

Carolyn Taylor · Morris Polich & Purdy

InvestmentsJohn Agostino · Wells Fargo Advisors, LLC

Page 24

Michael Andreotti · Wells Fargo Advisors, LLC

Lawrence Andrews, Jr. · RBC Wealth Management Page 17

J. Samuel Armstrong · Wells Fargo Advisors, LLC Page 9

Candace Bahr · Bahr Investment Group

Byron Bailey · Stifel & Nicolaus

William Beamer · Dowling & Yahnke

William Bengen · Bengen Financial Services

Ryan Bowers · Enviso Capital

David C. Brandt · Ameriprise Financial Services, Inc.

Douglas Brandt · Merrill Lynch

Kimberley Brickey-Cyr · Morgan Stanley Smith Barney

Frederick Brooks · Blankinship & Foster

Michael Callahan · Merrill Lynch

Chris Campion · Edward Jones

James Carey · Wedbush Securities

Kurt Cecconi · Principal Financial Group

Allen Chan · Edward Jones

Bill Chenoweth · Hokanson Associates

Douglas Cochran · Morgan Stanley Smith Barney Page 11

John Condos · Morgan Stanley Smith Barney

Ken Corlett · Millennium Wealth Management Page 24

Stephen Cota · Reliance Financial Services

Daniel Crotta · Morgan Stanley Smith Barney

Tim Cusick · Wells Fargo Advisors, LLC

Clark DeArmond · Independent Wealth Management

Robert Dermody · Wells Fargo Advisors, LLC

Dale Doorly · Morgan Stanley Smith Barney

Kevin Dyerly · Wells Fargo Advisors, LLC

Lilly Emerson · Morgan Stanley Smith Barney Page 22

Kent Engdahl · Morgan Stanley Smith Barney

John Eves · Merrill Lynch

Toby Ferner · Wells Fargo Advisors, LLC

Christopher Ficara · Merrill Lynch

John Fieberg, Jr. · Edward Jones

Dax Fletcher · Morgan Stanley Smith Barney Page 24

James Flickinger · LPL Financial

Gregory Flynn · Wells Fargo Advisors, LLC

Blake Foster · Wells Fargo Advisors, LLC

George Foster · Wells Fargo Advisors, LLC

Jim Freeman · Financial Alternatives

Richard French · Morgan Stanley Smith Barney Page 20

Michael Funtas · Edward Jones

Sylvia Geffen · Wells Fargo Advisors, LLC

John Giokaris · Wells Fargo Advisors, LLC

Justine Girard · Wells Fargo Advisors, LLC

David Gotz · Southwest Securities

Bryan Gust · LPL Financial

Robert Halligan II · LPL Financial

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Hayley Higgins · Wells Fargo Advisors, LLC

Joris Hitt · Morgan Stanley Smith Barney Page 22

Neil Hokanson · Hokanson Associates

Candise Holmlund · Weatherly Asset Management

Stella Hui · Charles Schwab

Mark Hyma · PFS Wealth Advisors

Paul Hynes · HearthStone Private Wealth Management

Randall Iwai · Morgan Stanley Smith Barney

Derryck Jones · Wells Fargo Advisors, LLC

Patrick Kearney · Wells Fargo Advisors, LLC Page 24

James Kuntz · Pacific Wealth Management

Scott Kyle · Coastwise Capital Group

Jeffrey LaBerge · Enviso Capital

Jason Labrum · Labrum Capital Advisors Page 23

Suzanne LaTour · Merrill Lynch

Courtney Liddy · Merrill Lynch

Nico March · Wells Fargo Advisors, LLC

Bart Martinez · Wells Fargo Advisors, LLC

Michael A. Mays · Wells Fargo Advisors, LLC Page 24

Chris McCann · Morgan Stanley Smith Barney Page 21

John McKean · Edward Jones

Chip Messenger · LPL Financial

E. Scott Miller · Wells Fargo Advisors, LLC Page 24

Jennifer Mills · Merrill Lynch

Steven Montgomery · Charles Schwab

Michael Moore · American Money Management

Richard Nerad · Nerad + Deppe Wealth Management

Jeffrey Ott · First Allied Securities Page 23

Robert Ottaviano · Morgan Stanley Smith Barney

Justin Parker · Southwest Securities

Debra Patterson · AXA Advisors

Douglas Peart · Wells Fargo Advisors, LLC

Dean Pfremmer · Morgan Stanley Smith Barney

David Phelps · Wedbush Securities

Elizabeth Pille · Morgan Stanley Smith Barney

Jeff Platt · Harrison - de Charon

Lawrence Potomac · Financial Insight Corporation

Wilfredo Racelis · Foresters Equity Services Page 23

Richard Radigan · Wells Fargo Advisors, LLC Page 14

Kevin Rainosek · Edward Jones

Bruce Rawdin-Baron · Rawdin-Baron Financial

Randolph Richmond · Crosswind Strategies Page 12

Donald Ritley · Ameriprise Financial Services, Inc.

Mark Robbins · Wells Fargo Advisors, LLC

Sheryl Rowling · Moss Adams Wealth Advisors

Leo Schad · RBC Wealth Management

Anna Scherer · Wells Fargo Advisors, LLC

Eric Schindler · Schindler Wealth Management

James Schwager · Ameriprise Financial Services, Inc.

Marc Seward · Enviso Capital

Gregg Shallan · Wells Fargo Advisors, LLC

John Shelton · Multi-Financial Securities Corporation

Jean Sinclair · Avenue Advisors

Bradley Sissons · Edward Jones

Christine Skoczek · Skoczek & Associates Page 25

Drew Slacum · Morgan Stanley Smith Barney

William Smith · Wells Fargo Advisors, LLC

Gary Soble · LPL Financial

Jon Stahley · Ameriprise Financial Services, Inc.

