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F ve ar roSi F ve tar ProSfiP F ve tar ro essiSfive ta Pro essFiv St r P fe ioe S ar P rof ssio naetnsare S r P of sio altar ro ess naifPr es on lSpecial Advertising Section Five StarWealth ManagersIn a consumer study about dynamics between wealthmanagers and their clients, Five Star Professional polledwealth managers and consumers about communications. Bothgroups said that connecting three to four times a year is theright communications strategy, but expectations are notaligned in all areas:are financial advisors, financial planners, investmentadvisors, tax advisors and estate planning attorneys. 2 9 percent of consumers want to be contacted by theirwealth manager whenever events require an update; only 7percent of wealth managers say they contact clients basedon the impact of events.Orlando Magazine and Five Star Professional partnered tofind wealth managers who satisfy 10 objective eligibilityand evaluation criteria that are associated with wealthmanagers who provide quality services to their clients.Among many distinguishing attributes, the average oneyear client retention rate for this year ’s award winners ismore than 96 percent. 63 percent of consumers say they receive the right amountof communication from their wealth manager.From research conducted by Five Star Professional, April 2011.Wealth managers, broadly defined, are thoseindividuals who help you manage your financialworld and/or implement aspects of your financialstrategies. Common examples of wealth managersHow do you find a wealth manager with experience, whohas a good base of clients with high retention rates, andwho has undergone a regulatory and complaint review?And when you find them, are they accepting new clients?Don’t listen to other people. Investigatefor yourself. Be wary of advisers whosay they never had a down year.”— Five Star Wealth ManagerA SelectAwardThe 2012 Five Star Wealth Managers are a select group, representing less than 2 percent of the wealthmanagers in the Orlando area.(1)Although this list is a useful tool for anyone looking for help in managing their financial world orimplementing aspects of their financial strategies, it should not be considered exhaustive. Undoubtedly, there are many excellentwealth managers who, for one reason or another, are not on this year’s list.AwardIn order to consider a broad population of high-quality wealth managers, award candidatesare identified by one of three sources: firm nomination, peer nomination or pre-qualificationbased on industry standing. Self-nominations are not accepted. Orlando award candidateswere identified using internal and external research data, including a survey to more than3,800 registered financial services professionals and all identified financial service companies in the area that are registered withFINRA or the SEC.Candidateswww.fivestarprofessional.com: Five Star award information — FS 12012 Five Star Wealth Managers2012 Orlando
F ve ar roSi F ve tar ProSfiP F ve tar ro essiSfive ta Pro essFiv St r P fe ioe S ar P rof ssio naetnsare S r P of sio altar ro ess naifPr es on lSpecial Advertising Section 2012 Five Star Wealth ManagersDeterminationOf Award WinnersAward candidates who satisfied 10 objective eligibility and evaluation criteria that areassociated with wealth managers who provide quality services were named 2012 Five StarWealth Managers.(2)Eligibility Criteria – Required(3)20121. C redentialed as an investment advisory representative (IAR), a FINRA-registeredrepresentative, a CPA or a licensed attorney.2. Actively employed as a credentialed professional in the financial services industry for aminimum 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’saward winners is more than 96 percent).The Five Star award goes to lessthan 7 percent of wealth managers.7. Five-year client retention rate.8. Non-institutional discretionary and/or non-discretionary client assets administered (thisyear’s award winners administer an average of 83 million in client assets).9. Number of client households served (on average, this year’s award winners serve 228households).10. Education and professional designations.ResearchDisclosures Wealth managers do not pay a fee to be considered orplaced on the final list of Five Star Wealth Managers. The Five Star award is not indicative of the wealth manager’s future performance.Insights from Five StarWealth ManagersWishful thinking is notplanning. If you planfor the worst, you willnever be unpleasantlysurprised.” Wealth managers may or may not use discretion in their practice and therefore may not managetheir clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construedas an endorsement of the wealth manager by Five Star Professional or Orlando Magazine. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to futureinvestment success, nor is there any guarantee that the selected wealth managers will be awardedthis 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 beconsidered financial advice. For more information on the Five Star award and the research/selection methodology, go to www.fivestarprofessional.com. (1) 1,590 award candidates in the Orlando area were considered for the Five Star Wealth Manageraward. 