2017 Wealth Managers
Orlando-area money management and investment professionals share their knowledge, strategies and skills designed to guide you to a secure financial future.
Certified Financial Group, Inc.
Many experts say that firms in the financial planning business can be broken down into two distinct categories: brokers and fiduciaries. Joseph Bert, CFP®, AIF®, Chief Executive Officer of Certified Financial Group (CFG), says that for his firm and his clients, there’s a huge difference between the two:
“Brokers are held to what’s called a ‘suitability standard’ when dealing with the public,” he said, “which means a broker is permitted to sell you something that may not be the best solution or product, as long as it doesn’t do you harm.” He explains further: “A fiduciary, on the other hand, is held to a higher standard of care, and must be able to demonstrate that their recommendations are not only suitable for you, but unquestionably the best choice for you, given the relevant facts and circumstances.”
Bottom line? Brokers work for the firm. Fiduciaries work for you.
CFG’s 12 Certified Financial Planner™ (CFP®) professionals are Investment Advisory Representatives for Certified Advisory Corp (CAC), a Registered Investment Advisor. Many have been serving as fiduciaries for decades—a practice that has made CFG the chosen firm of thousands of individuals and families.
“We work closely with each client to help them find a path toward financial peace of mind—knowing where they stand financially, where they’re going, and the best steps they can take today to get there,” says Bert.
Clients can rest assured that the advice they receive is driven by fiduciary principles, not commissions or sales quotas. CAC provides “fee-only planning.” Abiding by CAC’s Fiduciary Pledge, Investment Advisory Representatives do not accept any referral fees or compensation contingent upon the purchase or sale of a financial product. The only fee collected in a client relationship is an agreed-upon fee for investment advice.
In addition to the CFP® designation, many of the planners also hold the Accredited Investment Fiduciary® (AIF®) designation, which means they have an added duty of loyalty and care, and an obligation to put their clients’ interests above their own. And this year, CAC also joined an elite group of only 75 financial firms in the U.S. to be certified by The Centre for Fiduciary Excellence (CEFEX). This independent certification verifies “the trustworthiness of investment fiduciaries” and assures investors “that their investments are being managed according to commonly accepted best practices.”
With roots dating back to 1976, CFG has become one of the oldest and largest firms in the Central Florida area, drawing in multiple generations of people who want to take control of their financial future by “Planning Tomorrow…Today!®.
1111 Douglas Ave. | Altamonte Springs, FL 32714
Phone: 407.869.9800 | Toll-free: 800.393.9900
Tom Rauchegger and Scott Cramer
Cramer & Rauchegger, Inc.
Life is full of important milestones such as buying your first car, getting married, having children, purchasing your first home and reaching retirement. Who can you trust for advice when planning for and reaching retirement? Cramer & Rauchegger, Inc. is an independent financial advisory firm that specializes in helping people plan for and enjoy the retirement they imagined.
Scott Cramer and Tom Rauchegger met playing indoor soccer in Orlando. In 2006, they decided to bring the team concept they learned on the field to the financial industry and co-founded Cramer & Rauchegger, Inc. Scott and Tom have over 40 years of combined experience in the financial industry but have different educations, experience levels and backgrounds. They understand the importance of defense, teamwork, preparation and planning. The Firm offers a unique advisory approach by having clients meet with both Scott and Tom to receive dual guidance. For the client, the team concept translates to more attention, better service and ultimately the best retirement. As Registered Investment Advisors, Scott and Tom are fiduciaries. They will always put the client’s interest before their own.
Cramer & Rauchegger, Inc. is a strong believer in the “Endowment Model” investment strategy that Harvard, Yale, and many other Ivy League Institutions have successfully used for years. This allows the investment portfolio to outperform the stock market with less overall risk by incorporating non-stock market correlated investments into the portfolio. Lowering volatility and risk is especially important for retirees who cannot afford to lose their money and jeopardize their lifestyle in retirement.
The Firm offers much more than just investment advisory services. Scott and Tom believe that true retirement planning should incorporate Investments, Income, Estate and Tax Planning. All of these planning tools should work together in a cohesive strategy to achieve the best results.