Eric Stegmann · Charles Schwab

Shawna Such · Merrill Lynch

Matthew Sweeney · RBC Wealth Management Page 19

Gregory Syrios · Wells Fargo Advisors, LLC

Jeffrey Tadder · Wells Fargo Advisors, LLC

David Tam · Edward Jones

Tom Tate · Wells Fargo Advisors, LLC Page 25

Carolyn Taylor · Weatherly Asset Management

Gayle Tejada · Wells Fargo Advisors, LLC

Paul Temby · Dowling & Yahnke

Peter Thoms · Orion Capital Management

Nancy Tuininga · Wells Fargo Advisors, LLC

Brendan Van Cleve · Ken Stern & Associates

Linda Vigil · Merrill Lynch

Mark Walton · Morgan Stanley Smith Barney Page 22

Craig Weaver · Morgan Stanley Smith Barney

John Weinstein · Morgan Stanley Smith Barney

Schuyler White · Wells Fargo Advisors, LLC

Barbara Williams · Financial Focus

Susan Williams · Wells Fargo Advisors, LLC

Dale Yahnke · Dowling & Yahnke

TaxationJesse Burack · Burack & Company

Rob Butterfield · Butterfield Schechter

Daniel Dubina · Dubina & Lee, CPAs

Dan Gatto · Gatto Pope & Walwick

Gary Kornfeld · Kornfeld and Levy, CPAs

Salvatore LaManna · LaManna & LaManna, CPAs

Toni Leadingham · Toni M. Leadingham, CPA

Robert Ludwig · Larson Ludwig & Stokes

Karyn Meletis · Kuhn & Koviak

Vladimir Raicevic · Carey & Raicevic, CPA

Richard Shaw · Higgs Fletcher & Mack

Todd Tyler · Todd Tyler, CPA

Steven Wendroff · Steven Wendroff, CPA


Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and the federally registered CFP (with flame logo) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. The Chartered Financial Consultant credential [ChFC®] is a financial planning designation awarded by The American College.

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Raymond J. Lucia Jr.

Helping clients Build a Sound Strategy for retirement

• 15-year industry veteran

• Leads 22 offi ces nationwide with more than 100 employees and 18 salaried fi nancial advisors

• More than $1.5 billion in invested assets*

Titles: Owner, Chief Executive Officer, Portfolio Manager

Designations: Certified Public Accountant, Personal Financial Specialist

13520 Evening Creek Drive North, Suite 300 • San Diego, CA 92128Office: (800) 644-1150

[email protected] • www.rjlwm.com

Securities offered through Lucia Securities, LLC (LSL), a Registered Broker/Dealer, member FINRA/SIPC. Advisory services offered through RJL Wealth Management, LLC (RJLWM). RJLWM and LSL are affiliates. *As of 7/30/2011, assets managed by RJLWM totaled $396,355,434.00. In addition, our investment advisor representatives as registered representatives of LSL oversee $1,177,506,904.89. **Photo taken at the University Club, downtown San Diego.

RJL Wealth Management, headquartered in San Diego, CA, offers a wide array of investment opportunities with the primary objective of helping clients build a sound strategy for retirement. It’s not just about wealth accumulation — it’s about providing a sense of confidence when most retirees today are uncertain their money will last a lifetime. Clients benefit from the firm’s years of experience in helping thousands plan for and manage their retirement.

As Chief Executive Officer, Ray Lucia Jr. is responsible for overseeing the firm’s financial strategy, product design and overall vision. He prides himself on providing a work environment that fosters growth and opportunity within a family-oriented culture. Additional members of the management team include President Brent Rivard and Executive Vice President Joe P. Lucia.

RJL Wealth Management provides a boutique experience while offering products and services usually only available through Wall Street firms and aims to stand out from its competitors by employing salaried financial advisors. This approach places the primary focus on building meaningful relationships and developing the right strategy for clients, independent of specific investment solutions. RJLWM calls this approach Strategy FirstSM.

In 2011, Ray Lucia Jr. launched a mutual fund and a full-service broker-dealer, Lucia Securities, LLC. Both additions complement RJLWM’s existing offerings and create a platform for future growth.

Left to right: Three-year winner Rick Plum, Stacy Ridge, Brent Rivard, 2012 award winner Ray Lucia Jr., Joseph Lucia, Matt Hansen, Theresa Ochs**© Five

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Raymond J. Lucia Jr.

Helping clients Build a Sound Strategy for retirement

• 15-year industry veteran

• Leads 22 offi ces nationwide with more than 100 employees and 18 salaried fi nancial advisors

• More than $1.5 billion in invested assets*

Titles: Owner, Chief Executive Officer, Portfolio Manager

Designations: Certified Public Accountant, Personal Financial Specialist

13520 Evening Creek Drive North, Suite 300 • San Diego, CA 92128Office: (800) 644-1150

[email protected] • www.rjlwm.com

Securities offered through Lucia Securities, LLC (LSL), a Registered Broker/Dealer, member FINRA/SIPC. Advisory services offered through RJL Wealth Management, LLC (RJLWM). RJLWM and LSL are affiliates. *As of 7/30/2011, assets managed by RJLWM totaled $396,355,434.00. In addition, our investment advisor representatives as registered representatives of LSL oversee $1,177,506,904.89. **Photo taken at the University Club, downtown San Diego.

RJL Wealth Management, headquartered in San Diego, CA, offers a wide array of investment opportunities with the primary objective of helping clients build a sound strategy for retirement. It’s not just about wealth accumulation — it’s about providing a sense of confidence when most retirees today are uncertain their money will last a lifetime. Clients benefit from the firm’s years of experience in helping thousands plan for and manage their retirement.

As Chief Executive Officer, Ray Lucia Jr. is responsible for overseeing the firm’s financial strategy, product design and overall vision. He prides himself on providing a work environment that fosters growth and opportunity within a family-oriented culture. Additional members of the management team include President Brent Rivard and Executive Vice President Joe P. Lucia.

RJL Wealth Management provides a boutique experience while offering products and services usually only available through Wall Street firms and aims to stand out from its competitors by employing salaried financial advisors. This approach places the primary focus on building meaningful relationships and developing the right strategy for clients, independent of specific investment solutions. RJLWM calls this approach Strategy FirstSM.

