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SPECIAL ADVERTISING SECTION
©FiveStarProfessional 2020 SAN DIEGO ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional Five Star ©FiveStarProfessional Wealth Manager and Investment ©FiveStarProfessional Professional Award Winners ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional FS • 3
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Featured winners from our Five Star Professional section
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©FiveStarProfessional FIVE STAR AWARD WINNERS ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional RESEARCH DISCLOSURES
These days, it takes a village to manage your financial world. Whether it is managing your assets with a wealth manager, navigating the ever-changing tax landscape, sorting out your estate and succession planning or picking the right life insurance, finding the right team can be a daunting task. In fact, many consumers have a hard time figuring out where to even begin.
In order to consider a broad population of high-quality wealth managers and investment professionals, award candidates are identified by one of three sources: firm nomination, peer nomination or prequalification based on industry standing. Self-nominations are not accepted. San Diego award candidates were identified using internal and external research data. Candidates do not pay a fee to be considered or placed on the final lists of Five Star Wealth Managers or Five Star Investment Professionals. • The Five Star award is not indicative of a professional’s future performance.
•W ealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets.
Sometimes, a few simple questions can put you on the right path. Asking a professional what makes working with them a unique experience can help you understand how they work and if their style meshes with your own.
• The inclusion of a professional on the Five Star Wealth Manager list or the Five Star Investment Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine.
This is a great place to start! Five Star Professional uses its own proprietary research methodology to name outstanding professionals, then works with publications such as San Diego Magazine to spread the word about award winners. Each award candidate undergoes a thorough research process (detailed here) before being considered for the final list of award winners. For the complete list of winners, go to www.fivestarprofessional.com.
orking with a Five Star Wealth Manager, Five Star Investment Professional or any professional is no •W guarantee as to future investment success, nor is there any guarantee that the selected professionals 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 Wealth Manager or Five Star Investment Professional award programs, research and selection criteria, go to fivestarprofessional.com/research.
FIVE STAR WEALTH MANAGER CRITERIA
FIVE STAR INVESTMENT PROFESSIONAL CRITERIA
Award candidates who satisfied 10 objective eligibility and evaluation criteria were named 2020 Five Star Wealth Managers. Eligibility Criteria – Required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative. 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. Fulfilled their firm review based on internal firm standards. 5. Accepting new clients. Evaluation Criteria – Considered: 6. One-year client retention rate. 7. Five-year client retention rate. 8. Non-institutional discretionary and/or non-discretionary client assets administered. 9. Number of client households served. 10. Education and professional designations. 2,018 award candidates in the San Diego area were considered for the Five Star Wealth Manager award. 219 (approximately 10% of the award candidates) were named 2020 Five Star Wealth Managers.
The investment professional award goes to estate planning attorneys, insurance agents and select others in the financial industry. Eligibility Criteria – Required: 1. Credentialed with appropriate state or industry licensures. 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. Accepting new clients. Evaluation Criteria – Considered: 5. One-year client retention rate. 6. Five-year client retention rate. 7. Number of client households served. 8. Recent personal production and performance (industry specific criteria). 9. Education and professional designations/industry and board certifications. 10. Pro Bono and community service work. This year, we honored 1 San Diego-area investment professional with the Five Star Investment Professional award.
DETERMINATION OF AWARD WINNERS
DETERMINATION OF AWARD WINNERS
All award winners are listed in this publication
Wealth Managers
Douglas Jarman ∙ Financial Planning Consultants Page 7
Estate Planning
Paul S. Lim ∙ The Wealth Consulting Group
Rick Alvarado ∙ WealthOne Advisors/ LPL Financial
Ann Tu ∙ Morgan Stanley
John K. Lohrenz ∙ JKL Wealth Management/ LPL Financial Page 11
Phil Bell ∙ Yorkshire Wealth Management Page 6
William McBride IV ∙ Morgan Stanley Page 11
Steven T. Looser ∙ The Looser Financial Group
Edward Lorne Dawson ∙ Wells Fargo Advisors
Scott Alan McClatchey ∙ WWM Financial
David Lu ∙ Wells Fargo Advisors Page 7
Jonathan Paul Fairchild ∙ Telos Capital Management, Inc.
Michael John Moore ∙ American Money Management
Richard B. French ∙ Morgan Stanley
Lawrence Potomac ∙ LPL Financial
Jeanni Patricia Harrison ∙ Wealth Quest Partners
David Harrison Rascoe ∙ Morgan Stanley
Financial Planning
Dale A. Beed ∙ Morgan Stanley Page 9
Joel Arthur Beyer ∙ 215 Advisors, LLC
Catherine M. Magana ∙ WWM Financial
Jeffrey Gus Carlos ∙ LPL Financial
Les Merrithew ∙ Merrithew & Thorsten, Inc. Page 6
Bret A. Cleveland ∙ Morgan Stanley Page 11
David Lowell Moran ∙ AXA Advisors
William Benjamin Corder ∙ Manning Wealth Management, Inc.
