Wells Fargo Advisors

  What are you looking for in a Financial Advisor?

   Experience? Knowledge?  Trust? Responsiveness? Professional certification CFP®?  An Advisor to proactively guide you?  An Advisor that will contact you when markets change to inform you of decisions that may need to be made to keep your investment plan on track? An Advisor that will return your calls in a timely manner?  A true commitment to your financial success?  It is these exact qualities that have inspired loyalty on the part of my clients and compelled them to refer their closest Family, Friends and Associates. 

  My Approach

I help my clients approach their financial situation in a realistic way and provide objective advice and guidance needed to make appropriate investment decisions. This is done on an ongoing basis, to help ensure clients reach their investment goals.

My Experience

My first 7 years in the industry was with Fidelity Investments, during what was then the worst Bear Market (2000-2002) since the Great Depression.  During this time, I had the privilege to meet face to face with hundreds and hundreds of investors to review their financial situation and help guide them. I experienced first hand the stress and anxiety caused by the absence of a properly planned and monitored investment portfolio.

   I reviewed on average $ 200 million in client assets each year.  That is more than many investment planners will see in a lifetime; I was fortunate enough to see it every year. This rare experience was extremely valuable, but it also brought the realization that it was impossible for me to help thousands of clients on an ongoing basis in the capacity that a proper investment plan demands. 

 After completing my CERTIFIED FINANCIAL PLANNER™ certification in 2006, I recognized the need to advise clients in a more comprehensive and prudent way, with this in mind, I transitioned my practice to Wells Fargo Advisors in 2007 and dedicated my efforts to helping a select group of clients

 

 If you have been referred to this site, then you know someone that has benefited from my advice and I look forward to meeting with you to review and discuss your situation.

 

 
Calculators

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Life Expectancy

Knowing your likely life expectancy is an important factor in making long-term financial plans.

Mortgage Acceleration

This calculator can help you determine how soon you can pay off your mortgage.

Lifetime Earnings

This calculator is designed to help you attach a dollar figure to your life’s work.

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Newsletters

New Opportunity Under the Federal Gift Tax

The 2010 Tax Relief Act raised the lifetime gift-tax exclusion to $5 million. This means it could be a good time to make the most of tax-free gift transfers. If so, it's important to understand the annual and lifetime gift exemption limits, as well as which gifts might not be subject to them.

There’s Still Time to Catch Up

Worker confidence in affording a comfortable retirement fell to a record low in 2011, but investors aged 50 and older may be able to make up for lost time by maximizing contributions to retirement plans and taking advantage of catch-up contribution limits. The accompanying chart shows the potential difference in accumulation by taking advantage of catch-up contributions.

Do You Have Enough Disability Coverage

Disability can affect anyone without notice, and a well-paid professional in the midst of a productive career has much to lose if he or she suffers a medical problem and is unable to work. But there are ways that high earners can expand their coverage and help ensure that their income, assets, and lifestyle are not at risk from a potential disability.

Tax Changes for 2012

Mandatory annual inflation adjustments generally affect federal income tax brackets, retirement plan contribution limits, and estate tax exemption levels. Here are some of the major changes that could affect readers in 2012, with a table showing 2012 income thresholds for the six federal income tax brackets.

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