In 2011, Ray Lucia Jr. launched a mutual fund and a full-service broker-dealer, Lucia Securities, LLC. Both additions complement RJLWM’s existing offerings and create a platform for future growth.

Left to right: Three-year winner Rick Plum, Stacy Ridge, Brent Rivard, 2012 award winner Ray Lucia Jr., Joseph Lucia, Matt Hansen, Theresa Ochs**© Five

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AF&T Financial GroupPreserve Wealth, Protect Family, Create a Legacy

Left to right: Two-year winner Robert Armstrong*, � ve-year winner Michele A. Tutoli*, Sanford Fisch*Seated: Stephanie A. Lord and Michael J. Lord*

• Estate planning, trust administration and fi duciary tax services• Insurance and retirement planning, including long-term care• Asset allocation, tax and fee-based investment management servicesDesignations: Certified Specialist in Estate Planning, Trust and Probate Law, CFP®

Armstrong, Fisch & Tutoli has provided comprehensive wealth management services to residents of San Diego County for more than 30 years. Our mission has been to build long-term relationships through customized planning for individual and family needs. This planning coordinates the legal documents with the fi nancial tools you need to protect you and your loved ones from the devastating legal and fi nancial eff ects of disability and death.

Through our legacy planning process, we work with clients to develop tailored plans to assist in the creation, preservation and transfer of wealth, both for yourself and future generations. Our fi rm is staff ed with experienced attorneys, paralegals and licensed fi nancial advisors trained in the complex areas of probate, trust and ever-changing tax laws, as well as the fi nancial products and services you need to implement your plan. Our professional staff provides a unique experience to help you make informed decisions about your family’s future.

Armstrong, Fisch & Tutoli, Attorneys-at-Law/AF&T Financial Group6050 Santo Road, Suite 240 • San Diego, CA 92124

Office: (858) 453-0626 • Fax: (858) 874-0510www.armstrongfisch.com

*Securities offered through 1st Global Capital Corp., member FINRA/SIPC. Investment advisory services offered through 1st Global Advisors, Inc. Insurance offered through AF&T Insurance Services, License No. 0D65291.

WINNER

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J. Samuel ArmstrongExperience, Commitment, Integrity

• More than 25 years advising clients• Past president and 20-year board member for UCSD’s Moores Cancer Center• Co-founded the Luau & Longboard Invitational which raised more than $5 million for UCSD’s Cancer CenterTitle: Vice President – Investments

Area of Focus: Strategies for Growing Wealth

Sam works with clients looking to grow their investments through individual portfolios, 401(k) rollovers and IRAs. He follows a contrarian approach to investing. Sam builds portfolios of stocks and bonds with clients, while educating

them to the advantages of a low turnover portfolio, thus simplifying their lives. This is accomplished by focusing on the larger positive trends that aff ect our society.

888 Prospect Street, Suite 301 • La Jolla, CA 92037Office: (858) 456-7717 • Toll-free: (800) 556-0014

[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 1111 – 3028 11/11].

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Dale A. BeedMy Main Objective Is My Clients’ Success in Pursuing Short- and Long-Term Financial Goals

• Preservation of personal wealth• Helping to grow and maintain a family legacy

Focus: Tailoring portfolios to pursue both current and retirement needs for clients

Titles: First Vice President, Financial Advisor

Dale A. Beed, a veteran of the securities industry since 1985, as of May 2008 joined the fi rm of Morgan Stanley Smith Barney and its predecessor fi rms after more than 18 years at UBS, coming to UBS from Bateman Eichler. Prior to that, he owned an import/export business. Earlier in his career, Dale was an engineer with the Maritime Services Board of New South Wales in Sydney, australia.

As a Morgan Stanley Smith Barney Financial Advisor, Dale has experience in all areas of investing strategies, including the areas of objective assessment, asset allocation, the analysis of professionally managed investments as well as ongoing performance evaluation.

Dale believes that having an investment policy statement is the cornerstone of a successful investment strategy, and because each investor is an individual with unique needs and circumstances, he designs a specifi c portfolio based on information gathered from personal appointments. His investment philosophy is to help his clients preserve their principal purchasing power and obtain a constant level of total return, including both income and growth of capital consistent with their tolerance for risk.

1225 Prospect Street • La Jolla, CA 92037Phone: (858) 729-5079 • Toll-free: (800) 473-2331, Ext. 5079 • Fax: (858) 551-5907

[email protected] • http://www.morganstanley.com/fa/Dale.Beed

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

WINNER

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Douglas CochranFixed-Income Portfolio Management

• Tax-exempt municipal bond specialist• More than 20 years of fi nancial experience• Specializing in ultra high-net-worth clientsTitles: Senior Vice President, Wealth Advisor

Member of the firm’s prestigious Chairman’s Club, an elite group composed of the firm’s top financial advisors

A native of San Diego County, I hold a bachelor’s degree in business from San Diego State University. Our offi ces overlook La Jolla Cove, and I currently live in San Diego County with my wife and two children. I specialize in high-quality, fi xed-income investment portfolios with a goal of current income and focus on working with clients whose duration of retirement exceeds their employment, such as professional athletes and high-profi le individuals. I have more than 20 years of experience and

have been with Morgan Stanley Smith Barney for 11 years. I am a member of the fi rm’s exclusive Fixed Income Select program, and with the help of dedicated resources and services, I can provide customized investment strategies and solutions for clients looking to manage, grow, preserve and transition their wealth. Contact me for a complete analysis of your existing portfolio.

1250 Prospect Street • La Jolla, CA 92037Office: (858) 729-5073 • Toll-free: (800) 473-2331

[email protected]


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The Crosswind TeamTrust • Integrity • Experience • Client Service

Investment ManagementFinancial PlanningBusiness Planning

Left to right: Debbie Watts, three-year winner Randy Richmond, Trish Connery

• Wealth preservation• Tactical and alternative investment solutions• Life transition managementTitles: Founder, Owner, Principal

Designations: MBA, CERTIFIED FINANCIAL PLANNER™ practitioner, Accredited Investment Fiduciary®

We specialize in the tactical allocation of investment assets (shorter-term strategies) versus the traditional “buy and hold” strategies of the past. Our clients like our “participate up/protect down” strategies that provide guard rails in these volatile markets.

