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Finding a wealth manager who suits your needs can be a daunting task In fact many consumers have a hard time figuring out where to even begin

Sometimes a few simple questions can set one off on the right path Asking a wealth manager what makes working with him or her a unique experience can help you understand how they work and if their style meshes with your own Further asking a financial advisor to ta lk about any specialties they might have can help uncover skills you might find useful

Ultimately how do you find an experienced wealth manager who you fee l comfor tab le working with One who has high retention rates One who

has undergone a thorough complaint and regulatory review One who has tenure in the industry

San Diego Magazine and Five Star Profess ional partnered to find wealth managers who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award winners is more than 96 percent

Five Star Wealth Managers

2014 San Diego

Donrsquot listen to other people Investigate for yourself Be wary of advisers who say they never had a down yearrdquo

mdash Five Star Wealth Manager

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 yearrsquos list

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 San Diego award candidates were identified using internal and external research data

AWARDA Select

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Wishful thinking is not planning If you plan for the worst you will never be unpleasantly surprisedrdquo

What matters most is how you recover from setbacksrdquo

Only invest in something that you understandrdquo

Insights from Five Star Wealth Managers

Clients donrsquot care how much you know until they know how much you carerdquo

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

bull The Five Star award is not indicative of the wealth managerrsquos future performance bull Wealth managers may or may not use discretion in their practice and therefore may not

manage their clientsrsquo assets bull 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 San Diego Magazine

bull 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

bull 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 researchselection methodology go to wwwfivestarprofessionalcom

bull 1838 award candidates in the San Diego area were considered for the Five Star Wealth Manager award 367 (approximately 21 percent of the award candidates) were named 2014 Five Star Wealth Managers

DISCLOSURESResearch

Award candidates who satisfied 10 objective eligibility and evaluation criteria were named 2014 Five Star Wealth Managers

Eligibility Criteria ndash Required

1 Credentialed as an investment advisory representative or a registered investment advisor

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 Fulfilled their firm review based on internal firm standards 5 Accepting new clients

Evaluation Criteria - Considered

6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations

OF AWARD WINNERSDetermination

Regulatory ReviewAs defined by Five Star Professional the wealth manager has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or

Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull 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

bull 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

bull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a wealth manager

bull 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 16500 households in the San Diego area were contacted

For more information on the program go to FiveStarProfessionalcomawardscpa_epa_wm_programphp

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SPECIAL ADVERTISING SECTION 2014 F

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Award winners listed by primary services and listed alphabetically by last name

