Five Star Wealth Managers - Five Star Professional

Five Star Wealth Managers - Five Star Professional

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Five Star Wealth Managers

In a consumer study about dynamics between wealth managers and their clients, Five Star Professional polled wealth managers and consumers about communications. Both groups said that connecting three to four times a year is the right communications strategy, but expectations are not aligned in all areas: • 2 9 percent of consumers want to be contacted by their wealth manager whenever events require an update; only 7 percent of wealth managers say they contact clients based on the impact of events.

• 63 percent of consumers say they receive the right amount of communication from their wealth manager.

advisors, tax advisors and estate planning attorneys.

How do you find a wealth manager with experience, who has a good base of clients with high retention rates, and who has undergone a regulatory and complaint review? And when you find them, are they accepting new clients?

Los Angeles magazine and Five Star Professional partnered to find wealth managers who satisfy 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services to their clients. Among many distinguishing attributes, the average one-year client retention rate for this year’s award winners is more than 93 percent.

From research conducted by Five Star Professional, April 2011.

Wealth managers, broadly defined, are those individuals who help you manage your financial world and/or implement aspects of your financial strategies. Common examples of wealth managers are financial advisors, financial planners, investment

Don’t listen to other people. Investigate for yourself. Be wary of advisers who say they never had a down year.” — Five Star Wealth Manager

A Select Award

The resulting list of 2012 Five Star Wealth Managers is a select group, representing less than 1 percent of the wealth managers in the Los Angeles area.(1)

Although this list is a useful tool for anyone looking for help in managing their financial world or implementing aspects of their financial strategies, it should not be considered exhaustive. Undoubtedly, there are many excellent wealth managers who, for one reason or another, are not on this year’s list.

Award

In order to consider a broad population of high-quality wealth managers, award candidates are identified by one of three sources: firm nomination, peer nomination or pre-qualification based on industry standing. Self-nominations are not accepted. Los Angeles award candidates were identified using internal and external research data, including a survey to more than 3,000 registered financial services professionals and all identified financial service companies in the area that are registered with FINRA or the SEC.

Candidates

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2012 Five Star Wealth Managers

2012 Los Angeles

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Determination

2012 Five Star Wealth Managers

Of Award Winners

Award candidates who satisfied 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services were named 2012 Five Star Wealth Managers.(2)

Eligibility Criteria – Required(3)

2012

1. Credentialed as an investment advisory representative (IAR), a FINRA-registered representative, a CPA or a licensed attorney. 2. Actively employed as a credentialed professional in the financial services industry for a minimum of five years. 3. Favorable regulatory and complaint history review.(4) 4. Fulfilled their firm review based on internal firm standards. 5. Accepting new clients. Evaluation Criteria – Considered(3)

6. One-year client retention rate (the average one-year client retention rate of this year’s award winners is more than 93 percent).

The Five Star award goes to less than 7 percent of wealth managers.

7. Five-year client retention rate.

8. Non-institutional discretionary and/or non-discretionary client assets administered (this year’s award winners administer an average of $128 million in client assets).

9. Number of client households served (on average, this year’s award winners serve 195 households). 10. Education and professional designations.

Research Disclosures

• W  ealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers.

• T  he Five Star award is not indicative of the wealth manager’s future performance. • Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets.

• The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or Los Angeles magazine. • 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.

• Five Star Professional is not an advisory firm, and the content of this article should not be considered financial advice. For more information on the Five Star award and the research/ selection methodology, go to www.fivestarprofessional.com.

• (1) 1,019 award candidates in the Los Angeles area were considered for the Five Star Wealth Manager award. 176 (approximately 17 percent of the award candidates) were named 2012 Five Star Wealth Managers. The 176 award winners represent less than 1 percent of the total wealth managers in the area.

(2) (3) (4)

Wealth managers were required to certify that any information they provided was accurate. Criteria 4, 8 and 9 do not apply to attorneys or CPAs. As defined by Five Star Professional, the wealth manager has not: • Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine. • Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professional’s consumer complaint process. • Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority. • Filed for personal bankruptcy. • Been convicted of a felony.

Insights from Five Star Wealth Managers Wishful thinking is not planning. If you plan for the worst, you will never be unpleasantly surprised.”

Clients don’t care how much you know until they know how much you care.”

Only invest in something that you understand.”

What matters most is how you recover from setbacks.”

Five Star Professional conducts a regulatory review of each nominated wealth manager using the Investment Adviser Public Disclosure (IAPD) website. Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists. Data submitted through these processes was applied per the above criteria:

• Each wealth manager who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history, based upon the criteria listed above. • Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a wealth manager. • Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use the services of wealth managers in order to provide consumers the opportunity to submit complaints regarding a wealth manager. More than 50,500 households in the Los Angeles area were contacted.