3655 Nobel Drive, Suite 350 • San Diego, CA 92122Office: (858) 453-5100

[email protected] • www.crosswindstrategies.com

Advisory Services offered through Crosswind Advisory, LLC, a Registered Investment Advisor. Securities offered through Ceros Financial Services, Inc. Member FINRA, SIPC.Crosswind Advisory and Ceros are not affiliated.

Client Approach:We make the complex simple.

Accomplishments:Senior Executive at IBM and Pfi zer; CEO at three tech companies.

Association Membership:Serves on several corporate and charitable boards of directors.

Primary Custodian for Investor Assets:Bank of new York – Mellon.

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DB Wealth Management Groupa registered investment advisor

Areas of Focus: Integrating Investment, Tax Planning, Retirement Income, Risk Management and Estate Planning Strategies

Left to right: Kathleen Sanchez, four-year winner Jeanne Bradford-Odorico, Bergen Garner, six-year winner Michael Donohue, Sylvie Steinback

• Partnering with clients to help create, protect and preserve wealth through objective fi nancial planning and strategic investment management

Designations: Michael K. Donohue, CFP®, CFS®; Jeanne Bradford-Odorico, CFP®, CLU®

What is your vision of retirement? Do you have confi dence knowing you’re fi nancially prepared and living life to its fullest? or are you spending your time worrying about outliving your money?

Our combined experience of more than 50 years has been enhancing clients’ lives by combining broad and deep technical fi nancial expertise with the ability and desire to understand what matters most to every client.

DB Wealth Management’s clients have unique individual circumstances, and they rely on us to analyze and develop

personalized strategies. By providing advice and insight regarding fi nancial alternatives and educating with clear explanations of relevant concepts, we can help transform fi nancial visions into reality.

We believe comprehensive wealth management isn’t found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client. We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality.

dB Wealth Management group, llc1450 Frazee Road, Suite 610 • San Diego, CA 92108

Office: (619) 497-0404 • Fax: (619) 497-0804www.retirementstrategies4you.com

Michael K. Donohue, CA Insurance Lic 0685025 and Jeanne Bradford-Odorico, CA Insurance Lic 0661685 are Registered Principals with and securities offered through LPL Financial, member FINRA/SIPC.

WINNER

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Richard J. RadiganClient-Focused Personal Relationship Dedicated to Your Success

• Passionately committed to fi nding investment opportunities for growth and income portfolios• IRA rollover options from your previous employer’s 401(k), 403(b) and profi t sharing plans

Title: First Vice President – Investments, California Insurance License OA05116

Throughout Richard’s 30 years of experience in the fi nancial services industry, he has gained a reputation of working with families and individuals to help grow and preserve their wealth. He strives to know his clients well and build long-lasting relationships. Richard also understands that planning for retirement generates many questions. He is committed to making sure he personally addresses client concerns. His

ultimate goal is for your retirement to be enjoyed without fi nancial stress. We all know that the world is full of uncertainty; and building long-term relationships helps foster confi dence that your fi nancial advisor can help you attain your goals. Richard would be honored to have the opportunity to share his approach with you.

11682 El Camino Real, Suite 110 • San Diego, CA 92130Phone: (858) 523-7900, Ext. 7922 • Phone: (800) 538-8301

[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 1111-2207 11/11].

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Bryan StebelProviding Comfort With Sound Financial Strategies

• We have relationships not clients• Customized retirement income planning• Ethics and integrity drive our fi duciary responsibilityCERTIFIED FINANCIAL PLANNER™ practitioner, Chartered Retirement Planning CounselorSM, Registered Financial Consultant

Bryan has achieved this award for three consecutive years, which is quite an accomplishment during these diffi cult fi nancial times. Bryan has been in the fi nancial industry for more than 19 years, with 11 of those years at Fidelity Investments. While at Fidelity, Bryan was responsible for managing more than $400 million of client assets and became the preferred advisor for universities and health care facilities in the San Diego area. Since opening his own practice in 2006, Bryan has become a partner and First Executive VP in

Gateway Financial Advisors Inc., which has 70-plus advisors across the country with close to $1 billion under management. in addition to retirement planning and wealth management, Bryan has expanded his business to provide life, long-term care, disability, property and casualty insurance to his clients. Bryan brings a high level of personal commitment to each client and believes communication is the key to success in any business venture.

535 North Highway 101, Suite C • Solana Beach, CA 92075Phone: (858) 717-0833

[email protected] • www.stebelfg.com

Securities offered through Cambridge Investment Research, Inc., Member FINRA/SIPC. Advisory Services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor.Stebel Financial Group and Cambridge are not affiliated. See the announcement page for more information on how the Five Star Wealth Managers are chosen.

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Wealth & Wisdom Financial GroupEducate, Counsel and Guide Our Clients

Areas of Focus: Education and planning with financial strategies designed to help you maximize your wealth

Left to right: Ver Belt, Rachael Negrete, three-year winner Leroy Lopez, two-year winner Doak Belt, three-year winner Traci Havey and Stacie Caeg

• Building strong relationships• A team approach to your fi nancial goals• Developing and implementing strategies in wealth management

Times are economically challenging, and we are here to see that your fi nancial well-being remains strong. Wealth & Wisdom Financial provides you with fi nancial strategies designed to help you maximize your wealth. We off er one-stop shopping for all your fi nancial well-being, including the accumulation, distribution and conservation of wealth. Our fi rm has an educational and interactive approach. Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us. From diff erent fi nancial strategies to insurance and estate planning, we fi nd ways to achieve your fi nancial goals that don’t take away from your lifestyle so that you can enjoy your money today while saving for your future.

Wealth & Wisdom Financial2878 Camino del Rio South, Suite 510 • San Diego, CA 92108

Office: (619) 521-2100 • Fax: (619) [email protected] • [email protected] • www.w-wp.com

Securities offered through The O.N. Equity Sales Company, Member FINRA/SIPC, One Financial Way, Cincinnati, OH 45242, (513) 794-6794.