Cramer & Rauchegger, Inc. strives to emulate the Ritz Carlton service model delivering memorable client experiences. When you call our company, the phone is answered by a live person ready and willing to help you. Our motto is “Our client’s success is our success.” As a referral only Firm, the team at Cramer & Rauchegger, Inc. proudly takes special care of their clients and the friends that they introduce to our Firm. If you are interested in learning more about our Firm, please do not hesitate to contact us:
Securities offered through Kalos Capital, Inc., located at 11525 Park Woods Circle, Alpharetta GA, 30005, (678) 356-1100. Investment Advisory Services offered through Cramer and Rauchegger, Inc. Cramer and Rauchegger, Inc. is not an affiliate or subsidiary of Kalos Capital, Inc.
800 N. Maitland Ave. | Suite 204
Maitland, FL 32751
Nelson Financial Planning
Joel Garris and his team at Nelson Financial Planning provide genuine financial plans that are personalized for your life. We always put you first and take the time to get to know you. We bring together your retirement, investments and taxes to provide a clear direction for the rest of your life.
Started in 1984 by Jack Nelson as Nelson Investment Planning Services, we remain a fully independent and family-owned and operated firm. We only recommend actively managed investments that we own personally. Our retirement income and investment approach is based on our 30-plus years of experience.
Our approach seeks to put you at the center of the process so you understand your financial plan for your future. To ensure your success, we believe it is in your best interest to have the knowledge necessary to make informed decisions about your finances. Our quality advice covers areas such as retirement income, estate matters, planning for retirement, investments, taxes, and even the Florida Retirement System.
Joel is the host of Central Florida’s longest-running radio show. “Dollars and Sense” is heard live from 9 to 10 a.m. every Sunday on WFLA 102.5 FM/540 AM. We offer securities through Nelson Ivest Brokerage Services Inc., a member of FINRA and SIPC. Follow them on Facebook, Twitter, Soundcloud or LinkedIn for their latest radio show and timely economic and market commentaries.
Our personal conversations are always free and result in real solutions to achieve your retirement hopes and dreams. Call 407-629-6477 to schedule a conversation with us today!
423 Country Club Drive
Winter Park, FL 32789
Edward J. Higgins, First Vice President-Investments-Wells Fargo Advisors
Since 1987, Ed has helped his clients manage their investment assets in the ever-changing financial markets. With 30 years of experience, he is committed to providing each client with quality advice and a high level of service. He specializes in retirement and investment planning and believes a sound investment plan and risk management strategy is critical in helping clients achieve their financial goals. Ed works with individuals and their families, endowments, nonprofit organizations, and assists small business owners in creating a wealth management plan for their business.
Ed has lived in the Orlando area since 1967, and graduated from the College of Business Administration at the University of Florida. He started in the financial services industry with Raymond James & Assoc. In 1999, he joined Smith Barney and subsequently joined Wells Fargo Advisors in 2012. In addition to his various securities licenses, he has a life insurance and annuity license, and a mortgage license (NMLS 1166576). Away from the office, Ed and his wife, Vicki, enjoy the many amenities of Central Fla., and especially enjoys boating, offshore fishing, and scuba diving.
Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker dealer and non-bank affiliate of Wells Fargo & Company. © 2015 Wells Fargo Clearing Services, LLC (WFCS, LLC). All Rights reserved.
800 N. Magnolia Ave. | Suite 1401
Orlando, FL 32803
Stokes Financial Group
James A. Stokes, CFP®, is a native Central Floridian and 30-year financial industry veteran. After working for a national firm for 15 years, Jay formed Stokes Financial Group in 2002 to provide his clients with individualized, sound asset management strategies designed to accumulate and manage wealth to help ensure a secure retirement. Stokes Financial Group guides clients through a comprehensive planning process to lay the groundwork for each client to help meet his or her specific goals and objectives. Custom-designed managed portfolios use a disciplined and tax efficient process for Equity, Retirement Income, and Balanced Portfolios. Our top priority is to assist each client in developing an investment portfolio that will help simplify their financial lives, and provide financial freedom, peace of mind, and a worry-free retirement.
To schedule a consultation or learn more from Jay about our wealth creation processes, contact Charlene Mauro-Page at 407-843-4200, visit www.stokesfinancialgroup.com or download the Stokes Financial Group App.
Securities and investment advisory services provided through Madison Avenue Securities, LLC (MAS), a Registered Investment Advisor, member of FINRA and SIPC. MAS and Stokes Financial Group are unaffiliated entities.
1220 Edgewater Drive
Orlando, FL 32804