The Five Star Wealth Manager selection criteria was updated for the 2012 award year. 2005 – 2011 Five Star Wealth Managers scored highest in overall satisfaction based on feedback from clients, peers and industry experts. No more than 7 percent of wealth managers receive the award each year. The selection process for the 2005 – 2011 award winners can be found at www.fivestarprofessional.com/2011/wealth_managers_research_overview.php.

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Estate Planning

Elizabeth Bawden · Larson & Bawden Robert DeMeter · Clark & Trevithick

Debra Graynom-Daly · Law Offices of Debra Graynom-Daly Steven Guise · Munger Tolles & Olson

Samuel Ledwitz · Bezaire Ledwitz & Borncamp Page 12 Jeffrey Loeb · Loeb & Loeb

Charles W. Mason · Charles W. Mason & Associates Martin Neumann · Weinstock Manion Reisman Shore & Neumann

Gloria Pitzer · Palermo Barbaro Chinen & Pitzer Rebecca Schroff · Moore Bryan & Schroff Spencer Walch · Walch & Walch

Michael Whalen · Davis & Whalen

Financial Planning

Mike Alves · Merrill Lynch

Richard Azouz · Summit Brokerage Services David Bergmann · The David R. Bergmann Group Dean Billman · Morgan Stanley Smith Barney Page 10 Dayla Cabeza de Vaca · MassMutual Patrick Calderigi · Patrick Calderigi Jennifer Capo · TIAA-CREF

Lee Dover · Ameriprise Financial Services, Inc.

Gail Reid · Ameriprise Financial Services, Inc. Page 13

Norman Dupon · Dupon Financial Group

Brent Rodgers · TD Ameritrade

Dale Eichman · Financial Network Investment Corporation

Gail Roque · Ameriprise Financial Services, Inc.

Q. Brad Fenn-Anstruther · Morgan Stanley Smith Barney

Mark Rothstein · Tri-Star Income Tax and Financial Services

Daniel Fienberg · Merrill Lynch

Theodore Saade · Signature Estate & Investment Advisors Page 7

Richard Frankel · Morgan Stanley Smith Barney

Christine Fuentes · Ameriprise Financial Services, Inc. Page 13 Roshan Ghaznavi · Merrill Lynch

Alan Goldman · Goldman & Knell

Adam Goldstein · Ameriprise Financial Services, Inc. Page 11 Sean Heslin · TIAA-CREF

Dave Hindler · Heller Capital Resources Brian Holmes · Signature Estate & Investment Advisors Page 7

Spencer Kelly · Regatta Capital Group Jennifer Kim · Signature Estate & Investment Advisors Page 7

Curt Kurtz · Ameriprise Financial Services, Inc. Michael Ladge · Morgan Stanley Smith Barney

Christopher Laubach · Ameriprise Financial Services, Inc.

Preston Caves · Caves & Associates

Colin Mackenzie · Financial Network Investment Corporation

Eddie Chan · Ameriprise Financial Services, Inc.

Brent Mason · Charles W. Mason & Associates

Bradley Chapman · Ameriprise Financial Services, Inc.

Alfred McIntosh · McIntosh Capital Advisors Page 13

Carolanne Chavanne · LPL Financial

Robert Miller · Morgan Stanley Smith Barney

George Cheng · Ameriprise Financial Services, Inc.

Jon Neuhaus · Morgan Stanley Smith Barney

James Christiansen · Ameriprise Financial Services, Inc. Carol Cory · Surety Investment Services Robert Curtiss · Crowell Weedon & Company

Angela Dax · Ameriprise Financial Services, Inc. David DeWolf · Quantum Wealth Management John DiCaccio · Merrill Lynch

Charles Salfity · Charles Salfity

Peter Smaldino · Merrill Lynch

Scott Sommers · First Financial Consulting

Jason Stone · Ameriprise Financial Services, Inc. Paul Taghibagi · SEIA

Page 7

Jeffrey Taylor · Ameriprise Financial Services, Inc. Page 12

George Thompson · Thompson Wealth Management Scott Uffelman · Morgan Stanley Smith Barney Anthony Valazza · Thrivent Financial

Michael Yauch · Morgan Stanley Smith Barney Allen Yee · Guidant Planning

Page 13

Reza Zamani · Morgan Stanley Smith Barney

Mark Zonno · Ameriprise Financial Services, Inc.