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The Andrews-Perry Group

Relationships. Expertise. Solutions.

• Serving the needs of San Diego’s families

• Off ering comprehensive wealth management

• Delivering world-class solutions

Dedicated to addressing the complex financial needs of clients through wealth managementDesignations: CFP® certification, AWMLeft to right: 2010 winner Stan Perry and six-year winner Lawrence Andrews, Jr.

RBC Wealth Management ranked “Highest in 2011 Investor Satisfaction With Full Service Brokerage Firms” in J.D. Power and Associates Full Service Investor Satisfaction Study. the Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning, investment strategies, insurance solutions, retirement income funding, and credit and lending strategies to help meet their clients’ needs. The team works together to proactively develop a wealth management plan to help clients in all stages of their lives address 13 critical wealth management issues facing sophisticated families. The Andrews-Perry Group is known to establish and maintain long-lasting, collaborative relationships with clients. To learn more, visit their website or contact them directly.

the andrews-perry group, rBc Wealth Management

4250 Executive Square, Suite 800La Jolla, CA 92037

Phone: (858) 550-5171 • Toll-free: (866) 615-5294

[email protected]/andrewsperry

RBC Wealth Management, a division of RBC Capital Markets LLC, Member NYSE/FINRA/SIPC. RBC Wealth Management does not provide tax or legal advice. We will work with your independent tax/legal advisor to help create a plan tailored to your specific needs.

WINNER

The Bridges Group at Morgan Stanley Smith Barney

Wealth planning during challenging times

• Comprehensive wealth management

• Customized retirement planning

• Professional portfolio management

Titles/Designation: Financial Advisor , Senior Vice President – Wealth Management, CFP®Left to right: Luke Ervin, Five Star award winner Chad Taylor and Tonya Heath

Five Star award winner Chad Taylor, CFP®, and Luke Ervin, CIMA®, formed the Bridges Group to help simplify their clients’ fi nancial lives, allowing them to focus on what’s most important to them: their families and businesses. By providing retirement planning, portfolio management and equity compensation planning strategies, they strive to understand their clients’ goals and aim to tailor strategies to help them reduce risks, increase fi nancial confi dence and enjoy a comfortable retirement.

4350 La Jolla Village Drive, Suite 1000San Diego, CA 92122

Offi ce: (858) [email protected]; [email protected]

www.fa.smithbarney.com/bridgesgroup


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Ferguson McClure & Associates

Strategies for Businesses and Business owners

• Building the right retirement plan for you and your business

• Estate planning and wealth preservation strategies

• Finding the most suitable health care product for your business

Areas of Focus: Employee Benefits, Estate Planning, Investments and Retirement PlansLeft to right: Two-year winners Ed McClure and Brian Ferguson

As a business owner or successful individual, you need to make complex fi nancial planning and investment decisions. These decisions must be made, whether you have the time, energy and expertise to make them or not. Recently, this has been compounded by signifi cant turmoil going on with taxes, health care and the markets. Our mission is to create long-lasting partnerships with you as we provide the clarity and understanding necessary in striving to get these important decisions right. We would like to thank our clients for helping us become a Five Star award winner.

701 Palomar Airport Road, Suite 125Carlsbad, CA 92011

Phone: (760) 607-0611

www.fergusonmcclure.com

Edwin McClure and Brian Ferguson are registered representatives with LPL Financial. Securities and financial planning offered through LPL Financial. Member FINRA/SIPC. CA Insurance Lic. OB29274 and OB51184.

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Jonathan Doering

Values-Based Financial Services

• Focused on long-term client relationships

• Advice and education to help you maintain fi nancial security

• Coordinated team of fi nancial representatives and support staff

Retirement distribution strategies, investment management concepts, tax-effi cient estate and charitable strategies

Jonathan Doering celebrated 21 years of service with Thrivent Financial in 2011. In recognition of his expertise, he holds esteem as a member of Thrivent Financial’s Pinnacle Leaders Group earned by only 45 fi nancial representatives in the country. He has attended the globally recognized Financial Management Program at The Wharton School of Business with emphasis on investment strategies and tax advantaged strategies. Jonathan is proud to be honored by the Lutheran Community Foundation as a VIP (Voices in Philanthropy) for his commitment to charitable planning as a signifi cant part of his work.

9191 Towne Centre Drive, Suite 355San Diego, CA 92122

Direct: (858) 455-5227Toll-free: (877) 593-1195

[email protected]

Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal, accounting, or tax advice or services. Work with your Thrivent Financial representative, and, as appropriate, your attorney and/or tax professional for additional information. Securities and investment advisory services are offered through Thrivent Investment Management Inc., Minneapolis, MN, a FINRA and SIPC

member and a wholly owned subsidiary of Thrivent Financial for Lutherans. For additional important disclosure information, please visit thrivent.com/disclosures. 201008190. The Lutheran Community Foundation is a public charity serving donors and the community through charitable funds. The Lutheran Community Foundation is independent of Thrivent Financial for Lutherans and its associates.

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The Folsom-Stirling-Sweeney Group

nationally ranked by Barron’s

• Experienced stock and bond management

• RBC WM top-rated municipal bond trading and underwriting services

• Comprehensive family wealth planning services

Fee-based discretionary portfolio managementDesignations: CERTIFIED FINANCIAL PLANNER™ practitioner, Investment Advisor Representative

Left to right: Four-year winner John Folsom, Linda Stirlingand three-year winner Matthew Sweeney

Described by many clients as their primary advisor, the Folsom-Stirling-Sweeney Group consolidates individuals’ fi nancial assets to customize and manage a portfolio appropriate for their investment objectives. The RBC global, nonproprietary platform allows for customization honed by 33 years’ experience in fi nancial advisory services, off ering strategic solutions for clients’ fi nancial needs.

