Wells Fargo Advisors – Chad R. Bester

Financial Guidance for Multiple Generations

Math was a strength for Chad R. Bester, and he originally meant to turn that into an engineering career.

But the numbers added up differently. He liked to trade baseball cards – and bought the company’s stock. He found himself following the business news. He was drawn to investing, opened a Roth IRA – and earned an internship with Wells Fargo. He became a Financial Advisor in 2002. Today, Bester, CFP®, Senior Financial Advisor and Senior Vice President-Investments, guides clients in building their financial futures.

Spectrum Investment Advisors

Investment Strategies in the Seventh Year of a Bull Market

Lessons learned from providing nearly 20 years of investment advice.

1. They don’t fire a starting gun to mark the arrival or the end of a bull market. Trying to call market bottoms or market tops is something few investors can do. Rather than try to become a market-timer, unless you are in your 20s or 30s, we suggest balanced portfolios over the long haul to stay ahead of inflation, while at the same time, not taking too much risk.

Rubin and Rudman LLP

A Solid Reputation Built on a Century of Innovation and Collaboration

There is no substitute for experience when it comes to legal representation in today’s complex world. For Rubin and Rudman LLP, that experience spans nearly 100 years of serving New England’s most prominent businesses, public institutions, privately held corporations and families, as well as high-profile companies based throughout the United States and around the world. One of only four Boston law firms to be recognized as a top-rated law firm by LexisNexis®, Martindale-Hubbell® and Fortune magazine, Rubin and Rudman offers a breadth of expertise that comes from having over 75 attorneys in 17 specialized practice areas.

Crown Haven Wealth Advisors

CDM Software Solutions, Inc.Guaranteed Investment Safety, With Growth on Top, for Life 

Casey Marx wanted to be a child psychologist, but life wanted him to be a wealth advisor. People across the country are glad he followed the second path.

Marx’s choice of psychology was a result of his feelings following his father’s death when he was 15. Deeply affected by this loss, he entered college with the goal of pursuing a clinical profession. But the story took a turn. Marx’s mother experienced terrible financial losses in the market. “I’ll tell you, there is not a more helpless feeling in the world than witnessing that type of financial devastation and feeling responsibility to your family and not knowing what to do,” he says. “Sometimes knowledge comes out of necessity. And for me, the direction became the financial field, studying markets, trying to make sense of the world and how to brave the storm.”

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111 Wealth Management Group at Morgan Stanley

CDM Software Solutions, Inc.

Catering to the Unique Needs of Highly Affluent Investors

Spend a few minutes speaking with Kelly E. Dougherty, Kathleen M. Valentine and Andrew R. Clark, CFP®, Financial Advisors, about their wealth management practice, and you’ll get a sense of their values. “We strive to provide a client experience that produces a sense of contentment and confidence; we want our clients to feel we are caring and trustworthy,” says Dougherty.

Their practice, the 111 Wealth Management Group at Morgan Stanley, focuses on serving the needs of high- and ultra-high-net worth families, family offices, small institutions and foundations.

Brinen & Associates, LLC

CDM Software Solutions, Inc.

Law Firm Levels the Legal Playing Field for Small and Mid-Cap Businesses

Clients of Brinen & Associates, LLC are swimming with the big sharks. These small to midcap companies are directly competing with businesses many times their size, anywhere in the world, anytime. “Technology makes it possible for small businesses to enter the marketplace and gain share. But at the same time, executives of these companies report their most important problems are the growing burden of taxes and government red tape,” says Joshua Brinen, founder and principal of the New York City law firm that focuses on the needs of public companies, private companies, small businesses, startups and those who run them.

Bel-Air Wealth Management at UBS Financial Services Inc.

CDM Software Solutions, Inc.

Advice Beyond Investing

One of the significant effects of the Great Recession that began in late 2007 was a sobering change in the attitudes of individual investors. Many investors are now looking for trustworthy advisors. “Trust has become more important than performance because people recognize their advisors are professionals who help solve very personal problems affecting generations for decades ahead,” says John Acker, CFP®, CIMA®, senior vice president at Bel-Air Wealth Management in Century City, California. “As Financial Advisors, we often deal with individuals experiencing a transition in their lives such as retirement, selling a business, caring for a loved one or the transition of assets from one generation to the next. We act as a family’s CFO and help address life’s certainties: family members are getting older and health issues are likely to arise, children will need an education, outstanding obligations must be met, and meaningful legacies should be planned.”

Pollock Financial Group

CDM Software Solutions, Inc.

PFG™ Integrates Diversified Financial Services For Affluent Investors and Corporations The rural countryside of the South San Francisco Bay area was giving way to an industrial transformation in 1960. The world was about to be introduced to “Silicon Valley” and venture capitalism. With fortunes changing as quickly as the landscape, entrepreneurs, innovators, executives, stockholders and others in Northern California found a trustworthy source of exclusive financial services they needed as James M. Pollock founded Pollock Financial Group (PFG) that year. PFG has safely steered an elite clientele through 55 years of economic opportunities and downturns. “Of the more than 2,000 clients we’ve served, most are risk takers who energize our economy. We make sure they’re not taking unnecessary risks with their personal assets and business financial plans,” says Pollock, PFG President and CEO.

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The Bermont/Carlin Group at Morgan Stanley

CDM Software Solutions, Inc.

Wealthy Investors Need Trusted Advisors

Volatility may be the “new normal” in the investment world, but nothing is ordinary about the current marketplace. “This is not the time to ‘set it and forget it.’ Active management of portfolios is timeconsuming but crucial in the market environment we are seeing today,” advises Adam E. Carlin, Managing Director – Wealth Management of The Bermont/Carlin Group at Morgan Stanley in Coral Gables, Florida.

Founded in 1974, The Bermont/Carlin Group provides highly personalized wealth management advice, focusing on the complex needs of a limited number of families and organizations with considerable assets to invest.


Brunner Financial & Insurance Solutions

CDM Software Solutions, Inc.

Creating Efficiencies to Maximize Retirement Income

Most people above a certain age know that when E.F. Hutton talked, people listened. But how many people know why they listened to the legendary stockbroker?

“His clients loved him because they got a check every month and they had tax diversification and better tax treatment,” says Kevin Brunner, who still follows that model. “You earned a reasonable rate of return, compounded every year. His model gave them some consistency and some certainty in retirement.”

As Brunner explains, “Retirement is all about income. It’s not about assets, because not all assets generate the same income. Retirement is all about the efficiencies, safety and control of the accumulation of assets and converting those assets into income.”