117 (approximately 7 percent of the award candidates) were named 2012 Five Star WealthManagers.(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 orFive 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.Clients don’t care howmuch you know untilthey know how muchyou care.”Only invest in something that you understand.”What matters most ishow you recover fromsetbacks.”Five Star Professional conducts a regulatory review of each nominated wealth manager using the Investment Adviser Public Disclosure (IAPD) website. Five Star Professional alsouses 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 criterialisted 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 theopportunity to submit complaints regarding a wealth manager. More than 10,900 households in the Orlando 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 feedbackfrom 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 befound at www.fivestarprofessional.com/2011/wealth managers research overview.php.FS 2 — Five Star award information: www.fivestarprofessional.com
F ve ar roSi F ve tar ProSfiP F ve tar ro essiSfive ta Pro essFiv St r P fe ioe S ar P rof ssio naetnsare S r P of sio altar ro ess naifPr es on lSpecial Advertising Section Business PlanningWilliam Boyles · Gray-Robinson, PAScott Peelen · MPC/Moreno Peelen Pinto& ClarkBrian Fricke · Financial ManagementConceptsKarl Furno · Mosaic Wealth ManagementGroupConrad Santiago · Conrad Santiago &Associates/Ameriprise Financial Services,Inc.Donald Schultz · RBC Wealth ManagementJoel Garris · Nelson Investment PlanningServicesDouglas Sheahan · Morgan Stanley SmithBarneyRonald Garrison · Morgan Stanley SmithBarneyKimberly Sterling · Resource ConsultingGroupStephen Dunegan · Akerman SenterfittDerek Grimm · Merrill LynchMargaret “Peggy” Hoyt · The Law Officesof Hoyt & BryanJames Hasley · Elite Financial PartnersTodd Stevens · Morgan Stanley SmithBarneyNancy Hecht · Certified Financial GroupKristen Jackson · Jackson Law, PAAlexander Hernandez · SunTrust Bank/SunTrust Investment Services Page 9Estate PlanningRandy Bryan · Hoyt & BryanBarbara Coenson · Coenson Law, PATony Keena · Estate & Business PlanningGroup Page 9Ivan Lefkowitz · Lefkowitz Shaw & SentnerAttorneysScott Miller · Broad & CasselEric Millhorn · Millhorn Law FirmCraig Pearlman · Killgore Pearlman StampOrnstein & Squires, PANorma Stanley · Lowndes Drosdick DosterKantor & Reed, PAHallie Zobel · Bailey Zobel PilcherFinancial PlanningJesse Anderson · Merrill LynchJoseph Avallone · Retirement PlanningAssociatesRobert Breske · Breske & BreskeScott Cadwell · Cadwell WealthManagement GroupBrett Canarelli · Centerstate FinancialServicesRey Descalso · Privada WealthManagementGregg Emch · Morgan Stanley SmithBarney Page 9Robert Emerson · Morgan Stanley SmithBarneyJames Eshelman · Ameriprise FinancialServices, Inc.Kevin Farrow · SunTrust InvestmentServicesCharles Fitzgerald III · Moisand FitzgeraldTamayoAlberto Herran · Ameriprise FinancialServices, Inc.Kimberly Stewart · KRS WealthManagementMarilyn Swan · Morgan Stanley SmithBarneyKevin Taylor · Provident FinancialConsulting Page 8Timothy Jernigan · Morgan StanleySmith Barney Page 6Kyle Taylor · Provident FinancialConsulting Page 8William Jones · Stonebridge FinancialPlanning GroupScott Keiber · Raymond James FinancialServicesSteven Kurland · 360 Financial FirmHilgardt Lamprecht · The Lifewealth GroupTim Looney · Tim Looney InvestmentsSean Marlowe · Marlowe, Petty &Associates/Ameriprise Financial Services,Inc.Bob Thwaites · Morgan Stanley SmithBarneyGreg Vandergrift · Ameriprise FinancialServices, Inc.Chad Warrick · Summit WealthManagement Page 9Dianne Webb · Stonebridge FinancialPlanning GroupTodd Woodard · Mosaic WealthManagement GroupKent McKee · 4th Generation FinancialKirk Barr Young · Barr Financial ServicesSteven Merenda · Ameriprise FinancialServices, Inc.InvestmentsTony Moreno, Jr. · MPC WealthManagementNora Bagby · Wells Fargo Advisors, LLCRick Ahl · Ahl Investment ManagementScott Morris · Thrivent FinancialDamon Nicholson · Morgan Stanley SmithBarneyDennis Nolte · Capital Guardian WealthManagementChristopher Pashley · Merrill LynchSam Bellamy · Morgan Stanley SmithBarneyMichael Brodsky · Brodsky Paynter &Associates/Ameriprise Financial Services,Inc.Kenneth Burke · Merrill LynchGeorge Burmann · J.P. Turner & CompanyAnthony Perrone · Estate & BusinessPlanning Group Page 7Brian Coatoam · Merrill LynchPaul Prewitt · Ameriprise FinancialServices, Inc.Daniel Davis · Capital Guardian WealthManagementBryan Repple · G.A. Repple & CompanyRobert Davis · Davis InvestmentManagementEric Rivera · Fairwinds Credit UnionKaren Flynn · Raymond James FinancialServices Page 9Brandon Ronca · Ameriprise FinancialServices, Inc.Michael Fraher · Ameriprise FinancialServices, Inc. Page 8Thomas Ruggie · Ruggie WealthManagementSteve Eley · Morgan Stanley Smith BarneyMax Elson · Morgan Stanley Smith BarneyD. Brooks Emerson · Merrill Lynchwww.fivestarprofessional.com: Five Star award information — FS 32012 Five Star Wealth ManagersAward winners listed by primary services and listed alphabetically by last name.