4250 Executive Square, Suite 800La Jolla, CA 92037

Direct: (858) 550-5116 • Toll-free: (888) 909-5116

[email protected]/folsomstirlingsweeney

RBC Wealth Management, a division of RBC Capital Markets LLC. Member NYSE/FINRA/SIPC.

Financial Planning Division Team

Planning for the “if” in Life …

• Small-business owners and medical professionals

• Retirement and estate strategies; investment analysis and portfolio management

• Delivery of objective advice through a well-defi ned fi nancial planning process

Jim Lingelbach, 2008 – 2012; Mark Pearcy, 2007 – 2011; Tim Essman, 2010 – 2011Designations: CFP®, ChFC®, CLU®, CASL®Left to right: Five-year winner Jim Lingelbach, four-year winner Mark Pearcy, two-year

winner Tim Essman

With more than 50 years of industry experience and client relationships, our team works with busy and successful people just like yourself, making their lives simpler and more productive. We provide fi nancial insights for tax, retirement and estate planning strategies, including wealth accumulation, management and distribution.

Through purposeful and timely conversations, our process is designed to help achieve the goals you want through a unique approach to planning.

3131 Camino del Rio North, Suite 1200San Diego, CA 92108

Offi ce: (619) 281-9890Toll-free: (877) 267-7595

www.sdfi nancialplanning.comAll representatives noted above are financial service representatives and financial planners of MetLife. Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities and investment advisory

services offered by MetLife Securities, Inc. (MSI) (FINRA/SIPC), a registered investment adviser. MLIC and MSI are MetLife companies. MetLife does not provide tax or legal advice. Please consult your tax advisor or attorney for guidance. Financial Planning Division, an office of MetLife. L1111222902 [exp1212] [CA]. Lingelbach # 0764473, Pearcy # 0C20807, Essman # 0C37992.

WINNER

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Honeycutt, Smith & Associates

Personal, Professional, Caring Advice

• Designing smart strategies to help meet today’s economic challenges

• Pursuing top dollar and more when selling your business

• Helping you sell your business for the lowest tax cost Areas of Focus: Business, Estate, Investment and Exit PlanningDesignation: CERTIFIED FINANCIAL PLANNER™ practitioner

Left to right: Two-year winner Paul Honeycutt and Ronald Smith

We provide individuals and business owners with extensive fi nancial, estate and retirement planning. We use a systematic approach to exit planning, in order to maximize the value owners receive when they decide to sell or transfer their business. With 80 years of combined experience, we bring creative solutions to our clients’ planning needs. 4225 Executive Square, Suite 955

La Jolla, CA 92037

Offi ce: (858) 200-0900

www.honeycuttsmith.com

Paul E. Honeycutt, CFP® Practitioner (CA Insurance Lic# 0728831) and Ronald F. Smith, CLU®, ChFC® (CA Insurance Lic# 0688599) are registered representatives and investment adviser representatives with/and o� er securities through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. They also o� er advisory services as Investment Adviser Representatives of H.S. Financial, Inc., a Registered Investment Adviser, in the states of

CA and NV. Fixed insurance products and services are o� ered by Honeycutt Smith & Associates. H.S. Financial, Inc. and Honeycutt Smith & Associates and their services are separate and unrelated to Commonwealth.

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Richard B. French

investment Management

• Retirement and income planning

• Fiduciary portfolio management

• Experienced fi xed income management

Titles: Sr. Vice President, Financial Advisor

Richard was awarded the title of Senior Vice President – Investments with Morgan Stanley in 1999. He has more than 25 years of experience assisting clients with wealth accumulation, designing and implementing income plans, retirement planning, insurance strategies and comprehensive wealth management. He also has access to some of the top fi duciary managers in the country today.

5796 Armada Drive, Suite 200 Carlsbad, CA 92008

Offi ce: (760) 931-4613 Toll-free: (800) 676-0460

[email protected]

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC. Securities licensed in 23 states. Commodities licensed. CA insurance lic No. 0A88555.

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Chris W. McCann

Strategic Wealth Management

• Custom portfolio management

• Retirement income planning

• Family legacy planning

Titles: Vice President, Wealth AdvisorDesignations: CFP®, CIMA®

Chris McCann has been a Financial Advisor for more than 10 years. He and his team work collaboratively with their clientele in creating customized investment strategies that focus on preserving, growing and transitioning their wealth. Chris is a CERTIFIED FINANCIAL PLANNER™ practitioner and is a Certifi ed Investment Manager Analyst completing his coursework at The Wharton School. Chris also serves as a subject matter expert for the Certifi ed Financial Planner Board of Standards.

5796 Armada Drive, Suite 200Carlsbad, CA 92008

Offi ce: (760) 931-4646

[email protected]


David Lu

Dedicated to Your Success

• Comprehensive wealth and investment management

• Open architecture investing: multiple platforms to manage your investments

• Customized fi nancial plans

Titles: Financial Advisor, Senior Vice PresidentDesignation: CERTIFIED FINANCIAL PLANNER™ practitioner

Committed to a personalized and proactive approach.

David is a CFP® professional with 14 years of experience in the wealth management and investment fi eld. David works closely with families and individuals to help bring together strategies for the multidimensional aspects of their fi nancial aff airs. This involves enhancing, creating and preserving wealth, as well as guiding them step-by-step through every strategy custom tailored for each individual situation.

5464 Grossmont Center Drive, Suite 200La Mesa, CA 91942

Offi ce: (619) 668-4337 • Toll-free: (800) 729-2900

[email protected]/fa/david.g.lu


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Lilly Emerson

16644 W Bernardo Dr., Ste. 400San Diego, CA 92127Phone: (858) [email protected] fa.morganstanleyindividual.com/lilly.emerson

• Helping to simplify the fi nancial maze• Tuning in to what you need• Personalized lifetime income strategies

Areas of Focus: Life Transition Wealth and Income Planning

Titles/Designation: Vice President, Financial Advisor, CRPC®

Her Clients’ Favorite Go-To Person

lilly has an honest, straightforward delivery of well-thought-out, smart advice. She engages and cares deeply for the needs of her clients and our surrounding community. Whether she is hosting fun, interactive appreciation events or meeting one-on-one, Lilly can be counted on to be focused on you. Serving the needs of individuals and intergenerational families has been her passion for nearly two decades. With the resources of Morgan Stanley Smith Barney behind her, Lilly’s personalized care helps create a stable base for your own lifetime fi nancial plan.


