Five Star Wealth Managers

Transcription

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2013 Detroit
Five Star
Wealth Managers
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:
are financial advisors, financial planners, investment
advisors, tax advisors and estate planning attorneys.
• 2 9 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.
DBusiness magazine, HOUR Detroit 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.
• 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
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?
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
A Select
Award
The 2013 Five Star Wealth Managers are a select group, representing less than 7 percent of the wealth
managers in the Detroit 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.
Award
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. Detroit award candidates
were identified using internal and external research data, including a survey to more than
12,500 registered financial services professionals and all identified financial service companies in the area that are registered with
FINRA or the SEC.
Candidates
www.fivestarprofessional.com — FS 1
2013 Five Star Wealth Managers
ar
Special Advertising Section
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Determination
Of Award Winners
Award candidates who satisfied 10 objective eligibility and evaluation criteria that are
associated with wealth managers who provide quality services were named 2013 Five Star
Wealth Managers.(2)
Eligibility Criteria – Required(3)
1. C redentialed as an investment advisory representative (IAR), a FINRA-registered
representative, a CPA or a licensed attorney.
2013
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.
The Five Star award goes to less
than 7 percent of wealth managers.
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 $99 million in client assets).
9. Number of client households served (on average, this year’s award winners serve 254
households).
Insights from Five Star
Wealth Managers
10. Education and professional designations.
Research
Disclosures
• Wealth managers do not pay a fee to be considered or
placed on the final list of Five Star Wealth Managers.
Wishful thinking is not
planning. If you plan
for the worst, you will
never be unpleasantly
surprised.”
• 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, DBusiness magazine or HOUR
Detroit.
• 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.
• F ive 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) 2,762 award candidates in the Detroit area were considered for the Five Star Wealth Manager
award. 749 (approximately 28 percent of the award candidates) were named 2013 Five Star Wealth
Managers.
Wealth managers were required to certify that any information they provided was accurate.
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.
(2)
(3)
Clients don’t care how
much you know until
they know how much
you care.”
Only invest in
something that
you understand.”
What matters most is
how you recover from
setbacks.”
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 78,100 households in the Detroit 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. Contact Five Star Professional at info@fivestarprofessional.com for
additional information regarding the selection process for 2005 – 2011 award winners.
FS 2 — www.fivestarprofessional.com
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Award winners listed by primary services and listed alphabetically by last name.
Business Planning
Gregory C. Hamilton · Hamilton & Associates
Mike Amine · New England Financial/MetLife
Amy Hartmann · Gandelot & Associates
Thomas Beard · GHD, CPAs and Advisors
Stephen Jones · Beier Howlett
N.Z. Bryant, Jr. · LPL Financial
Austin Kanter · Kanter Associates
Financial Planning
Ivan Glasser · Glasser & Associates
Jay Kennedy · Warner Norcross & Judd
Sandra Adams · Center for Financial Planning
Lynda Glasser · Glasser & Associates
Robert Lubera · Wakefield Sutherland &
Lubera
Robert Altizer · Raymond James & Associates
Michael Witzke · Witzke Berry Carter &
Wander
Sara Zivian Zwickl · Zivian & Zwickl
Paul Lubienski · Paul M. Lubienski
Terry R. Altman · Global Financial Planning
Group Page 30
Robert Gross · Siegel Greenfield Hayes & Gross
J. Thomas MacFarlane · Clark Hill
David Altwerger · Morgan Stanley
Sean Mattson · Ameriprise Financial Services,
Inc.
Sanford Mall · Mall Malisow & Cooney
Jeanne Anderson · Molony Securities
Dennis Mitzel · Mitzel Law Group
Aaron Andreas · Baron Wealth Management
Diana Moak · Pugh Moak
Eric Babcock · Greystone Financial Group
Gerald Morello · Morello Law Group
Carol Balagur · Ameriprise Financial Services,
Inc.
Jeannine Gleeson · Sullivan Ward Asher &
Patton
Ann Meehan · Einstandig Kline & Meehan
Melvin Raznick · Law Offices of Melvin M.
Raznick
Shawn Scribner · MetLife
Sean O’Bryan · O’Bryan Law Firm
Albert Papa · Cambridge Consulting Group
Chris Balcerowiak · Ameriprise Financial
Services, Inc.
Dan Penning · Penning Group Advisors &
Attorneys
Joe Banaszewski · Banaszewski Financial
Services
Edgar Pugh, Jr. · Pugh Moak
Frank Banks · Morgan Stanley
Richard Schloss · Hertz Schram
Ronald Barlow · Ronald Barlow
Paul Arslanian · The Arslanian Law Firm
John Selesko · Bassey and Selesko
Joseph Bonventre · Clark Hill
W. Craig Sleeman · W. Craig Sleeman
Ryan Barrett · Raymond James Financial
Services
George Cassar · Maddin Hauser Wartell Roth
& Heller
George Smrtka · George M. Smrtka
Thomas Colarossi · Colarossi & Colarossi
Steven Solys · Legacy Private Capital
Daniel Cornwell · Cambridge Consulting
Group
David Sommerfeld · Butzel Long
Ursula Scroggs · Derderian Kann Seyferth &
Salucci
Estate Planning
P. Mark Accettura · Accettura & Hurwitz
Page 26
Jack Couzens II · Couzens Lansky
Robert Delisi · Delisi & Associates
Randall Denha · Denha & Associates
W. Patrick Dreisig · Butzel Long
Mark Feinberg · Mark L. Feinberg
Alan Ferrara · Finkel Whitefield Selik
Julius Giarmarco · Giarmarco Mullins &
Horton
Gordon Snavely · Gordon A. Snavely
Mark Stasa · Kerr Russell & Weber
Jeffrey Sternberg · Kotz Sangster Wysocki
Michael Sugameli · Sugameli & Sugameli
Kevin Bates · Cambridge Consulting Group
Roman Batschynsky · Oakwood Financial
Network
Deb Bauer · Raymond James & Associates
Thomas Baughman · Baughman Capital
Management
Timothy Bearden · Stonebridge Financial
Partners
Thomas Sweeney · Clark Hill
Andrew Bearre · Gregory J. Schwartz &
Company
Geoffrey Taylor · Maddin Hauser Wartell Roth
& Heller
Andrew Behm · Michigan Financial
Companies Page 16
David M. Thoms · Miller Canfield Paddock
and Stone
Michael Bellware · Morgan Stanley
John Thomson · Ufer & Spaniola
Christan Benard · Innovative Financial
Kevin Gilhool · Kevin M. Gilhool
Dennis Valenti · Conlin McKenney & Philbrick
Kenneth Benardino · Advance Capital
Management
Eric Glick · Thav Gross
Paul Wakefield · Wakefield Sutherland &
Lubera
Steve Berner · Morgan Stanley
Jonathan Goldberg · Bloom Asset Management
Joel Golden · Jaffe Raitt Heuer & Weiss
Thomas Wall · Wall Law Group
Patrick Hall · Law Offices of Patrick C. Hall
Matthew Wallace · Matthew M. Wallace
Marc Hallowell · Hallowell & Associates
Nancy Welber · Nancy H. Welber
Raphael Betanzos · Morgan Stanley
Page 26
Roger Betcher · Betcher Financial Group
Page 26
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Reid Beyerlein · Raymond James Financial
Services
Joseph Ciaramitaro · Raymond James &
Associates
William Bird · Merrill Lynch
Vonda Cini · Raymond James & Associates
Page 20
Kenneth Bloom · Bloom Asset Management
Susan Bommarito · Raymond James &
Associates
Linda Bonham · Advantage Tax & Financial
Services
Nicholas Bonn · Center Street Wealth Strategies
Alicia Botti · Ameriprise Financial Services,
Inc.
David Clark · Birmingham Wealth
Management/Morgan Stanley
Lynn Cluckey · Ameriprise Financial Services,
Inc.
Kenneth Coe · Integrated Capital Management
William Cole · Morgan Stanley
Mill Coleman · VALIC Financial Advisors
Laurie Bournias · Merrill Lynch
Anthony Cook · Cook Wealth Management
Daniel Boyce · The Center for Financial
Planning
Thomas G. Cooper · Ameriprise Financial
Services, Inc.
Robert Bradley · Morgan Stanley
Robert Craun · Craun Freeman Tax & Wealth
Management
Kevin Brennan · Brennan Investment Services/
ING Financial Partners
Gunther Brieger · Ameriprise Financial
Services, Inc.
Kevin Brockman · Stonebridge Financial
Partners
William Brown · Copper Beech Wealth
Management
Ralph Bryant, Jr. · Bryant & Associates/
Ameriprise Financial Services, Inc.
Douglas Buczak · Pacific Financial Group
Shawn Bumgardner · Ameriprise Financial
Services, Inc.
Debbie Burkhalter · Raymond James Financial
Services
Kevin Butler · Merrill Lynch
Brian Donohoe · Oppenheimer & Company
James Downing · Ameriprise Financial
Services, Inc. Page 30
Patrick Drouillard · Hantz Financial Services
Philip Dubinski · Ameriprise Financial
Services, Inc.
Steve DuCharme · Ameriprise Financial
Services, Inc.
Bruce Dunbar · Raymond James Financial
Services
Brendan Dunleavy · Michigan Financial
Companies Page 16
Christopher Emde · Gregory J. Schwartz &
Company
Paul Erickson · Alpha Asset Advisors
Randy Eschels · Eschels Financial Group
Joseph Creal · Cambridge Wealth Strategies
Marcella Evans · AXA Advisors
Margaret Cull · Hantz Financial Services
David Evola · Ameriprise Financial Services,
Inc.
Matthew Cunningham · Ameriprise Financial
Services, Inc.
Angela Cusmano · Dahring Cusmano and
Associates
Mary Ewasyshyn · Ameriprise Financial
Services, Inc.
Barbara Fanone · Priority Wealth Management
Floyd Dabney · Ameriprise Financial Services,
Inc.
Timothy Farris · Ameriprise Financial Services,
Inc.
Robert Dagenais · Merrill Lynch
Kevin Ferhadson · Ferhadson & Associates/
Kirk Dahring · Dahring Cusmano and
Associates
J. Joseph Fioroni · Merrill Lynch
Richard Davenport · Raymond James Financial
Services
Jason Firek · Merrill Lynch Pierce Fenner &
Smith
Mark Davis · Haas Center for Financial
Gerontology
Michael Fleischer · Morgan Stanley
Matthew C. Davis · LPL Financial
Renee S. Floer · Ameriprise Financial Services,
Inc.
Robert Carris · LPL Financial
Scott Davis · Michigan Financial Companies
Page 16
Robert Frank III · Ameriprise Financial
Bryan Carroll · Oppenheimer & Company
Michael DeLap · Securities America Advisors
Brian Franke · Integrated Capital Management
Valerija Castro · Ameriprise Financial
Chris Demetral · Raymond James Financial
Services Page 30
Jeffrey Fratarcangeli · Merrill Lynch
James Cattaneo · Cattaneo Wealth
Management Group
Kenneth Demps · Morgan Stanley
Paul Carnahan · Celtic Wealth Management
Group
Raymond Celaya · Plante Moran Financial
Advisors
Robert Dennis · Morgan Stanley
Page 14
Page 14
Michael DeTone · VALIC Financial Advisors
Daniel Cesta · Pinnacle Wealth Management
Group
Elizabeth Deutch · Ameriprise Financial
Services, Inc.
John Childers · Raymond James & Associates
Daniel Dickhudt · Thrivent Financial for
Lutherans Page 27
Matthew Chope · Center for Financial Planning
Alexander Dinser · ING Financial Partners
Bruce French · Morgan Stanley
Page 31
Leif Fry · Morgan Stanley
Charles Gabel · Gabel Financial Services
Thomas Gackle · Lowell Wealth Management
Dan Gardner · Michigan Financial Companies
Tina Gelmisi · Hantz Financial Services
Kristie Gheysens · Detroit Financial Group
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Joseph Gibson · Ameriprise Financial Services,
Inc.
