2012 five star five star 2012 orange county wealth managers Œ

2012 Five Star Wealth

Man

agers

www.fivestarprofessional.com: Five Star award information — FS 1

Special advertiSing Section

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:

• 29 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.

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 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?

Orange Coast 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 96 percent.

Five Star Wealth Managers2012 orange county

Don’t listen to other people. Investi-gate for yourself. Be wary of advisers who say they never had a down year.”

— Five Star Wealth Manager

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. Orange County award candidates were identified using internal and external research data, including a survey to

more than 9,400 registered financial services professionals and all identified financial service companies in the area that are registered with FINRA or the SEC.

candidateSaward

The 2012 Five Star Wealth Managers are a select group, representing less than 2 percent of the wealth managers in the Orange County 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.

aWarda Select

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FS 2 — Five Star award information: www.fivestarprofessional.com


Wishful thinking is not planning. If you plan for the worst, you will never be unpleasantly surprised.”

What matters most is how you recover from setbacks.”

Only invest in some-thing that you under-stand.”

Insights from Five Star Wealth Managers

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

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

• The 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 and Orange Coast 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) 1,760 award candidates in the Orange County area were considered for the Five Star Wealth Manager award. 255 (approximately 14 percent of the award candidates) were named 2012 Five Star Wealth Managers. The 255 award winners represent less than 2 percent of the total wealth managers in the area.

diScloSureSresearch

2012

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

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)

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 96 percent).

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 $95 million in client assets).9. Number of client households served (on average, this year’s award winners serve 248

households).10. Education and professional designations.

oF aWard WinnerSdetermination

(2) Wealth managers were required to certify that any information they provided was accurate. (3) Criteria 4, 8 and 9 do not apply to attorneys or CPAs.(4) 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.

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 27,000 households in the Orange County 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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Award winners listed by primary services and listed alphabetically by last name.

Business PlanningElizabeth Bernay ∙ Morgan Stanley Smith

Barney

Andy Purmort ∙ EHG Financial Planning

Rischi Paul Sharma ∙ Assembly Pointe Financial

Estate PlanningCheryl Barrett ∙ Ferruzzo & Ferruzzo

Page 14

John Bradshaw ∙ Ferruzzo & Ferruzzo Page 14

Matt Brown ∙ Brown & Streza

Michael Cruz ∙ Courtlandt Financial Group Page 21

Ernie Ellsworth ∙ Ernie M. Ellsworth, Attorney at Law

Bradley Erdosi ∙ Law Offices of Bradley S. Erdosi

Rick Fenelli ∙ Law Offices of Rick J. Fenelli

Jillyn Hess-Verdon ∙ Hess-Verdon & Associates Page 9

Donald Hunsberger ∙ Law Offices of Donald A. Hunsberger Page 6

James Leese ∙ Ferruzzo & Ferruzzo Page 14

Melissa Levin ∙ Romero & Levin Wealth Management

Thomas McKenzie ∙ McKenzie Law Firm Page 19

Daryl Miller ∙ Russell & Miller

Joseph Mona ∙ Joseph M. Mona

Thomas Roll ∙ Myers & Porter

Steven Schroeder ∙ Law Office of Steven F. Schroeder

Arlyn Smith ∙ Morgan Stanley Smith Barney

W. Bailey Smith ∙ Tredway Lumsdaine & Doyle

W. Rod Stern ∙ Murtaugh Meyer Nelson & Treglia

H. Brooks Travis ∙ The Law Offices of H. Brooks Travis Page 22

Mark Ziebold ∙ Ziebold Law Group

Financial PlanningTrenton Adams ∙ Trenton Adams Associates

Allen Ah You ∙ Monolithe Wealth Planning Group Page 16

Jeffrey Andrews ∙ Raymond Wesley Wealth Management Group

Howard Ashlock ∙ Merrill Lynch

Lisa Banning ∙ Financial Management Network

William Beeler ∙ Regal Wealth Group

Herbert Bennett ∙ Merrill Lynch

Lawrence Bennett ∙ Bennett Financial & Insurance Services

Noah Boatright ∙ Boatright Capital Management

Matthew Bohm ∙ Charles Schwab & Company

Gary Bowman ∙ Strategic Retirement Planning

Matthew Bradley ∙ Morgan Stanley Smith Barney

Randal Bressette ∙ LPL Financial

Robert Burns ∙ Thrivent Financial

Carl Camp ∙ Eclectic Associates

Martha Cannady ∙ Merrill Lynch

Karen Caporaso ∙ Commonwealth

Luke Cattau ∙ Thrivent Financial

Rod Chamberlin ∙ Chamberlin & Associates

Robert Conlisk ∙ Mass Mutual Financial Group

Matthew Conner ∙ Financial Management Network

Arthur Cooper ∙ Cooper McManus

Thomas Crider ∙ Citi Personal Wealth Management

Brett Curran ∙ Financial West Group

Christina D’Amore ∙ Ameriprise Financial Services, Inc.

D. Paul D’Amore ∙ Ameriprise Financial Services, Inc.

Frank DiFerdinando ∙ Northern Trust Page 21

Karl Dimler ∙ Wealth Planning Group

Scott Doll ∙ Doll Capital Advisors

Marie Cadwallader Draper ∙ Sagemark Consulting Page 21

Jeffrey Duncan ∙ VantagePoint Advisory Group Page 18

John Dunphy ∙ Haussmann Financial

Bruce Duquette ∙ U.S. Bancorp Page 19

Andrew Ehrlich ∙ Ameriprise Financial Services, Inc.

Charles Farrell ∙ 65RETIRE

Curtis Farrell ∙ Financial Management Network

Monte Fitch ∙ VantagePoint Advisory Group

Robert Foley ∙ Raymond James Financial Services

Bruce Formes ∙ Bruce Formes Retirement Planning

Kenneth Franklin ∙ Ameriprise Financial Services, Inc.

G. Brad Fries ∙ Applied Financial Management

Bruce Galloway ∙ Ameriprise Financial Services, Inc.

Elaine Gennawey ∙ Morgan Stanley Smith Barney

John Gerken ∙ Wealth Management Advisers

Loreen Gilbert ∙ Wealthwise Financial Services Page 14

Joel Goldhirsh ∙ Goldhirsh & Goldhirsh

Andrew Gordon ∙ Wealth Management Advisers

Emily Hermeno ∙ Financial Advocates

Kate Hewell ∙ Laguna Financial Group Page 22

Patrick Horn ∙ P&H Asset Management

Gary Hutto ∙ Hutto Dean & Company Page 19

Tracy Jackson ∙ Jackson Financial Management Page 10

Mark Jillson ∙ LPL Financial

James Kieckhafer ∙ Kieckhafer Schiffer & Company

David King ∙ LPL Financial

Kate King ∙ The KFK Group

James Kirby ∙ Kirby Wealth Management

Carol Knowlton ∙ Knowlton Financial Group

Daniel Koblin ∙ Pinnacle Consulting Group

Sonny Kothari ∙ Merrill Lynch

Carl Lachman ∙ Eclectic Associates

Lisa Lockerman ∙ Newport Advisory Page 22

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Ryan Maroney ∙ Financial Management Network