Matthew C. Barnhart

Metlife 3131 Camino del Rio N, Ste. 1200 San Diego, CA 92108

Direct: (619) 641-3625 Toll-free: (877) 267-7595

[email protected] www.MatthewCBarnhart.com

• Fee-based fi nancial planning • Investment management • Protection planning

Mission

Resource for Your Financial Needs

Our mission is to become a lifetime resource for individuals, families and businesses by providing them exclusive personal fi nancial advice to help them achieve their fi nancial dreams. We accomplish this by forming a relationship and building trust with our clients, off ering sound fi nancial advice and providing top-notch service to a select number of clients.Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities and investment advisory services offered by MetLife Securities, Inc. (MSI), member FINRA/SIPC. MLIC and MSI are

MetLife companies. L1111221323[exp0113]

The Walton & Hitt Group at Morgan Stanley Smith Barney

Mark Walton, Joris Hitt, Kate Hover

• Knowledge: Joris Hitt, 17 years; Mark Walton,12 years

• Commitment: clients’ interests are fi rst

• Execution: customized strategy

Titles: Vice Presidents, Financial Advisors,Portfolio ManagersLeft to right: 2012 award winner Joris Hitt, Kate Hover, � ve-year winner Mark Walton

The Walton & Hitt Group, with Five Star award winners Joris Hitt and Mark Walton, manages more than $350 million in assets. As balanced portfolio managers of stocks and bonds, they focus on time-tested, asset allocation methods that have worked consistently in the long run. They employ tactical, conservative option strategies to minimize risk and increase income in clients’ portfolios. The Walton & Hitt Group believes successful investing begins with a discretionary management process that eliminates emotionally driven decisions.

1250 Prospect Street, Suite 202La Jolla, CA 92037

Direct: (858) 729-5071Toll-free: (800) 473-2331

[email protected] • [email protected]


WINNER

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Jeffrey Ott

4437 30th St.San Diego, CA 92116Phone: (619) [email protected]

• Independent for a reason• Customized advice based on client needs• 27 years of experience

Focus: Investment Management, Retirement Planning, Insurance

Designations: Registered Principal, CA Insurance Lic. OA59832

The Client Always Comes First

For more than 27 years, Jeff has been affi liated with an independent broker/dealer fi rm. Therefore, he has been able to focus solely on the clients’ interests — not the fi rm’s. Given today’s fi nancial climate, that fact has never been more important. There is never a fee for an initial consultation. It is a real honor to have been selected by my clients and colleagues for this award three years in a row. Thank you for your recognition of the value of my services.

Securities offered through First Allied Securities, Inc., a Registered Broker/Dealer. Five Star Wealth Managers do not pay a fee to be included in the research of the final list. The award is based on 10

objective eligibility/evaluation criteria and may not be representative of any one client’s experience.

Jason R. Labrum

5650 El Camino RealCarlsbad, CA 92008Phone: (760) 707-5555Toll-free: (877) [email protected]

• Active portfolio management• Guaranteed income planning• 401(k) and retirement plans for business

Title: President

Designation: CERTIFIED FINANCIAL PLANNER™ practitioner

intelligent Stewardship of Wealth

Labrum Capital Advisors, LLC is a process-driven independent wealth management fi rm that is focused on delivering tailored fi nancial solutions to individuals, families and businesses. We believe our clients deserve the absolute highest level of service along with insightful, unbiased advice that is free from confl icts of interest, with access to the broadest possible choice of investment and planning opportunities from which to thrive.

Labrum Capital Advisors, LLC (“LCA”) is a registered investment advisor located in Carlsbad, California.

Willie D. Racelis

Foresters Equity Services Inc. 6640 Lusk Blvd., Ste. A202 San Diego, CA 92121

Cell: (619) 405-2603 Toll-free: (800) 350-9885

[email protected] www.wdracelis.com

• Retirement income solutions • Tax-advantaged investment planning • Wealth preservation and transfer strategies

Designation: Chartered Retirement Planning CounselorSM

Broad Perspective, Trusted Advice

My mission is to help you live a comfortable and confi dent lifestyle by applying prudent and sound fi nancial and investment principles and strategies. i believe that understanding your needs, goals and fi nancial situation is critical to building a successful long-term strategy. I believe that you should benefi t from a diverse range of solutions within a comprehensive, individual strategy. I endeavor to review and recommend adjustments as your needs and goals change.

Investment Advisor Representative of and o� ering securities and advisory services through Foresters Equity Services Inc., a member of FINRA and SIPC, and a Registered Investment Advisor. CA Lic. No. 0D00215.

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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

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Man

agers

5780 Fleet St., Ste. 140 Carlsbad, CA 92008 Office: (760) 930-2444 Direct : (760) 930-3416 [email protected] www.wfadvisors.com/john.agostino

First Vice President – Investments

John S. Agostino

A sincere "thank you" goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life 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, LLC, Member SIPC. [CAR 1111-3261 11/11].

Financial Planning Solutions, Inc. 2784 Gateway Rd., Ste. 102 Carlsbad, CA 92009 Phone: (760) 929-1180 [email protected] www.FinancialDesign.net Designations: CFP®, AIF®

Shelley Lee Boyce

For more than 20 years, Shelley has served a diverse clientele with her conservative analytical skills, comprehensive custom financial plans, por tfolio design and management.

Shelley Lee Boyce is a Registered Representative with/and O� ers Securities through Commonwealth Financial Network, Member

FINRA/SIPC. Advisory services o� ered by Financial Planning Solutions are separate and unrelated to Commonwealth.