Todd Hoover · Hoover Irla & Associates
Bill Kumm · Financial Independence
Joe Giordano · LPL Financial
Nicholas Hopwood · Park Avenue Wealth
Management
Raeann Kusch · Thrivent Financial for
Lutherans
Sherry Gira · Ameriprise Financial Services,
Inc.
Roger Houston · Roger Houston, CFP and
Associates
Anthony LaJeunesse · TL Financial Group
Jill Gleba · Gleba & Associates
Justin Hulett · AQuest Wealth Strategies
Page 31
John Goff · Retirement Income Solutions
Traver Goodrich · Ameriprise Financial
Services, Inc.
Kenneth Huner · Thrivent Financial for
Lutherans
Sam Huszczo · Michigan Securities
Nicole Gopoian · CIG Corporation
Henry Ilyasov · Ameriprise Financial Services,
Inc.
Kenneth Grace · Financial Architects
Gary Lannen · Copper Beech Wealth
Management
Patrick Lapensee · LPL Financial
Alex Lebron · LPL Financial
David Lentz · Northern Financial Advisors
Paul Leonard · Ameriprise Financial Services,
Inc.
Marty Grattan · Lifetime Planning
Mark Ivezaj · Ameriprise Financial Services,
Inc.
David Gravelyn · Hantz Financial Services
Jeffrey Ivory · JWI & Associates
Christopher Letts · Morgan Stanley
Richard Gregor · Creative Financial Group
Page 31
Christopher Jaggi · Ameriprise Financial
Services, Inc.
Jeffrey Lichty · Cambridge Investment
Research Advisors
James Griffith · Ameriprise Financial
Sid Jamil · Charles Schwab & Company
Jeffrey Lido · Advance Capital Management
Michael Fisher Jennings · Cambridge
Consulting Group
Philip Liner · Priority Wealth Management
Michael Jernukian · Merrill Lynch Pierce
Fenner & Smith
Lisa London · Merrill Lynch
Steven T. Guglielmetti · Guglielmetti Asset
Management
Dicran Haidostian · Future Benefits
Corporation
Julie Hall · Center for Financial Planning
Jason Jodway · VALIC
John Lesser · Plante Moran Financial Advisors
Carol Litka · Morgan Stanley
Cathleen Lorenz · GHD Wealth Management
Paul Johnson · Morgan Stanley
Steve Lovelace · LJH Financial Group/AXA
Advisors
Vera Johnson · LPL Financial
Scott Lundberg · Lincoln Financial Advisors
Elizabeth Kaniarz · Thrivent Financial
Scott Luther · Lexington Financial
Linda Kay · Ameriprise Financial Services, Inc.
Dan Keller · Raymond James & Associates
Donald Lux · Simplified Financial Wealth
Management & Advisory Services
Tommi Harris · Verde Capital Management
Michael Kern, Jr. · Kern & Company Advisory
Richard Maas · Genesis Financial Partners
Kenneth Hart · Lincoln Financial Advisors/
Sagemark Consulting
Charles Kessler · Kessler & Associates
Shawn MacDonell · Hantz Financial Services
Kevin Kilgren · Ameriprise Financial
Duncan MacEachern · Celtic Wealth
Management Group
Gary King · Ameriprise Financial Services, Inc.
Anne MacIntyre · Annie Mac Financial
Michael Klassa · Klassa & Associates Financial/
Gerald Malone · Advance Capital Management
Robert Kleber · Advance Capital Management
Scott Hammond · Morgan Stanley
Shaun Hampton · Hantz Financial Services
Craig Harris · Merrill Lynch
Felicia Harris · Ameriprise Financial Services,
Inc.
Lee Hart · Hart & Associates/Ameriprise
Financial Services, Inc.
Dawn Hausch-Cooper · Ameriprise
Financial Services, Inc. Page 31
Russell Henry · Financial Planning Partners/
Raymond James
Patrick Maly · Morgan Stanley
Page 32
Timothy Herbert · Timothy Herbert Financial
Group
Charles Kleinbrook · Kleinbrook Financial
Gurveer Mann · Michigan Financial
Companies Page 16
Denise Kochanski · Merrill Lynch
Michael Marcotte · JJB Hilliard & WL Lyons
Judi Hernandez · Cedar Brook Financial
Partners
Michael P. Kopko · Legacy Consultants Wealth
Management/LPL Financial
Timothy J. Martin · Planned Financial Services
Robert Hicks · Planning Alternatives
Ralph Koss · Raymond James
Maria Hill · Northern Financial Advisors
Thomas May · VALIC Financial Advisors
Andrea Kotch-Duda · Raymond James
John Hinnegan · Secure Retirement Solutions
Jonathan Kring · Ameriprise Financial Services,
Inc.
Mitchell McCann · McCann Retirement
Strategies
Renee Hof-Lacey · Morgan Stanley
Page 27
Robert Krut · Morgan Stanley
James Mathias · Focus Financial Group
Todd McClain · Plante Moran Financial
Advisors
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Stuart McCormick · Raymond James &
Associates
J. Thaddeus McGaffey · Ameriprise Financial
Services, Inc.
John McGonagle · EPI Advisors
Earl McHugh · Detroit Financial Group
Page 32
Sara Mehraban · Ameriprise Financial
Kimberly Melletat · Raymond James &
Associates
Nathan Mersereau · Planning Alternatives
Bradley Mikolajczyk · Merrill Lynch Global
Wealth Management
Christopher Millio · Ameriprise Financial
Services, Inc.
Mehul Mistry · Secure Planning Strategies
Paul Moceri · Merrill Lynch
Bassem Moez · LPL Financial
Christopher Mollan · LPL Financial
David Mooradian · Morgan Stanley
Dennis Mooradian · Morgan Stanley
James Moran · Oppenheimer & Company
Sean Moran · Morgan Stanley
Page 28
Larry Moss · Raymond James & Associates
Teresa Mulawa · Morgan Stanley
Daniel Mulder · Ameriprise Financial Services,
Inc.
John Mullins · Greystone Financial Group
Keith Murphy · LPL Financial
William Murray · Backus & Murray/
Don Nadeau · Raymond James & Associates
Patrick O’Neill · Morgan Stanley
Sam Orlando · Raymond James Financial
Services
Gus Panos · Merrill Lynch
Norman Pappas · Pappas Financial
James Parker · Ameriprise Financial Services,
Inc.
Bruce Parmenter, Jr. · Ameriprise Financial
Services, Inc.
Karen Rivest · John Hancock Financial
Network/Michigan Financial Companies
Page 16
Paul Robak · Walters Financial Group
John Robbins · JFR Financial Services
Mark Rogers · Morgan Stanley
Adam Rosier · Ameriprise Financial Services,
Inc.
Erin Ross · Ameriprise Financial Services, Inc.
Frank Patrick · Ameriprise Financial Services,
Inc.
Jack Rothenberg · America Group Retirement
Strategy Centers
Michelle Pawl-Gierak · ProEquities
Timothy Rush · Raymond James Financial
Andrew Perri · Pinnacle Wealth
Management Group Page 23
Jon Russell · Merrill Lynch
John Peters · Raymond James & Associates
Page 24
Joseph Ruzycki · Center for Wealth Planning
Jordin Ryan · Hantz Financial Services
Robert Petersmark · Petersmark Financial
Network Page 33
Joseph Sabelhaus · Legacy Wealth Management
Group
Alice Pfahlert · Ameriprise Financial Services,
Inc.
Rebecca Salama · Raine & Salama/Ameriprise
Financial Services, Inc.
Wayne Phillips · Ameriprise Financial
Michael Sanfield · Merrill Lynch
Kathy Piotrowski · Ameriprise Financial
Services, Inc.
Joseph Saverino · Raymond James
Michael Pohlod · Ameriprise Financial
Services, Inc.
Nicholas Sarnacki · CIG Corporation
Gregory “HG” Schink · Merrill Lynch
Colleen Schon · Raymond James
Jacki Popadich · Hantz Financial Services
Sandra Scolari · Strategic Wealth Horizons
Michael Popadich · Hantz Financial Services
Nathan Sealey · Brass Ring Wealth
Management Page 13
Carol Pope · Morgan Stanley
Robert Potter · Giles Potter and Associates/
Eric Seger · Integrated Capital Management
David Senatore · Morgan Stanley
Marc Powers · Raymond James Financial
Services
Margie Shard · Shard Financial Services
Page 29
Mary Prebish · Lincoln Financial Advisors
Michael Shearon · Flynn Benefits Group
Page 25
Peter Nagy · Merrill Lynch
John Priestap · Raymond James Financial
Services
Michele Nehls · Extra Credit Union
Page 32
Phillip Putney · AFS Wealth Mangement
Page 28
Jason Sherman · Financial Advisory at The
PrivateBank
Charles Nemes · Raymond James & Associates
Robert Rahaim · DeSeranno Wealth Planning
Peter Shunyia · Merrill Lynch
Craig Nikischer · VALIC Financial Advisors
Heidi Raine · Ameriprise Financial Services,
Inc.
Connie Simpson · Merrill Lynch Pierce Fenner
& Smith
Robin Reading · Americas IRA Center
Neeta Singh · Ameriprise Financial Services,
Inc.
Natalie Norman · Raymond James Financial
Services
Raymond Ogden · National Life Group
Edward Oldani · Michigan Financial
Companies Page 16
Deanna Olsen · Planned Financial Services
Timothy Reaume · Reaume Wealth
Management
Laurie Renchik · Center for Financial Planning
Michael Sherer · Morgan Stanley
Amy Smith · Smith & Associates/Ameriprise
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Dane Smith · Michigan Financial
Companies Page 16
Daniel Welch · WWK Advisors
Joshua Barron · JMB Financial Services Group
Robert Whitcomb · LPL Financial
James E. Bashaw · JLB & Associates
Jodi Whitmore · Morgan Stanley
John Basista · Morgan Stanley
Joseph Wietecha III · Lexington Financial
Andrew Bass · Telemus Capital
Justin Williamson · Center for Wealth
Management/MetLife
Matthew Battenberg · Wells Fargo Advisors,
LLC
Eric Wolf · VALIC
Michael Bauman · MB Financial Group
Timothy Wyman · Center for Financial
Planning
David Beaton · Ameriprise Financial Services,
Inc.
Troy Wyman · Center for Financial Planning
John Benedict · J2 Capital Management
Mark Suszan · Raymond James Financial
Derek Zachariah · Ameriprise Financial
Services, Inc.
Rakesh Bharti · Ameriprise Financial Services,
Inc.
Martin Swiecki · CIG Corporation
Doug Zack · Merrill Lynch
Michael Bisaro · StraightLine
Anthony Sword · Ameriprise Financial
Services, Inc.
Beth Zilka · Baron Wealth Management
Bradly Blausey · Morgan Stanley
Eric Zimmerman · Ameriprise Financial
Services, Inc.
Steven Bliss · Ameriprise Financial Services,
Inc.
David Zukowski · Morgan Stanley
Michael Block · Morgan Stanley
Mark Thistlethwaite · Morgan Stanley
Insurance
Richard Bloom · Bloom Asset Management
Robert Thompson · Charles Schwab &
Company
David Guenther · AXA Equitable
Timothy Smith · Morgan Stanley
Tom Smith · Smith & Associates/Ameriprise
Mark Stanko · Thrivent Financial
Jonathan Stanley · Merrill Lynch
James Stefanski · Stefanski Wealth
Management Page 33
Robert Steinberg · Blue Chip Partners
Jeffrey Stinedurf · Financial Directions
Roland Szukhent · Ameriprise Financial
Services, Inc.