Gordon Martin ∙ RBC Wealth Management

Martha Maruca ∙ Maruca Financial & Insurance Services

Sean McGrath ∙ Western International Securities

David McManus ∙ Cooper McManus

Richard Meeks ∙ Merrill Lynch

Jeff Motske ∙ Trilogy Financial Services

Alan Nakamura ∙ Merrill Lynch

Julie Newcomb ∙ Newcomb & Athan Financial

Brent Oberlander ∙ Wealth Management Strategies

Tino Pagano ∙ Merrill Lynch

Avi Pai ∙ LPL Financial Page 22

Eldon Pence ∙ Pence Wealth Management Page 11

Laila Pence ∙ Pence Wealth Management Page 11

Bryan Pepper ∙ Cornerstone Investment Consulting

Joseph Peralta ∙ Retirement Distribution & Wealth Management Strategies

Peter Prescott ∙ Prescott Tax & Wealth Management

Timothy Redmond ∙ Newcastle Financial Advisors

Brian Reyes ∙ Provence Wealth Management Group

Sydney Riccio ∙ Riccio Wealth Management Advisors Page 22

Dean Romo ∙ Raymond James Financial Services

Margarita San Juan ∙ Merrill Lynch

Shawn Sandoval ∙ Cooper McManus

Chris Sathre ∙ JRL Capital Corporation

Bradley Saunders ∙ Morgan Stanley Smith Barney

Alan Schryer ∙ Noble Wealth Management

Floyd Schwartz ∙ Raymond James Financial Services Page 16

Sandip Sehmi ∙ OC Wealth Advisors

James Shanton ∙ Jackson Financial Management Page 10

Mike Sheets ∙ Provence Wealth Management Group

Jacob Shen ∙ Ameriprise Financial Services, Inc.

Bradley Stephenson ∙ Stephenson and Company

Steven Sturner ∙ Ameriprise Financial Services, Inc.

David Thompson ∙ RBC Wealth Management

Helen Timpe ∙ Morgan Stanley Smith Barney Page 17

Michael Tuz ∙ Aegis Financial Partners Page 22

Michael Vandenburg ∙ Coast Wealth Management

David Wagner ∙ Morgan Stanley Smith Barney

Thomas Walden ∙ National Planning Corporation

Jason Weaver ∙ Ameriprise Financial Services, Inc.

Louis Windawi ∙ Windawi & Associates Page 20

Bart Zandbergen ∙ Financial Management Network

Joe Ziomek ∙ Laguna Financial Group

James Zivich ∙ LPL Financial

InsuranceMary Amen ∙ Pacific Advisors

Jay Huckabone ∙ Thrivent Financial

Michael Maruca ∙ Maruca Financial & Insurance Services

Monzur Mollah ∙ New York Life Insurance

Thomas Sim ∙ Tax & Financial Partners

InvestmentsNeil Amor ∙ First Foundation Advisors

Mark Ansara ∙ Crowell Weedon & Company Page 17

Louis Arlow ∙ Ameriprise Financial Services, Inc.

John Arnold ∙ Merrill Lynch

Guy Baker ∙ Wealth Teams Solutions

Anouchka Balog ∙ Morgan Stanley Smith Barney

Victoria Barbisan ∙ Ameriprise Financial Services, Inc.

Jeff Barlow ∙ Trillium Advisory Group

Terry Benson ∙ Wells Fargo Advisors, LLC Page 18

Steven Bernardy ∙ Merrill Lynch

Susan Bordeaux ∙ Morgan Stanley Smith Barney

Bryce Bordwell ∙ Citi Personal Wealth Management

David Boyer ∙ Wells Fargo Advisors, LLC Page 21

Paul Byrd ∙ Wells Fargo Advisors, LLC

Ken Camarella ∙ Morgan Stanley Smith Barney Page 13

Gina Cereda ∙ Wells Fargo Advisors, LLC Page 18

John Chamberlin ∙ Deutsche Bank

Horacio Choi ∙ Wells Fargo Advisors, LLC

Peter Christenson ∙ Ameriprise Financial Services, Inc.

Kelly Clyde ∙ South Coast Investment Advisors

Barbara Cole ∙ Cole Insurance & Financial Services Page 21

Eric Connella ∙ Edward Jones

Linda Coulson ∙ LPL Financial

John Crittenden ∙ Crowell Weedon & Company

Kevin Darger ∙ Financial Management Network

Mark Delp ∙ Wells Fargo Advisors, LLC

Jeannette Dobbyn ∙ Morgan Stanley Smith Barney Page 13

Richard Doebler ∙ Merrill Lynch

Nicholas Dolle ∙ Morgan Stanley Smith Barney

Kevin Donohue ∙ Morgan Stanley Smith Barney Page 21

Derek Draper ∙ Wells Fargo Advisors, LLC Page 8

Bill Duggins ∙ Duggins Financial

Linda Dunbar ∙ Cooper McManus Page 18

George Faas ∙ Morgan Stanley Smith Barney

Will Fetter ∙ Edward Jones

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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.


Sandra Field ∙ Asset Planning

John Fierro ∙ Wells Fargo Advisors, LLC Page 21

Michael Friedman ∙ Churchill Management Group Page 21

John Gaines ∙ LPL Financial

Michael Gates ∙ Wells Fargo Advisors, LLC

David Geske ∙ Redwood Investments

Philip Gironda ∙ Edward Jones

Kerry Givant ∙ Merrill Lynch

Patrick Guinet ∙ Wells Fargo Advisors, LLC

Christopher Haberl ∙ Haberl Wealth Management Page 21

Steve Henningson ∙ SageView Advisory Group

Daniel Henry ∙ RBC Wealth Management

Michael Hickey ∙ Wells Fargo Advisors, LLC

Walt Hommerding ∙ Wells Fargo Advisors, LLC Page 15

Tina Hum ∙ TMH Financial Page 22

Derek Johnson ∙ Merrill Lynch

Jeffrey Kanegae ∙ Wells Fargo Advisors, LLC

Rick Keller ∙ First Foundation Advisors

Chad Kessler ∙ C. K. Cooper & Company

Martin Klein ∙ J.P. Morgan Securities

Harmon Kong ∙ Iwamoto Kong Wealth Management Group Page 15

Gary Kubesh ∙ Merrill Lynch

Tracy Kuntz ∙ Towneley Capital Management

John LaBriola ∙ Sagent Wealth Management

Thomas Lauderdale ∙ Wells Fargo Advisors, LLC

Edward LeBeau ∙ Charles Schwab & Company

Ralph Linzmeier ∙ Morgan Stanley Smith Barney

William Livingston ∙ Merrill Lynch

Julie Mains ∙ Gold Coast Financial Group

Raymond Martin ∙ Wells Fargo Advisors, LLC

Vincent Mazzotta ∙ Ameriprise Financial Services, Inc.