Business PlanningGregory Banner Asset Preservation Strategies

Page 18

Keith Eck Keith Eck Financial

Estate PlanningSteven A Conte Beacon Retirement Planning

Group

Jonathan Edward Doering Thrivent Financial for Lutherans Page 19

Candise C Holmlund Weatherly Asset Management Page 25

Jamie Smith AXA Advisors

Sandeep Varma ATS Advanced Trustee Strategies

Financial PlanningMarie Accunzo Ameriprise Financial Services Inc

Joseph Anderson Pure Financial Advisors

Lawrence Andrews RBC Capital Page 18

Brian Armston Morgan Stanley

Mark Armstrong Morgan Stanley

Mark H Barker Financial Life Concepts

Matthew Barnhart MetLife Page 9

Sean Barrett Cornerstone Wealth Advisors

Joseph Bauers AXA Advisors

William Beamer Dowling amp Yahnke

Dale A Beed Morgan Stanley Page 10

Jacqueline Bell Dowling amp Yahnke

Doak R Belt Wealth amp Wisdom Partners Page 17

Joel Beyer Joel Beyer

Jon Beyrer Blankinship amp Foster

Robert Arthur Bothmer Littlejohn amp AssociatesAmeriprise Financial Services Inc

Shelley Boyce Financial Planning Solutions Page 27

Jeanne Bradford-Odorico DB Wealth Management Page 12

Adam Brown LPL Financial

James Hilton Buley Buley Wealth Management Group Page 19

Suzanne Cadwallader Ameriprise Financial Services Inc

Steven Carter Carter Financial

John Cartmill LPL Financial

Sean Cavanaugh Cavanaugh Financial Group

Ronald R Ceniceroz Integrated Wealth Strategies

William Chaffin Compass Pointe GroupMorgan Stanley

Sean Ciemiewicz Retirement Benefits Group

Adrian P Concepcion Merrill Lynch

Athena Constant Ameriprise Financial Services Inc

Kenneth Corlett Millennium Wealth Management Page 27

Kimberley Cyr Morgan Stanley

David V Daubenspeck North Island Credit Union

Mary Katherine Dean Dean Rolan Russell

Larry Deatherage Retirement Benefits Group

Raymond K Dexter LPL Financial

Curt J DiGiacomo Morgan Stanley

Michael K Donohue DB Wealth Management Page 12

Mark Dowling Dowling amp Yahnke

Daniel T Dubois Retirement Benefits Group

Jack Dugan Pure Financial Advisors

Paul Eliot Honeycutt Smith amp Associates

Brian C Elliott VALIC Page 27

David M Epstein Epstein and White Retirement Income Solutions Page 13

Roderick Evans Comprehensive Financial Group

Peter Falk Lincoln Financial Advisors

Brian Ferguson Ferguson McClure amp Associates

Zack Fielder Fielder Finley Wealth Management

Dax Fletcher Morgan Stanley Page 20

Anthony Michael Franchimone Retirement Benefits Group

Jon Frandell Merrill Lynch

Justin Frisco Principal Financial Group

Scott A Galbraith Crown Capital Securities

John M Gergurich Scripps Tax amp Financial Group Page 27

Tom Raymond Gibbings 2020 Financial Advisers of San Diego Page 25

Jeremy D Gottlieb Gottlieb Wealth Management Page 26

Orin M Green Ameriprise Financial Services Inc

Kyle Mark Hammerness Thrivent Financial

Fred Hamsayeh Retirement Benefits Group

Nicola Hanna Raymond James Financial Services

Steven Hansen Comprehensive Financial Group

Philip Harrison Ameriprise Financial Services Inc

Joris Hitt Morgan Stanley

Ann Hoeppner Blankinship amp Foster

John Howells Paramount Planning Group

Tamara G Huey Ameriprise Financial Services Inc

Besjana Husted Ferguson McClure amp Associates

Robert Inbody Morgan Stanley

John Logan Jenkins Asset Preservation Strategies Page 18

Brian Richard Johns Merrill Lynch

Teresa Ann Kakadelas Blankinship amp Foster

Sam Kashanchi AXA Advisors

Peter J Keller Pure Financial Advisors

Linda K Kitchens Hokanson Associates

Thomas James Kokjohn Morgan Stanley

Steven K Krogh LPL Financial

Nathan W Labiak Merrill Lynch

Steve Lahre RBC Wealth Management

Jean-Charles Lebours Ameriprise Financial Services Inc

Grant Adam Lewis Morgan Stanley Page 28

James Lewis Merrill Lynch

Travis Lewis BluePrint Wealth Partners

Paul S Lim Strategic Wealth Associates

Michael Lincoln Lincoln Capital

Shavon Lindley Market Pulse Wealth Management

Brad Lineberger Seaside Wealth Management

James R Lingelbach MetLife

Lauren Litman Morgan Stanley

William L Litton II Litton Financial

Steven Thomas Looser The Looser Financial Group

Leroy Lopez Wealth amp Wisdom Partners Page 17

J Marc Lord Independent Financial Group

David Lu Morgan Stanley Page 21

Ben Matthew Mallinger LPL Financial

Kyle Malmstrom Centara Capital

Michael Manning Manning Wealth Management

Chris McCann Morgan Stanley

Ed McClure Ferguson McClure amp Associates

William McColl Morgan Stanley

Patrick McNaughton Ameriprise Financial Services Inc

Amanda McNellis Morgan Stanley

Elizabeth Messick Morgan Stanley

Niels Mohler Merrill Lynch

Matthew Clifford Molstre Thrivent Financial for Lutherans Page 19

Alexander Monroe Compass Pointe GroupMorgan Stanley

J Carlton Morse II Morse Wealth Management Page 22

Jason S Mubarak Morgan Stanley

Tari A Nagel Ameriprise Financial Services Inc

Brian Neault RBC Wealth Management

Paul A Neves FSI Wealth Management

Kelly Newell LPL Financial

Arthur Clay Nicodemus III Nicodemus and Associates

Barbara Norman Womenrsquos Financial Academy

Andrew Norolahi Ameriprise Financial Services Inc

Rodrigo Oliva Ameriprise Financial Services Inc

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Award winners listed by primary services and listed alphabetically by last name