Brian Teichman · America Group
Jack Bletstein · Detroit Financial Group
Robert Tomaszewski · Raymond James
Financial Services
Don Hudgens · Thrivent Financial for
Lutherans
Andrew Tomlinson · ACT Financial Services
Martin Kelln · MetLife Securities
Scott Torosian · Centaurus Financial
Stuart Raider · Raider-Dennis Agency
Richard Torrenti · Morgan Stanley
Charles Rutan · St. Clair Investment Advisors
Daniel Totonchi · Merrill Lynch
Investments
John Turcotte · Heritage Private Wealth
Bradley Turnwald · Hantz Financial Services
Fran Twiddy · Raymond James Financial
Services
Thomas Valade · Ameriprise Financial
Services, Inc.
Jason Van Duyn · AQuest Wealth Strategies
Pete Vannice · Ameriprise Financial Services,
Inc.
Anida Venniro · LPL Financial
Salvatore Ventimiglia · Great Lakes Wealth
Planning
Craig Vrooman · Vrooman & Associates
Adam Walsh · Michigan Financial Companies
Dennis C. Walters · Walters Financial Group
Richard Weinerman · Sagemark Consulting
David Boike · Retirement Resources
James Bond · Wells Fargo Advisors, LLC
Adam Bornstein · Merrill Lynch
Brad Bosart · The Bosart Investment
Counsulting Group/Wells Fargo Advisors,
LLC
Craig Braun · Ameriprise Financial
David Bray · Edward Jones
Anthony Agosta · Wells Fargo Advisors,
LLC Page 11
Arnold Alson · Merrill Lynch
David Aquilina · Wells Fargo Advisors, LLC
Page 30
Dmitry Arshansky · LPL Financial
Frank Arvai · Mutual Fund Management
Company
Steven Briggs · Merrill Lynch/Bank of America
Joel Brown · Financial Advisory Associates
Page 30
Terry Brown · Wells Fargo Advisors, LLC
Page 26
Leonard Brunkey · Keystone Financial Services
Matthew Bucher · Merrill Lynch/Bank of
America
Taal Ashmann · Morgan Stanley
Joseph Budd · Budd Melone & Company
Page 23
Edgar Atnip · Oppenheimer & Company
Ted Bugenski · William Mack & Associates
Gary Austin · Oppenheimer & Company
Brian Bunge · Ameriprise Financial Services,
Inc.
Judith Yahr Bailey · Merrill Lynch Pierce
Fenner & Smith
Donald Baker · Baker Group
Page 20
Bruce Ballard · Morgan Stanley
Page 12
William Burke · Morgan Stanley
Mark Burns · Burns Investment Group/Wells
Fargo Advisors, LLC
Mark Baniszewski · Oppenheimer & Company
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Steven Case · Financial Independence
Page 30
Catherine A. Casteel · Ameriprise Financial
Services, Inc.
Ronald Evans · Walker Financial Services
Stephen Falzone · Raymond James & Associates
Allen Ferguson · Morgan Stanley
Michael Hagenian · Charter One Investment
Services
Robert Hamilton · Morgan Stanley
Joseph Hamo · Wells Fargo Advisors, LLC
Dante Cerroni · Merrill Lynch Wealth
Management
Lawrence Fisher · LPL Financial
Karen Chapell · Retirement Income Solutions
John Fleming · Lincoln Financial Advisors
Joseph Ciesinski · The America Group RSC
Richard Clark · Fentura Financial Partners
Jeffrey Forche · Wells Fargo Advisors, LLC
Page 30
Arthur Cole · Executive Financial Services
Mark Foster · Wells Fargo Advisors, LLC
Daniel Heppler · Edward Jones
David Collon · Seizert Capital Partners
Dana Frellick · Morgan Stanley
Stephen Cooper · Wells Fargo Advisors, LLC
Scott Frush · Frush Financial Group
Gregory Ellis Hill · Wells Fargo Advisors,
LLC Page 22
Mark Corombos · Plante Moran Financial
Advisors
David Fulkerson · Fulkerson Capital
Management Page 31
John Cozzi · Merrill Lynch
Jeffrey Furest · First Financial Services of
Michigan/Your Financial Coach
Daniel Hollander · Hollander & Lone Wealth
Management
David Gallina · Wells Fargo Advisors Financial
Network, LLC
Jeffrey Hollifield · MetLife
Frederick Cross · Ameriprise Financial
Services, Inc.
James Cummins · Raymond James
Robert Cunningham · Morgan Stanley
Dana Czmer · Morgan Stanley
Ziad Dallo · TD Ameritrade
Quint Dalrymple · Ameriprise Financial
Services, Inc.
Brock Hastie · Retirement Income Solutions
Jeffrey Fitzgerald · Morgan Stanley
Page 31
Duane Garth · Garth Financial Group
Kenneth Gass · Wunderlich Securities
Glen Gheesling · Morgan Stanley
Gregory Gilbert · Ameriprise Financial
Services, Inc.
K. Larry Hastie · Retirement Income Solutions
Scott Hazelton · Edward Jones
Charles Helppie · Echelon Wealth Management
Gregory Hinkson · Hinkson Financial Services
Michael Hohf · Advance Capital Management
Jeffrey Hoppie · Morgan Stanley
Jennifer Hopwood · Raymond James Financial
Services
Raleigh Horne · Raymond James Financial
Services
Eric Hornyak · Concorde Investment Services
Herbie Glass · Glass Retirement Strategies
Andrew Howard · Morgan Stanley
Dana Darnell · Wells Fargo Advisors, LLC
Mary Glidden · Ameriprise Financial Services,
Inc.
Samuel Impastato · Merrill Lynch
John Daugherty · Wells Fargo Advisors, LLC
Jay Godfrey · Robert W. Baird & Company
Robert David · Morgan Stanley
Erik Gotaas · LOC Financial Services
Robert Declercq · Morgan Stanley
Richard Granger · Morgan Stanley
Mark Jankauskas · Ameriprise Financial
Services, Inc.
Donna DeGennaro · DeGennaro Financial
Jeffrey Grant · Wells Fargo Advisors, LLC
George Johnson · Cetera Financial
Daniel DeLano · Edward Jones
Marc Greenlee · Ameriprise Financial Services,
Inc.
Annette Johnston · Ameriprise Financial
Services, Inc.
Donald Gregg · Retirement Funding
Advisors Page 27
David Kenny · Oppenheimer & Company
Nicholas Daniel · Daniel Investment Group
Paul Demark · Morgan Stanley
Michael DeMeyere · Summit Wealth Strategies
Group
Page 28
James Jablonski · Jablonski Financial Services
Patrick Jakeway · Northern Trust Company
Steven Grimes · Navigators
H. Todd Kephart · Retirement Income
Solutions
Thomas Grobbel · Morgan Stanley
Jay Keranen · Morgan Stanley
Marilyn Dimitroff · Capelli Financial Services
Robert Groves · Wells Fargo Advisors, LLC
Page 31
Brian Kerber · Merrill Lynch
Mark Dixon · Plante Moran Financial Advisors
Patrick Guentner · Worldwide Capital Advisors
Michael King · Ameriprise Financial Services,
Inc.
Kenneth D’Orazio · Oppenheimer & Company
James Guest · Wells Fargo Advisors, LLC
James Knaus · Global Wealth Advisors
James Dziadziola, Sr. · Oppenheimer &
Company
Walid Habboo · Wells Fargo Advisors, LLC
Michael Kneale · Morgan Stanley
Gary Haberkorn · Oppenheimer & Company
Joseph C. Koch · Wunderlich Securities
Glen Hackman · Morgan Stanley
William Konchal · Raymond James &
Associates
Roger Denha · BKS Advisors
Steven Desmet · Raymond James
Ronald Eppler · Wells Fargo Advisors, LLC
Page 21
Page 15
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Thomas Konopka · Morgan Stanley
Page 22
Louis Melone · Budd Melone & Company
Page 23
Michael Kovie · Morgan Stanley
Paul Messiter · Stancorp Investment Advisers
Page 31
Michael O’Toole · Merrill Lynch
William Owens · Raymond James & Associates
Nicholas Kozak · Merrill Lynch
Brian Meulebrouck · Merrill Lynch
Bruce Palen · Ameriprise Financial Services,
Inc.
Kevin Kral · Kral Financial Advisors
Carl Meyers · Raymond James & Associates
Lisa Pallach · Morgan Stanley
Donald Krempa · Morgan Stanley
Clifford Migdal · Morgan Stanley
Robert Parks · Morgan Stanley
Michael Krencicki · Global Wealth Advisors
Dan Mihaescu · Ameriprise Financial Services,
Inc.
Michael Passmore · Edward Jones
David Kudla · Mainstay Capital Management
John Kulhavi · Merrill Lynch
Gregory Miller · Oppenheimer & Company
Benjamin Kusner · Morgan Stanley
Glen Milligan · Ameriprise Financial Services,
Inc.
Linda La Prad · Raymond James Financial
Services
Mark Minder · Minder Planning Group
Leon LaBrecque · LJPR
Thomas Laethem · Raymond James &
Associates
John Mitchell · Oppenheimer & Company
Kenneth Mittelbrun · Morgan Stanley
Joseph Mizzi · Merrill Lynch
Joseph Moceri · Merrill Lynch
Michael Leshkevich · Merrill Lynch/Bank of
America
Jeremy Modell · Clarkston Capital Partners
Cleaton Lindsey · Scripter and Associates
Page 32
Franklin Moore · Vintage Financial Services
Peg Moore · Wells Fargo Advisors, LLC
Luke Moran · Merrill Lynch
David Long · Wells Fargo Advisors, LLC
Page 22
Timothy Moran · Moran & Company
Investment Consulting Group Page 17
Joseph Longo · Financial Solutions of Michigan
Loren Morrison · LPL Financial
Michael Lopus · Plante Moran Financial
Advisors
Robert Morrow · Morgan Stanley
John Low · Merrill Lynch
Charles Moyer · Hilliard Lyons
Scott Lowery · Raymond James Financial
Services
Michael Muchortow · Muchortow & Associates
Todd Moss · Greystone Financial Group
Jay Murray · Brehm & Murray Practice/
Sandra Lutkenhoff · Morgan Stanley
Page 32
Christopher Nash · Oppenheimer & Company
James Maendel · Maendel Wealth Management
Patrick Malzone · Morgan Stanley
Michael McCauley · Community Choice
Investment Services
R. Griffith McDonald · Retirement Income
Solutions
Rory McKendrick · Morgan Stanley
Page 15
Nancy Meconi · Plante Moran Financial
Advisors
Jody Medford · LineGuard Investments
Richard Nauer · Morgan Stanley
James Perri · Fairlane Investment Advisors
John Perryman III · Merrill Lynch
David Petoskey · Wealth Management Services
Violeta Petrovski · Wells Fargo Advisors, LLC
Ryan Plovie · Merrill Lynch
Francis Plummer · Plummer Wealth Strategies
Randall Potter · Randall S. Potter
Scott Prechtel · Creative Financial Group
Richard Probst · Fountainhead Financial
Management
Alexander Rasky · M3 Investment Services
Susan Reck · Merrill Lynch
Matthew Ludlow · Merrill Lynch
William Mack · William Mack & Associates
James Periord · Ameriprise Financial Services,
Inc.