Cody Roulier ∙ Waddell & Reed Page 10
Matthew A. Costanzo ∙ Costanzo Financial Group Page 3
Danielle DeMarce Stanton ∙ LPL Financial Page 10
Jonathan Edward Doering ∙ Thrivent Financial
Bryan Stebel ∙ Stebel Financial Group Page 4
Norbert Frassa ∙ Morgan Stanley Page 11
Tom R. Gibbings ∙ 20/20 Financial Advisers of San Diego, LLC Page 10 Jeremy D. Gottlieb ∙ Gottlieb Wealth Management Page 8
Jeanni Harrison ∙ Wealth Quest Partners
Amy Therese Sharp ∙ Amy T. Sharp, CFP, LLC
Ray Hamid Taraz ∙ Ameriprise Financial Services, Inc. Thomas Anthony Trax ∙ LPL Financial
Investments
Craig James Hillegas ∙ Hillegas Advisory Services, Inc.
Scott Daniel Hood ∙ Wells Fargo Advisors Murray Hougen ∙ LPL Financial Page 10
Tina Giacomini Huston ∙ JM Financial Strategies
Roy Michael Lopez ∙ Sage Stone Wealth Management Page 9 Delon Thomas Mansour ∙ LPL Financial
Sheryl Rowling ∙ Rowling & Associates Page 11 Kelli Marie Ruby ∙ Weatherly Asset Management
Taylor R. Schulte ∙ Define Financial Page 5 Keith Taylor Sippy ∙ Morgan Stanley Michael Scott Sorenson ∙ LPL Financial
Sam Kashanchi ∙ AXA Advisors
Brandon Thorsten • Merrithew & Thorsten, Inc. Page 6
Mary Naber King ∙ Sage Stone Wealth Management, LLC Page 9
John Peter Weinstein ∙ Decision Investments
Evelyn Lara ∙ Wells Fargo Advisors
Brandon Linster ∙ Unionbanc Investment Services Page 11
Joseph White ∙ Wells Fargo Advisors Page 8 Gabriel Benjamin Wisdom ∙ American Money Management Continued on FS-12
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©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional Costanzo Financial Group ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional
For over 50 years, Costanzo Financial Group has been serving as your financial advisor in the disciplines of investment management and retirement planning. Left to right: Front row: Two-year winner Matthew A. Costanzo, Our firm believes that innovation and the pursuit of knowledge on behalf of our Investment Advisor Representative; Eight-year Pittsburgh Five clients should never cease, and it is our responsibility to empower our clients to Star Wealth Manager Andrew J. Costanzo Jr., CEO, Principal, make informed decisions for the future. CFG takes pride in delivering exceptional Financial Advisor, ChFC®, CLU®; Maritza Prom; financial care that combines advanced technology with personalized service. Our three Cs approach — character, competence and consistency — results in Back row: Kelly Gallego; Sheila Eivazi; Mitchell Stehly; lasting partnerships with our clients, generation after generation. Alison Reinhardt 1903 Wright Place, Suite 300 • Carlsbad, CA 92008 Office: 412-823-4704 • [email protected] • ajcostanzo.com
Securities and advisory services offered through Cetera Advisors, LLC (doing insurance business in CA as CFGA Insurance Agency, LLC, CA License Number: 0G83533), member FINRA/SIPC, a broker/dealer and a Registered Investment Advisor. Cetera is under separate ownership from any other entity.
The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. 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 client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. 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. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 2,018 San Diego-area wealth managers were considered for the award; 219 (11% of candidates) were named 2020 Five Star Wealth Managers. 2019: 1,885 considered, 224 winners; 2018: 1,498 considered, 228 winners; 2017: 1,349 considered, 349 winners; 2016: 1,337 considered, 349 winners; 2015: 1,639 considered, 350 winners; 2014: 1,838 considered, 368 winners; 2013: 1,675 considered, 417 winners; 2012: 1,014 considered, 284 winners.
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©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional Stebel Financial Group ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional Nine-year winner Bryan Stebel, CERTIFIED FINANCIAL PLANNERTM, Chartered Retirement Planning CounselorSM
217 Chesterfield Drive • Cardiff-by-the-Sea, CA 92007 Phone: 858-717-0833 • [email protected] • www.stebelfg.com
Bryan brings a high level of personal commitment to each of his clients, structuring each portfolio personally. Bryan has been in the financial industry for 24 years, with over 10 years spent at Fidelity Investments, handling the UC campuses of San Diego, Irvine and Riverside. Retirement income planning is Bryan’s specialty, but he is a full-service financial provider and provides holistic planning for all of his clients. He believes communication is the key to success. Registered Representative Securities offered through Cambridge Investment Research Advisors, Inc. a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and ETI Financial Group are not affiliated.
The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. 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 client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. 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. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 2,018 San Diego-area wealth managers were considered for the award; 219 (11% of candidates) were named 2020 Five Star Wealth Managers. 2019: 1,885 considered, 224 winners; 2018: 1,498 considered, 228 winners; 2017: 1,349 considered, 349 winners; 2016: 1,337 considered, 349 winners; 2015: 1,639 considered, 350 winners; 2014: 1,838 considered, 368 winners; 2013: 1,675 considered, 417 winners; 2012: 1,014 considered, 284 winners.
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©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional Taylor R. Schulte ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional CERTIFIED FINANCIAL PLANNER™, Founder, CEO
Six-Year Winner
Define Financial
12526 High Bluff Drive, Suite 238 • San Diego, CA 92130 Phone: 858-345-1197 • Fax: 858-345-1319 [email protected] • www.definefinancial.com
There are three important things that separate us from other firms: 1. We exclusively provide retirement planning for professionals over age 50. We are retirement specialists with a simple goal of ensuring you don’t run out of money. 2. We focus heavily on tax planning to help our clients reduce taxes in retirement. Believe it or not, your tax bill could be higher in retirement than as a working professional! 3. We are a commission-free firm. The only compensation we receive comes directly from our clients through a transparent fee schedule. Advisory services offered through Define Financial, LLC, a Registered Investment Advisor. Securities offered through National Financial Services LLC and Fidelity Brokerage Services LLC, Members NYSE, SIPC.