George McDaniel ∙ Lighthouse Financial Services

Michael McQuilkin ∙ Wells Fargo Advisors, LLC

Robert Meaux ∙ Thrivent Financial

John Milia ∙ Wells Fargo Advisors, LLC

Taryn Moll ∙ Merrill Lynch

Thomas Mooers ∙ Morgan Stanley Smith Barney

Luis Orama ∙ Compak Asset Management

Steven Pollack ∙ Steven Pollack & Associates

Patrick Powers ∙ Powers Capital Investments

David Reagan ∙ City National Bank

James Riley ∙ Merrill Lynch

James Ritchie ∙ Morgan Stanley Smith Barney

Donovan Ritter ∙ LPL Financial Page 19

Michael Roane ∙ Morgan Stanley Smith Barney

Gary Robertson ∙ FMSI Advisors

Daniel Romero ∙ Romero & Levin Wealth Management

Robert Rumishek ∙ Morgan Stanley Smith Barney Page 22

Alex Salcedo ∙ U.S. Bancorp Page 20

Matthew Sassani ∙ Ameriprise Financial Services, Inc.

Robert Seaman ∙ Towneley Capital Management

Suzanne Sellars ∙ Morgan Stanley Smith Barney Page 20

Steve Shatynski ∙ Wells Fargo Advisors, LLC

Robert Shaw ∙ Morgan Stanley Smith Barney

Shotaro Shiono ∙ Wells Fargo Advisors, LLC

Jerry Slusiewicz ∙ Pacific Financial Planners

Eric Spraker ∙ Wells Fargo Advisors, LLC

Ken Stelts ∙ Edward Jones

Douglas Stewart ∙ First Allied Securities

Winnie Sun ∙ Sun Group Wealth Partners

Mark Taylor ∙ Winthrop Taylor Financial Page 22

Dean Tellone ∙ Tellone Management Group Page 12

Arthur Thielen ∙ Pathways Financial

Mark Thon ∙ Rebel Wealth Management

Jeni Tryon ∙ Tryon & Company

Craig Tuthill ∙ Wells Fargo Advisors, LLC

Robert Vollmer ∙ First Allied Securities

Bryan Welbaum ∙ Morgan Stanley Smith Barney

T. Douglas Welsh ∙ Crowell Weedon & Company

Peter Wernemar ∙ Merrill Lynch

Tim Werth ∙ Edward Jones

Carolyn Wyatt ∙ Crowell Weedon & Company

TaxationRudy Baron ∙ Baron Accountancy

Corporation

Corinne Baughman ∙ Moss Adams Wealth Advisors Page 17

James Colclaser ∙ Colclaser & Associates

Andrew Favor ∙ Ritt & Favor, CPAs

Michael Fujimoto ∙ Tice Gardner & Fujimoto

Glenn Hetzel ∙ Glenn B. Hetzel

Nicholas Hodges ∙ NCH Tax & Wealth Advisors

Louise Liewald ∙ Liewald Accounting and Consulting

Steven Olmsted ∙ Olmsted & Associates

Teri Rice ∙ Rice & Company Certified Public Accountants

Neil Silverstein ∙ Silverstein & Associates, an Accountancy Corporation

“Financial planning is

a holistic approach to

financial well-being.”

— Five Star award winner

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Donald A. Hunsberger

Advanced Estate and Business Planning Attorney

• More than 30 years of teaching and practicing advanced planning techniques

• Extensive attorney guidance throughout the entire process

• Assistance in realizing goals to safeguard your family and business

Areas of Focus: Estate Planning, Probate, Trust Administration, Business Law and Charitable Giving

Designations: MBA, JD, Professor of CLU®, CFP®, CHFC® and CEBS designations, Editor of National Planning Journal

Hunsberger Law Offices625 The City Drive South, Suite 345 • Orange, CA 92868

Office: (714) 663-8000

www.hunsbergerlaw.com

Hunsberger Law is a values-based law firm located in central Orange County that offers comprehensive legal experience and advice to clients across Southern California. We guide families, individuals and business owners with all the aspects of estate planning, probate, trust administration, business law and charitable giving.

Our mission is to provide quality estate planning and business services that accurately reflect your goals and safeguard your property. Every estate and business plan is truly unique and is based upon the client’s specific situation. Together, we can craft a plan that maximizes net worth, reduces taxation and avoids costly court interference.

Whether you are a newlywed, a growing family, own a home, or starting and running a business endeavor, Hunsberger Law Offices can help you. We work with you personally on a one-on-one basis and are available to guide you throughout the entire process.

Protect what you have earned and provide for your loved ones by using legal strategies to help secure everyone’s peace of mind.

Left to right: Abbey Moothart, Genene Hill, Alec Hunsberger,Five Star award winner Donald A. Hunsberger, Sarah E. Barb, Valerie Barrett, Elaine Watrous

Professional and Personal Service for Your Peace of Mind

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Derek Draper“The Diff erence Is That We Are Family and Clients Are Members.”

Areas of Focus: Intergenerational Wealth Transfers, 401(k) Roll-Overs

Left to right: Three-year winner Derek Draper, John Draper, Sr., Karen Thatcher, Suzanne Fjeldsted, Betty Draper

• Our core investment strategies have doubled over the last 10 years• Draper Wealth Management Group of Wells Fargo Advisors helps preserve and grow

intergenerational family wealthTitles/Designations: Derek Draper, CFP®, Vice President – Investments

John Draper, MBA, CFP®, Senior Vice President – Investments

Derek and John have 46 years of combined experience in wealth management. Wealth management means taking care of our clients, their families, their businesses and their employees as part of a long-term and consultative relationship. It’s best conceptualized as a platform where many diff erent sets of services and products are provided, beyond stocks,

bonds and mutual funds. Draper Wealth Management Group of Wells Fargo Advisors off ers a full-service model that covers investment planning, stock options and retirement planning. The Drapers take great pride in their great relationships with third and fourth generations of original clients.

24431 Calle De La Louisa, Suite 100 • Laguna Hills, CA 92653Office: (949) 768-9600 • Direct: (949) 768-8126

[email protected] • www.drapergorup.wfadv.comAdvisor 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 0212-0643B].Investment and Insurance Products:

NOT FDIC-Insured NO Bank Guarantee May Lose Value

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JillynHess-Verdon

Trust and Estate Planning and

Disputes Over Inheritance

Jillyn founded the law fi rm in 1990. Over the past 22 years, the fi rm has advised thousands of clients, and the net worth of their clients currently represented totals more than $7 billion. Jillyn has appeared numerous times on TV and radio as a legal expert and is a noted speaker on the subjects of advanced estate planning, special needs trusts for disabled family members, private and public foundations, and charitable planning.

Our legal team also handles cases after a death for administration of a trust or to resolve disputes over inheritance. We are dedicated to resolving disputes, whether this is done by settlement or litigation. Probate litigation requires a balancing of sensitivity to family relationships and an aggressive approach to litigation depending on each client’s particular situation.

Our estate planning is more eff ective, because we see what can go wrong with trusts and estates and know how to prevent those problems.

620 Newport Center Drive, Suite 1030 • Newport Beach, CA 92660Office: (949) 706-7300

[email protected] • www.hessverdon.com

Legal Advisory.