Insurance

Harris Kagan · New York Life

Investments

Kenneth Alter · Morgan Stanley Smith Barney Marc Anderson · Marc E. Anderson

Timothy Anderson · Halbert Hargrove

Robert Nieto · Financial Partners Wealth Management

Michael Anton · Ameriprise Financial Services, Inc.

Rene Nourse · Morgan Stanley Smith Barney Page 13

Robert Baraga · Charles Schwab Marc Berman · Merrill Lynch

John Petrick · Perennial Financial Services

Jorey Bernstein · Morgan Stanley Smith Barney Page 10

Ronald Porter · Thrivent Financial Page 13 Carmen Portnoy · Merrill Lynch

Andrew Price · Morgan Stanley Smith Barney

Ritt Berry · Wells Fargo Advisors, LLC Page 5 Curt Biren · Kayne Anderson Rudnick Investment Management

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2012 Five Star Wealth Managers

Five Star Wealth Managers. Award winners listed by primary services and listed alphabetically by last name.

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2012 Five Star Wealth Managers

Five Star Wealth Managers. Award winners listed by primary services and listed alphabetically by last name.

Frank Brady · Southwest Securities Page 11 Leonard Brisco, Jr. · Merrill Lynch

Clint Camua · EP Wealth Advisors

Sean Casey · Crowell Weedon & Company

Michael Kramer · Wells Fargo Advisors, LLC Gregory Kushner · Lido Advisors

Benjamin Lee · Wells Fargo Advisors, LLC Christine Lee · Charles Schwab

Christina Chanpong · Merrill Lynch

Ronald Levenson · LPL Financial Page 13

Craig Chiate · Merrill Lynch

Brad Levin · Legacy Wealth Partners

Roger Conde · Pacific Retirement Advisors Page 13

Gary Liska · Signature Estate & Investment Advisors Page 7

Rosanne Costello · Charles Schwab

Cordelia Lo · Citi Personal Wealth Management Page 9

Peter Damascus · Merrill Lynch

Carl Davis · Ameriprise Financial Services, Inc. Page 11

Raffe Deirmenjian · Wells Fargo Advisors, LLC Page 11 Vince DiLeva · Signature Estate & Investment Advisors Page 7 Patrick Egan · Coordinated Wealth Management

Chris Luechtefeld · Morgan Stanley Smith Barney

Richard Luechtefeld · Morgan Stanley Smith Barney Bruce Mandel · Oakwood Capital Management

James Mayorkas · Wells Fargo Advisors, LLC James McCabe · Wells Fargo Advisors, LLC

Maziar Esmailbeigi · Morgan Stanley Smith Barney

Alan McQueen · Crowell Weedon & Company

Jose Fernandez · Citigold International

Mark Minichiello · Quincy Cass Associates

Rhonda Finby · Wells Fargo Advisors, LLC

Russell Mohberg · Regatta Capital Group

Robert Floe · Floe Financial Partners

Richard Moran · Moran Kimura & Heising

Gary Frazeur · Southwest Securities

Jeffrey Moscaret · Moscaret Investment Advisory

Greg Garabedian · Garabedian Wealth Management Group Steve Gonzalez · Edward Jones Robert Greene · LPL Financial

Jennifer Hartman · Greenleaf Financial Group

Jeramy Heath · Morgan Stanley Smith Barney Page 9 Paul Heising · Moran Kimura & Heising

David Hennon · Wells Fargo Advisors, LLC

David Horvitz · Cheviot Value Management

Eric Johnson · Morgan Stanley Smith Barney Ari Kalan · Morgan Stanley Smith Barney Clyde Kendzierski · Financial Solutions Group Sean Kennally · Morgan Stanley Smith Barney Marianne Kolb · Merrill Lynch

Nicole Ryan · Financial Network Investment Corporation Eric Selter · Morton Capital Management Alan Solursh · JP Morgan Securities

Anthony Stella · Morgan Stanley Smith Barney Page 10 Christine Stern · LPL Financial

Jennifer Stewart · Morgan Stanley Smith Barney Mark Sudol · The Sudol Group - Wealth Management Specialists Joseph Sulentor · Morgan Stanley Smith Barney

Roger Szendrey · Union Banc Investment Services

Benjamin Tadelis · Morgan Stanley Smith Barney Marcus Tanimoto · Merrill Lynch

Ashana Thorman · Wescom Financial Services

Mark Thornburg · Wells Fargo Advisors, LLC Freeman Welch · Wells Fargo Advisors, LLC Brian Werdesheim · Oppenheimer & Company

Alan Whitman · Morgan Stanley Smith Barney

Paul Okawa · Planned Asset Management

Michael Wilhite · Morgan Stanley Smith Barney

Roger Park · Ameriprise Financial Services, Inc.