The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. 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 client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. 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. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 2,018 San Diego-area wealth managers were considered for the award; 219 (11% of candidates) were named 2020 Five Star Wealth Managers. 2019: 1,885 considered, 224 winners; 2018: 1,498 considered, 228 winners; 2017: 1,349 considered, 349 winners; 2016: 1,337 considered, 349 winners; 2015: 1,639 considered, 350 winners; 2014: 1,838 considered, 368 winners; 2013: 1,675 considered, 417 winners; 2012: 1,014 considered, 284 winners.
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©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional WEALTH MANAGERS
Merrithew & Thorsten, Inc. Helping People Through Life’s Transitions
∙ Portfolio and wealth management
∙ Retirement planning and projections ∙ Tax preparation and planning
∙ Business planning and taxation
∙ Estate planning, wills and trusts
5 YEAR
∙ Fee-only; no sales or commissions
∙ Over 55 years of combined experience
WINNER
Left to right: Five-year winners Brandon Thorsten, M.S., CFP®, EA, and Les Merrithew, CFP®, EA
9820 Willow Creek Road, Suite 200 • San Diego, CA 92131 • Phone: 858-547-1845 [email protected] • [email protected] • www.fee-only-planner.com
Our holistic approach ensures that our clients’ financial plans are complete and integrated. It is not sufficient to have only a well-structured investment plan. Investment decisions must take into account careful tax planning as well as estate and insurance planning. With all of our recommendations, we consider the effect each decision will have on all other aspects of our clients’ financial lives. In addition to a complete, integrated plan, we work with our clients on an ongoing basis to proactively manage that plan. A financial plan is not static, and it should not be a one-time, hardbound snapshot. A true financial plan is dynamic; it is constantly evolving.
Wealth Manager Award Winner
Phil Bell
Investment Advisory Representative
Integrity, Perspective, Fee Only
∙ Guiding you on your path to retirement, investments, tax planning, lifestyle changes and more ∙ Helping you achieve your ultimate goals sooner than you thought was possible
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YEAR WINNER
Left to right: Sean Bell, Executive Assistant; Six-year winner Phil Bell, Investment Advisory Representative, Wealth Manager; Douglas Shultz, Wealth Manager
11415 West Bernardo Court, Suite 101 • San Diego, CA 92127 Phone: 858-798-5616 • [email protected] yorkshirewealthmanagement.com
A multidisciplinary approach to investing is essential in today’s turbulent waters. Let us bring our knowledge of investment management, tax planning and retirement planning to your individual case. We welcome you to come see how we are different. Investment Advisory Services offered through Integrated Advisors Network LLC (IAN), a Registered Investment Advisor. Yorkshire Wealth Management and IAN are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.
Wealth Manager Award Winner
The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. 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 client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. 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. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 2,018 San Diego-area wealth managers were considered for the award; 219 (11% of candidates) were named 2020 Five Star Wealth Managers. 2019: 1,885 considered, 224 winners; 2018: 1,498 considered, 228 winners; 2017: 1,349 considered, 349 winners; 2016: 1,337 considered, 349 winners; 2015: 1,639 considered, 350 winners; 2014: 1,838 considered, 368 winners; 2013: 1,675 considered, 417 winners; 2012: 1,014 considered, 284 winners.
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SPECIAL ADVERTISING SECTION
©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional WEALTH MANAGERS
David Lu
Managing Director – Investments, Senior PIM Portfolio Manager, CFP®
Committed to a Personalized and Proactive Approach, Dedicated to Your Success
∙ Comprehensive wealth and investment management ∙ Open architecture investing: multiple platforms to manage your investments
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∙ Customized wealth plans
YEAR WINNER
David is a 2012 – 2020 Five Star Wealth Manager and a CFP® professional with 22 years of experience in the wealth management and investment field. David works closely with private clients as well as institutions to help bring together solutions for the multidimensional aspects of their financial affairs. This involves helping to enhance, create and preserve clients’ wealth, as well as guiding them step by step through every customized strategy. David’s practice centers around helping his clients develop and execute wealth plans designed to ensure they achieve their life goals.
Left to right: Nine-year winner David Lu, Managing Director – Investments, Senior PIM Portfolio Manager, CFP®; Elizabeth Sanchez, Financial Advisor
13520 Evening Creek Drive, Suite 500 • San Diego, CA 92128 Direct: 858-248-8817 • Toll-free: 800-223-3843 • Fax: 858-248-8801 [email protected] • home.wellsfargoadvisors.com/David.G.Lu
CA Insurance Lic. 0C65114. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC. [CAR-1019-04916].
Wealth Manager Award Winner
Douglas Jarman CFP®, LPL Registered Principal
Wealth Management — Tailored to You
∙ Comprehensive financial planning for any stage of life
∙ Investment management, retirement savings strategies and estate planning strategies
Having a 35-year, seasoned CERTIFIED FINANCIAL PLANNER™ professional like Doug Jarman help you navigate your financial decisions is invaluable. Financial Planning Consultants is one of the oldest full-service financial planning firms in San Diego, serving investors since 1977. FPC works proactively to provide a high level of diligence, professionalism and integrity for our clients. We specialize in multigenerational planning and are dedicated to helping you and your family pursue your financial goals.
