Broker Check

What is a Wealth Manager

What Level of Advice are You Using?

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

A major problem with our industry is that almost anyone can claim that they are a "Financial Advisor", "Retirement Advisor", or "Wealth Manager".  More often than not,  the reality is that they are often a lower level advisor, one that might only have a life insurance license, and maybe a lower level investment representative registration.    Many won't even have a securities license.  Those life insurance agents and lower level investment advisors can only provide a very small fraction of the full range of investments and protection products needed by their clients. We know first hand that this deception happens, because that is what we were instructed to do when we first started working in the industry.

Because we started out at the "Unqualified Advice" advisory level and over the years have moved up to the "Wealth Manager" level, we know first hand that there is a huge difference between the quality of the advice that is provided by an "Investment Advisor" level of advisor , compared to the quality of advice that is provided by a "Wealth Manager" level of advisor.  Wealth Managers are able to provide their clients with a higher quality of advice because of: a) their years of experience, b) their commitment to continuous education in the fields of investments, financial planning, retirement planning, estate planning and asset protection, and c) their higher level of Securities Licensing.  Because of their experience, education and advanced licensing, they are able to provide their clients the full range of products and services they need, and they usually also can also provide their clients with a wider range of investment opportunities and protection options that are not normally available to lower level advisors.  

An added bonus of working with a higher level Financial Advisors / Wealth Managers (Advisors that hold a Series 65 / 66 Securities license, CPA's, or CFP's) is that they are the only security licenses that allow the advisor to be able to: a) legally charge their clients a fee for providing financial advice and management, - and b) to be legally required to be a Fiduciary to their clients - 100% of the time.   Other licenses place the advisors fiduciary responsibility elsewhere.

We are proud that we are a Fiduciary to our clients, and we are proud that we only charge management fees to our clients - when it is in the client's best interest to do so.  Being a Fee Only Advisor (Fee Based Only), is not always in the client's best interest.

What makes an Elite Wealth Manager? 

  • Experience
  • Education
  • State of the Art Planning Tools
  • State of the Art Investment Tools
  • State of the Art Client Access Software
  • Access to the best Investment and financial specialist (Estate Attorneys, CPA's, Liability Protection) for complex, advanced planning 

As Wealth Managers, we match the level of services to the needs of our clients, whether it is advice related at the Investment Advisor level, the Financial Advisor and Retirement Planning level, and/or at the Elite Wealth Management level.  For clients that are considered Super High Net Worth and Ultra High Net Worth, we can provide you with either Family Office or Virtual Family Office level of services.

Small Business Owners, Real Estate Investors, Farmers and Ranchers have an additional level of complexity in their financial and wealth management planning, because they need to develop strategies and protection plans for:

  • What Happens if I become Disabled
  • What Happens if I die prematurely
  • What Happens when I retire

If they can make it to retirement, we need to develop an "Exit Strategy" or "Succession Plan" for their business interests.  A plan that will allow them to easily convert the embedded wealth in their business or enterprise, into long term cash flow and wealth transfer that will benefit themselves and their family