Tom Pilch · LPL Financial
Susan Lahay · Oppenheimer & Company
Gerald Levan · Morgan Stanley
Dan Paulson · Robert W. Baird & Company
Page 32
Bryan Regner · Edward Jones
Martin Reid · LPL Financial
Page 33
Jack K. Riashi, Jr. · Bloom Asset Management
David Roberge · Merrill Lynch
Barbara Robins · Consolidated Financial
Corporation Page 33
John Ross · Oppenheimer & Company
Steve Nazoyan · AXA Advisors
Mark Rowley · Wells Fargo Advisors, LLC
Page 28
George Nihem · Wells Fargo Advisors, LLC
Keith Rowling · Morgan Stanley
Stephen F. Nofs · Merrill Lynch
David Runyon · Morgan Stanley
Nicole Norris · Merrill Lynch
Michael Sarcheck · First Financial Services of
Michigan
Chad Nyitray · MainStreet Financial Services
Charles O’Connor, Jr. · O’Connor Financial
Group Page 32
Victoria Sarda · Merrill Lynch
Corey Schepper · Bloomfield Hills Financial
Mark O’Donnell · Merrill Lynch
Steven Schlafer · Morgan Stanley
Paul O’Keefe · Merrill Lynch
Shelley Schudlich · Oppenheimer &
Company Page 24
Karla Olson-Bellfi · Wells Fargo Advisors, LLC
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David Sculati · Lone Pine Wealth Management
Stephen Tyranski · Morgan Stanley
Kay Harris · Kay Harris, CPA
Daniel Seder · Blue Chip Partners
Peter Uher · Sage Hill Capital
John Herrinton · Berry Moorman
Kevin Shannon · Morgan Stanley
Peter Ulbrich · Oppenheimer & Company
Phillip Hough · Wagner & Hough
Joel Shayne · Morgan Stanley
Lance Vainik · Raymond James Financial
Services
Jay Kalisky · Robinson Pietras Kalisky &
Company
Troy Vandenbosch · Wells Fargo Advisors, LLC
Marc Kippelman · Kushner Kippelman & Taub,
CPA
Kevin Sheard · Tactical Allocation Group
Carol Siegel · Wells Fargo Advisors, LLC
Craig Simmons · BKS Advisors
Neil Singal · Singal & Associates/Merrill Lynch
Giovanni Volpe · Wells Fargo Advisors, LLC
Page 33
John P. Koppin · Purdy Donovan & Beal
Jay Smith · Raymond James Financial
Chris Walker · Investment Counsel
Page 29
Gary Kushner · Kushner Kippelman & Taub,
CPA
David Smolarek · Center for Wealth Planning
William Walsh · Northstar Financial Partners
John Lansat · John Lansat, CPA
Bradley Sova · DFCU Financial
Brian Weisman · Columbia Asset Management
Gordon Leff · LBF Group
James Speir · Speir Financial Services
Page 33
Michael Welch · Robert W. Baird &
Company Page 25
Michael Locricchio · Metzler Locricchio Serra
& Company
Melissa Spickler · Merrill Lynch
Mark Whitfield · Edward Jones
Jonathan Meeker · Hantz Tax & Business
Douglas Spurlock · Robert W. Baird &
Company
Matthew Whitty · Gregory J. Schwartz &
Company
Lawrence Millman · Grant Millman & Johnson
Jeffrey Stander · Morgan Stanley
Scott Whyte · Bloom Asset Management
Barry Petersen · Ivers Rickelmann & Petersen,
CPAs
Gregory Steen · Ameriprise Financial Services,
Inc.
Catherine Wilkinson · Edward Jones
Tim Petik · Stefforia Petik & Associates
Jeffrey Williams · Merrill Lynch
Robert Steingold · Merrill Lynch Wealth
Management
James Wirth · Raymond James & Associates
Ramie E. Phillips, Jr. · Ramie E. Phillips, Jr.,
CPA
Kevin Stemberger · Noble Capital Partners
Ronald Stempin · Merrill Lynch
Norton Stern · Burns Investment Group/Wells
Fargo Advisors, LLC
John Steves · Ameriprise Financial Services,
Inc.
Scott Strickland · Morgan Stanley
James Studinger · NFP Securities
Mark Sutherland · Ameriprise Financial
Services, Inc.
Page 15
Colleen Theuerkauf · Stroko MacWilliamsWolf Wealth Management Team/Raymond
James
Bill Turner · D.B. French
Page 29
Jeffrey Tutor · Merrill Lynch
Andrew Zale · LPL Financial
Paul Portrey · Paul J. Portrey, CPA
Stevan Raicevich · Raicevich & Bulgarelli
Daryl Rollins · Rosenbaum Rollins & Olah
Stephen Zink · Hilliard Lyons
Brenda Smith · Brenda W. Smith & Company,
CPAs/Ameriprise Financial Services, Inc.
Taxation
Steven Sovinsky · Sovinsky & Company
Margaret Amsden · Clayton & McKervey
Robert Swanson · Robert William Swanson,
CPA
William Bacarella · Meyer Bacarella &
Associates
Joseph A. Suski · BestVest Investments
Agostino Tiseo · Edward Jones
Troy Yaldoo · Wells Fargo Advisors, LLC
Laura A. Arens · Derderian Kann Seyferth &
Salucci
Jamie Stuart · Morgan Stanley
Mitchell Swayze · Morgan Stanley
Doug Wood · Wells Fargo Advisors, LLC
Barbara Bierbusse · Barbara B. Bierbusse, CPA
Sidney Blackman · Rice & Blackman, CPAs
Peter Boyse · Richard J. Boyse, CPA
Raymond H. Cooper, Jr. · Bredernitz Wagner
& Company
Alan Gorski · Walter S. Gorski & Company
Shirley Toy · Korb Toy & Associates, CPAs
Page 33
Kathy Underhill · Rehmann
Paul Walter · Walter Boesky & Associates
Page 33
Warren Widmayer · Ferguson & Widmayer
Steven Woronoff · Woronoff Hyman Levenson
& Sweet
Dean B. Yost · CSD Advisors
Leonard Grey · Leonard A. Grey, CPA
Trust Services
John Gurin · Gurin & Gurin
Marilyn Maher · Chaness & Maher, CPAs
Craig Hale · Stewart Management Group
Joseph M. McGlynn · Strobl & Sharp
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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Anthony Agosta
Managing Relationships With Wisdom, Integrity and Trust
Retirement Income
Planning Inclusive of
Transition Management,
Estate Preservation,
Portfolio Management and
Tax Minimization
Left to right: Jeffery Adams, CRPC®, Financial Consultant; four-year winner Anthony Agosta, CFP®, CRPC®,
First Vice President – Investments; Samara Batres, Senior Client Associate
• Regular face-to-face meetings with our clients is our foundation
• Unbiased advice is delivered with accuracy and integrity
• Our approach to portfolio design assists in helping our clients avoid financial mistakes
Our passion lies in helping our clients succeed and making
their lives easier. It is critical that we listen to our clients and ask
the right questions. This enables us to apply the appropriate
recommendations. Committed to being objective and
independent, we avoid conflicts of interest, and our clients
always come first. Our goal is to provide a superior client
experience, one that extends value and trust, and defines
professionalism and sensitivity, which leads to confidence.
Open, informative and face-to-face communication is the
cornerstone of our practice. Founded in 1987, The Agosta
Group of Wells Fargo Advisors’ goal is to build lifelong
relationships with our clients, utilizing the highest standards in
quality, trust and integrity.
2401 West Big Beaver Road • Troy, MI 48084
Office: (248) 273-4320 • Toll-free: (888) 641-1242
anthony.agosta@wfadvisors.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 0413-02113].
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Bruce K. Ballard
Areas of Focus: Investment
Management and Portfolio
Strategies
Four-year winner Bruce K. Ballard, CFP®, Senior Vice President, Financial Advisor, Senior Institutional Consultant
• Customized portfolio strategies
• Regular investment review process
• 30 years with the same top-level firm
When it comes to financial planning, one size does not fit If you are considering a second opinion on your portfolio or
all. Your investment portfolio and wealth-building strategies investment strategy and have assets of more than $2 million,
should be as individual as you are.
please phone (800) 285-2214 at your convenience to schedule
Investors often analyze the costs and benefits of their a confidential, no-obligation appointment.
cellphone, Internet and cable plans more often than their asset
allocations, investment fees and portfolio returns.
40701 Woodward Avenue, Suite 200 • Bloomfield Hills, MI 48304
Office: (248) 723-1840 • Toll-free: (800) 285-2214
bruce.k.ballard@morganstanley.com • www.morganstanleyfa.com/ballard
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you.
Please visit us at www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
© 2013 Morgan Stanley Smith Barney LLC. Member SIPC.
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Brass Ring Wealth Management
“An Investment Is Not a Plan”
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Left to right: Tim Good, two-year winner Nathan Sealey, CFP®, ChFC®, CLU®, CASL; Michael Moleski; Mark Urbonas
For More Than 14 Years,
Our Specialty Has
Been Income Tax and
Retirement Distribution
Planning.
After All, It’s Not What You
Earn, but What You Keep.
• Independent fiduciary advice
• Vast products and services
• Attorney and CPA referred
Brass Ring Wealth Management is a family-owned and
operated corporation based in Clarkston, Michigan.
BRWM was founded in an effort to be different from the
traditional firms, brokers and insurance agents you may
have known.
Our focus on taxes and matching the purpose of your money
sets us apart, contact us to find out what our clients already
know.
7300 Dixie Highway, Suite 800 • Clarkston, MI 48346
Toll-free: (855) BRASSRW • Local: (248) 913-2321
info@brassringwealth • www.brassringwealth.com
Securities and Investment Advisory Services offered through NEXT Financial Group, Inc. Member FINRA/SIPC. A registered broker dealer and investment adviser registered with the U.S. Securities and Exchange Commission. Brass Ring Wealth
Management is not affiliated with NEXT Financial Group Inc. Products and or riders may not be available in all states and markets. Features and benefits may also vary by state or market. Check with your registered representative for state
availability and limitations. The return of principal value of a portfolio will fluctuate and when reduced, may be worth less that the original cost. Working with a Five Star Wealth Manager is not indicative of the wealth manager’s future
performance. 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 any other entity.
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The Knowledge, Experience and Integrity to Build and Maintain Trusted Relationships
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The Demps Group at Morgan Stanley
Comprehensive Financial
Planning, Retirement
Planning, Investment
Management, Income
Distribution Planning
Left to right: Back row: Sheetal Patel, Registered Client Service Associate; Justin Riley, Financial Advisor;
Lawrence Nalepa, Registered Client Service Associate; Jill Liley, Senior Client Service Associate
Front row: 2012 and 2013 winners Kenneth Demps, Senior Vice President, Financial Advisor, Investment Management
Consultant; and Bob Dennis, CFP®, Financial Advisor
• We carefully listen to understand all of our clients’ dreams and goals
• We use the world-class resources of Morgan Stanley to analyze your unique situation
• We utilize decades of experience to construct comprehensive solutions
Five Star award winners Kenneth Demps and Bob Dennis,
along with the entire Demps Group, take great pride in our
commitment to help you achieve financial success. This
begins with Ken and Bob learning what is important to you
by listening to your unique circumstances. Then we analyze
your specific situation, preferences and goals to formulate a
comprehensive strategy. Whether your issues are tax-efficient
investing, preparing for retirement, wisely managing your
retirement, legacy planning or funding for a college education,
our team pays attention to all the details important to your
family. Our clients have come to know that we continuously
listen, which enables us to monitor their situation and make
appropriate and disciplined recommendations as both their
lives and the world evolves.
We would like to thank our clients, whom we are fortunate
to serve, for helping us to be included in this distinguished
group of wealth managers. We are grateful for the trust you
have placed in our team since 1984. It is our commitment to
helping you achieve your goals that allowed us to receive
this recognition.
1108 North Main Street • Rochester, MI 48307
Phone: (877) 398-5926 • Fax: (248) 218-8301
www.morganstanleyfa.com/thedempsgroup
© 2013 Morgan Stanley Smith Barney LLC. Member SIPC. Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice. Individuals are urged to consult their tax
advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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The KSG Group at Morgan Stanley
Knowledge • Strategies • Guidance
Left to right: Standing: Christopher Kneale, Financial Advisor Associate; four-year winner Michael Kneale, CPM®, Senior Vice
President, Wealth Advisor, Portfolio Manager; Gary Sienkiewicz, Registered Marketing Associate;
four-year winner Mitchell Swayze, CFP®, Senior Vice President, Wealth Advisor
Seated: Stacie Sevel, Senior Registered Client Service Associate; 2013 winner Rory McKendrick, Financial Advisor; and
Aileen D’Agostino, Senior Registered Client Service Associate
• Financial, estate, trust and insurance planning
• Retirement planning and retirement plan creation
• Investment, portfolio management and investment advisory services
The KSG Group, with four-year winners Michael Kneale and
Mitch Swayze, and 2013 winner Rory McKendrick, brings
an experienced, team-based approach to help address the
investment and financial planning needs of families and
business owners.