James Zeutzius · Wells Fargo Advisors, LLC Page 8

David Penn · Southwest Securities Page 12

Taxation

Mark Pomerantz · Morgan Stanley Smith Barney

Michael Allmon · Michael B. Allmon & Associates

Caleb “Spuds” Powell · Kayne Anderson Rudnick Wealth Management

Randi Bach · Randi Bach, CPA Lynell Chun · RBZ

Eric Pritz · SEIA

Yolanda Collins · Yolanda Collins, CPA

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Page 13

Page 6

Larry Prutch · Merrill Lynch

Yoram Dor · Dor Freedman Dor & Dow

Simon Rawlinson · Simon Rawlinson

Robert Gourley · R.D. Gourley

Tony Reed · Millennium Investment Services Page 12

Sheila Morris · Sheila I. Morris, CPA

John Reitnouer · Crowell Weedon & Company

David Small · Kelly & Small, CPAs

Rob Royal · RBC Wealth Management

M. Debra Reno · M. Debra Reno, CPA Troy Yoshida · Troy Yoshida, CPA

Patrick Russo · Wells Fargo Advisors, LLC

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and the federally registered CFP (with flame logo) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. The Chartered Financial Consultant credential [ChFC ®] is a financial planning designation awarded by The American College. FS 4 – Five Star award information: fivestarprofessional.com

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Helping Preserve Wealth One Client at a Time.

• MBA

• Strategies for preservation of capital; tax and risk management

• Municipal, government, corporate and foreign bonds Designation: CA Insurance Agent Title: Managing Director – Investment Officer

“The Bond Man”

Left to right: Robert Cruz, Gina Galang and Fenja Keller

Mr. Berry specializes in bonds in the Century City branch office of Wells Fargo Advisors, LLC. He is a nearly four-decade veteran of the securities brokerage industry. Mr. Berry is a member of the Chairman’s Circle,* Platinum Level and has been included in the 27th position among Barron’s magazine Top 1,000 Advisors for 2009.** The Berry Financial Strategies Group provides multiple services and emphasizes capital preservation and conservative bond investments.

Five Star award winner Ritt Berry

1999 Avenue of the Stars, 22nd Floor • Century City, CA 90067 Office: (310) 843-3434 • Toll-free: (800) 423-4295 [email protected] • www.berryfinancial.wfadv.com

Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR1211-2059B 12/12]. *A production-based distinction held by a select group of Financial Advisors within the firm and reflects a superior level of professional achievement. **The number of advisors shown for each state is based on the total population of the state, so larger states have larger listings. The rankings reflect assets under management, revenues, quality of the advisors’ practices and other factors. Total assets are all assets overseen by the advisor’s team, including some that are held at other institutions. Assets managed for institutions are given less weight in the scoring. Portfolio performance is not a criterion, because most advisors do not have audited track records. Criteria was based on more than 3,000 filtered nominations from more than 100 investment, insurance, banking and other related independent financial service firms.

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2012 Five Star Wealth Managers

Richard A. “Ritt” Berry

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We Help You Preserve the Wealth You Spent a Lifetime Building

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2012 Five Star Wealth Managers

RBZ, LLP Family Wealth Group

Areas of Focus: Strategic Advice, Wealth Preservation, Tax and Succession Planning

Left to right: Alin Wall, two-year winner Lynell Chun, Mark Baumohl

• Sensitivity to our clients’ unique set of personal and financial goals • Expertise to help preserve your wealth for generations to come • Anticipating your needs to minimize taxes and administrative costs

Designation: Certified Public Accountants

Preserving family wealth requires a comprehensive understanding of a variety of tax, financial and legal issues, along with a special sensitivity to family relationships. RBZ’s Family Wealth Group provides the strategic and personalized advice you need to successfully enjoy, protect, and pass on your wealth for the benefit of the people you love and the work you cherish. RBZ has been providing family wealth services for more than 36 years and continues to be at the forefront of implementing new family wealth tools, tactics, strategies and techniques.

11755 Wilshire Boulevard, 9th Floor • Los Angeles, CA 90025 Office: (310) 478-4148 [email protected][email protected][email protected] • www.rbz.com

Compliance statement: © 2012 RBZ, LLP. RBZ, LLP is a Los Angeles-based public accounting firm that has served businesses and individuals in the areas of tax, accounting and auditing, and business consulting since 1975. For more information, visit www.rbz.com.

