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Richard Osman 2019 Baltimore Five Star Wealth Manager Flipbook PDF
Richard Osman 2019 Baltimore Five Star Wealth Manager
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Richard Osman 2019 FIVE STAR WEALTH MANAGER
Five Star Professional employed a rigorous research process to identify the Five Star Wealth Manager award winners in the Baltimore area. Award-winning professionals were carefully selected from among thousands of wealth managers for their knowledge, service and experience. Award winners represent an exclusive group of wealth managers who have demonstrated excellence in their field by satisfying 10 objective selection criteria. Award winner seen in
+ 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. 1,865 Baltimore area wealth managers were considered for the award; 265 (14 percent of candidates) were named 2019 Five Star Wealth Managers. 2018: 1,759 considered, 232 winners; 2017: 1,093 considered, 355 winners; 2016: 1,215 considered, 356 winners; 2015: 1,749 considered, 412 winners; 2014: 1,484 considered, 395 winners; 2013: 1,490 considered, 448 winners; 2012: 1,470 considered, 262 winners.
©2019 Five Star Professional
BALTIMORE
2019 FIVE STAR AWARD WINNERS A SELECT AWARD
Five Star Wealth Manager Criteria
These days, it takes a village to manage one’s 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 that suits your needs can be a daunting task. In fact, many consumers have a hard time figuring out where to even begin. Sometimes, a few simple questions can set one off on the right path. Asking a professional what makes working with him or her a unique experience can help you understand how they work and if their style meshes with your own. Furthermore, asking them to talk about any specialties they might have can help uncover skills you might find useful. 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 Baltimore magazine to spread word about award winners. Each award candidate undergoes a thorough research process (detailed below) before being considered for the final list of award winners.
Determination of Award Winners Award candidates who satisfied 10 objective eligibility and evaluation criteria were named 2019 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 nondiscretionary client assets administered. 9. Number of client households served. 10. Education and professional designations. 1,865 award candidates in the Baltimore area were considered for the Five Star Wealth Manager award. 265 (approximately 14 percent of the award candidates) were named 2019 Five Star Wealth Managers.
For the complete list of winners, go to www.fivestarprofessional.com.
RESEARCH DISCLOSURES 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. Baltimore 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. • Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. • 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 Baltimore magazine. • Working with a Five Star Wealth Manager, Five Star Investment Professional or any professional is no 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.
©2019 Five Star Professional
Five Star Investment Professional Criteria
Determination of Award Winners 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. Oneyear 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 three Baltimorearea investment professionals with the Five Star Investment Professional award.
2019 FIVE STAR WEALTH MANAGER Richard Osman CFP®, CLU®, ChFC®, CASL®
529 Benfield Road, Suite 250 Severna Park, MD 21146 Phone: 410-647-6762 [email protected] richardosman.com
7
2012 – 2017 and 2019 Five Star Wealth Manager
YEAR WINNER
∙ CERTIFIED FINANCIAL PLANNER™ professional ∙ Chartered Life Underwriter®
∙ Chartered Financial Consultant® ∙ Chartered Advisor for Senior Living®
As an experienced CERTIFIED FINANCIAL PLANNER™ practitioner of over 20 years, I believe it takes diligence, research and careful consideration to help you pursue the retirement you deserve. I can provide clarity along with strategies and solutions to help address your needs, lifestyle and goals. I will provide you with a customized plan that is simple to understand and I will work with you to ensure that it is implemented properly. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Integrated Wealth Concepts, a registered investment advisor. Integrated Financial Partners and Integrated Wealth Concepts are separate entities from LPL Financial. Wealth Manager Award Winner
Award winner seen in
+ 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. 1,865 Baltimore area wealth managers were considered for the award; 265 (14 percent of candidates) were named 2019 Five Star Wealth Managers. 2018: 1,759 considered, 232 winners; 2017: 1,093 considered, 355 winners; 2016: 1,215 considered, 356 winners; 2015: 1,749 considered, 412 winners; 2014: 1,484 considered, 395 winners; 2013: 1,490 considered, 448 winners; 2012: 1,470 considered, 262 winners.
©2019 Five Star Professional
2900 Lone Oak Parkway, Suite 120 Eagan, MN 55121 Toll-free: 800-438-5782 www.fivestarprofessional.com facebook.com/FiveStarProfessional twitter.com/FiveStarPros
©2019 Five Star Professional