Our goal is to provide the tools and avenues to help achieve
desired goals. The KSG Group is well equipped to assist you in
meeting your financial pursuits and are extremely grateful to
be part of such a rewarding profession.
220 Park Street, Suite 220 • Birmingham, MI 48009
Phone: (248) 258-1750 • Fax: (248) 282-7162
mike.kneale@ms.com • mitchell.swayze@ms.com • www.morganstanleyfa.com/theksggroup
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Michigan Financial Team
Relationships Built on Trust, Not Transactions
Left to right: Back row: Three-year winners Dane Smith, CLU®, ChFC®, Executive Director of Financial Planning;
Lawrence J. Stack, CLU®, ChFC®, MSFS, Vice President of Financial Planning; and Gurveer Mann, Investment Advisor
Representative; four-year winner Brendan G. Dunleavy, CPA®, Executive Director;
2013 winner Scott Davis, CFP®, CLU®, ChFC, Executive Director of Financial Planning
Front row: 2013 winner Andrew Behm, Investment Advisor Representative; three-year winner Karen Rivest, Registered
Representative; 2013 winner Edward F. Oldani, Registered Representative
• Customized portfolio design with a personal approach to investment and retirement strategies
• Dedicated to the service, support and success of our clients
• Asset protection and risk management planning services
Wealth management is more than just investments. These
Five Star Wealth Managers provide true, comprehensive
wealth management services to individuals, executives and
small-business owners that help them to meet their financial
objectives. The Five Star Wealth Managers at Michigan Financial
Companies develop highly customized investment strategies
for each of their clients based on their investment goals, risk
tolerance and time horizon. These strategies help provide
“peace of mind” about retirement income and the most
effective methods to transfer family assets.
28411 Northwestern Highway, Suite 1300 • Southfield, MI 48034
Office: (248) 663-4700 • Fax: (248) 827-7378
www.michiganfinancial.com
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
in the future. 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, HOUR Detroit
or DBusiness magazine. Registered Representative/Securities and Investment Advisory Services offered through Signator Investors, Inc., Member FINRA, SIPC, a Registered Investment Advisor.
Michigan Financial Companies is an independent firm affiliated with John Hancock Financial Network. 225-20130416-139771.
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Timothy R. Moran
Excellence Is Our Habit, Integrity Our Priority
Our Approach Is
Personalized Because Your
Needs Are Unique
Left to right: Nancy Lyon; Becky Goodrick;
three-year winner Tim Moran, Managing Partner, Senior Financial Advisor; Leslie Lockhart; Amy Marchionda
• Retirement planning
• Charitable giving
• Business succession
At Moran & Company, Investment Consulting Group, our
goal is to provide you with quality advice, sound results and
exceptional service during every stage of your life — and for
generations to come. Our team takes pride in our high level
of professionalism and our standard of ethics. By taking the
time to understand your unique values and priorities, we are
better equipped to help you realize your vision and the legacy
you wish to leave behind. We are committed to helping you
manage your financial life today and pursue realistic goals
for tomorrow.
400 Water Street, Suite 204 • Rochester, MI 48307
Phone: (248) 652-2599 • Toll-free: (888) 262-2974
tmoran@wfafinet.com • www.MoranInvest.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. Investment Products and services offered through Wells Fargo Advisors Financial Network, LLC (WFAFN), Member SIPC, a registered broker-dealer and separate nonbank affiliate of Wells Fargo & Company. Moran & Company Investment Consulting Group is a separate entity from WFAFN. [CAR 0313-04857].
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Wayne E. Phillips
Experienced, Insightful, Personal
Approach to Help You Plan
• Customized, comprehensive long-term
financial planning approach
• Specialized strategic portfolio design
• Working with families and business owners
on estate planning strategies
Areas of Focus: Financial Plans, Asset Management,
Retirement Income, Estate Planning Strategies,
Preserve Wealth, Family Security
Four-year winner Wayne E. Phillips, Financial Advisor,
ChFC®, CRPC®, AAMS®, CRPS®, AWMA®, CMFC®
In today’s world, you need a financial advisor to help you
develop a comprehensive financial strategy. Your portfolio is
complex. Finding a financial advisor with the specialized skills
to help you manage it is not. Your portfolio has reached the
point where it requires a different level of attention. As a result,
you need a different level of financial advisor to help you.
certain business in 11 states and helps clients in those states
plan their goals. Wayne is committed to doing all he can to
assist you in planning to achieve your financial dreams and life
goals whatever your stage in life.
Wayne is involved in the community with service as assistant
varsity basketball coach at Renaissance High School and
Wayne joined Ameriprise Financial in 1996. Being an Treasurer of the Michigan Black Chamber of Commerce. He
experienced advisor, he knows that everyone’s financial also sits on the boards of Third Eye, Inc.; MCOD Scholarship
picture is different. Wayne works with each client to design a Foundation; Prince Hall Foundation of Michigan; Geometry
custom plan to help them work toward and maintain what is Foundation; and the Walter P. Harris Foundation.
most important to them. He is licensed/registered to conduct
751 West Boston Boulevard • Detroit, MI 48202
Office: (313) 867-2332 • Fax: (313) 867-2333
wayne.2.phillips@ampf.com • ameripriseadvisors.com/wayne.e.phillips
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial
advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.
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We Think There’s More to Life Than
Money and the Markets. Do You?
• Clients we work with are busy, successful
people who value simplifying their lives by
having our team help them with financial
issues. We develop intergenerational
planning relationships that align actions
with values. We believe to whom much is
given, much is expected.
Areas of Focus: Comprehensive Approach to Wealth
Management and Legacy Planning Strategies
Left to right: Four-year winner Tom Smith, CFP®, CLU®, ChFC®, Financial Advisor,
Managing Director; and three-year winner Amy Smith, CRPC®,
Financial Advisor, President
We begin with a values exercise. We help clients be better
stewards with their money. We talk about their parents,
their kids and life after “retirement.” We lead clients through
discussions about life, doing our best to provide useful advice
about more than their investment portfolio. If your values
include faith, family, health and relationships, please call Tom
personally. Amy’s niche is $1 to $5 million in assets — we have
the resources to help if you have more or less. Our thanks to
the clients and peers who have supported us. Clients’ loyalty
is not taken for granted. You remain in our hearts and minds.
Smith & Associates, A private wealth advisory practice of Ameriprise Financial Services, Inc.
26200 Town Center Drive, Suite 250 • Novi, MI 48375
Office: (248) 349-4540 • Tom: (248) 459-7300
amy.l.smith@ampf.com • thomas.e.smith@ampf.com • amysmithandassociates.com
Tom Smith and
Amy Smith
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The Baker Group
Navigate Your Financial Future
With The Baker Group
• Investment and risk management
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• Business and benefits planning
• Preserve and grow your portfolio
Left to right: D. Gregory Baker, CAP®, President; two-year winner Donald B. Baker, CLU®,
CAP®, Chairman; Kevin M. Murphy, CFP®, Financial Advisor
We at The Baker Group appreciate the loyalty of our clients as we continue with
our “put-the-client-first” philosophy. Donald has recently been recognized as
Five Star Wealth Manager featured in HOUR Detroit magazine. The Baker Group, a
multigenerational firm, focused on serving business owners and professionals. We
help them to build wealth while attempting to reduce risk and protect their legacy.
Independent and fee based, we strive to select the best strategies to help meet our
clients’ goals. Thank you.
26400 Lahser Road, Suite 312
Southfield, MI 48033
Office: (248) 355-4100
Toll-free: (888) 234-3451
dbaker@bakergroup.org
www.bakergroup.org
Securities and Investment Advisory Services offered through NFP Securities, Inc. (NFPSI) member FINRA/SIPC.
The Baker Group is a member of Partners Financial, an affiliate of NFPSI. The Baker Group and NFPSI are not affiliated.
The Cini Wealth Management
Group of Raymond James
Built on a Foundation of Ethics,
Integrity and Trust
• Long-term investing approach
• Customized and individualized portfolios
• Strategic retirement and goal planning
Left to right: Bryan Morgan; four-year winner Vonda Cini, CFP®, Vice President –
Investments; David Cini; Pat Moutzalias
For more than 20 years, Cini Wealth Management has been dedicated to the
success of their clients through quality planning and thoughtful advice.
3003 Biddle Avenue
Wyandotte, MI 48192
Serving the Downriver community, we assist clients and their families in
developing strategic financial plans designed so they may exceed their financial
goals. We focus on each client’s complete financial picture — from planning for
retirement to establishing a comprehensive estate plan.
Direct: (734) 285-2175
Office: (734) 283-4720
vonda.cini@raymondjames.com
www.raymondjames.com/cini
Raymond James & Associates, Inc., member New York Stock Exchange/SIPC.
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Your Personal CFO
• Customized options to help reach financial goals
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• Personal time and attention with each client
• Committed to the community
Left to right: Neil Weissman, two-year winner Ronald Eppler and Anthony Showich
The Weissman Eppler Showich Investment Group of Wells Fargo Advisors provides
high-net-worth individuals and families with customized financial options to help
them reach their goals. The Ann Arbor-based team, led by advisors Neil Weissman,
Ronald Eppler and Anthony Showich, assists clients by helping to grow their
portfolios and minimize risk. The team helps families expand their wealth and
realize new opportunities through personalized service, time and attention.
2723 South State, Suite 320
Ann Arbor, MI 48104
Office: (734) 668-4332 • Cell: (734) 673-3723
ronald.eppler@wellsfargoadvisors.com
weissmanepplershowich.wfadv.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 0413-02981].
Jamie Griffith
Kevin Kilgren
Teamwork • Relationships • Service
• We help clients visualize their financial goals
• Helping you define your goals and risk tolerance
• We work as a team with you and track your
progress along the way
Left to right: Three-year winner Jamie Griffith, MBA, CRPC®, Financial Advisor; Angela Williamson,
Client Service Coordinator; three-year winner Kevin Kilgren, JD, Financial Advisor
Why work with us? As financial advisors, we take the time to listen and understand,
helping you to visualize your dreams and goals. Working together, we will help
you invest and manage your money to help bring your dreams more within reach.
We would like to thank the clients, whom we are lucky to serve, for helping us
to be included in this distinguished group of wealth managers for the third
consecutive year. We are grateful for your continued business, support and longterm relationships that helped us to achieve this honor.
Please visit us at ameripriseadvisors.com/kevin.r.kilgren and ameripriseadvisors.
com/james.r.griffith.
Griffith & Kilgren, a financial advisory practice of
37677 Pembroke Avenue
Livonia, MI 48152
Phone: (248) 715-4055
Ronald Eppler
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Gregory Ellis Hill
David Long
Experience and Integrity
Client-Based Advice
• We listen, understand and clarify
• Intelligent financial strategies
• In-depth analysis and regular feedback
Left to right: Three-year winner Gregory Hill, Vice President – Investments; and
2013 winner David Long, CRPC®, Financial Advisor
Gregory Hill and his son-in-law David Long represent more than 35 years of
combined investment experience. Their experience and broad array of company
resources empower their clients to take the proactive path toward financial success.
They use a disciplined, long-term approach to wealth management solutions and
investing, including stocks and bonds (taxable or tax advantaged), mutual funds,
ETFs, annuities or diversified global portfolios. They appreciate the trust clients
place with them and pride themselves on the strong, enduring relationships we
share with individuals and their families.
31440 Northwestern Highway
Farmington Hills, MI 48334
Phone: (248) 737-8440
Toll-free: (800) 537-4509
Gregory.Hill@WFAdvisors.com
Home.WellsFargoAdvisors.com/Gregory.Hill
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 0413-03094].