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There Are No Sure Directions to Wealth, Only Sure Guides

Areas of Focus: Investment Management, Retirement and Estate Planning

Left to right: Two-year winners Paul Taghibagi, Gary K. Liska, 2012 winner Jennifer Kim, two-year winners Brian D. Holmes and Eric C. Pritz, 2012 winners Theodore E. Saadé and Vince A. DiLeva

• Private client and wealth management services • Philanthropic and family foundation planning • More than $2.2 billion in assets under management as of October 31, 2011

Signature Estate & Investment Advisors, LLC® (SEIA) is a Registered Investment Advisory firm offering wealth management and investment supervisory services tailored to meet the unique needs of affluent individuals and corporations. The mission of Signature Estate & Investment Advisors is to

provide clients with a partnership that compliments and exceeds their long-term goals and objectives. Based in Los Angeles, the firm was founded in 1997 by a team of four financial professionals. Today, there are five offices throughout California and Virginia.

2121 Avenue of the Stars, Suite 1600 • Los Angeles, CA 90067 Office: (310) 712-2323 [email protected] • www.SEIA.com

Registered Representative/Securities Offered through Signator Investors, Inc., Member FINRA, SIPC, 2121 Ave. of the Stars, Suite 1600, Los Angeles, CA 90067, (310)712-2323. SEIA, LLC and its investment advisory services are offered independent of Signator Investors, Inc. and any subsidiaries or affiliates. BDH #0657377. GKL #0B39385. PT #0798553. VAD #0B84300. TES #0B63654. JK #0B11807. ECP #0E55966.

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2012 Five Star Wealth Managers

Signature Estate & Investment Advisors

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2012 Five Star Wealth Managers

James Zeutzius

Our Philosophy: It’s About More Than Just Your Portfolio

Areas of Focus: Wealth Management Services

Left to right: Seated: David Sosa, Jennifer Burton Standing: Charlie Hutchinson and Five Star award winner Jim Zeutzius

• We begin with the best end in mind • We help clients define their goals and create a plan to reach them • We seek to provide a level of service unmatched elsewhere

Jim Zeutzius, Managing Director – Investments; Charlie Hutchinson, Vice President – Investments; David Sosa, Assistant Vice President – Investments; Jennifer Burton, Sr. Registered Client Associate Our aim is to make a positive difference in the lives of our clients and their families. It’s all about you — what is the vision for your ideal life, your “big picture,” and how can we help you get there? If you’re not clear about your destination, it’s probably time to get a handle on your plans and dreams for the future. Investing just to make money is not enough. We

take time to work with you and develop a tailored strategic plan that supports your vision and then help you to implement that plan. Money is as money does.

If you’d like a second opinion or to talk further about our process, we look forward to helping you.

Zeutzius Wealth Management Group of Wells Fargo Advisors 10900 Wilshire Boulevard, 11th Floor • Los Angeles, CA 90024 Office: (310) 443-2557 • Toll-free: (877) 698-3123 [email protected] • www.Zeutzius.wfadv.com

Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 1111-4781 12/11].

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Preserve and Protect Your Wealth

• 25 years of combined wealth mgmt. experience

• Comprehensive wealth management specializing in risk management • Highly personalized, concierge-level service

Left to right: Lurdes Yepez, Bernard Reina and Five Star award winner Cordelia Lo

Areas of Focus: Income Planning and Wealth Transfer Titles/Designations: Financial Advisor, Accredited Investment Fiduciary®

As a member of the Premier Capital Group at Citi Personal Wealth Management, Cordelia Lo is committed to building long-term client relationships by delivering excellent customer service. Cordelia and her team believe that most successful wealth management strategies look at the big picture, and they endeavor to establish a deep and valued relationship with their clients to truly define their needs. Through their comprehensive approach, they work with clients to develop tailored plans to assist them in creating incoming cash flow, wealth preservation and transfer of wealth for themselves and future generations.

Citi Personal Wealth Management 8800 South Sepulveda Boulevard Los Angeles, CA 90045 Phone: (310) 641-6943 [email protected]

INVESTMENT PRODUCTS: NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE Citi Personal Wealth Management, a business of Citigroup; investments through Citigroup Global Markets Inc., member SIPC.

The South Bay Group at Morgan Stanley Smith Barney

• Retirement income • Trust income

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• Families with special needs

Left to right: Two-year winner Jeramy Heath, Nancy Guaderrama, Stephen Betz

Jeramy Heath – Financial Advisor Stephen Betz – Financial Advisor Nancy Guaderrama – Senior Registered Associate

We provide customized solutions for our clients' income needs. Whether you need income now, in the future or for multiple generations, please contact us.