• Strategies for business owners and complicated family issues

• Legal team handles trust and probate litigation; more than 20 published appellate court opinions

• Admitted to U.S. Supreme Court; attorneys licensed in multiple states

Areas of Focus: Estate Planning, Business Planning, Special Needs Trusts, Charitable Planning

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Tracy Jackson and the JFM TeamThe Family CFO — Competence, Integrity, Maturity

Areas of Focus: Comprehensive Private Wealth Management and Financial Planning

Left to right: Joanna Hsu, Kevin K. Chung, Pamela Brown, four-year winner Tracy O. Jackson,2012 winner James A. Shanton, Justin Clare, Laurie Wearp, Christopher J. Rogers

• Solid track record of building lifelong relationships with clients• Nationally recognized: Bloomberg, Reuters and Financial Advisor• More than fi ve decades of combined experience in wealth managementDesignations: Three CFP® practitioners, One CFA® Charterholder and

Two Masters in Financial Planning

As your Family CFO, we provide a centralized solution for coordinating all aspects of your wealth for the benefi t of you and your future generations. We lead your team of professional advisors (including your CPAs, attorneys, insurance agents and bankers) in developing and implementing multigenerational wealth strategies. We provide you with the clarity and confi dence that comes with knowing that the details of your fi nancial life are being professionally managed in concert with

your personal goals, values and lifestyle.Based on our guiding philosophy that true sustainable wealth results from intelligent, disciplined decisions made over a long period of time, our comprehensive fi nancial planning and innovative global investment management solutions provide you with the framework for making and enacting sound fi nancial decisions that help lead to sustainable wealth throughout your lifetime.

Jackson Financial Management151 Kalmus Drive, Suite H7 • Costa Mesa, CA 92626

Office: (714) [email protected] • [email protected]

Publication rankings and/or other recognitions should not be construed as a guarantee that a client will experience a certain level of results, nor as a currentor past endorsement by any Jackson Financial Management client. A copy of Jackson Financial Management’s written disclosure statement is available upon request.

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Pence Wealth Management GroupLaila Pence, CFP® • E. Dryden Pence III • Five Star Award Winners

Planning and Asset Management ThatMakes a Difference

Left to right: Rory Hart, Martin Lombrano, four-year winner Laila Pence,two-year winner E. Dryden Pence III, Douglas Frazier, Richard Sorensen

• Nationally recognized by Barron’s magazine in their top 100 rankings for the last four years• Cash-fl ow focused investing — independent thinking — expert planning• Comprehensive fi nancial planning, retirement planning and asset managementTitles: LPL Registered Principals, LPL Financial Advisors, Ph.D., MBA

Designations: CFP®, CPM®, AIF®

Pence Wealth Management off ers broad, deep expertise across all aspects of a client’s fi nancial life: fi nancial and estate planning, investments, insurance and retirement.

Our approach focuses on client needs and goals independent of what is occurring in the global markets through fee-based management and unbiased advice that you can trust.

We make a diff erence in our clients’ lives by providing greater comfort regarding their income and confi dence regarding their wealth.

Pence Wealth Management advisors have been trusted by clients and their families nationwide for 32 years.

5000 Birch Street, Suite 7600 • Newport Beach, CA 92660 • 990 West 190th Street, Suite 500 • Torrance, CA 90502(949) 660-8777 • (800) 731-3623

[email protected] • PenceWealthManagement.com

CA Insurance License 0545421 • Barron’s rankings are based on assets under management, revenues the advisors generate for their firms and the quality of their practice.Securities and fee-based advisory services offered through LPL Financial, Member FINRA/SIPC.

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Dean TelloneActive Wealth Management to Help You Achieve Your Ideal Life

Areas of Focus: Asset Management, Financial and Estate Planning, Tax and Accounting Services

Left to right: Top row: Mark Clement, Steven Wolfe, four-year winner Dean Tellone, Derek Pantele, Bill VohsingBottom row: Urooj Sharif, Ronda McNe� , Emily Ashcroft

• As seen in Forbes, recognized as a “Leading Wealth Manager of Western U.S.”• Comprehensive fi nancial planning for individuals, businesses and estates• Active asset management to take advantage of market volatilityCERTIFIED FINANCIAL PLANNER™, CPA, Enrolled Agent, MBA, Life Agent

Helping you live your ideal life is Tellone Management Group’s top priority. The fi rm has designed a comprehensive fi nancial planning program to keep your total fi nancial house in order and fulfi ll your dreams. Founded in 1975 upon the principles of integrity, reliability and dedicated service, TMG prides itself on helping people attain their most important values

in life, with the highest probability of success. Through active management and personal care for each client, they maintain a 99-percent client retention rate. Above all, TMG is committed to enhancing their clients’ fi nancial health and independence by providing the best service and advice from top experts in the fi eld.

6200 East Canyon Rim Road, Suite 201 • Anaheim Hills, CA 92807Office: (714) 998-2290 • Fax: (714) 998-5613

[email protected] • www.tellone.com

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Jeannette M. Dobbyn

Character • CompetencyConsistency • Continuity

• Serve families’ needs for fi nancial guidance through all life events

• Investment advisory services and wealth management strategies to help grow and preserve wealth

• Provide comprehensive advice in a cohesive plan for the future

Title: First Vice President, Wealth Advisor, CFP® professionalLeft to right: John B. Lyon, three-year winner Jeannette M. Dobbyn and Stacy R. Stryker

The Lyon Dobbyn Group at Morgan Stanley Smith Barney defi nes a Financial Advisor as (1) an excellent listener who listens to and understands a client’s problems, concerns and needs; (2) one who translates these issues into a mix of investments tailored to the client’s specifi c requests and goals; (3) one who informs and educates, provides professional fi nancial advice and service tailored to specifi c requests and goals; and (4) one who, only then, implements a client’s decision. A relationship based on integrity, knowledge and eff ort is key to achieving one’s long-range goals.

10 Pointe Drive, Suite 400 • Brea, CA 92821Phone: (714) 674-4125 • Toll-free: (800) 794-7682

[email protected]/jdobbyn

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

Ken Camarella

It Is Not How Much We Know, but Rather How Much We Care

• Comprehensive team approach

• Your priorities shape the plan

• Superior service and integrity

Ken Camarella: Senior Vice President , Financial AdvisorGeorge Strnad: Senior Vice President, Senior Institutional Consultant, Financial AdvisorLeft to right: Five Star award winner Ken Camarella and George Strnad

For more than 30 years, our clients have been the foundation of our practice. They entrust us with enormous responsibility. Our practice adheres to the highest standards of ethical behavior. A key to successful investing lies in understanding the client’s goals and needs, and managing risk. Only when this is done can appropriate investments and strategies be employed. We are committed to providing our clients with a superior level of service within a competitive, fee-based practice.