1450 Frazee Road, Suite 308 • San Diego, CA 92108 Phone: 619-291-7974 • [email protected] www.fpconsultantsinc.com • Twitter: @investfpc
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YEAR WINNER
Left to right: Karen Nielsen, Operations Manager; Eight-year winner Douglas Jarman, CFP®; Nathan Jarman, CFP®, LPL Financial Advisor; Melanie Parker, Customer Relations Manager
Securities offered through LPL Financial, Member FINRA/SIPC. Financial planning offered through Financial Planning Consultants, a registered investment advisor not affiliated with LPL FInancial. CA Insurance Lic. 0610873.
Wealth Manager Award Winner
The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. 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 client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. 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. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 2,018 San Diego-area wealth managers were considered for the award; 219 (11% of candidates) were named 2020 Five Star Wealth Managers. 2019: 1,885 considered, 224 winners; 2018: 1,498 considered, 228 winners; 2017: 1,349 considered, 349 winners; 2016: 1,337 considered, 349 winners; 2015: 1,639 considered, 350 winners; 2014: 1,838 considered, 368 winners; 2013: 1,675 considered, 417 winners; 2012: 1,014 considered, 284 winners.
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©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional WEALTH MANAGERS
Jeremy D. Gottlieb President and CEO
Retirement and Income Plan Expertise
∙ Retirement planning specialist
∙ Committed to serving clients’ best interests ∙ Core values never change
Jeremy Gottlieb provides the highest standards of professionalism in the fields of retirement and financial planning. He offers experienced advice, guidance and wisdom with integrity and dedication while providing unparalleled service and support. He exceeds expectations while working with you before and during your many years of retirement. 2173 Salk Avenue, Suite 250 • Carlsbad, CA 92008 Office: 760-579-7676 • Cell: 561-789-6070 [email protected] gottliebwealthmanagement.com
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YEAR WINNER
Seven-year winner Jeremy D. Gottlieb, President and CEO
Jeremy Gottlieb is a registered representative with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Integrated Wealth Concepts (IWC), a registered investment advisor. IWC and Gottlieb Wealth Management are separate entities from LPL Financial. CA Insurance Lic. 0F89922. Wealth Manager Award Winner
Joseph White
CFP®, Sr. Vice President – Investments, Sr. Financial Advisor
Tailored Financial Strategies, Personal Service
∙ Retirement income planning ∙ IRA strategies
∙ Joseph White: Five Star Wealth Manager, 2016 – 2020
5
YEAR WINNER
Left to right: Daniel Brashear, Registered Client Associate; Five-year winner Joseph White, CFP®, Senior Vice President – Investments, Senior Financial Advisor
5500 Grossmont Center Drive • La Mesa, CA 91942 Phone: 619-461-4830 • [email protected]
As a financial advisor with Wells Fargo Advisors, I can deliver a full range of investment planning strategies tailored to your unique needs. Whether you are investing for retirement, education expenses or some other goal, I will help you make informed decisions about your investment strategy. You have access to additional resources available through affiliates, including trust and estate services, insurance products and much more. Investment Services and Products: NOT FDIC-Insured NO Bank Guarantee MAY Lose Value Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company. [CAR 1019-02327].
Wealth Manager Award Winner
The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. 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 client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. 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. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 2,018 San Diego-area wealth managers were considered for the award; 219 (11% of candidates) were named 2020 Five Star Wealth Managers. 2019: 1,885 considered, 224 winners; 2018: 1,498 considered, 228 winners; 2017: 1,349 considered, 349 winners; 2016: 1,337 considered, 349 winners; 2015: 1,639 considered, 350 winners; 2014: 1,838 considered, 368 winners; 2013: 1,675 considered, 417 winners; 2012: 1,014 considered, 284 winners.
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SPECIAL ADVERTISING SECTION
©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional WEALTH MANAGERS
Sage Stone Wealth Management, LLC
Ethics, Excellence and Engagement
∙ Harvard College economics graduates
∙ Utilizing investment discipline based on solid academic research
∙ Committed to ethical and socially responsible investing
5 YEAR
WINNER
Left to right: Five-year winner Mary King and Two-year winner Roy Michael Lopez II
Our passion is our clients.
We customize financial plans to achieve dreams in consideration of goals, time frames, risk tolerance and our adjusting economic outlook.
Our purpose is to practice and promote ethical, socially responsible investing. We customize portfolios to ensure our clients are not invested in industries that conflict with their ethical values, such as tobacco, gambling, pornography and weapons. We assist our clients with shareholder engagement and impact investing — such as community banking — with social benefits.
Sage Stone Wealth Management 7946 Ivanhoe Avenue, Suite 316 • La Jolla, CA 92037 Office: 858-412-6404 • [email protected] • sagestonewealth.com
Wealth Manager Award Winner
Dale A. Beed
Senior Vice President, Financial Advisor
2012 – 2015, 2017 and 2019 Five Star Wealth Manager
∙ Planning for the future
∙ Over three decades of financial experience
∙ Strategies for protecting and preserving principal and purchasing power ∙ Understanding clients’ goals and risk tolerance
My mission is to help my clients seek their unique investment objectives by taking the time to fully understand their needs. To accomplish this goal, I conduct comprehensive face-to-face interviews to gather pertinent information. We then carefully analyze the situation to determine what strategies are most appropriate.
