Advisor profile


My approach

People will ask how one invests successfully. It is fairly straight forward. I believe that one must adopt a long-term view of personal wealth and avoid the media's temptation to fixate on short-term events.

It is my belief that the path to financial success starts with diversification. I don't believe you should concentrate your assets in any one type of investment or any one asset class. Stated another way, I don't believe you should concentrate all of your wealth in one stock. In fact Idon't believe all of your money should be invested in stocks.

It is my belief that the path to financial success requires proper asset allocation. You should consider exposure to global real estate, US stocks & bonds, international stocks & bonds, and commodities.

When possible, investing systematically, over time. This takes market timing out of the investment equation. This is called dollar cost averaging.

The final step on your path is patience. The markets will enter into periods of volatility. These periods can be extreme. Rather than seeing these periods as upsetting, I encourage you to plan for them and view them as periods of opportunity.

Clearly this investment philosophy needs to be "fleshed out". . . I encourage you to stop by and have a cup of coffee . . . let's talk.

My Approach - Disclosure: Diversification, dollar-cost averaging and asset allocation strategies can help protect against certaininvestment risks, but do not assure a profit or protect against loss.

Investments in a narrowly focused sector such as real estate may exhibit higher volatility than investments with broader objectives. An investment in real estate is subject to market risk, economic risk, and mortgage rate risk.

Stock investments have an element of risk. High-quality stocks may be appropriate for some investments strategies. Ensure that your investment objectives, time horizon and risk tolerance are aligned with stocks before investing, as they can lose value.

There are risks associated with fixed income investments,including credit risk, interest rate risk, and prepayment and extension risk. In general, bond prices rise when interest rates fall and vice versa. This effect is usually more pronounced for longer-term securities.

International investing involves increased risk and volatility due to potential political and economic instability, currency fluctuations, and differences in financial reporting and accounting standards and oversight. Risks are particularly significant in emerging markets.

Commodities investing involves substantial risk of loss,including volatility risks associated with investing in a narrowly focused sector, and may not be suitable for all investors.

Investment decisions should always be made based on an investor's specific financial needs, objectives, goals, time horizon and risktolerance. Past performance does not guarantee future results.

37
Years of Experience
This number may include years as a financial advisor, and/or experience as a registered representative.

Areas of focus

  • Retirement Planning Strategies
  • Saving for Education
  • Investments
  • Tax Planning Strategies

Qualifications

  • BFA™ Behavioral Financial Advisor
  • CFP® CERTIFIED FINANCIAL PLANNER™
  • APMA™ Accredited Portfolio Management Advisor™
  • ChFC® Chartered Financial Consultant®

Education

  • B.S. Cornell University 1984 Ithaca, NY
  • College for Financial Planning 2009 Denver CO (CFP Board Reg Education Program)

Awards & recognition

  • Five Star Wealth Manager, 2012, 2014. 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023
  • Ameriprise Circle of Success, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023
  • Ameriprise Ultimate Digital Excellence Award, 2023

Previous experience

  • Vice President of Investments, H&R Block Financial Advisors, Cincinnati, OH, 1999-2008
  • Branch Manager, Olde Stock Brokers, Cincinnati, OH, 1991-1999
  • Financial Advisor, Shearson Lehman Hutton, New York City, NY, 1988-1989

Advantages of working together online

As we work together to track and achieve your goals, the secure site on ameriprise.com and Ameriprise app make it easy for clients to collaborate with me, any time from any device. In one secure, convenient online space, you can:

· Track your goals and progress

· Connect and share information with me

· View, store and organize your financial documents

· Transfer funds, and much more

Register today at ameriprise.com, or contact me for help getting started.

Community participation

-Board Member, Landen Home Owners Association. November 2011 – Present

-Active participant in managing our association for the welfare of all homeowners.

-Board member of Kings Local Food Pantry, South Lebanon, Oh. 2012 - Present

-Active interest in proactively organizing annual food drives for our local food bank, Kings Local Food Pantry.

Interests

  • Recently rescued two Labrador Retrievers: Bull & Bear
  • Charitable interests include Labrador Retreiver Rescue;
  • KIVA, Goodwill, SPCA, Smile Train, City Gospel, Freestore.
  • Matthew 25 Ministries, Kings Food Pantry, Salvation Army
  • Humane Assoc of Warren County
  • USO (United Service Organizations, Inc)
  • Cincinnati Parks Foundation
  • The Mercantile Library, Cincinnati, OH
  • Cincinnati Preservation Assoc
  • Shelterhouse

Received the 2001 Cincinnati Preservation Association award for historic residential restoration and preservation.

Private Wealth Advisors

Ameriprise Private Wealth Advisors have extensive experience in helping affluent clients preserve and grow their wealth. They possess the capabilities and resources to provide customized recommendations and support for tax, estate, and retirement planning. They help clients step back and explore the full range of opportunities their wealth can bring. With years of experience and an established network of expert resources, Private Wealth Advisors are among the most qualified and credentialed advisors in the industry. Ameriprise Financial gives this elite group the highest priority and quality of service and resources available to help ensure their clients receive the best possible client experience.