Ten Pointe Drive, Suite 400 • Brea, CA 92821 Toll-free: (800) 375-3413

Ken: (714) 674-4112 • George: (714) 674-4133 [email protected] • [email protected]

fa.smithbarney.com/thenorthpointegroup


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Ferruzzo & Ferruzzo Team

Master Builders

• Implementing client values

• Maximizing asset transfers

• Preserving family harmony

James K. Leese, Cheryl L. Barrett, PartnersLeft to right: Three-year winners James K. Leese, Cheryl L. Barrett,two-year winner John G. Bradshaw

Estate planners at Ferruzzo & Ferruzzo, LLP architect plans that embody client goals and values. James Leese, a certifi ed specialist in estate planning, with a Master’s in Tax, orchestrates business succession and philanthropy into his clients’ plans. Cheryl Barrett combines her interest in special needs trusts with trust administration and probate matters. John Bradshaw blends corporate law and estate planning expertise. These lawyers build results that last beyond a lifetime. 3737 Birch Street, Suite 400 • Newport Beach, CA 92660

Phone: (949) 608-6900 • Phone: (714) 834-9322

www.ferruzzo.com

Loreen M. Gilbert

Wealth Management Redefi ned

• Retirement plan consulting

• Wealth management

• Financial planning

Title: President, WealthWise Financial Servic es

Designations: CIMA®, AIF®, CRC®, CLTC® Left to right: Two-year winner Loreen Gilbertand Team Members Cynthia Downey, Hannah Gruss, Joshua Kushner

“We work with families and businesses to integrate their money and their values so that both their values and their money outlive them,” says Loreen Gilbert, President of WealthWise Financial Services.Whether your goal is accumulating, protecting or transferring wealth, WealthWise Financial Services is your trusted partner. We are redefi ning wealth management by providing customized strategies and advice delivered with competence, integrity and care. In addition to being a wealth manager for more than 20 years, Ms. Gilbert is also the incoming president of National Association of Women Business Owners – OC and sits on the board of many philanthropic organizations.

9070 Irvine Center Drive, Suite 230 Irvine, CA 92618

Offi ce: (949) 748-1177 info@wealthwisefi nancial.com www.wealthwisefi nancial.com

Loreen Gilbert is a Registered Representative with and securities and financial planning are offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.

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Walt J. Hommerding

Navigating in the Uncertain World of Retirement

• Customized wealth management and preservation strategies

• Business owner and corporate executive services

• Dynamic asset allocation strategy with core/satellite philosophy

Designations: Senior Vice President – Investments, PIM Portfolio Manager

Through thoughtful listening, we help you develop a vision and execute a tailored plan to help accomplish your fi nancial lifestyle goals. Our belief is that “uninterpreted information” should be diff erentiated from “knowledge” to help achieve long-term success. This gap is bridged by virtue of Walt’s rare background in accounting at Price Waterhouse Cooper (audit and tax consulting), Assistant Vice President of a large real estate company to present as Senior Vice President – Investments with Wells Fargo Advisors. His career in wealth management spans 25 years, and he is one of the select advisors entrusted to manage discretionary portfolios.

Wells Fargo Advisors, LLC620 Newport Center Drive, Suite 1600

Newport Beach, CA 92660

Toll-free: (800) 779-6955Direct: (949) 759-4564

[email protected]

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 0212-1662 2/12].

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Iwamoto Kong Wealth Management Group

Signifi cance Beyond Success

• Global investment perspective

• Comprehensive wealth management

• Family focus, integrity, trust, results

CFA, CFP®, MBA, CRPC ®Left to right: Landon Yoshida, 2011 winner Megan Pierpont,two-year winner Rhonda Ducote, three-year winner Harmon Kong (seated)

At Iwamoto Kong, your wealth has signifi cance beyond its monetary value. Our goal is to build long-lasting, multigenerational relationships with our clients grounded in open communication, understanding, competence and integrity. We defi ne signifi cance beyond success as developing relationships with our clients that extend beyond fi nancial matters. 19200 Von Karman Avenue, Suite 1030

Irvine, CA 92612 Phone: (949) 253-8888

www.iwamotokong.com

A SEC-Registered Investment Advisory Firm.

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Floyd L. Schwartz

Utmost Integrity • 25 Years

• 1% of advisors honored for three years

• Featured in national publications

• Immaculate regulatory record

Titles: Registered Principal/ WM SpecialistDesignations: WMS, CFP®

We provide experience and expertise to help people navigate through this complex and diffi cult fi nancial environment. We pride ourselves on having a thorough understanding of our clients’ objectives, and provide viable solutions for fi nancial independence and wealth preservation for generations. Coordinated plan among your professionals, including CPAs and attorneys. Utilization of proven investment management techniques adopted by the largest endowments in the world.

2901 West Coast Highway, Suite 200 Newport Beach, CA 92663

Direct: (949) 270-2937 • Toll-free: (877) 858-7526

fl [email protected] www.raymondjames.com/fl oydschwartz

Raymond James Financial Services, Inc. Member FINRA/SIPC. Featured in On Wall Street magazine. Immaculate regulatory record — no complaints on record for entire 25 years in the financial services industry. 1.01% of the 13,411 licensed advisors in the Orange County area have been honored with the Five Star award for three years.

Monolithe Wealth Planning Group

Trusted, Strategic, Quality Advice

• Proactive wealth management

• Strategic, total relationship advisors

• Client objectives defi ne the path

Wealth Advisors

CRPC®, CRTP Left to right: Three-year winner Allen Ah You, 2010 winner Jane An and two-year winner Javier Vallejo

For more than a decade, our focus has been to provide unique client-centered strategies to high-net-worth individuals and families as well as smaller institutional clients. The Monolithe Group off ers the security and trusted, unbiased knowledge that comes with an independent fi rm. We are committed to ensuring an excellent client experience by providing unbiased, evolving strategies which make sense to investors in the current economy.

Monolithe Wealth Planning Group 19200 Von Karman Avenue, Suite 500

Irvine, CA 92612 Offi ce: (949) 477-8093 • Cell: (949) 400-6810

[email protected] www.MonolitheGroup.com

Securities offered through Investors Capital Corporation Member FINRA/SIPC. Advisory Services offered through Investors Capital Advisory.

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Helen H. Timpe

Portfolio Manager

• Comprehensive wealth management

• Works with foundations and assists with trust services

• Financial and cash-fl ow planning

Senior Vice President, Wealth Advisor

CFP® practitioner since 1985 Left to right: Monica Timpe-Godfrey, four-year winner Helen Timpe,Kate Je� rey and Jacqueline Bruce

The Timpe Group at Morgan Stanley Smith Barney is a family team headed by four-time winner Helen H. Timpe, CFP®, and daughter Monica Timpe-Godfrey, Vice President and Wealth Advisor. Flanked by Kate Jeff rey, CFP®, Relationship Manager, and Jacqueline Bruce, Client Service Associate, the team prides itself on educating clients through investment strategy sessions and personalized workshops. The Timpe Group's process focuses on clients' objectives, preserving wealth and tax-effi cient strategies. Helen has been named to the board of Laura's House and is a long-time member of the Tocqueville Society.

800 Newport Center Drive, Suite 700 Newport Beach, CA 92660

Direct: (949) 760-2401 • Toll-free: (877) 679-7678 [email protected]

www.morganstanley.com/fa/thetimpegroup

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Smith Barney Financial Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and their attorney for matters involving trust and estate planning and other legal matters.