1111 Prospect Street, Suite 200 • La Jolla, CA 92037 Phone: 858-729-5079 • [email protected] fa.morganstanley.com/dale.beed
7 YEAR
WINNER
Seven-year winner Dale Beed
©2020 Morgan Stanley Smith Barney LLC. Member SIPC. CRC2292414 10/18. CRC2790648 10/19.
Wealth Manager Award Winner
The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. 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 client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. 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. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 2,018 San Diego-area wealth managers were considered for the award; 219 (11% of candidates) were named 2020 Five Star Wealth Managers. 2019: 1,885 considered, 224 winners; 2018: 1,498 considered, 228 winners; 2017: 1,349 considered, 349 winners; 2016: 1,337 considered, 349 winners; 2015: 1,639 considered, 350 winners; 2014: 1,838 considered, 368 winners; 2013: 1,675 considered, 417 winners; 2012: 1,014 considered, 284 winners.
FS • 9
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SPECIAL ADVERTISING SECTION
©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional WEALTH MANAGERS
6
YEAR WINNER
Tom R. Gibbings
Cody Roulier
CFP®, CLU®
CMFC®, Financial Advisor
1545 Hotel Circle South, Suite 190 San Diego, CA 92108 Office: 619-501-7501, ext. 3023 [email protected] www.2020fa.com
1350 Columbia Street, Suite 601 San Diego, CA 92101 Cell: 619-892-0325 Office: 619-269-5014 [email protected] cody.wradvisors.com
Your Future Is Our Focus
A Personal Approach
Our priorities are: ∙ To provide simple alternatives to complex problems ∙ To help ensure financial security for you and your family
Applying my 34 years of experience, I design plans and strategies to help meet your specific financial objectives. I assist in implementing the appropriate plans to help achieve your goals for retirement income, family security and independence, plus helping to preserve the estate you spent your lifetime creating. Tom Gibbings is a Registered Representative and Investment Adviser Representative. Securities offered solely through Ameritas Investment Corp. (AIC), a registered Broker/Dealer, Member FINRA/SIPC. Investment advisory services offered solely through 20/20 Capital Management, Inc., a Registered Investment Advisor. AIC is not affiliated with 20/20 Financial Advisers of San Diego, LLC or 20/20 Capital Management, Inc. Additional products and services may be available through Tom Gibbings, 20/20 Financial Advisers of San Diego, LLC or 20/20 Capital Management, Inc. that are not offered through AIC.
My job as a financial advisor is to first understand you and your specific circumstances, and second, to use that knowledge to tailor a plan to help you meet your financial goals. A tailored plan goes beyond simply choosing investment products. It entails a deep knowledge and appreciation of your objectives, needs, long-term goals, time horizon, risk tolerance and — most importantly — your personal values. I work long term with my clients to develop a comprehensive financial plan and roadmap. I have a passion for helping my clients reach their financial objectives. I want my clients to make well-informed and smart decisions that will positively impact their unique financial objectives and values. Securities and Investment Advisory Services offered through Waddell & Reed, Inc., a Broker/Dealer, Member FINRA/SIPC and a Federally Registered Investment Advisor.
Wealth Manager Award Winner
Wealth Manager Award Winner
Danielle DeMarce Stanton
Murray Hougen
LPL Branch Manager, Registered Principal
Wealth Advisor, CFP®, ChFC®, MBA
8313 La Mesa Boulevard La Mesa, CA 91942 Office: 619-644-1277 [email protected] www.daniellestanton.net
9
YEAR WINNER
Pursuing Financial Independence by Working Together
Danielle specializes in creating a customized, personal financial strategy for each client. With her 27-plus years in the industry, she will help you pursue your financial goals. She offers all phases of financial planning services including insurance, estate planning strategies, benefits planning, retirement income planning and wealth accumulation strategies. “We have built a reputation for providing the highest level of personal service while working toward the needs and goals of our valued clients.” — Danielle DeMarce Stanton
11440 W Bernardo Court, Suite 208 San Diego, CA 92127 Office: 858-205-1299 [email protected] www.murrayhougen.com
2
YEAR WINNER
The Murray Hougen Group
We have a passion for our financial planning services and see it as a process that we can profoundly influence and change the trajectory of people’s lives. We are optimistic and encouraging by nature and love helping people who are interested in taking their lives to the next level. Our process begins with getting to know who you are and where you are going in your financial future. Our strategies are holistic and goal-oriented with the intent of helping you plan for now and later. We are proud of the relationships we have built over the years by tailoring plans to your needs.
Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.
Murray Hougen is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. The Murray Hougen Group and LPL Financial are separate entities. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AZ, CA, ID, IL, MA, MN, OR, VT, WI. CA Insurance Lic 0F02313.
Wealth Manager Award Winner
Wealth Manager Award Winner
The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. 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 client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. 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. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 2,018 San Diego-area wealth managers were considered for the award; 219 (11% of candidates) were named 2020 Five Star Wealth Managers. 2019: 1,885 considered, 224 winners; 2018: 1,498 considered, 228 winners; 2017: 1,349 considered, 349 winners; 2016: 1,337 considered, 349 winners; 2015: 1,639 considered, 350 winners; 2014: 1,838 considered, 368 winners; 2013: 1,675 considered, 417 winners; 2012: 1,014 considered, 284 winners.