F ve ar roSi F ve tar ProSfiP F ve tar ro essiSfive ta Pro essFiv St r P fe ioe S ar P rof ssio naetnsare S r P of sio altar ro ess naifPr es on lSpecial Advertising Section 2012 Five Star Wealth ManagersAward winners listed by primary services and listed alphabetically by last name.Rebecca True · True Capital AdvisorsLewis “Eddie” Fisher · Morgan Keegan &CompanyGladwyn Kurian · Morgan Stanley SmithBarneyCindy Fowler · New England FinancialMara Levitt · Merrill LynchChristian Von Eberstein-Hart · Wells FargoAdvisors, LLCRobert Harvie · Morgan Stanley SmithBarney Page 5Carlos Lievano · Morgan Keegan &CompanyBrandon Waters · Morgan Stanley SmithBarneyEric Hoebbel · American Harbour WealthManagementJohn Maxwell · Merrill LynchGlenn Wheelock · Wells Fargo Advisors,LLCMark Holder · Wells Fargo Advisors, LLCDan Moisand · Moisand Fitzgerald TamayoRichard Ott · Wells Fargo Advisors, LLCTaxationRichard Panchookian · Alta Vista WealthManagementLee Anne Acosta · Acosta Tax &Accounting ServicesBrent Ramsey · Edward JonesBonnie Duranceau · CliftonLarsonAllenRichard Sanfilippo · Morgan Stanley SmithBarneyLeah James · Gecko CPA FirmBeth Smith · Morgan Keegan & CompanyMarni Spence · CliftonLarsonAllenChristopher Hunter · Wells Fargo Advisors,LLCChristopher Hylen · Water Oak AdvisorsShawn Jiles · Merrill LynchTimothy Kelley · Morgan Keegan &CompanyLeslie Kelly · American Financial AdvisorsRoy E. Kelsey · Wells Fargo Advisors, LLCVicki Kovach · Certified Financial GroupKirk Tassell · Stockcross Financial ServicesScott Thomas · Stewardship MattersLinda Parks · Parks Defilippo & AssociatesBarbara Watkins · Barbara D. Watkins, CPACertified 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 whosuccessfully 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.Top five questions that wealthmanagers want clients to answer:1. What are your goals andobjectives with your finances?2. What is your most pressingneed right now?3. Where do you see yourself in5, 10, 15 years?4. Where are all of your assetsinvested now?5. What is important aboutmoney to you?From research conducted by Five StarProfessional, April 2011FS 4 — Five Star award information: www.fivestarprofessional.com
F ve ar roSi F ve tar ProSfiP F ve tar ro essiSfive ta Pro essFiv St r P fe ioe S ar P rof ssio naetnsare S r P of sio altar ro ess naifPr es on lSpecial Advertising Section “Custom Portfolios Are theHallmarks of Our Success” Dedicated to personalized client relationships Qualified based on training, experience andcommitment to service Accessible on a one-on-one basis to eachand every clientTitles: Wealth Advisor, Portfolio Management Director,Senior Vice PresidentDesignations: CFP , CIMA , Senior InvestmentManagement ConsultantAreas of Focus: Professional Portfolio Management,Municipal Bonds, Endowments and FoundationsI welcome the opportunity to help meet your financial goalsand aspirations. For more than 20 years, clients have trustedus to advise them on comprehensive solutions to help themoptimize, preserve and pass on family wealth. As a portfoliomanager, my team is qualified to independently manage clientassets based on training, experience and commitment toservice. On a fully discretionary basis, we identify and constructsuitable investment portfolios in accordance with clients’needs and objectives. Our investment services utilize one ofthe most customized approaches to portfolio managementavailable in the investment industry today.Award-winning service and advice requires a dedicated,qualified, experienced team. My team includes Senior ClientAssociates Jennifer Baer and Meegan Kicklighter and FinancialAdvisors James Wesche, Cindy Van Heyde, Joe Kelly and MikeMurphy.To all our clients: “Thank you for the many years of trust andconfidence which have made this award possible. We lookforward to our continued relationship.”250 South Park Avenue, Suite 500 Winter Park, FL 32789Office: (407) 740-4924 Toll-free: (800) 829-5105 Fax: (407) 740-4983robert.harvie@mssb.com www.morganstanley.com/fa/robert.harvie 2012 Morgan Stanley Smith Barney LLC. Member SIPC.www.fivestarprofessional.com: Five Star award information — FS 52012 Five Star Wealth ManagersRobert W. Harvie