21250 Hawthorne Boulevard, Suite 650 Torrance, CA 90503 Direct: (310) 543-0287 • Toll-free: (800) 540-9511, Ext. 287 [email protected] fa.smithbarney.com/southbaygroup

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

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2012 Five Star Wealth Managers

Cordelia Lo, Member of the Premier Capital Group at Citi Personal Wealth Management

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2012 Five Star Wealth Managers

The Stella & Stella Group at Morgan Stanley Smith Barney Dedicated to Meeting Your Goals

• Experienced and knowledgeable • Committed to client service

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• Advice aligned with client values

Titles: Anthony Stella, Senior Vice President, Financial Advisor; Quentin Stella, Financial Advisor; Jennifer Bruehl, Senior Registered Client Service Associate

Left to right: Jennifer Bruehl and two-year winner Anthony R. Stella; Back row: Quentin R. Stella

The Stella & Stella Group at Morgan Stanley Smith Barney focuses on addressing the fiduciary responsibilities, support and investment needs of institutional investors and the private wealth management of high-net-worth individuals. This group of experienced professionals at Morgan Stanley Smith Barney provides our clients with investment excellence, leadership and a living wealth management plan, helping them build and protect their wealth and financial security. Anthony R. Stella has been a Five Star Professional since 2011.

21650 Oxnard Street, Suite 2300 Woodland Hills, CA 91367

Office: (818) 713-4095 • Toll-free: (800) 755-2550

[email protected] morganstanleyindividual.com/stellaandstellagroup

Jorey Bernstein

Dean A. Billman

2121 Ave. of the Stars Los Angeles, CA 90067 Direct: (310) 551-9479 [email protected]

301 N Lake Ave. Pasadena, CA 91101-4107 Direct: (626) 304-2450 Toll-free: (800) 362-6992 [email protected]

Senior Vice President

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© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

www.fa.smithbarney.com/dean_billman

Mission Focused, Model Driven

• Comprehensive wealth management • Corporate executive services • Customized investment strategies

• A definable process, developed over the years • Lifestyle income management focused • Civic and community minded

Titles: Senior Vice President, Financial Advisor, Portfolio Manager

Titles: First Vice President – Wealth Management, Financial Advisor Education: Master of Business Administration

Jorey is dedicated to providing clients with the finest individually tailored approach to investing and risk management. Drawing on his 20 years of industry experience and Morgan Stanley Smith Barney’s global resources, he develops personalized, strategic solutions to address the complex needs of his clients. Jorey graduated from Johns Hopkins University and is a member of MENSA. © 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

My strategy emphasizes a balance between risk and return, and incorporates liquidity while seeking to provide a steady stream of income throughout a client's life. This process bridges the longevity gap and allows a more comfortable retirement that focuses on the needs of tomorrow without sacrificing the needs of today. I employ a Four Quadrant Strategy. This planning process takes into consideration liquidity needs and is designed to provide a steady stream of income. © 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

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8350 Wilshire Blvd. Beverly Hills, CA 90211 Toll-free: (800) 765-2200 Direct: (323) 658-4400 [email protected] www.swst.com

10880 Wilshire Blvd., Ste. 1000 Los Angeles, CA 90024 Direct: (310) 954-2566 Cell: (310) 487-2998 [email protected]

Guiding Your Retirement Pathway

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Carl H. Davis

www.ameripriseadvisors.com/carl.h.davis

Personal, Professional Caring Advice

• Experience, integrity, dedication • Risk management and preservation strategies • Income investments and equity solutions

• Five Star Wealth Manager 2011-2012 • 35-year industry professional

Titles: Senior Vice President, Financial Advisor

Titles: Branch Manager, Vice President Designation: CIMA®

I am honored to receive the Five Star award. As a Senior Vice President with over a decade of experience, my focus is on fixed income investments, equity solutions and retirement planning. My hallmark is providing revenue streams to retirees, defensive investment positioning and income-oriented investments. My commitment to honesty and integrity are the core principles in which I operate, resulting in lasting client relationships. Southwest Securities Inc., Member: NYSE/FINRA/SIPC, Insurance License No. 0B67335.