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FS • 10
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SPECIAL ADVERTISING SECTION
©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional WEALTH MANAGERS
Sheryl Rowling
Brandon Linster
CPA, PFS, Principal
Vice President, Senior Financial Advisor
8889 Rio San Diego Drive, Suite 202 San Diego, CA 92108 Phone: 619-295-0200 Fax: 619-295-0210 [email protected] www.rowling.com
9
YEAR WINNER
Our Mission Benefits You
530 B Street, 24th Floor San Diego, CA 92101 Office: 619-230-4174 [email protected] www.unionbank.com
7
Let Us Help You Achieve Your Goals
YEAR WINNER
∙ Investments ∙ Asset allocation ∙ Strategic financial planning ∙ Wealth and portfolio management
∙ Tax-efficient investment management ∙ Comprehensive retirement planning ∙ Commission-free, fiduciary advice ∙ Integrated charitable giving and tax planning ∙ Sustainable investing option available
Guiding you down the path of reaching your life goals and aspirations is our No. 1 priority. You can sleep well at night knowing that we act out of fiduciary duty — the obligation to put your interests first.
Wealth can provide opportunities, but also create significant challenges. Successful people often fail to address the complexity of their wealth. I’ll work with you to create and implement a customized strategy to help you achieve your goals and dreams. UnionBanc Investment Services LLC is an SEC-registered broker-dealer, investment adviser, member FINRA/SIPC, and subsidiary of MUFG Union Bank, N.A.: NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
Wealth Manager Award Winner
Wealth Manager Award Winner
Norbert Frassa
William McBride IV
Vice President, Financial Advisor, Senior Portfolio Manager, CPM™, CFP®
Certified Portfolio Manager, Financial Planning Specialist, Financial Advisor
1111 Prospect Street, Suite 200 La Jolla, CA 92037 Direct: 858-729-5112 [email protected] advisor.morganstanley.com/Norbert.Frassa
8
5796 Armada Drive, Suite 200 Carlsbad, CA 92008 Phone: 760-602-3580 [email protected] advisor.morganstanley.com/ pacific-heritage-group
YEAR WINNER
In today’s fast-paced world, I strive to add simplicity and clarity to my clients’ financial matters so they can focus on what is important to them. I am grateful to have the trust of my clients in addition to the love and support of my family. 2013 – 2020 Five Star Wealth Manager award winner. 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. ©2020 Morgan Stanley Smith Barney LLC. Member SIPC. CRC2757110 10/19.
∙ Wealth consulting ∙ Business succession planning ∙ Estate planning strategies
Wealth Manager Award Winner
Bret A. Cleveland
John K. Lohrenz
CFP®, ADPA, Financial Advisor, NMLS 1296112
101 W Broadway, Suite 1800 San Diego, CA 92101 Direct: 619-238-3449 [email protected] fa.morganstanley.com/bret.cleveland
9
Bret Cleveland is a 2012 – 2020 Five Star Wealth Manager, CERTIFIED FINANCIAL PLANNER™ professional, first vice president and portfolio manager with 23 years of experience. He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience. 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. ©2020 Morgan Stanley Smith Barney LLC. Member SIPC. CRC2753161 10/19. Wealth Manager Award Winner
∙ Institutional services ∙ Retirement plans ∙ Cash management and lending solutions
2020 Five Star Wealth Manager. ©2020 Morgan Stanley Smith Barney LLC. Member SIPC. CRC 2824096 11/19.
Wealth Manager Award Winner
YEAR WINNER
∙ Planning for individuals with special needs ∙ Professional portfolio management
President
5
JKL Wealth Management/ LPL Financial, LLC
731 S Highway 101, Suite 2K Solana Beach, CA 92075 Phone: 858-535-1705 [email protected] www.jklwealth.com
YEAR WINNER
We develop and implement custom investment strategies that seek to provide dependable income for families’ retirement lifestyles. We serve families who are worried about losing their money and need someone they can trust for the long haul to provide confidence in their retirement.
John K. Lohrenz is a Registered Representative with and Securities and advisory services offered through LPL Financial. A Registered Financial Advisor. Member FINRA & SIPC. CA Insurance Lic 0B21440. Wealth Manager Award Winner
The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. 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 client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. 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. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 2,018 San Diego-area wealth managers were considered for the award; 219 (11% of candidates) were named 2020 Five Star Wealth Managers. 2019: 1,885 considered, 224 winners; 2018: 1,498 considered, 228 winners; 2017: 1,349 considered, 349 winners; 2016: 1,337 considered, 349 winners; 2015: 1,639 considered, 350 winners; 2014: 1,838 considered, 368 winners; 2013: 1,675 considered, 417 winners; 2012: 1,014 considered, 284 winners.
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SPECIAL ADVERTISING SECTION
©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional
Continued from FS-1
Wealth Managers
Tyler James Abney ∙ Tidemark Financial Partners Marie Accunzo ∙ Ameriprise Financial Services, Inc.
Joseph Steven Adamo ∙ Morgan Stanley Ali Hussain Alsari ∙ AWM Global Advisors Michael Allan Andreotti ∙ Wells Fargo Advisors
Mark Warren Andrews ∙ Andrews Capital Management, Inc.