Victor A Orozco MetLife

G Bradley Owen Donnelly Wealth Advisors

David Owens Independent Financial Group

Larry W Palmer 2020 Financial Advisers of San Diego

John Peelle Peelle Wealth Management

Ardaches Peltekian Morgan Stanley Page 20

Josephine Pemberton Pemberton Financial and Insurance Services

Vickie Petix Petix amp Botte Financial

Dean R Pfremmer Morgan Stanley Page 28

Christopher L Phelps Financial Life Concepts

Oliver Polo Merrill Lynch

Matthew Poole Poole amp TenBroeck Wealth Management Group

Chris Dale Rager Morgan Stanley

Christopher Rand Strategic Wealth Associates

Steven Kent Richter Ameriprise Financial Services Inc

Nathaniel Ritchison Pure Financial Advisors

Michael Roberts Morgan Stanley

Michael Rohling Rohling Wealth Management

Bryan Rohr Merrill Lynch

David Ross Morgan Stanley

John Rossitto Audubon Financial Design

Michael T Rundlett Mike Rundlett Financial

Brian Samuels Highland Capital Financial Consulting

Ivan A Schleder Ameriprise Financial Services Inc

Martin Carl Schneider Ameritas Investment

James T Schwager Ameriprise Financial Services Inc

John Sedberry LPL Financial

Alan Gregory Shapiro Morgan Stanley

Martin A Shapiro Martin Shapiro

John Shelton JMS Wealth Management

Eric E Simms Ameriprise Financial Services Inc

Rodney A Simms Ameriprise Financial Services Inc

Philip Smith Ameriprise Financial Services Inc

Ronald Francis Smith Honeycutt Smith amp Associates

Kimberlie Sonnenberg Sonnenberg Financial Solutions Page 23

Markell A Staffieri Financial Advisory Corporation

Danielle DeMarce Stanton LPL Financial Page 28

Bryan Stebel Stebel Financial Group Page 16

W Gary Stemple PlanForTomorrow

Janean Stripe RJL Wealth Management

Christopher Szot Morgan Stanley

John Tanner Ameriprise Financial Services Inc

Christopher Taylor Taylor Financial Services

Paul Temby Dowling amp Yahnke

Dustin TenBroeck Poole amp TenBroeck Wealth Management Group

Darren B Todd New England Securities

Thomas Trax LPL Financial

Michael Turley First Command Financial Services

Donald N Van Dyke MetLife Page 9

Maureen Verduyn The Financial Team

Jodi Vleck Beta Wealth Group

Brian E Wilverding Ameriprise Financial Services Inc

Monika E Windle Financial Plan Design Page 20

Michael Woitkoski Strategic Wealth Associates

Dale Yahnke Dowling amp Yahnke

Perry A Zeigler Merrill Lynch

InsuranceJason Gerard Giorgio Pacific Advisors

InvestmentsJoseph Adamo Morgan Stanley Page 27

John S Agostino Wells Fargo Advisors LLC Page 27

Ali AlSari AWM Global Advisors Page 8

Rick Alvarado WealthOne Advisors

Michael Andreotti Wells Fargo Advisors LLC

Mark W Andrews Andrews Capital Management

John Samuel Armstrong IV Wells Fargo Advisors LLC

Daniel Avan Morgan Stanley

Perry Bacon Marine StreetWells Fargo Advisors Financial Network LLC Page 22

John Balmer LPL Financial

Samuel Bauchmann LPL Financial

Mark Bobin Diversified Investment Group

James B Bond Morgan Stanley

William Bonelli Morgan Stanley

Tricia A Bothmer RBC Wealth Management Page 25

Doug Bowcock Wells Fargo Advisors LLC

William Shawn Brennan Summit Global Management

Eric Bresnick Morgan Stanley

Frederick Brooks Blankinship amp Foster

Jeffrey Brown Wells Fargo Advisors LLC

Ryan James Callan Callan Capital

Timothy Smith Callan Callan Capital

Trevor Michael Callan Callan Capital

Leslie Minter Castillo Crowell Weedon amp Company