I am passionate about working with clients to help them meet their financial needs and plan for the future. I will look at your entire financial picture, including cash reserves and debt management, investments, protection and taxes. I also ask the right questions and listen closely to your answers so that you can feel confident. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

Adam Goldstein

1999 Ave. of the Stars, Ste. 2200 Los Angeles, CA 90067 Office: (310) 552-5630

23622 Calabasas Rd., Ste. 320 Calabasas, CA 91302 Office: (818) 704-6675 [email protected] www.adamgoldsteinadvisor.com

raff[email protected] home.wellsfargoadvisors.com/ raffe.deirmenjian

Generational Wealth Management

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Raffe Deirmenjian

Comprehensive Financial Planning

• Wealth transfer strategies • Investment advice and superior service • Retirement- and college-planning strategies

• Retirement, investment and estate planning • Asset preservation and insurance guidance • Personalized solutions to meet your goals

Title: Vice President – Investment Officer

Title/Designations: Private Wealth Advisor; CFP®, ChFC®, CLU®, CMFC® Areas of Focus: Financial Planning and Asset Management Strategies

My team’s focus is to help you and your family maintain the type of lifestyle to which you have become accustomed. We’ll review your current and future goals. Then, taking into account your priorities and tolerance for risk, we will create your personalized Envision® plan. Our goal is to help you achieve yours. Envision® is a registered service mark of Wells Fargo & Company and used under license. Wells Fargo Advisors, LLC is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. ©2011 Wells Fargo Advisors, LLC. All rights reserved Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 1211-0254B 12/11].

Are you looking for ways to reach your financial goals in today’s volatile market? Whether you’re saving for retirement, college for your kids, home improvement, travel, or other needs and dreams, you may be unsure about what to do next, or whether you can do anything at all. That’s where I can help. As a Private Wealth Advisor, I will take the time to listen and understand your goals. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

FS 11 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Frank P. Brady

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n David S. Penn

970 W 190th St., Ste. 275 Torrance, CA 90502 Office: (310) 540-0879 Office: (626) 382-2240 [email protected] www.familylegacylaw.com

8350 Wilshire Blvd. Beverly Hills, CA 90211 Phone: (800) 765-2200, Ext. 1426 Direct: (323) 370-1426 [email protected] www.swst.com

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Samuel B. Ledwitz

Estate Planning With Compassion

Pursue Success on Your Own Terms

• CA State Bar-Certified Specialist • Estate planning, trust and probate law • Torrance, Long Beach, Pasadena, West LA

• Trusted advisor to private investors • Tailored income, retirement and legacy plans • Are your investments true to your purpose?

Titles: Estate Planning Attorney and President

Title: Vice President, Private Client Group

Designations: J.D., LL.M. (Estate Planning), TEP

2011 and 2012 Five Star Wealth Manager

Your family and their well-being are the most important and heartfelt priorities in the world. As your family grows, and life brings changes, it's vital that you make your wishes clear, take steps to protect your family's assets and ensure that you and your family will always be cared for. If you don't, then the most important decisions in your family's life may be made by strangers in a public probate court … and those decisions could cost your family immeasurably.

My objective is to exceed your expectations. Collaborating with you one-on-one and maximizing 16 years of experience, I tailor financial plans to suit your unique needs and expectations. I stand ready to discuss the markets, monitor performance, re-examine objectives and adapt strategies as your financial goals evolve over time. So, are your investments true to your purpose? Let’s find out!

Samuel B. Ledwitz is certified by the California Board of Legal Specialization of the State Bar of California as a California Legal Specialist in Estate Planning, Trust and Probate Law. CA Bar No. 197721.

Southwest Securities, Inc. Member NYSE/FINRA/SIPC. Insurance License No. 0B67335.

Anthony M. Reed

Jeffrey A. Taylor

16217 Kittridge St. Van Nuys, CA 91406 Office: (818) 902-5544 www.minvs.com

190 Sierra Ct., Ste. B12 Palmdale, CA 93550 Phone: (661) 265-9998 ameripriseadvisors.com/ jeffrey.a.taylor

Unbiased Professional Wealth Management

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2012 Five Star Wealth Managers

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Customized Personal Service

• Specialized risk mitigation techniques • Wealth management from a CPA’s perspective • Alternative investment opportunities

• Comprehensive financial planning approach • Investment planning • Retirement and estate planning strategies

Areas of Focus: We offer unique, nontraditional investment ideas

Focus: Financial and Retirement Planning, Wealth Accumulation

Designations: CPA, CFP®

Financial Advisor, ChFC®, CLU®

Millennium is a comprehensive investment advisory and financial planning group with a vast array of clients in the fields of entertainment, law, pensions, nonprofits and private business.

Since 1993, Jeff has been committed to understanding and anticipating the expectations of clients, while providing quality financial and investment planning advice. The focus of his practice is pre-retirement wealth accumulation and income distribution plans for retired clients. Meeting locations in Glendale, Palmdale and Woodland Hills.