Brent Boyle Armstrong ∙ Weatherly Asset Management J. S. Armstrong ∙ Wells Fargo Advisors
Gregory Raymond Banner ∙ Asset Preservation Strategies Matthew Clayton Barnhart ∙ MML Investors Services
David Vance Barse ∙ Manning Wealth Management
William Giles Beamer ∙ Dowling & Yahnke Ryan Lee Belmer ∙ UBS
Mark Aaron Benton ∙ Wells Fargo Advisors Jon Paul Beyrer ∙ Blankinship & Foster Shelley Lee Boyce ∙ Financial Planning Solutions, Inc.
Jeanne Ann Bradford-Odorico ∙ DB Wealth Management Group Eric Scott Bresnick ∙ Morgan Stanley
Philip Bresnick ∙ Morgan Stanley Frederick Vinup Brooks ∙ Blankinship & Foster
Robert Lorin Taylor Brower ∙ UBS Adam Tyler Brown ∙ Litton Financial
Arlyne Marie Brown ∙ Morgan Stanley Chad Thomas Brown ∙ RG Bar Investment Group
Edward John Buchan ∙ Ted Buchan & Company Julia Ellen Bussie ∙ JSB Capital Management Jose L. Cetale ∙ Wells Fargo Advisors
Jeff Anton Christie ∙ Lido Advisors, LLC
Charlie Otto Gillespie ∙ Litton Financial
Brian David Lucewicz ∙ Morgan Stanley
Richard James Radigan ∙ Wells Fargo Advisors
Gregory Andrew Syrios ∙ Wells Fargo Advisors
Mary Elizabeth Collins ∙ Wells Fargo Advisors
Scott Anthony Glasson ∙ Wells Fargo Advisors
Larry Keith Manuel ∙ Capital Accounts
Christopher Todd Rand ∙ Fides Wealth Strategies Group
Monica Szakos ∙ Asset Preservation Strategies
Kristian Daniel Colvin ∙ Emerson Equity LLC
Juan Carlos Gomez ∙ Prime Capital Equities
Eduardo Marek ∙ Morgan Stanley
John Martin Tanner ∙ Ameriprise Financial Services, Inc.
William Arnold Combs ∙ Park Avenue Securities
David Michael Harrison ∙ Wells Fargo Advisors
Gregory Rush Ratchuk ∙ Ratchuk Wealth Management/ LPL Financial
Adrian Padua Concepcion ∙ The Wealth Consulting Group
Philip Michael Harrison ∙ Ameriprise Financial Services, Inc.
Athena Ann Constant ∙ Ameriprise Financial Services, Inc.
Pamela Potter Matthews ∙ Ameriprise Financial Services, Inc.
Keith Fraser McKenzie ∙ Delphi Private Advisors
Gregory James Richardson ∙ Dowling & Yahnke
Chris Lee Rine ∙ Morgan Stanley
David Anthony McLenachen ∙ McLenachen Financial, Inc.
Matt Seth Rinkey ∙ Illumination Wealth
John Francis Howells ∙ AXA Advisors
Patrick John McNaughton ∙ McNaughton Wealth Management
Mark Edward Robbins ∙ Wells Fargo Advisors
Tamara Beatrice Huey ∙ Ameriprise Financial Services, Inc.
Stefan Meierhofer ∙ Telos Capital Management, Inc.
Craig Edward Hunter ∙ Wells Fargo Advisors
Elizabeth Messick ∙ Morgan Stanley
Chris Edward Jaccard ∙ Financial Alternatives
E. Scott Miller ∙ Wells Fargo Advisors
Gregory Jerome Jankowski ∙ Delphi Private Advisors
Franklin Charles Miller ∙ Wells Fargo Advisors
John Logan Jenkins ∙ Asset Preservation Strategies
Shari Diane Miller ∙ Symbio Financial Partners/LPL Financial
Derryck Lawton Jones ∙ Wells Fargo Advisors
Matthew C. Molstre ∙ Thrivent Financial
Teresa Ann Kakadelas ∙ Blankinship & Foster
Jerrilynn Curtis Myers ∙ Myers Financial Group
Dale Martin Doorly ∙ Morgan Stanley
Patrick Worrall Kearney ∙ Wells Fargo Advisors
Richard Edward Nerad ∙ Nerad Deppe Wealth Management
Brian Crane Elliott ∙ AIG Retirement Services, Inc.
Jeremy Landon Keating ∙ Capital Income Advisors
Kelly Michael Newell ∙ Newell Wealth Management
Jacob Thomas Erlendson ∙ Dowling & Yahnke
Peter Jonathan Keller ∙ Pure Financial Advisors
Bassam Farah ∙ Wells Fargo Advisors
Shane J. Kochon ∙ Ameriprise Financial Services, Inc.
Andrew Amir Norolahi ∙ Ameriprise Financial Services, Inc.
Brendan Morgan Farrelly ∙ MML Pacific Coast
David Vaughn Daubenspeck ∙ Cuso Financial Services Troy Brinckley Daum ∙ Wealth Analytics
Coley Baynes Davis ∙ CB Financial Insurance Services Rene Paul De Charon ∙ Wealth Quest Partners
Steve James Deppe ∙ Nerad Deppe Wealth Management Raymond Kent Dexter ∙ LPL Financial
Curt Joseph DiGiacomo ∙ Goal Line Wealth Management Michael Kevin Donohue ∙ DB Wealth Management Group
Paul Eliot Honeycutt ∙ Honeycutt, Smith & Associates
John Allen Rossitto ∙ LPL Financial
Timothy Akira Sagawa ∙ Gradient Capital Advisors, LLC
Donald N. Van Dyke ∙ MML Investors Services
Eric James Schindler ∙ LPL Financial
Carlos Alberto Vasquez ∙ Wells Fargo Advisors
Ivan Arthur Schleder ∙ Ameriprise Financial Services, Inc.