Corinne Baughman

2030 Main St., Ste. 1400Irvine, CA 92614Offi ce: (949) 221-4000Direct: (949) [email protected]

• More than 25 years of experience• Dependable, personal service• Support short- and long-term fi nancial needs

Title: Tax Partner

Designation: CPA

Acumen • Agility • Answers

Corinne is committed to providing clients with dependable, personal service in all areas of their fi nancial lives. She provides personal fi nancial planning, tax planning, trust accounting, estate planning, business succession planning and tax preparation in multistate environments to high-net-worth clients, executives and family-owned businesses. Corinne works to develop highly integrated plans that support an individual’s short- and long-term fi nancial needs.

Mark E. Ansara

660 Newport Center Dr., Ste. 550Newport Beach, CA 92660Offi ce: (949) 644-1890, Ext. 4030Toll-free: (800) 441-2926, Ext. [email protected]

• Tactical risk-management strategies • Option-strategy specialist • Concierge level of service and support

Title: Partner

Member FINRA and SIPC

Trusted Advice. Exceptional Service.

Today’s markets require a broad understanding of numerous investment vehicles to plan and invest in an uncertain world. This knowledge includes potentially using equity options that can tailor an investment strategy to your particular investment goals. Aside from our specifi c investment expertise, having a fi nancial advisory team that can cater to your individual needs is critical to reducing the stress caused by fi nancial matters in an otherwise stressful world.

The material herein has been obtained from various sources and is not guaranteed by us as to accuracy or authenticity. The opinions expressed herein are those of the financial advisor and do

not necessarily reflect those of Crowell, Weedon & Co. its managers and/or partners.

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Gina Cereda

620 Newport Center Dr., Ste. 1600Newport Beach, CA 92660Offi ce: (949) [email protected]

• Wealth and estate investment planning service• Dedicated to providing excellent customer service• Serving high-net-worth families, business owners and executives

Focus: Investment Planning

Title: First Vice President – Investments

Service and Integrity

Gina thanks her clients for their business and for selecting her for this honor. Gina is at the center of her clients’ investment planning and is happy to work with her clients’ tax advisors, attorneys and pension advisors to help meet goals. Gina has served her clients’ fi nancial needs for more than 16 years and will continue to have high-service standards including frequent communication and quarterly reviews.

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 0212-1157].

Linda Dunbar

9870 Research Dr.Irvine, CA 92618 Offi ce: (949) 355-3173 [email protected]

• Experienced and knowledgeable • Customized investment strategies • Personalized client support

Titles: Investment Director/Financial Advisor

Cooper McManus is a SEC-Registered Investment Advisory Firm Securities offered through Securities America, Inc. A registered Broker/Dealer. Member FINRA/SIPC. Linda Dunbar, Registered

Representative. Cooper McManus and Securities America are not affiliated. California Insurance License No. 0E55967 .

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Terry Benson

Wells Fargo Advisors, LLC 5000 Birch St., 10th Fl. Newport Beach, CA 92660

Offi ce: (949) 253-4497 Toll-free: (888) 850-8522

[email protected]

• Personal attention with exceptional service • Customized investment management • Retirement and investment estate planning

Vice President – Investments, Senior Financial Advisor

Private Investment Manager

Trusted Advice. Exceptional Service.

I, along with my partner Mike Buntzen, thank our clients for their continued trust and partnership. It is our honor to be working with you and to help you achieve your fi nancial and life goals. In our practice, we devote ourselves to the unique needs and special situations of our clients, and strive to deliver straightforward, unbiased fi nancial advice.

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-0212-00629].Investment and Insurance Products:

Not FDIC-Insured NO Bank Guarantee MAY Lose Value

Jeff Duncan

18400 Von Karman Ave., Ste. 400 Irvine, CA 92612 Offi ce: (949) 474-6815 jeff [email protected]

• Comprehensive planning process • Helping to build, manage and protect your wealth • Professional service team committed to you

Process, Clarity, Action

Our aim is to provide a comprehensive and coordinated planning process for our clients. In the fi nancial planning process, we help to develop a clear and accurate assessment of your total situation. Motivation is a byproduct of clarity. Our process is designed to place you on a focused and intentional path to reaching your fi nancial objectives . Jeff Duncan is a registered representative of Lincoln Financial Advisors Corp. Securities offered through Lincoln Financial Advisors Corp., a broker-dealer (member SIPC). Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors Corp., a registered investment advisor. Insurance offered through Lincoln Marketing and Insurance Agency, LLC and Lincoln Associates Insurance Agency, Inc. and other fine companies. CRN201202-2064688.

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Thomas McKenzie

2631 Copa De Oro Dr.Los Alamitos, CA 90720Phone: (800) [email protected]

• Estate planning, trusts, wills • Financial advice and services • Elder law asset protection strategies

Titles: Attorney and Financial Counselor

Designations: JD, RFC

One-Stop Legal and Financial Solutions

McKenzie Law Firm is one of Southern California’s only independent, full-service estate planning, fi nancial consulting and elder law fi rms. Clients are treated to a smorgasbord of options, ranging from living trusts and wills to comprehensive fi nancial, investment and estate planning services. This unique approach enables the fi rm to provide exceptional service at less cost. For more than 15 years, McKenzie Law Firm has been a popular choice for consumers of all ages.

Brokerage, investment and financial advisory services are made available throughNPB Financial Group, LLC, Member SIPC, MSRB and FINRA.

Bruce Duquette

4100 Newport Pl., Ste. 100Newport Beach, CA 92660Offi ce: (949) 863-2499 Title: Financial Advisor

Comprehensive Wealth Management SolutionsInvestment products are not a deposit, are not FDIC insured, are not guaranteed by the bank, may lose value and are not insured by any federal government agency. Investment products and services are o� ered through U.S. Bancorp Investments, Inc. member FINRA and SIPC, an investment adviser and brokerage subsidiary of U.S. Bancorp and an a� liate of U.S. Bank. To receive the 2012 Five Star Wealth Manager award, researched and managed by Five Star Professional, a wealth manager must be nominated by either a peer or by their � rm. In the case of representatives of U.S. Bancorp Investments, nominations are made by either the individual’s Region or Division Manager. Nominees were then evaluated using a list of 10 objective criteria and feedback from consumer surveys. Consumer surveys are promoted via local advertising, through the Five Star Professional website and by Five Star Professional contacting households identi� ed as having a high propensity to use the services of wealth managers. Those wealth managers who satisfy the criteria were named a Five Star Wealth Manager. Find full measurement formulas and information on www.� vestarprofessional.com. The 2012 Five Star Wealth Managers do not pay a fee to be included in the research or the � nal list of Five Star Wealth Managers, but may pay for licensed use of the Five Star emblem and award. 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. The Five Star Award is not indicative of the wealth manager’s future performance. 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 Orange Coast magazine.