Investment and insurance products:
NOT FDIC-Insured
NO Bank Guarantee
MAY Lose Value
Thomas M. Konopka
• Comprehensive wealth management strategies
• Investment management
• Proactive portfolio strategies and investment
management
Left to right: Three-year winner Thomas Konopka, Senior Vice President, Financial Advisor;
John Crandall, CFP®, Registered Marketing Associate
Having been selected as a Five Star Wealth Manager, Tom, with his Registered
Marketing Associate, John, works with businesses, individuals, trusts and
foundations around the United States to help grow, protect and preserve their
financial assets. Tom’s practice is based on the fundamental principle of ongoing
asset allocation and risk-management advice. He uses customized income
strategies to help meet clients’ income needs and diversify their portfolios. Morgan
Stanley’s global capabilities allow him to bring world-class resources to his clients.
40701 Woodward Avenue, Suite 200
Bloomfield Hills, MI 48304
Phone: (248) 723-1815
thomas.m.konopka@morganstanley.com
john.m.crandall@morganstanley.com
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. Asset allocation and diversification do not guarantee a profit or protect against a loss.
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Trust Is the Most Valuable Asset™
• Retirement income planning
• Business succession planning strategies
• Investment planning
Left to right: Three-year winner Joe Budd, CERTIFIED FINANCIAL PLANNER™ practitioner, Managing
Partner; Margaret Anderson; and four-year winner Lou Melone, CERTIFIED FINANCIAL PLANNER™
practitioner, Managing Partner
Life is a journey … have a plan. Planning is the focus they have embraced since the
firm’s cofounders started their careers in the financial advisory industry more than
18 years ago. From the beginning, they witnessed an industry too often product
driven rather than planning driven. “We offer retirement income planning, because
we believed there was value in providing that type of guidance to business owners
and families,” says Lou Melone. The plan should drive the portfolio.
3121 University Drive, Suite 180
Auburn Hills, MI 48326
Toll-free: (877) 293-5830
lmelone@wfafinet.com
www.buddmelone.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. Investment products and services offered through Wells Fargo Advisors Financial Network, LLC (WFAFN), Member SIPC, a registered broker-dealer and separate nonbank affiliate
of Wells Fargo Company. Budd, Melone and Company, LLC is a separate entity from WFAFN. [CAR 0413-01484].
Andrew Perri
Asking the Right Questions:
• Should I be invested for growth or principal
protection?
• Will my life savings last as long as I do?
• Does my advisor have a strategy if conditions
change?
Left to right: Mark Wojno, CPA; Nadine Burns, MBA; and
three-year winner Andrew Perri, RFC®, CWS
For more than 17 years, we have successfully helped our clients develop and plan
for their financial goals. We understand that a financial game plan is much more
than just numbers, it entails your hopes, your dreams and your aspirations.
We recognize that life and financial markets are unpredictable, demanding that
your financial and investment strategies evolve as changes occur. Let us help you
with regular check ups on the health of your wealth. We’ll be there for you, your
family and your financial future no matter what life throws your way.
230 North Second Street, Suite 200
Brighton, MI 48116
Areas of focus: retirement income planning, fee-based active portfolio management
and alternative investments.
www.pinnaclewealthonline.com
Phone: (810) 220-6322
Toll-free: (800) 650-6322
Registered Representative of and Securities and Investment Advisory Services offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS) Member FINRA/SIPC.
Pinnacle Wealth Management is independent of BFCFS. There are risks involved with investing which may include market fluctuation and possible loss of principal value.
Particular investments may not be suitable for certain situations. This material does not constitute an offer to buy or sell any security.
Lou Melone
Joe Budd
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John F. Peters
Personalized Planning to
Preserve and Grow Your Wealth
• Concierge level of client service
• Objective advice — long-term experience
• Relationships built on trust
Left to right: Timothy Keefe, Sr. Vice President, Raymond James Trust Consultant;
Laura Eldon, Registered Service Associate; three-year winner John F. Peters, Sr. Vice President,
Investments, Wealth Management Specialist
For nearly 30 years, I've become my clients' advocate in achieving their financial and
life goals. Using a variety of wealth management tools, we turn complex strategies
into concepts my clients can understand. My passion to assist in planning for life's
dreams positions me as their go-to resource and in turn helps remove stress and
complications from their already busy lives. I work with generations of families as
a life-long advisor to build wealth and preserve legacies.
325 North Old Woodward, Suite 320
Birmingham, MI 48009
Phone: (248) 540-3733
Toll-free: (800) 544-8754
John.Peters@RaymondJames.com
www.raymondjames.com/johnpeters
© 2013 Raymond James & Associates Inc., member New York Stock Exchange/SIPC.
Shelley L. Schudlich
Building Financial Bridges,
One Client at a Time
• Wealth accumulation and transfer strategies
• Wealth protection and preservation
• 25-year industry veteran
2013 winner Shelley L. Schudlich, Director – Investments
Your financial needs are unique to your personal well-being, business, family and
community. Your wealth presents opportunities and challenges that require your
attention. Like any successful undertaking or endeavor, managing your wealth
requires a well-thought-out plan that anticipates your needs and prepares you
for the future. Life is unpredictable — but together, we can make common-sense
investment decisions about things you can control. Call or visit us today.
Oppenheimer & Co. Inc.
810 Michigan Street
Port Huron, MI 48060
Office: (810) 987-1500
Toll-free: (800) 321-5401
shelley.schudlich@opco.com
www.opco.com
Oppenheimer & Co. Inc. Transacts Business on All Principal Exchanges. Member SIPC.
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Retirement Plan Consultants and
Co-Fiduciaries
• 401(k) provider benchmarking, comparison
and searches
• Quarterly investment performance and expense
monitors
• Co-fiduciary services and due diligence
documentation
Left to right: Ginger M. Erickson, AIF®; 2013 winner Michael F. Shearon, AIF®
With more than 40 years of combined experience as trusted advocates for
everyone from plan sponsors and participants to individuals and families, we take
a competitive approach to setting and achieving retirement goals.
As co-fiduciaries striving to improve investment outcomes, we protect our valued
clients from unnecessary risks on the way to realizing their objectives.
We share your concern about fiduciary liability, poor performance, excessive fees
or the lack of due diligence, and we welcome the opportunity to provide you with
the kind of service you deserve.
3001 West Big Beaver Road, Suite 100
Troy, MI 48084
Cell: (810) 610-8677
Office: (248) 649-4100, Ext. 353
mshearon@flynnbenefits.com
www.flynnbenefits.com
Securities and Investments Advisory Services offered through NFP Securities, Inc. Member FINRA/SIPC. NFP Securities, Inc. is not affiliated with Flynn Benefits Group.
Michael J. Welch
Experience • Integrity
Trust • Competence
• More than 50 years of combined financial services
experience
• Investment management for individual, business
owner and nonprofit clients
• Provide customized, objective solutions to your
financial needs
Left to right: Four-year winner Michael J. Welch, Managing Director, Senior Investment
Consultant, CRC®; Ann M. Joyce
Mike works closely with individuals, professionals, business owners and nonprofits
to evaluate their needs and provide them with creative solutions. Before any
recommendation is made, Mike gives attention and extensive analytical work to
a client’s time horizon, risk profile, income needs, tax situation, and estate and
wealth transfer goals.
Through continuous education that includes Wharton School and University of
Chicago, Mike strives to provide sound, unbiased advice. This is communicated
regularly, good times or bad, building meaningful long-term plans and
relationships that you and your family can depend on.
Robert W. Baird & Company, Inc.
300 Park Street
Phone: (248) 594-9959
Toll-free: (888) 594-9959
mwelch@rwbaird.com
Michael F. Shearon
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Raphael Betanzos
Senior Vice President,
Senior Consultant, Wealth Advisor
ar
P. Mark Accettura, Esq.
Phone: (248) 848-9409
maccettura@elderlawmi.com
www.elderlawmi.com
Focus on Estate and Elder Law
130 Kercheval Ave.
Grosse Pointe Farms, MI 48236
Phone: (313) 343-8463
Toll-free: (800) 486-3347
raphael.betanzos@ms.com
Institutional Type Investing for Individuals
• Helping clients with wealth creation and preservation
• Personalized, goal-driven strategies
• Integrity, honesty and service
Our expert team of lawyers applies cutting-edge techniques to avoid
probate, protect those with special needs, obtain benefits for veterans
and Medicaid for clients who can no longer live independently. We
follow our clients and families from cradle to grave. We are committed to
educating our clients, sending a bi-annual newsletter and offering annual
client seminars in five locations. Mark’s fourth book, "Blood & Money:
Why Families Fight Over Inheritance and What to Do About It" (available
on Amazon.com and BarnesandNoble.com) has won numerous awards,
including runner up at both the 2011 London and Paris Book Festivals.
Trust is paramount. I work for clients and their best interests. The
focus is always on the client and their goals. My goal is to build longterm relationships which concentrate on the client.
Using cutting-edge investment processes and modern portfolio
management, I endeavor to control risk and seek to deliver
consistent steady returns.
Mr. Betanzos is a three-year Five Star Wealth Manager.
Joe Betcher
Terry Brown
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• Estate and elder law
• Medicaid, veterans’ benefits and special needs
• Probate, mediation and conflict resolution
Managing Partner, RFC®
First Vice President – Investments
12900 Hall Rd., Ste. 435
Sterling Heights, MI 48313
Office: (586) 726-8866
jbetcher@betcherfg.com
www.BetcherFG.com
255 E Brown St., Ste. 400
Financial Strategies Redefined
Phone: (248) 433-8352
Toll-free: (800) 521-9463
terry.brown@wellsfargoadvisors.com
Financial Pathway for a Secure Future
• Chairman's Council Qualifying Member
• Qualifying and Life Member of MDRT
• Top of the Table Member of MDRT
• Personalized process for advising clients
• Investing based on life goals and risk tolerance
• Exceptional level of service and monitoring progress
At Betcher Financial Group, we pride ourselves on hiring and
developing hardworking, dedicated professionals with a clientcentric focus. We are committed to providing our clients with a
strategic course of action that will help with long-term financial
goals. My firm's growth and success is a direct result of the continued
support of our valued clients and the strength of my team.
Since his start in the financial services industry in 1985, Terry
Brown has used his financial education and knowledge to provide
investment advice and wealth-building strategies .
Securities offered through The O.N. Equity Company. Member FINRA/SPIC. Investment
Advisory Services offered through O.N. Investment Management Company.
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
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Valerija E. Castro
Daniel Dickhudt
Financial Advisor
Financial Consultant
101 W Big Beaver, Ste. 425
Troy, MI 48084
Office: (248) 925-4408
valerija.e.castro@ampf.com
www.ameripriseadvisors.com/
valerija.e.castro
13424 Dix Toledo Rd.
Southgate, MI 48195
Knowledge Makes the Difference
Office: (734) 284-1838, Ext. 11
Dan.Dickhudt@thrivent.com
www.thrivent.com/fr/dan.dickhudt
Customized Advice Makes a Difference
• Retirement planning strategies
• Cash-flow management strategies
• Wealth preservation strategies
• Investment management
• Retirement income distribution strategies
• Fee-based financial planning
I am passionate about working with my clients and want them to
experience financial confidence now and in retirement. I will look
at your entire financial picture — cash reserves, debt management,
investments, protection and taxes.
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.
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., 625 Fourth Ave. S, Minneapolis, MN 55415, a FINRA and SIPC member
and a wholly owned subsidiary of Thrivent Financial for Lutherans. Thrivent Financial
representatives are registered representatives of Thrivent Investment Management, Inc. They
are also licensed insurance agents/producers of Thrivent Financial. Fee-based investment
advisory services are available through qualified investment advisor representatives only.
Donald I. Gregg
Renee J. Hof-Lacey
President
Associate Vice President,
Financial Advisor
Retirement Funding
Advisors, Inc.