F ve ar roSi F ve tar ProSfiP F ve tar ro essiSfive ta Pro essFiv St r P fe ioe S ar P rof ssio naetnsare S r P of sio altar ro ess naifPr es on lSpecial Advertising Section 2012 Five Star Wealth ManagersThe Park Avenue Group atMorgan Stanley Smith BarneyA Culture of Excellence Comprehensive wealth planning Discretionary portfolio management Concierge servicesTimothy M. Jernigan, First Vice President, SeniorPortfolio Manager, Wealth Advisor, CERTIFIED FINANCIALPLANNER ; Kent Akins, First Vice President, SeniorPortfolio Manager, Wealth Advisor, Chartered FinancialAnalyst ; Jennifer Baer, Senior Registered Associate;Meegan Kicklighter, Senior Client Service AssociateSome of the best minds on Wall Street will be workingwith you.Five Star award winner Timothy M. JerniganOur vision is to foster multigenerational relationships thatestablish and achieve financial goals through objective andholistic wealth planning. Working with our clients and theirtrusted advisors, Five Star award winner Timothy M. Jerniganand his team create comprehensive wealth managementstrategies for a limited number of individuals and families ofsignificant wealth. We place our clients’ interest first, act withintegrity and honesty, and strive for excellence in every facetof our practice. As of March 2012, The Park Avenue Group atMorgan Stanley Smith Barney manages approximately 250million in assets.Left to right: Jennifer Baer, Five Star award winner Timothy M. Jernigan,Meegan Kicklighter, Kent Akins250 South Park Avenue, Suite 500 Winter Park, FL 32789Office: (407) 740-4942timothy.jernigan@mssb.com www.morganstanley.com/fa/theparkavenuegroup 2012 Morgan Stanley Smith Barney LLC. Member SIPC.FS 6 — Five Star award information: www.fivestarprofessional.com
F ve ar roSi F ve tar ProSfiP F ve tar ro essiSfive ta Pro essFiv St r P fe ioe S ar P rof ssio naetnsare S r P of sio altar ro ess naifPr es on lSpecial Advertising Section 2012 Five Star Wealth ManagersTony PerroneTwW o-Yin eane rrEstate and Business Planning Group, Wealth ManagersMoney Management,Estate and Tax PlanningStrategiesLeft to right: Seated: Jeff Heard, Jeff GreenStanding: Jim Greene, Five Star award winner Tony Perrone and two-year winner Tony S. Keena Starting Social Security? Don’t make a mistake: www.SocialSecurityPlan.com Advanced investment principles FRS planning: www.MYFRS.comTitles: Tony Perrone is the president and host of Now You Know, a financial show on 96.5FMLicenses: Series 6, 7, 24, 51, 66 Life, Health and AnnuityOur Regular Client Review Program (RCR) has made a differencewith our clientele, meeting with them every quarter face toface to review their current situation. All advisors want to setup accounts, but only a few want to monitor them year afteryear. The Estate and Business Planning Group has eight specialclient events per year to educate clientele on the currentfinancial environment, and some are recreational events.“You have earned it, we help you keep it.”Listen to Now You Know at 9:00 a.m. on Sundays.305 Douglas Avenue Altamonte Springs, FL 32714Office: (407) 389-1122 Toll-free: (866) 669-8566www.drophelp.comSecurities and Investment Advisory Services offered solely through Ameritas Investment Corp (AIC). Member FINRA, SIPC. AIC and Estate and Business Planning Group are not affiliated. Additional pro
representative, a CPA or a licensed attorney. 2. Actively employed as a credentialed professional in the financial services industry for a . Eric Millhorn · Millhorn Law Firm Craig Pearlman · Killgore Pearlman Stamp Ornstein & Squires, PA . Michael Fraher · Ameriprise Financial Serv