Gary Hutto

1301 E Lincoln Ave., Ste. H Orange, CA 92865 Phone: (714) 282-9670 Toll-free: (888) 403-2872 [email protected] www.huttodean.com

• The highest commitment to customer service • Proprietary asset allocation models to fi t your needs • A+ rated by the Better Business Bureau

Registered Securities Principal

Registered Investment Advisor

Chose Your Path … We'll Do the Rest

With more than 25 years of experience, Gary has counseled thousands of individuals with their retirement and wealth management needs all across Southern Cal. As an independent fi nancial advisor, he utilizes numerous tools to provide unbiased recommendations to maintain the utmost level of integrity. His strategic asset management models have helped clients understand, more clearly, their retirement plans for years.

Gary Hutto is a Registered Securities Principal with GWN Securities, Inc., Securities offered through GWN Securities, Inc., 11440 N Jog Rd., Palm Beach Gardens, FL 33418. Member FINRA/

SIPC. Investment advisory services offered through GWN Asset Management, a Registered Investment Advisor. Hutto Dean is not an affiliate of GWN Securities, Inc.

Donovan Ritter

LPL Financial 4000 Birch St., Ste. 201DNewport Beach, CA 92660

Offi ce: (949) 743-5206

[email protected]

• Comprehensive wealth management • Active and alternative investment strategies • Financial planning and insurance protection

LPL Financial Planner

Chartered Life Underwriter®

Helping Clients Navigate Volatility

For 17 years, I have developed and nurtured long-term relationships with clients by helping them implement a plan to pursue fi nancial independence. I do this by understanding each client’s specifi c goals and risk tolerance and then combining diff erent asset allocation approaches and investment managers, each bringing their own perspectives and responses to the markets. The end result is a portfolio that attempts to better navigate volatility and keep my clients on course.

LPL Financial, Member FINRA/SIPC.

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Louis Windawi

1422 Edinger Ave., Ste. 220Tustin, CA 92780Phone: (714) [email protected]

• Wealth management and retirement income strategies• Extensive IRA training by Ed Slott, CPA• Comprehensive fi nancial planning

Areas of Focus: Retirement, Investment, Tax and Estate Planning

Designations: CFP®, AWMA®

Generating Income for a Lifetime

Louis and his team specialize in addressing the needs of retirees by creating strategies to generate income, reducing risk, simplifying investment decisions and providing ongoing advisory services to help clients retire confi dently. Louis’ clients are transitioning into retirement and need to start generating income they can rely on for the rest of their lives. His comprehensive approach is proactive, requiring his clients’ involvement, which gives clients confi dence so they can transition securely into retirement.

Louis Windawi is a branch manager with, and securities/advisory services are offered through,LPL Financial, A Registered Investment Advisor. Member FINRA/SIPC.

Suzanne Sellars

1901 Main St., PenthouseIrvine, CA 92614Phone: (949) [email protected]

• Comprehensive wealth management • Retirement and wealth accumulation planning • Investment allocation strategies

Titles: Financial Planning Specialist, Vice President – Investments, Financial Advisor

Committed to Advancing Your Interests

Suzanne has been providing counsel to distinguished clientele for a period of 32 years — the fi rst three years headquartered in New York City. With the foundation of the research and support services of Morgan Stanley Smith Barney, Suzanne looks forward to the future with a resolve consistent with the Emersonian admonition: “These times, like all times, are good times; if we but know what to do with them!” Suzanne’s full commitment will be to isolate niche opportunities better to serve and potentially increase client wealth consistent within that context.


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Top five questions that wealth managers want clients to answer:

1. What are your goals and objectives with your finances?

2. What is your most pressing need right now?

3. Where do you see yourself in 5, 10, 15 years?

4. Where are all of your assets invested now?

5. What is important about money to you?

From research conducted by Five Star Professional, April 2011

Alex Salcedo

4180 Barranca Pkwy . Irvine, CA 92604 Phone: (213) 500-1053 [email protected] www.usbank.com Title: Financial Advisor

Comprehensive Wealth Management SolutionsInvestment products are not a deposit, are not FDIC insured, are not guaranteed by the bank, may lose value and are not insured by any federal government agency. Investment products and services are o� ered through U.S. Bancorp Investments, Inc. member FINRA and SIPC, an investment adviser and brokerage subsidiary of U.S. Bancorp and an a� liate of U.S. Bank. To receive the 2012 Five Star Wealth Manager award, researched and managed by Five Star Professional, a wealth manager must be nominated by either a peer or by their � rm. In the case of representatives of U.S. Bancorp Investments, nominations are made by either the individual’s Region or Division Manager. Nominees were then evaluated using a list of 10 objective criteria and feedback from consumer surveys. Consumer surveys are promoted via local advertising, through the Five Star Professional website and by Five Star Professional contacting households identi� ed as having a high propensity to use the services of wealth managers. Those wealth managers who satisfy the criteria were named a Five Star Wealth Manager. Find full measurement formulas and information on www.� vestarprofessional.com. The 2012 Five Star Wealth Managers do not pay a fee to be included in the research or the � nal list of Five Star Wealth Managers, but may pay for licensed use of the Five Star emblem and award. 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. The Five Star Award is not indicative of the wealth manager’s future performance. 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 Orange Coast magazine.

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Churchill Management Group5900 Wilshire Blvd., 4th Fl.Los Angeles, CA 90036Phone: (949) 916-9400Title: Vice President

Michael Friedman

With more than 26 years in the investment industry, Mr. Friedman is a Registered Investment Advisor Representative and is currently a Vice President of client relations with Churchill Management Group, which was founded in 1963.

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7777 Center Ave., Ste. 120 Huntington Beach, CA 92647 Direct: (714) 799-0774, Ext. 3 [email protected] www.haberlwealth.com LPL Financial Consultant

Chris Haberl

Chris has been advising clients for 19 years. He has vast experience with the intricacies of investment, tax, financial and estate planning. He counsels retirees and pre-retirees with retirement and investment strategies.

Securities o� ered through LPL Financial, Member FINRA/SIPC.

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8001 Irvine Center Dr., Ste. 800 Irvine, CA 92618 Phone: (949) 341-7803 [email protected] www.morganstanley.com/fa/kevin.donohue Financial Advisor, CFP®, ChFC®

Kevin P. Donohue

Kevin's approach is based on the principal that a thorough understanding of a client's situation and needs is essential to developing, implementing and monitoring a successful financial plan. This balanced strategy will help you to achieve your financial goals .


Sagemark Consulting/Lincoln Financial 18400 Von Karman Ave., Ste. 400 Irvine, CA 92612 Phone: (949) 660-0661 www.mariedraper.com CERTIFIED FINANCIAL PLANNER ™

Marie Cadwallader Draper

Ms. Draper is a registered representative offering securities through Lincoln Financial Advisors.

Broker/Dealer Member SPIC. Investment Advisory Services through Sagemark Consulting.

CRN201012-2049093.

Wells Fargo Advisors, LLC 620 Newport Center Dr.,Ste. 1600 Newport Beach, CA 92660 Direct : (949) 759-4537 [email protected] home.wellsfargoadvisors.com/john.fierro

Vice President – Investments

John Fierro

John Fierro is a CERTIFIED FINANCIAL PLANNER™ professional with 19 years of experience advising high-net-worth clientele. His focus is concentrated in the areas of estate investment planning, retirement income planning and wealth preservation. Advisor selection is not re� ective 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 0212-3414].

