Source: Barron’s “Top 1000 Financial Advisors,” February 6, 2009, as identified by Barron’s magazine, using quantitative and qualitative criteria and selected from a pool of over 3,000 nominations. Advisors in the Top 1000 Financial Advisors have a minimum of seven years of financial services experience. Qualitative factors include, but are not limited to, compliance record, interviews with senior management, and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client’s experience and is not indicative of the Financial Advisor’s future performance. Financial Advisors do not pay a fee to Barron’s in exchange for the rating. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved
NABCAP: “Premier Wealth Advisors”, The South Florida Business Journal, December 14, 2012,
Over 5,000 direct contacts and over 40,000 indirect contacts were made to seek participation and/or nomination of participants in the Premier Wealth Advisor Program. The number of individuals contacted varies based on the size of the local market. NABCAP uses a methodology that it has created that includes both quantitative and qualitative criteria including, but not limited to financial planning, education, experience, and compliance record. NABCAP contracts with Rank Premier Advisors to administer its evaluation process. NABCAP’s evaluation and ranking program (including the evaluation and validation
The views expressed herein are those of the author. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past performance is no guarantee of future results. The author does not accept any liability whatsoever for any loss or damage arising from any use of this book and its contents. All data and information and opinions expressed herein are subject to change without notice.
This book does not provide individually tailored investment advice. This book contains general information only, does not take account of the specific circumstances of any reader, and should not be relied upon as authoritative or taken in substitution for the exercise of judgment by any recipient. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. The strategies and/or investments discussed in this material may not be suitable for all investors. The author recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor and their tax and legal advisors. Under no circumstances should this publication be construed as a solicitation to buy or sell any security or to participate in any trading or investment strategy, nor should this book, or any part of it, form the basis of, or be relied on in connection with, any contract or commitment whatsoever. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. Each reader should consider the appropriateness of any investment decision as it regards to his or her own circumstances, the full range of information available and appropriate professional advice.
The value of, and income from investments may vary because of changes in interest rates or foreign exchange rates, securities prices or market indexes, operational or financial conditions of companies, geopolitical or other factors.
Past performance is not necessarily a guide to future performance. Estimates of future performance are based on assumptions that may not be realized. The information and opinions in the book constitute judgment as of the date of publication, have been compiled and arrived at from sources believed to be reliable and in good faith (but no representation or warranty, express or implied, is made as to their accuracy, completeness or correctness) and are subject to change without notice.
The information provided is based on tax laws currently in effect and is subject to change. There is a possibility that current tax legislation will be amended or repealed in the future. In that case, the outcome of these planning ideas may not be as advantageous. None of the information herein is to be considered tax advice. All ideas are intended to represent tax facts at the time of publication and are subject to change without notice. All ideas must be reviewed by your tax legal and financial advisors based on your individual situation. Tax laws are complex and subject to change. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.
Any Tax information contained in this book is general and not exhaustive by nature. It is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding U.S. federal tax laws. Pursuant to the rules of professional conduct set forth in Circular 230, as promulgated by the United States Department of the Treasury, nothing contained in this book was intended or written to be used by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer by the Internal Revenue Service and it cannot be used by any taxpayer for such purpose. Federal and State tax laws are complex and constantly changing.
Asset allocation and diversification do not guarantee a profit or protect against a loss.
Bonds are subject to interest rate risk. When interest rates rise, bond prices fall; generally the longer a bond’s maturity, the more sensitive it is to this risk. Bonds may also be subject to call risk, which is the risk that the issuer will redeem the debt at its option, fully or partially, before the scheduled maturity date. The market value of debt instruments may fluctuate, and proceeds from sales prior to maturity may be more or less than the amount originally invested or the maturity value due to changes in market conditions or changes in the credit quality of the issuer. Bonds are subject to the credit risk of the issuer. This is the risk that the issuer might be unable to make interest and/or principal payments on a timely basis. Bonds are also subject to reinvestment risk, which is the risk that principal and/or interest payments from a given investment may be reinvested at a lower interest rate. International bonds are subject to these and other additional risks such as increased risk of default, greater volatility and currency risk.
Equity securities may fluctuate in response to news on companies, industries, market conditions and general economic environment. Companies paying dividends can reduce or cut payouts at any time.
The case studies presented are for educational and illustrative purposes only and do not indicate future performance.
Past performance is no guarantee of future results. Investment results may vary. Any investment strategies, products and services presented are not appropriate for every investor. Individual clients should review with their Financial Advisors the terms and conditions and risks involved with specific products or services. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. All of the illustrations throughout the book are hypothetical and not intended to demonstrate the performance of any specific security, product or investment strategy.