3155 W Big Beaver Rd., Ste. 119
Troy, MI 48084
Office: (248) 620-8035
Cell: (248) 703-1489
dgregg@retirementfundingadvisors.com
www.RFAAdvantage.com
220 Park St.
Direct: (248) 258-1182
Toll-free: (800) 258-1750
Renee.hof@morganstanley.com
Morganstanleyfa.com/renee.hof
Investing With a Purpose Requires:
Knowledge • Integrity • Honesty
• Assessing potential investment returns, risks and suitability
• Identifying and planning for cash-flow needs
• Balancing wealth preservation and growth
• Personal, professional caring advice
• Client-focused investment management
• Reliable advice for wealth preservation and accumulation
For individuals, RFA creates a distinct investment strategy for your
goals, such as college, preparing for retirement and estate planning.
For 401(k) and 403(b) plans, RFA creates multiple risk-based
model portfolios from a customized investment menu. This allows
participants to invest in a well-diversified investment strategy, based
on their risk profile. For endowments and foundations, RFA identifies
a sustainable balance between growing the portfolio and generating
income in accordance with your investment policy statement.
Renee has been with Morgan Stanley for more than 20 years.
As a financial advisor, she continues to grow her practice with
knowledge, ethical, personalized advice with exceptional client
service. “I am fortunate to have many wonderful client relationships.
I wish to express my immense gratitude to them.”
© 2013 Morgan Stanley Smith Barney LLC. Member SIPC. Morgan Stanley and its Financial
Advisors do not provide tax or legal advice. Individuals are urged to consult their tax advisor
for matters involving taxation and tax planning and their attorney for matters involving
trusts and estate planning and other tax matters.
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Andrew J. Howard
Sean P. Moran
Financial Advisor
Financial Advisor
130 Kercheval Ave.
Grosse Pointe, MI 48236
130 Kercheval Ave.
Grosse Pointe Farms, MI 48236
Phone: (313) 642-5918
sean.p.moran@morganstanley.com
www.morganstanleyfa.com/
themorangroup
Direct: (313) 343-8471
Toll-free: (866) 835-7845
andrew.howard@ms.com
Experience • Integrity
Your Personal CFO
• Conservative, customer-first approach
• Customized portfolio strategies
• Consistent, reliable service
• Strategic financial planning
• Reliable and committed client-service team
• Dynamic relationship manager
Andrew has been helping individuals and business owners define
and achieve their goals of growing and preserving wealth for more
than 27 years. He values his collaboration with some of the best
local CPAs and attorneys as well as the industry’s most seasoned
and respected investment professionals. Andrew is humbled by the
confidence and trust his clients place with him and is grateful for the
honor of the Five Star Professional award.
Did you know that business owners, executives and their families
have no time to plan for themselves? As our clients’ personal CFO,
we manage their financial affairs for them. This provides them with
the ability to dedicate their time to their business and families. Our
experienced team of professionals focuses on a detailed discovery
process with each client. This allows us to create a custom financial
plan that is reviewed on a consistent basis throughout their lives.
Phillip P. Putney
Mark Rowley
CPA/PFS, Ed Slott Elite IRA Advisor
First Vice President – Investments,
Fundamental Choice Portfolio Mgr.
Wells Fargo Advisors,
LLC
22029 Farmington Rd.
Office: (248) 888-7530, Ext. 22
Toll-free: (888) 805-7530
pputney@afswealthmgt.com
www.afswealthmgt.com
Tailor-Fit Financial Strategies
31440 Northwestern Hwy., Ste. 110
Direct: (248) 932-4483
Toll-free: (800) 537-4509
mark.rowley@wellsfargoadvisors.com
Investing Strategies for Your Goals
• Comprehensive financial planning
• Asset protection and risk management
• Retirement income and distribution planning
• Establish investment plan and risk tolerance
• Execute, monitor and update investment plan
• Retirement income and distribution strategies
With more than 15 years as a CPA financial planner, Five Star Wealth
Manager Phil Putney and his team of professionals help his clients
integrate all areas of their finances according to their goals, passions
and values. Through his unique process, Phil ensures his clients'
finances are working together harmoniously in the most taxefficient manner possible.
Since 1982, Mark has helped companies and families across the
United States achieve their financial goals. Mark offers a wide
range of services to help clients secure their future and focuses on
providing an outstanding client experience.
Securities and Advisory Services offered through Centaurus Financial, Inc. a Registered Investment Advisor,
Member FINRA and SIPC. Centaurus Financial, Inc. and AFS Wealth Management, LLC are not affiliated
companies. Supervising branch: 31395 West 7 Mile Rd., Ste. A, Livonia, MI 48152,(248) 442-1207.
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
© iv S
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Margie Shard
William C. Turner
CFP®,
President and Wealth Advisor
Senior Vice President –
Investments
D.B. French &
Company, LLC
1450 W Long Lake Rd.
Troy, MI 48098
Office: (810) 714-5566
margie.shard@shardfinancial.com
www.shardfinancial.com
Guiding You Through Life Transitions
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1537 N Leroy St.
Fenton, MI 48430
Cell: (248) 703-8056
Toll-free: (800) 647-4440
Wturner@dbfrench.com
Tailored Financial Strategies
• Job changes, pension elections and buyouts
• Retirement, wealth transfer
• Women and finances, divorce and widowhood
• Portfolio management
• Personal, professional, caring advice
• Registered options principal
Shard Financial was created after my family had a tragedy occur. I
experienced how finances play a role in life transitions and realized
that just managing investments wasn’t enough — a financial plan
is one way to determine which investments will help address goals
and how to help prevent falling into poverty if tragedy strikes. By
creating your plan, we have a road map of how to work toward your
goals and risks pertaining to your lifestyle.
My mission is to provide my clients with professional investment
services built on a foundation of integrity and trust. I make the client
the foundation of my practice, getting to know them personally and
making their goals my goals. I take pride in the lifelong relationships
I build with clients, and through the implementation of tailored
financial strategies, I aim to help them achieve their financial goals.
Asset allocation is key; diversification is essential.
Securities offered through L.M. Kohn & Company, a registered broker/dealer, member FINRA, SIPC.
D.B. French & Company, LLC- OSJ branch of L.M. Kohn & Company.
Chris W. Walker
President, JD
Top five questions that wealth managers
want clients to answer:
1. What are your goals and objectives with your finances?
2. What is your most pressing need right now?
3. Where do you see yourself in 5, 10, 15 years?
4. Where are all of your assets invested now?
5225 E Cook Rd., Ste. L
Grand Blanc, MI 48439
Office: (810) 695-7897
Toll-free: (800) 689-7897
cwalker@invest-counsel.com
www.invest-counsel.com
5. What is important about money to you?
Traditional Portfolio Management
• Established in 1929
• Customized portfolios
• Proven tax-efficient, buy-and-hold investment style
Our conservative approach to investing is that we craft customized
portfolios using individual securities. We have researched and
studied every security in your portfolio. We focus only on our sweet
spot — investing. We do not sell insurance, financial planning or
other investment products.
SEC-Registered Investment Advisor. No. 801-269.
From research conducted by
Five Star Professional, April 2011
ar
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David J. Aquilina
Craig A. Braun
Senior Vice President – Investments
Financial Advisor, Associate Vice President
Altman Financial, LLC
2086 Kemp Rd.
Office: (248) 481-8775
Cell: (248) 496-8834
terry@altmanfinancial.com
Wells Fargo Advisors,
LLC
2401 W Big Beaver, Ste. 600
Troy, MI 48084
Office: (248) 273-4360
Cell: (248) 321-0754
david.aquilina@
wellsfargoadvisors.com
We identify, clarify, quantify and work toward
client objectives. We provide implementation
services to designed plans. Client-directed
financial plans designed and implemented.
David provides clients with investment advice
and investment planning services centered
on capital growth and preservation. David
Aquilina has more than 20 years of experience.
Securities offered through LPL Financial, Member FINRA/SIPC.
Investment Advice offered through Global Financial Planning
Group LLC, a registered investment advisor. Global Financial
Planning Group, LLC and Altman Financial, LLC,
are separate entities from LPL Financial.
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 0413-04226].
By developing a relationship with families,
my investment planning process helps clients
better identify and solve challenges around
preserving and growing their assets for
themselves and those they care about most.
Investors should conduct their own evaluation of a financial
professional as working with a financial advisor is not a guarantee
of future financial success. Ameriprise Financial Services, Inc.,
member FINRA and SIPC.
Joel Brown
Steven Case
Chris Demetral
Juris Doctor
AIF®, CFP®, Five Star award winner 2010, 2012, 2013
Registered Principal
Financial Advisory
Associates
40 Oak Hollow St.
Phone: (248) 281-1501
jbrown@lincolninvestment.com
1311 S Linden Rd., Ste. D
Flint, MI 48532
Office: (810) 230-8100
cbraun@ampf.com
ameripriseadvisors.com/
craig.1.braun
Raymond James Financial Services, Inc.
Member FINRA/SIPC
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3883 Telegraph Rd., Ste. 203
Office: (248) 282-9905
Fax: (248) 282-9954
steven.case@natplan.com
financial-independence.com
We specialize in financial strategies for helping
you make informed decisions with regards to
your personal financial independence, wealth
management, legacy planning and transferring
your business to the next generation.
Steven Case, Co-Founder and Senior Partner,
has more than 24 years of experience. His
one-on-one approach to managing client
relationships allows him to properly interpret
client goals to help plan for a better future.
Advisory services offered through Capital Analysts, Inc. or Lincoln Investment,
Registered Investment Advisors. Securities offered through Lincoln Investment,
Broker Dealer, Member FINRA/SIPC, www.lincolninvestment.com. Financial Advisory
Associates and the above firms are independent, nonaffiliated entities. Legal services
are not offered through nor supervised by Capital Analyst or Lincoln Investment.
Securities and advisory services offered through National Planning
Corportation (NPC), Member FINRA/SIPC, a Registered Investment Advisor.
Financial Independence, LLC, Five Star and NPC are seperate and unrelated
companies. Receipt of the Five Star award is not indicative of a wealth
manager’s performance. For more information, visit fivestarprofessional.com.
2530 S Rochester Rd.
Rochester Hills, MI 48307
Phone: (248) 299-4200
Toll-free: (877) 299-4205
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Chris.Demetral@RaymondJames.com
We establish a personalized client-service
process that provides a strong foundation
for establishing our long-term professional
relationship. We invest the time to help
ensure all concerns are addressed, details
are understood and all parties feel confident
going forward.
Raymond James Financial Services, Inc. Member FINRA/SIPC.
James I. Downing
Jeffrey P. Forche
Robert H. Frank III
Financial Advisor, CFP®, CLU®
Associate Vice President – Investments
Financial Advisor, CRPC®
3260 E Morgan Rd.
Ann Arbor, MI 48108
Office: (734) 975-8762
james.i.downing@ampf.com
james.i.downing
For more than 20 years, Jim has been helping
people through the process of financial
planning. He understands that it’s not just
about the numbers, it is about understanding
your hopes and dreams for the future and how
a financial plan can help you get there.
Investors should conduct their own evaluation of a financial professional
as working with a financial advisor is not a guarantee of future financial
success. Ameriprise Financial Services, Inc., Member FINRA and SIPC.
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Terry R. Altman
CERTIFIED FINANCIAL PLANNER™
Troy, MI 48084
Phone: (248) 273-4324
Toll-free: (877) 484-4048
Jeffrey.forche@wfadvisors.com
As a financial advisor with Wells Fargo
Advisors, I can offer you a wide range of
services, from helping you select individual
investments to developing a retirement plan.
important information on the scope of the award and the Five Star
selection process. Wells Fargo Advisors, LLC, Member SIPC.
[CAR 0313-05279].
51685 Van Dyke Ave.
Shelby Township, MI 48316
Office: (586) 254-4227
Rfrank@ampf.com
I help people meet the challenge of financing
the present while planning for the future. I
work with clients on the issues that matter
most to them — protecting resources and
achieving financial objectives.
Investors should conduct their own evaluation of a financial
professional as working with a financial advisor is not a guarantee
of future financial success. Ameriprise Financial Services, Inc.,
Member FINRA and SIPC.
