Tradewinds Financial Group Inc.

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Plan, Preserve, Protect

 

When he opened his financial adviser firm in 2002, David Gaylor remembers seeing a number of new clients still numb from the latest recession.

“At the time, some people had lost half or more of their life savings. They would bring six months of unopened brokerage statements and say, ‘I can’t
deal with this any more,’ ” Gaylor recalls. “A lot of them weren’t getting a whole lot out of the traditional brokerage world. In many cases, 90 percent of their life savings had been put at risk.”

Gaylor knew it didn’t have to be that way. He founded Tradewinds
Financial Group Inc. with its primary goal to focus on asset preservation, serving the retirement needs of baby boomers and the elderly.

“I use safe and secure investments for a good-sized part of someone’s portfolio,” Gaylor says. “It’s critical to follow financial planning fundamentals.”

On the other hand, Gaylor is not a fan of traditional market mantras like a buy-and-hold strategy. “Why just wait for the market to go up or down?” he says. “It doesn’t make sense to me to lose 30 or 40 percent because someone says, ‘Hang in there, it will come back.’ We work with private wealth managers who are very proactive and will rotate cash in a time of crisis.”

Gaylor’s emphasis on asset preservation is based on his belief that “retirement is not about getting rich and hitting a home run. It’s about avoiding strikeouts. Avoid the big mistakes and you are going to have a successful retirement.”

A Legacy Financial Adviser Firm
Gaylor believes his asset preservation strategy is even more needed at a time when longevity is the greatest risk to retirement savings. He notes statistics show that for a couple who retire at 62, there is a 50 percent chance one is still going to be alive in 30 years.

“Therefore our major approach is to determine income needs, then find a way to generate income to cover basic needs and invest the rest for growth,” Gaylor says.

Gaylor, a financial planner for 25 years and a lifelong resident of Sidney, is planning for his own firm’s future. This year his daughter, Aubrey Stutz, joins the firm as an investment adviser. “She is a very thorough technician and adds a fresh perspective as well as a female point of view,” Gaylor says.

Remembering those unopened statements from clients not well served by big brokerage firms, Gaylor says his firm offers the Greater Miami Valley region from Dayton to Lima much-needed independent financial advice.

“We aren’t affiliated with a large Wall Street bank or investment firm. We don’t have anyone dictating what products are best for our clients. We honor our fiduciary duty and always work with our client’s best interests.”

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100 S. Main Ave. | Suite 101B
Sidney, OH 45365

937-492-6016 | tradewindsretirement.com

Investment advice is offered by Horter Investment Management, LLC, a Registered Investment Adviser. Insurance and annuity products are sold separately through Tradewinds Financial Group Inc. Securities transactions for Horter Investment Management clients are placed through Pershing Advisor Solutions, Trust Company of America, Jefferson National Monument Advisor,
Fidelity, Security Benefit Life, FC Stone and Wells Fargo Bank, N.A.

The Business Wealth Preservation Group, LLC

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For Privately Held Businesses,
There Is a Better Way

 

Why do big companies seem to get all the tax breaks? How do their executives use the tax code to get compensation, benefits and retirement perks? Why, unlike the big companies, are almost all small companies’ business assets and owners’ personal assets at risk for litigation? Are these small companies really building the kind of wealth their owners thought they would? …Read More

Lebin Financial Planning

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The Psychology of Wealth Management

 

When it comes to wealth management, minutes matter. The right decision at the right time can mean the difference between success and failure. The “buy and hold” philosophy that so many financial advisors once followed is particularly risky for individuals approaching retirement.

“The world is changing quickly, and we have to be flexible enough to change with it,” says Scott Lebin, RFC/CWS®, president of …Read More

Huffman-Mayer Wealth Management Group

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Huffman-Mayer Wealth Management Group
of Wells Fargo Advisors

Putting Clients and Community First

 

Clients are one thing. Clients you run into at the grocery store or at the Friday night football game are another. “If the clients aren’t completely happy with the work you’re doing for them, those chance encounters can be awkward,” says James Mayer, Senior Vice President – Investments of Huffman-Mayer Wealth Management Group of Wells Fargo Advisors. “Because our group makes a conscious effort to be visible in our community, we work doubly hard to make sure those clients are satisfied with the level of service they receive from us. Then we can relax and be as happy to see them as they are to see us. It’s part of the culture of Wells Fargo Advisors to contribute to the communities in which we work and live.” …Read More

AvMed

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Award-Winning Personalized Service Makes
AvMed Florida’s Trusted Health Partner for Life

 

Giving people more power to manage their own health and well-being is just what the doctor ordered. 

