The world of investing is complex. The jargon is anachronistic. Economic concepts are esoteric. Profits and losses ride on a volatile sea of fear and greed. For my clients, I try to distill the cross-currents of a chaotic, institutional investment world down to several simple, basic truths: Save...Diversify...Invest Long Term...Manage Debt...Insure...Pass it On!
There is a savings crisis in America. 71% of Americans say they have financial worries, but only 40% report having any kind of spending or investment plan.* Furthermore, 56% of Americans have less than $10,000 saved for retirement.** Add to that, we're living longer. There's a 72% chance that among married couples, at least one spouse will live to age 85 and a 45% chance that one will live to 90.***
If by getting up in the morning, I can help one client, one prospect, one friend turn the tables on those gloomy stats, it will be a day well spent.
In 1994, I began my career at Prudential Securities then went on to Merrill Lynch, and UBS. In 2009, after 15 years working with these national wire-houses, I joined First Financial Equity Corporation, an independent broker-dealer. Now, I am excited to be an Investment Advisor Representative (IAR) under LPL Financial' s Corporate RIA Platform.
*The 2016 Consumer Financial Literacy Survey, Prepared For: The National Foundation for Credit Counseling (NFCC) and Boeing Employees' Credit Union (BCEU), Prepared By: Harris Poll
**https://www.gobankingrates.com/retirement/1-3-americans-0-saved-retirement/
***https://personal.vanguard.com/us/insights/retirement/plan-for-a-long-retirement-tool
Investing involves risk including loss of principal. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
ON A PERSONAL NOTE:
I received my A.B. in Geology from Princeton University and now hold the Series 7, 63 and 65 registrations through LPL Financial. I live in Parker, CO and enjoy skiing, golf, photography,range shooting and climbing Colorado's Fourteeners.
EXPERIENCE
Investment Advisor Representative at LPL Financial
- November 2016 - Present
First Vice President - Investments at First Financial Equity Corporation
- April 2009 - November 2016
Account Vice President at UBS
- August 2003 - April 2009
Financial Advisor at Merrill Lynch
- December 1997 - August 2003
Financial Advisor at Prudential Securities
- October 1994 - December 1997
Education
Princeton University
- A.B., Geological and Geophysical Sciences, 1976 - 1981
Wilmington Friends School
- High School, Attended 10th - 12th Grades, 1972 - 1975