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Dana Margiotta Frellick
Bruce A. French
David Fulkerson
CFP®, Financial Advisor, First Vice President
Vice President, Financial Advisor
Chief Investment Officer
1108 N Main St.
Rochester, MI 48307
Direct: (248) 218-8243
Toll-free: (877) 407-2707
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Phone: (248) 258-1764
dana.frellick@ms.com
bruce.french@morganstanley.com
With more than 11 years of experience, Dana
has established a reputation for providing
long-term investment management and
wealth planning advice for her clients and
their families built on a foundation of integrity,
experience and continuity of service.
I appreciate the trust my clients have placed in
me. Helping clients with wealth creation and
preservation is the cornerstone of my practice.
My focus is on a custom client experience
with a high level of service for each individual
family. Visit www.morganstanley.com/fa/
bruce.french for more information.
Fulkerson Capital Management
49701 Shelby Creek Dr.
Shelby Township, MI 48317
Cell: (248) 670-9823
dave@davefulkerson.net
www.davefulkerson.net
Diversification was supposed to protect us
from bear markets. It didn’t. We have lived
through two major corrections in 12 years and
stocks are back up where these corrections
began. Now is the time to review if you should
look into investing systems designed to do
well if the market goes up or down from here.
Call today to learn about the five dangerous
trends facing investors in the next 10 years.
Jill Gleba
Richard J. Gregor
Wealth Manager
President, CPA
What matters
46 E Square Lake Rd.
Troy, MI 48085
Phone: (248) 879-4510
info@glebaandassociates.com
www.glebaandassociates.com
It has been a pleasure to serve our clients for
more than 28 years. Our firm offers insurance,
investment and retirement planning for
individuals and businesses.
“We make wealth simple!”
most is how you
recover from
setbacks.
— Five Star award winner
Securities offered through Cambridge Investment Research, Inc., a
Broker/Dealer, Member FINRA/SIPC.
5435 Corporate Dr., Ste. 260
Troy, MI 48098
Phone: (248) 641-3532
rgregor@creativefg.com
www.creativefg.com
Wharton Certificate in retirement planning.
Richard J. Gregor offers securities and investment advisory services
through AXA Advisors, LLC (New York, NY 212-314-4600),
member FINRA, SIPC, and offers annuity and insurance products
through AXA Network, LLC and its subsidiaries. (AR License No.
417154) Creative Financial Group LLC is not owned or operated by
AXA Advisors or AXA Network.
Robert C. Groves
Dawn Hausch-Cooper
Michael S. Kovie
CFP®, CIMA®, First Vice President – Investment Officer
Vice President, Financial Advisor, CFP®
255 E Brown St., Ste. 400
Direct: (248) 433-8361
robert.groves@wfadvisors.com
8455 S Saginaw St., Ste. 101
Grand Blanc, MI 48439
Office: (810) 579-2838
Toll-free: (800) 390-7925
dawn.l.hausch-cooper@ampf.com
Direct: (248) 723-1833
michael.s.kovie@morganstanley.com
www.morganstanleyfa .com/
michael_kovie
ameriprise.com
With more than 15 years of experience, you
can expect the attention and dedication of
a seasoned professional coupled with the
resources of a world-class financial institution.
important information on the scope of the award and the Five Star
selection process. Wells Fargo Advisors, LLC, Member SIPC.
[CAR 0413-02477].
I am passionate about working with my
clients and want them to experience financial
confidence now and in retirement. I offer
personalized service focusing on building
relationships and designing a plan that suits
their unique needs.
I work with my clients the way I would hope
and expect my own family to be treated —
with honesty, integrity and intellect. My Senior
Client Service Associate, Dawn Kremer, and I
work very hard every day to do the best job
we can for the clients we serve.
ar
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Sandra E. Lutkenhoff
Patrick A. Maly
Financial Consultant
CFP®, Vice President, Financial Advisor
Second Vice President, Financial Advisor
Scripter and
Associates
3155 W Big Beaver Rd.,
Ste. 103
Troy, MI 48084
Phone: (248) 643-4965
Cleaton.lindsey@lpl.com
www.cleatonlindsey.com
M y specialt y is providing alternative
investments, asset preservation strategies and
retirement income planning to go along with
more traditional investments.
Securities and Advisory Services offered through LPL Financial, a
Registered Investment Advisor. Member FINRA and SIPC.
40701 Woodward Ave., Ste. 200
Phone: (248) 723-1832
Direct: (248) 723-1820
Toll-free: (866) 334-8866
sandra.e.lutkenhoff@ms.com
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Cleaton M. Lindsey III
patrick.a.maly@morganstanley.com
www.morganstanleyfa.com/maly
I appreciate the trust my clients have placed
in me. My clients receive a customized plan
tailored to their specific needs. I help my
clients accumulate, protect and transfer
wealth intergenerationally working with their
other professionals.
I’m honored to be recognized again as a Five
Star Wealth Manager for 2013. With more
than 20 years in the industry, I concentrate in
customized income, money management and
financial planning services. I am committed to
providing first-class client service.
Earl E. McHugh
Dr. Sara Mehraban
ChFC®, Five Star award winner 2010 – 2013
Detroit Financial
Group
33533 W 12 Mile Rd., Ste. 295
Cell: (248) 229-7878
Office: (248) 324-9315
emchugh@financialguide.com
www.financialguide.com/Earl-McHugh
Registered Representative of and offers securities and investment
advisory services through MML Investors Services, LLC a member
of the MassMutual Financial Group, Member SIPC. OSJ MassMutual
Michigan Metro 33533 W 12 Mile Rd., Ste. 295, Farmington
Hills, MI 48331 (248) 324-1100. Insurance Representative of
MassMutual. MassMutual Financial Group is a marketing name
for Massachusetts Mutual Life Insurance Company (MassMutual)
and its affiliated companies and sales representatives, Springfield,
MA 01111-0001. Local sales agencies are not subsidiaries of
MassMutual or its affiliated companies.
Financial
planning is a
holistic approach
to financial
well-being.
1590 Eisenhower Pl.
Ann Arbor, MI 48108
Phone: (734) 477-5233
sara.x.mehraban@ampf.com
sara.x.mehraban
You’re busy, but you still have financial
goals and aspirations. I’m here to help you
bring those dreams within reach. For 24
years, I have helped my clients by providing
comprehensive financial planning services
based on each person’s unique situation.
Richard Nauer
Michele Nehls
Chuck O'Connor
Senior Vice President, Portfolio Manager, Financial Advisor
Financial Consultant, Investment Advisor Representative
Principal, Chartered Retirement Planning Counselor (CRPC®)
Phone: (248) 723-1823
richard.l.nauer@ms.com
www.morganstanleyfa.com/nauer
Rick, Portfolio Manager and CERTIFIED FINANCIAL
P LANNER ™ professional, has been helping
investors organize, manage, build and protect
their wealth for 30 years.
© 2013 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.
6611 Chicago Rd.
Warren, MI 48092
Office: (586) 276-3108
michele.nehls@securitiesamerica.com
1403 E 5th St.
Royal Oak, MI 48067
Direct: (248) 719-1900
chuck.oconnorjr@lpl.com
www.extracreditinvestments.org
Michele brings wealth mgmt. strategies to assist
members with their investment, retirement
planning, insurance and income needs. Michele
works one-on-one with you, towards your values,
using individualized advice. Give her a call today!
Securities offered through Securities America, Inc., Member FINRA/SIPC and
advisory services offered through USAdvisors Wealth Management, LLC,
Michele Nehls, Representative. Extra Credit Union, the USAdvisors Wealth
Management, and Securities America are separate entities.
Not NCUA Insured • No Credit Union Guarantees • May Lose Value
Our objective is to ethically and professionally
craft well-designed, custom-built financial
strategies that can enable our clients to pursue
their goals. We offer the experience of a large
firm coupled with the personal attention of a
small firm.
Securities offered through LPL Financial. Member FINRA/SIPC.
Investment advice offered through O'Connor Financial Group, L.L.C., a
registered investment advisor and separate entity from LPL Financial.
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Martin D. Reid
Barbara F. Robins
Account Executive
Investment Advisor Representative
For more than 20 years, I have assisted my
clients with independent advice and financial
strategies to support what is meaningful in
life. I am grateful for their trust and recognition
of this award!
Securities and Advisory Services offered through LPL Financial,
member FINRA/SIPC.
19810 Mack Ave.
Grosse Pointe Woods, MI 48236
Office: (313) 640-1200
martin.reid@lpl.com
www.lpl.com/martin.reid
Our mission is to cultivate long-term
relationships built on knowledge and
integrity, providing the highest-quality
objective advice that focuses on each client’s
unique situation. Martin has more than 27
years of experience providing comprehensive
wealth management services. We also provide
corporate retirement plan services.
LPL Financial, Member FINRA/SIPC.
James J. Speir
President, Financial Advisor, Licensed Insurance Professional
17515 W Nine Mile Rd., Ste. 440
Direct: (248) 423-2700
Toll-free: (888) 458-0667
james@speirfinancial.com
www.speirfinancial.com
For more than a decade, Speir Financial
Services has provided independent financial,
insurance and investment management
advice to individuals and families. Thank
you to our clients who entrust us with their
business.
Securities offered and sold through CoreCap Advisors,
a Registered Investment Advisor.
Consolidated Financial
Corporation
28411 Northwestern Hwy.,
Ste. 950
Office: (248) 351-6000, Ext. 1152
Cell: (248) 224-3239
robinb@consolidated-financial.com
I take pride in listening to my clients and
helping them achieve their individual financial
goals. I will work one-on-one with you to
understand your investment and insurance
needs and then design and help you
implement a plan customized to your needs.
Advisory services and securities offered through Lincoln Investment Planning,
Inc., Registered Investment Advisor, Broker/Dealer. Member FINRA/SIPC.
Supervising office: 218 Glenside Avenue, Wyncote, PA 19095, (800) 242-1421.
James Stefanski
You will never get
Wealth Consultant, MBA
rich by just saving
money — you
must invest in
opportunities to
build wealth.
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Petersmark Financial
Network, Ltd.
2395 Oak Valley Dr., Ste. 120
Ann Arbor, MI 48103
Phone: (734) 372-7191
brett.petersmark@lpl.com
lpladvisorweb.com/brett.
petersmark
915 N Michigan Ave., Ste. 102
Howell, MI 48843
Direct: (517) 376-6272
Office: (517) 376-6273
James.Stefanski@lpl.com
StefanskiWealthManagement.com
We face unique challenges in life. Special
care is taken to address those challenges
by identifying, prioritizing and creating a
personalized plan. Areas of focus: retirement
distribution planning; professional women,
divorced or widowed; and investment planning.
Securities offered through LPL Financial. Member FINRA/SIPC.
Giovanni Volpe
Paul Walter
Partner
Vice President – Investments
Managing Partner
Korb, Toy &
Associates, CPAs
4555 Investment Dr., Ste. 303
Troy, MI 48098
Phone: (248) 641-8900, Ext. 201
shirley@korb-toy.com
www.korb-toy.com
Our firm mission is to provide exceptional
client service along with accurate, reliable
accounting and tax information. We measure
our success by helping our clients to
be successful.
Troy, MI 48084
Office: (248) 273-4326
Toll-free: (877) 497-2253
Walter Boesky &
Associates
17320 W 12 Mile Rd., Ste. 200
Phone: (248) 559-4750
pwalter.cpa@comcast.net
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Shirley Toy
I am thankful for the opportunity to help
my clients with their investment needs. I
work closely on a individualized basis with
all investors to develop a comprehensive
financial strategy designed to meet their
financial goals, needs and life-time objectives.
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 0413-02450].
Paul has based his career upon helping
clients achieve their financial goals. This is
accomplished by providing independent
advice along with value-added tax and
accounting services. “To my clients, thank you
for your support.”
R. Brett Petersmark

Five Star Wealth Managers

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