WINNER

7380 Clairemont Mesa Blvd., San Diego, CA 92111Toll-free: (888) [email protected] of Focus: Business and Estate Planning StrategiesDesignations: CFP®, MBA

Julia Cheng

Julia Cheng is nationally recognized by Financial Planning Association and MDRT as a strategic financial planner, with global investment perspective and more than 22 years of experience.

States Licenses: AZ, CA, CO, CT, DC, FL, GA, HI, IL, MA, MD, MI, NJ, NM, NV, NY, OH, OR, TX, UT, VA, WA. Securities o� ered through Girard Securities, Inc., member FINRA and SIPC. Accounts carried by National

Financial Services, LLC or Pershing, LLC.

5230 Carroll Canyon Rd., Ste. 214 San Diego, CA 92121 Phone: (858) 452-6455 [email protected] CFP®, MWM President

Ken Corlett

Ken and his team strive for excellence in service, for their clients. To explore their services, visit www.kencorlett.com.

MWM operates under and services o� ered through First Financial Equity Corporation Member FINRA/SIPC – www.� ec.com.

Supervisory o� ce: 7373 N. Scottsdale Rd., Ste. D-120, Scottsdale, AZ 85253, (480) 951-0079.

101 W Broadway, Ste. 1800 San Diego, CA 92101 Phone: (619) 236-1331 Toll-free: (800) 473-1331 [email protected]/Designation : Financial Advisor , CRPS®

Dax Fletcher

Over the last decade, two unique niches have formed organically in Dax’s practice. He has assisted women investors who have been divorced or widowed. Additionally, Dax specializes in retirement plans for professionals who need to defer more income than traditional 401(k) limits.


888 Prospect St., Ste. 301 La Jolla, CA 92037 Direct: (858) 456-7745 [email protected] wfadvisors.com/patrick.kearney Title: First Vice President – Investments

Patrick Kearney

My priorities are respect and cooperation with clients, integrity in every aspect of the relationship and a spirit of true partnership, as we work toward helping you achieve your financial 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, LLC, Member SIPC. [CAR1111-2210A 11/11].

WINNER

11512 El Camino Real, Ste. 210 San Diego, CA 92130 Cell: (858) 337-2054 [email protected] Title: First VP – Investment Officer, MBA

Michael A. Mays

“Thank you to my clients for the privilege of serving your financial interests and sharing the journey.”Corp. executive services, stock option exercise, investment mgmt., insurance planning and executive retirement planning.

CA Ins. Lic. 0C43047. 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 1111-4317 11/11].

Wells Fargo Advisors, llc 11682 El Camino Real, Ste. 110San Diego, CA 92130Phone: (858) 523-7999www.wfadvisors.com/e.scott.miller Focus: Providing comprehensive investment and retirement planningTitle: Vice President – Investments

E. Scott Miller

This award is extra special to me as I celebrate my 30th year as a financial advisor. It’s been a pleasure serving the San Diego community, and i look forward to many more rewarding years to come. CA Ins Lic 0A26182. 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 1111-1695 11/4].

Fromm Investment Management 7486 La Jolla Blvd., Ste. 451La Jolla, CA 92037Toll-free: (866) [email protected] Designations: MBA, CRPS®

Matthew Fromm

creating and preserving wealth through up and down markets since 1997, Matt Fromm is honored to receive the Five Star award again this year. He would like to thank his clients for their referrals and trust.

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ealth M

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Skoczek & Associates 2020 Camino del Rio N, Ste. 500San Diego, CA 92108 Phone: (619) 238-1040, Ext. 210 [email protected] Fee-only wealth and financial management servicesDesignations: CPA/PFS, CFP®

Christine Skoczek

Chris helps attorneys, executives and other professionals make smart decisions with their money. Her unique business model is as straightforward as it is exceptional: Never delegate the relationship. She excels at untangling complexities, simplifying solutions and avoiding costly mistakes.

4817 Santa Monica Ave.San Diego, CA 92107 Phone: (619) 223-1641Fax: (619) 224-1327 [email protected] www.sgg-law.com Title: Attorney at Law

David G. Smedley

David Smedley has been practicing law since 1983 and has focused his practice in the estate planning/estate settlement field since 1990. He is a member of the estate planning sections of the California Bar Association and the San Diego Bar Association.

LPL Financial 8313 La Mesa Blvd. La Mesa, CA 91942 Phone: (619) 644-1277 [email protected] lpl.com/danielle.stanton Title: Registered Principal

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service, while working toward meeting the needs and goals of our valued clients. I provide access to full-service financial planning, independent and objective investment advice, and build long-term client relationships.Securities and Advisory services and Financial Planning o� ered through

LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.

1350 Fashion Valley Rd. San Diego, CA 92108 Office: (619) 296-5377 Toll-free: (800) 458-7375 [email protected] Financial Advisor, Vice President - Investments

Thomas T. Tate

Helping families and businesses manage their wealth and reach their life goals is challenging and rewarding. Being in the business for more than 28 years, I literally have experienced the wild ride that investing sometimes dishes up.

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 1111-3172A 11/11].

3111 Camino Del Rio N, Ste. 400San Diego, CA 92108Phone: (619) 528-2205Fax: (619) 528-2206 [email protected] www.BrianZee.comTitle: Financial Planner

Brian Zimmerman

I believe that good financial decisions don’t have to be confusing. I can provide simple, proven techniques that can help you make the most of your money and help achieve more of your financial goals.

new england Securities Corp.3131 Camino Del Rio N., Ste. 1250San Diego, CA 92108 Phone: (619) 683-6244 [email protected] www.ChristopherRand.com Designations: CFP®, MSFS, CLU®

Christopher Rand

Financial planning and wealth management since 1996.

Christopher Rand, a registered representative & � nancial adviser of New England Securities Corp.(NES), a broker/dealer (member FINRA/SIPC) and a registered investment adviser. CA Insurance

License 0B84066. Five Star Professional is not a� liated with NES. [L1111222143[exp1112][CA]].

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“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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Documents

Five Star 2012 San Diego Wealth Managers · Ameriprise Financial Services, Inc. Justin Frisco · Principal Financial Group Scott Galbraith · Crown Capital Securities Tom Gibbings