Jose Vicente Jr. ∙ Ameriprise Financial Services, Inc.
Stephen Douglass Schneider ∙ Schneider Financial Group of Wells Fargo Advisors
Jeff Frank Vistica ∙ Vistica Wealth Advisors
James Tanne Hill Schwager ∙ Ameriprise Financial Services, Inc.
Michael Dennis Shanahan ∙ Overland & Shanahan Wealth Advisors Jean Elizabeth Sinclair ∙ Avenue Advisors
Christine D. Skoczek ∙ Skoczek & Associates
Dax Richard Fletcher ∙ Morgan Stanley
Scott Galen Kyle ∙ Coastwise Capital Group
Jeffrey Parker Ott ∙ First Allied Securities Inc.
Drew Scott Slacum ∙ Morgan Stanley
Gregory James Flynn ∙ Wells Fargo Advisors
Jason Richard Labrum ∙ Intelligence Driven Advisors, LLC
Donald Ray Overbeck ∙ Wells Fargo Advisors
Amber Michelle Smith ∙ Wells Fargo Advisors
G. Bradley Douglas Owen ∙ EP Wealth Advisors
Morgan Holton Smith ∙ WorthPointe
Debra Marie Patterson ∙ AXA Advisors
William York Smith ∙ Wells Fargo Advisors
Douglas Thomas Peart ∙ Wells Fargo Advisors
Gary Alan Soble ∙ LPL Financial
Justin Carl Frisco ∙ Principal Securities
Babak Gahvari ∙ Canter Wealth Timothy Eugene Gardner ∙ Ameriprise Financial Services, Inc.
Christian Chasey ∙ LPL Financial
Jay Edward Gelbart ∙ Morgan Stanley
Kevin Danniel Christensen ∙ LPL Financial
Daniel George Gensler ∙ Gensler Group
Robert Tannehil Leuffen ∙ TIAA Brett David Levinson ∙ Stifel Nicolaus & Company
Mara Lauren Litman ∙ Morgan Stanley William Lee Litton II ∙ Litton Financial
Jeff S. Platt ∙ Platt Wealth Management
Gregory Todd Powers ∙ United Capital Stefan Prvanov ∙ Blankinship & Foster
Michael Thomas Puente ∙ Stifel Nicolaus & Company
Ronald William Thomas ∙ Morgan Stanley
Brendan William Van Cleve ∙ Lido Advisors LLC
Rodrigo Manuel Oliva ∙ Coast to Coast Wealth Management
Jean-Charles Fereydoun Le Bours ∙ Ameriprise Financial Services, Inc.
Shane Patrick Terry ∙ LPL Financial
Michael Thomas Rundlett ∙ LPL Financial
James Chandler Kuntz ∙ Pacific Wealth Management
Blake Cameron Foster ∙ Wells Fargo Advisors
Chad Allen Taylor ∙ UBS
Nancy Tuininga ∙ Prosperity Point Wealth Management
Bradley Reginald Sissons ∙ Edward Jones
Steven Eugene Lahre ∙ RBC Capital Markets
Carolyn Person Taylor ∙ Weatherly Asset Management
Julianna Rote ∙ Mission Wealth
Benjamin Aaron Nussbaum ∙ UBS
Gloria Dawn Foote ∙ Financial Focus LLC
Sam Robert Tapia ∙ Wells Fargo Advisors
Jodi Trabbic Vleck ∙ Beta Wealth Group
Kevin Andrew Ward ∙ Ward & Associates Adam Nathaniel Werner ∙ EP Wealth Advisors Nicholas Samuel Westendorf ∙ Morgan Stanley Keith Glen Willerman ∙ Eagle Strategies Barbara Jessup Williams ∙ Financial Focus LLC Robin Lennon Williams ∙ Morgan Stanley Susan Diane Williams ∙ Wells Fargo Advisors Brian Edward Wilverding ∙ Ameriprise Financial Services, Inc. Michael Jerome Zepeda ∙ Zepeda Financial Partners
Charles Larkin Stanley ∙ WorthPointe
Investment Professional
Joshua Albert Stipcich ∙ Tidemark Financial Partners
Stacy DenHerder ∙ DenHerder Grier & Associates
Janean Evon Stripe ∙ Lucia Capital Group
Scott Thorpe Sutherland ∙ Wells Fargo Advisors
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. The Chartered Financial Consultant credential [ChFC®] is a financial planning designation awarded by The American College. The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. 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 client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. 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. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 2,018 San Diego-area wealth managers were considered for the award; 219 (11% of candidates) were named 2020 Five Star Wealth Managers. 2019: 1,885 considered, 224 winners; 2018: 1,498 considered, 228 winners; 2017: 1,349 considered, 349 winners; 2016: 1,337 considered, 349 winners; 2015: 1,639 considered, 350 winners; 2014: 1,838 considered, 368 winners; 2013: 1,675 considered, 417 winners; 2012: 1,014 considered, 284 winners. This year, we honored 1 San Diego-area investment professional with the Five Star Investment Professional award.
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