Plan For The Unexpected

• 30 + years Financial Industry Experience
• Portfolio Strategist & Technical Analyst
• Chartered Retirement Plan Counselor (CRPC^®)
• Accredited Domestic Partnership Advisor (ADPA^®)
• Five Star Wealth Manager (2012-2022)^*

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<sub>*2022 Five Star Wealth Manager (years 2012 to 2022)

The Five Star Wealth Manager award was issued on 10/1/22 by Five Star Professional (FSP) for the time period 01/31/2022 through 08/12/2022. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award 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 FSP, 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 FSP’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP’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. FSP does not evaluate quality of services provided to clients. The 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 FSP 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 FSP in the future. 603 Sarasota-area wealth managers were considered for the award; 67 (11% of candidates) were named 2022 Five Star Wealth Managers. Visit www.fivestarprofessional.com. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria.
2021 - 613 Sarasota-area wealth managers were considered for the award; 51 (8% of candidates) were named Five Star Wealth Managers. 2020 - 579 Sarasota-area wealth managers were considered for the award, 49 (10% of candidates) were named Five Star Wealth Managers; 2019 - 602 Sarasota-area wealth managers were considered for the award; 60 (10% of candidates) were named Five Star Wealth Managers.  2018 - 626 Sarasota-area wealth managers were considered for the award; 52 (8% of candidates) were named Five Star Wealth Managers. 2017 - 434 Sarasota-area wealth managers were considered for the award; 40 (10% of candidates) were named Five Star Wealth Managers.  2016 - 464 Sarasota-area wealth managers were considered for the award; 96 (21% of candidates) were named Five Star Wealth Managers.  2015 - 602 Sarasota-area wealth managers were considered for the award; 112 (19% of candidates) were named Five Star Wealth Managers.  2014 - 849 Sarasota-area wealth managers were considered for the award; 146 (17% of candidates) were named Five Star Wealth Managers.  2013 - 652 Sarasota-area wealth managers were considered for the award; 141 (22% of candidates) were named Five Star Wealth Managers.  2012 - 530 Sarasota-area wealth managers were considered for the award; 149 (28% of candidates) were named Five Star Wealth Managers.</sub>

• MANAGEMENT OF RISK
• DESIGNING FINANCIAL DIVORCE INVESTMENT STRATEGIES
• GUIDING CLIENTS ON FINANCIAL MANAGEMENT DURING DIFFICULT TRANSITION PERIODS
• EDUCATING CLIENTS ON FINANCIAL ADVANTAGES AND DISADVANTAGES OF EITHER RETAINING OR GIVING UP CERTAIN ASSETS

• 36+ years Financial Industry Experience
• Portfolio Strategist & Technical Analyst
• Certified Financial Planner (CFP^®)
• 5-Star Wealth Manager (2012-2022)^*
• B.S., Florida Southern College

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_{*The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (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*); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients; 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 awarded. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The award methodology does not evaluate the quality of services provided and is not indicative of the winner’s future performance. For 2021, 613 Sarasota-area wealth managers were considered for the award; 51 (8% of candidates) were named Five Star Wealth Managers. *To qualify as having a favorable regulatory and complaint history, the person cannot have: 1. been subject to a regulatory action that resulted in a suspended or revoked license, or payment of a fine, 2. had more than three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professional’s consumer complaint process, 3. individually contributed to a financial settlement of a customer complaint filed with a regulatory authority, 4. filed for bankruptcy, or 5. been convicted of a felony. 2020 - 579 Sarasota-area wealth managers were considered for the award, 49 (10% of candidates) were named Five Star Wealth Managers; 2019 - 602 Sarasota-area wealth managers were considered for the award; 60 (10% of candidates) were named Five Star Wealth Managers. 2018 - 626 Sarasota-area wealth managers were considered for the award; 52 (8% of candidates) were named Five Star Wealth Managers. 2017 - 434 Sarasota-area wealth managers were considered for the award; 40 (10% of candidates) were named Five Star Wealth Managers. 2016 - 464 Sarasota-area wealth managers were considered for the award; 96 (21% of candidates) were named Five Star Wealth Managers. 2015 - 602 Sarasota-area wealth managers were considered for the award; 112 (19% of candidates) were named Five Star Wealth Managers. 2014 - 849 Sarasota-area wealth managers were considered for the award; 146 (17% of candidates) were named Five Star Wealth Managers. 2013 - 652 Sarasota-area wealth managers were considered for the award; 141 (22% of candidates) were named Five Star Wealth Managers. 2012 - 530 Sarasota-area wealth managers were considered for the award; 149 (28% of candidates) were named Five Star Wealth Managers.}