As CPAs, we bring a unique perspective to the investment process. Our nontraditional methods of investing and risk mitigation allow our clients to maintain their wealth, while still providing them with the opportunity for growth. We welcome the chance to describe our methods in greater detail!

FS 12 – Five Star award information: fivestarprofessional.com

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Roger J. Conde

Cristina Fuentes

Randi Bach, CPA 15838 Magnolia Blvd. Encino, CA 91436 Phone: (818) 789-3550 [email protected]

Pacific Retirement Advisors 930 Manhattan Beach Blvd., Ste. B Manhattan Beach, CA 90266 Office: (310) 545-8500 [email protected] www.irawealthmgt.com

70 S Lake Ave., Ste. 600 Pasadena, CA 91101 Phone: (626) 744-9760 [email protected] ameripriseadvisors.com/ christine.x.fuentes

Areas of Focus: Taxation, Real Estate Investments Designation: Certified Public Accountant

Randi is a sole practitioner specializing in individual and trust tax preparation, along with estate, retirement and tax planning. Randi stays current with all new tax laws and is known for her wealth growth strategies for individuals and small businesses.

Registered Principal

I have been helping clients plan their financial future since 1994. Given the volatile market, it is important to have a balanced approach to investing, being flexible and making changes when necessary. After all, "financial peace of mind comes from planning."

Designations: CFP®, ChFC®, CRPC®

As a financial advisor with 25 years of experience, I help clients plan to achieve their goals through tailored and comprehensive financial planning.

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC.

Alfred L. McIntosh

Rene’ Nourse

LPL Financial, LLC 8055 W Manchester Ave., Ste. 350 Playa del Rey, CA 90293 Phone: (310) 559-9020 Fax: (310) 823-4699 [email protected]

McIntosh Capital Advisors, Inc. 10801 National Blvd., Ste. 610 Los Angeles, CA 90064 Phone: (310) 470-4056, Ext. 114 [email protected] www.mcintoshcapital.com

21250 Hawthorne Blvd., Ste. 650 Torrance, CA 90503 Phone: (310) 543-0244 Toll-free: (800) 221-8764 [email protected]

LPL Financial advisor to individuals and retirement plans. Comprehensive investment and retirement planning. Personalized solutions to address your financial goals.

LPL Financial, Member FINRA/SIPC.

The first step in developing a productive, personalized financial plan suited to your needs and goals is choosing a proven financial planner who’s right for you. It is important to feel comfortable and compatible with your planner and to have a relationship based on trust. We look forward to hearing from you.

Designations: ChFC®, CLU®, CASL®, FIC

A philosophy anchored in client service and integrity. Customized strategies for retirees and those nearing retirement. Commitment to community outreach.

Securities and investment advisory services are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415, a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc. They are also licensed insurance agents of Thrivent Financial. For additional important disclosure information, please visit thrivent.com/disclosures. 53724.

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Ronald W. Porter

Thrivent Financial for Lutherans 159 E Live Oak Ave., Ste. 102 Arcadia, CA 91006 Office: (626) 701-0077 Cell: (626) 297-9334 [email protected] www.Thrivent.com

Titles: Principal, CFP®

Wealth Advisor, CFP®

Helping individuals and their families construct and preserve their “financial house” is both a personal passion and mission. Using a combination of financial and investment planning strategies, we work closely together to create a blueprint to help you reach your financial goals. © 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

Gail D. Reid

Allen G. Yee

535 N Brand Blvd., Ste. 101 Glendale, CA 91203 Phone: (818) 662-1999, Ext. 1 www.gaildreid.com

1499 Huntington Dr., Ste. 303 South Pasadena, CA 91030 Office: (626) 396-1650 Toll-free: (800) 332-8552 [email protected] www.guidantplanning.com

Designations: CFP®, ChFC®, CLU®

As an Ameriprise Private Wealth Advisor®, Gail possesses strong leadership capabilities and 23 years of experience serving the needs of high-net-worth individuals. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC.

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Designation: CFP®

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Ronald Levenson

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Securities and Investment Advisory services are offered through NPB Financial Group, LLC. Member FINRA, MSRB, SIPC. Pacific Retirement Advisors is a Registered Investment Advisor in CA.

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Randi Bach

Designation: RFC ®

In a financial world with so many options, people deserve a professional with the knowledge, experience and diligence to make it work for them. As a Five Star award recipient for his second year, Allen thanks all of his clients and the community for their support. Allen Yee is a Registered Principal offering securities through First Allied Securities, Inc., a Registered Broker/Dealer (Member FINRA/SIPC). Investment advisory services offered through Guidant Planning, Inc.

FS 13 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

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