For more than 300,000 Floridians, AvMed is an indispensable health partner that does more than simply pay claims. It supports them as they make their own proactive decisions to live healthier, choose the most appropriate care for acute and chronic conditions, and select from a statewide network of excellent provider partners. …Read More

North Highland

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Global Consultancy Group Specializes in
Florida’s Economy

 

North Highland entered the Florida market in 1997, just six years after the firm’s founding. Its groundbreaking approach to management consulting – attracting the best consultants by minimizing long assignments away from family and making them owners – was already proving to be a successful business model in Atlanta. Where better to find the cream of the crop of …Read More

Alma

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Alma: World-Class. Florida-Based.

Advertising Excellence for a
New, Multicultural America

 

Ad Age has named Alma 2014 Multicultural Agency of the Year! It’s a great recognition for an agency that since 1994 has been setting trends, providing thought leadership and helping blue chip brands turn consumers into “Soulmates” – Alma means soul in Spanish. …Read More

Baptist Health South Florida

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Proton Therapy: Breaking New Ground on Breathrough Cancer Care

Miami Cancer Institute at Baptist Health South Florida is committed to bringing world-class cancer care to our community. Construction began this summer on the architecturally stunning $430 million facility. Featuring the ἀrst proton therapy center in South Florida and consolidating all Baptist Health cancer services, the Institute will transform cancer care in our community and across the globe. Scheduled to open in 2016, Miami Cancer Institute will also feature a cutting-edge research facility designed to give patients access to groundbreaking treatments and advanced clinical trials. That’s a healthy step forward in the ἀght against cancer.

 

BaptistHealth.net

 

ICE: The Institute of Cardiovascular Excellence

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Healing Hearts and Bodies
With Innovation, Compassion and Excellence

The Michigan man was nearly at the end of his rope. Though he had consulted numerous specialists and undergone a battery of diagnostic tests, he had been unable to find relief from the abdominal discomfort that had plagued him for years.

Then he read an article by interventional cardiologist Asad U. Qamar, M.D., founder of the …Read More

Bankers Healthcare Group, Inc.

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Healthcare Profession Lender Grows Through Fast, Easy Service and Innovation

 

To say the founders of Bankers Healthcare Group had an idea whose time had come would be an understatement. The idea behind their company is timeless.

BHG, created to provide commercial financing for physicians, dentists and veterinarians, found exactly the right niche. In the past few years, the company’s growth has been explosive, an affirmation that healthcare professionals see the value in a provider dedicated to their financial needs. BHG’s primary offering is working capital financing from $20,000 to $200,000, with terms up to 10 years. But there’s more than just the core business.

BHG recently expanded beyond conventional lending to include a full line of business and personal credit cards, as well as a product that allows healthcare providers to offer their patients financing. “This way, if there’s a gap in insurance coverage, a patient can still get care and doctors receive prompt payment for their services,” says Bob Castro, president of the company.

Not Just for Doctors Anymore
Other indicators of BHG’s growth over the past two years include an increasing client base and service expansion from 43 states to all 50. Originally, its services were only for doctors, dentists and veterinarians. Now they’re also available to nurse practitioners, physicians’ assistants, physical therapists and pharmacists.

In 2012, the company generated more than $150 million in revenues. This year, it’s on track to surpass $300 million. The staff has grown from 126 employees to 190, necessitating a move into more expansive space in both its Syracuse and Southwest Ranches locations. BHG also opened a sales office in New York City, and there are satellites in Denver and Washington, D.C.

Hassle-Free Lending
Bob Castro, his brother Eric and Albert Crawford became partners in BHG in 2001. They established a direct-lending business model based on an understanding of their clients: busy healthcare professionals whose time is at a premium. BHG serves them by making the loan application process easy and fast, with over-the-phone or online application, approvals in 48 hours or less, favorable terms and funding in as few as five days. “Today’s healthcare providers have very little time to spare,” says Crawford, chairman and CEO. “Our clients never have to leave their desks. We make it hassle-free.”

And BHG never stops working to improve the process. “Innovation” is the key word, and it suffuses the entire company. Surveys provide feedback; Eric Castro, chief operating officer, says, “Of our funded customers, 99.4 percent prefer us over a traditional lender, and 97 percent would recommend us to their colleagues.”

“Innovation,” Bob Castro says, “is how we’ll stay at the top. Nobody in this industry does it like we do. We want to create the most innovative financial solutions for healthcare professionals across the country.”

 

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bhg-inc.com | info@bhg-inc.com

Corporate Headquarters
4875 Volunteer Rd.
Southwest Ranches, FL 33330
866-297-4664

Financial Headquarters
201 Solar Street
Syracuse, NY 13204
866-297-4664

National Sales Office
875 Avenue of the Americas, Suite 1002
New York, NY 10001
866-588-7910