Cole Insurance &Financial Services 675 Placentia Ave., Ste. 250Brea, CA 92821Phone: (714) 255-5161barbaracole@ft.newyorklife.comwww.thecolegroup.netDesignations: CLU®, CLTC®, CFP®

Barbara L. Cole

Proudly serving Southern California since 1987.

Barbara Cole is a Registered Representative o� ering securities through NYLIFE Securities LLC., Member FINRA/SIPC. Financial adviser

o� ering investment advisory services through Eagle Strategies LLC, a Registered Investment Advisor. Cole Insurance Financial Services is

not owned or operated by NYLIFE Securities LLC or its a� liates.

Newport Beach, CA 92660Phone: (800) [email protected]

Title: Chairman and CEOFocus: Legacy Wealth Planning

Michael L. Cruz

Again, we’re honored to have Michael be recognized as a Five Star Wealth Manager. As always, client satisfaction remains our primary objective. We thank our clients and industry professionals for the privilege to serve them and promise to continue Courtlandt’s tradition of integrity, service and performance.

Established 1995

16 Corporate Plz. Dr. Newport Beach, CA 92660 Office: (949) 717-5500 [email protected] www.northerntrust.com Senior Vice President and Senior Wealth Advisor

Frank D. DiFerdinando

Frank D. DiFerdinando, CPA, PFS, is a senior vice president and senior wealth advisor in the Newport Beach office, responsible for working with clients and their advisors on comprehensive and integrated goals-driven wealth management.

3020 Old Ranch Pkwy., Ste. 190 Seal Beach, CA 90740 Direct: (562) 533-6796 [email protected] home.wellsfargoadvisors.com/dave.a.boyer Associate V.P. – Investment Advisor

David A. Boyer

David A. Boyer, MBA, has a disciplined approach that is seasoned with integrity and advice based on experience. He strives to identify client objectives, address individual investment styles and ensure that financial questions are answered in the context of the whole financial picture. Advisor selection is not re� ective 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 0212-4020 2/23/2012].© Fi

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10 Pointe Dr., Ste. 400 Brea, CA 92821 Direct: (714) 674-4108 [email protected] fa.smithbarney.com/robertrumishek

Sr. Vice President, Financial Planning Specialist , Financial Advisor, CFP®

Robert A. Rumishek

Bob focuses on the four pillars of wealth management: investment, risk, liabilities and the process of passing on wealth from one generation to another. Bob is firmly committed to long-term relationships and strives to deliver exceptional personalized service.


18400 Von Karmon Ave., Ste. 400 Irvine, CA 92612 Office: (949) 623-1786 [email protected] aegisfinancialpartners.com ChFC®, CRPC®, CFS®, MBA

Michael L. Tuz

With more than 25 years in the financial services industry, Mike has a customized approach for financial life planning to help clients meet their future financial goals.

Mike Tuz is a registered representative of Lincoln Financial Advisors Corp. Securities and investment advisory services through Lincoln

Financial Advisors, a broker/dealer (member SIPC) and a registered investment advisor. CRN201202-2064157.

TMH Financial, Inc. 895 Dove St., Ste. 300Newport Beach, CA 92660Office: (949) [email protected]/tina.hum CFP®, LPL Registered Principal

Tina Hum

Tina has been a financial services professional for 23 years and a CERTIFIED FINANCIAL PLANNER™ since 1994. Her emphasis is personal financial planning for pre-retirees, professionals and small-business owners.

Securities and Financial Planning o� ered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.

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4695 MacArthur Ct., Ste. 480 Newport Beach, CA 92660 Phone: (949) 622-9000 [email protected] www.newportadvisory.com Title: Principal

Lisa L. Lockerman

For more than 20 years, Lisa has been helping busy executives and business owners create a life and legacy by design, not default.

Financial Planning Services o� ered through Newport Advisory, Inc., a Registered Investment Advisor. Investment Advisor Representative,

Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Registered Principal, Securities o� ered through

Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Newport Advisory, Inc. and Cambridge are not a� liated.

CA Insurance License 0G56777 and 0822719.

9870 Research Dr. Irvine, CA 92618 Office: (949) 788-1817 [email protected] www.sydneyriccio.com Financial Advisor and Registered Representative

Sydney Riccio

Our mission is to help our clients pursue their goals and dreams. We go beyond the numbers to understand, clarify and simplify. Integrity, independence, agility and personal relationships are core to our practice. Securities o� ered through Securities America, Inc. a Registered Broker Dealer, Member FINRA/SIPC. Sydney Riccio, Registered Representative. Advisory services o� ered through Cooper McManus, a SEC-Registered Advisory � rm. Securities America, Cooper McManus and Riccio Wealth Management Advisors are una� liated. CA Insurance License #0E01624.

The Law Offices ofH. Brooks Travis, PC 28202 Cabot Rd., 3rd Fl.Laguna Niguel, CA 92677Office: (949) [email protected] Planning, Trusts, Probate, Charitable Giving, Special Needs

H. Brooks Travis

We are a member of the American Academy of Estate Planning Attorneys. As Academy members, we are dedicated to educating our clients and to providing the tools needed to protect our clients’ estate for the ones they love. Our firm makes estate planning a positive and fulfilling experience.

Winthrop Taylor Financial, Inc. 241 Avenida Del Mar San Clemente, CA 92672 Phone: (949) 369-2525 Toll-free: (877) 369-2529 [email protected] WinthropTaylor.com

Mark Taylor

Winthrop Taylor Financial is dedicated to providing our clients with exceptional care and service, while helping them pursue their financial goals and dreams. Mark has been working with families and businesses since 1983.

Securities o� ered through Securities America, Inc., member FINRA/SIPC. Advisory services o� ered through Securities America Advisors, Inc.

Winthrop Taylor Financial, Inc. and the Securities America companies are una� liated. CA Insurance License # 0654835.

332 Forest Ave., Ste. 18 Laguna Beach, CA 92651 Phone: (949) 715-7675 [email protected] www.lagunafinancial.com Financial PlannerCFP®, AIF®, ADPA

Kate Hewell

At Laguna Financial Group, we work with individuals and families in navigating life’s transitions and achieve long-term goals. We pride ourselves on maintaining long-term relationships with superior service and proactive, ongoing communication.Laguna Financial is a SEC-Registered Investment Adviser, pending State registration. Advisory services are only o� ered to clients or prospective clients where Laguna Financial and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Laguna

Financial unless a client service agreement is in place.

18101 Von Karman Ave., Ste. 1290 Irvine, CA 92612 Phone: (949) 222-6400 [email protected] Vice President, AIF®, CRPC®, AWMASM, CFP®

Avi K. Pai

Avi is a four-time winner of the Five Star Wealth Manager award. He provides comprehensive financial planning and investment advice. He measures the success of a relationship by how educated, informed and comfortable you will be.

Securities and advisory services o� ered through LPL Financial, Member FINRA/SIPC, a Registered Investment Advisor. Insurance products o� ered through LPL Financial or its licensed a� liates.

Not FDIC Insured Not Bank Guaranteed May Lose Value

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2012 five star five star 2012 orange county wealth managers Œ

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