Kurt Cecconi Principal Financial Group

Jose Cetale Wells Fargo Advisors LLC

Robin L Chaffey Wells Fargo Advisors LLC

Patrick H Chambers Newport Coast Securities

Marc Channick Delphi Private Advisors

Joseph B Childrey Probabilities Fund Management

Matthew Childs Morgan Stanley

Jeff A Christie Ken Stern amp Associates

Brendan Van Cleve Ken Stern amp Associates

Bret A Cleveland Morgan Stanley Page 27

Douglas Cochran Morgan Stanley

Joseph Cohen HoyleCohen Wealth Management

Mary E Collins Wells Fargo Advisors LLC Page 11

Kristian Colvin Emerson Equity

Raymond Corney Morgan Stanley

Robert Crane Thrivent Financial

Daniel Crotta Morgan Stanley

Rene de Charon Harrison - de Charon

Steve Deppe Nerad amp Deppe Wealth Management

Dale M Doorly Morgan Stanley

Charles Duncan Duncan Investment Advisors

Kevin Dyerly Wells Fargo Advisors LLC

Robert C Eddy Creative Capital Management

Mark Erwin Common Wealth Financial Network

Jonathan Fairchild Telos Capital Management Page 24

Bassam Farah Wells Fargo Advisors LLC

Toby Ferner Wells Fargo Advisors LLC

Christopher Ficara Merrill Lynch

Kris Field Field Wealth Management Group

Jeffrey J Fink RBC Wealth Management

Paul Firth Wedbush Securities

James R Flickinger LPL Financial

Gregory Flynn Wells Fargo Advisors LLC

John Folsom RBC Wealth Management Page 14

Gloria Dawn Foot Financial Focus

Blake Foster Wells Fargo Advisors LLC

George V Foster Wells Fargo Advisors LLC

Scott R Frank Weatherly Asset Management Page 25

Norbert Frassa Morgan Stanley Page 27

James Alan Freeman Financial Alternatives

Richard B French Morgan Stanley

Kenneth G Frost Wheeler Frost amp Associates

Michael Funtas Edward Jones

John O Gailey Wells Fargo Advisors LLC

David Galluccio Wells Fargo Advisors LLC

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SPECIAL ADVERTISING SECTION 2014 F

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Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

Ray Garnica Morgan Stanley

Sylvia Geffen Wells Fargo Advisors LLC

Jay Gelbart Merrill Lynch

Justine Girard Wells Fargo Advisors LLC

Scott A Glasson Wells Fargo Advisors LLC

Gary Glockzin WealthGurus

John Greene RBC Wealth Management

Jorge R Guerra Morgan Stanley

Isaac Hansen Trilogy Financial Services

Jason D Hansen Wells Fargo Advisors LLC

Kyle Harrington Harrington Capital Management

David Michael Harrison Wells Fargo Advisors LLC

Hayley Higgins Wells Fargo Advisors LLC

Philip Hill Wells Fargo Advisors LLC

Craig Hillegas Hillegas Advisory Services

David R Hirons Wells Fargo Advisors LLC

William Holloway Wells Fargo Advisors LLC Page 28

Scott D Hood Merrill Lynch

Tina Giacomini Huston JM Financial Strategies

Paul Hynes HearthStone

Randall Iwai Morgan Stanley

Luis Antonio Izaguirre Morgan Stanley Page 21

Jacqueline Kaiser MetLife

Patrick Kearney Wells Fargo Advisors LLC

Christopher Kozo Wells Fargo Advisors LLC

James Kuntz Pacific Wealth Management

Scott Kyle Coastwise Capital Group

Jason Labrum Labrum Wealth Management

Joseph Holland Langlois III Global Wealth Partners Page 6 amp 7

Martin D Levine Wells Fargo Advisors LLC

David Jonathan Levy Wells Fargo Advisors LLC

Michael Lewis Lewis Advisory Group

William Richard Lilliott III Wells Fargo Advisors LLC

Brandon Linster UnionBanc Investment Services Page 28

Leland Littleton LPL Financial

Brian Lucewicz Morgan Stanley

David Lynn Morgan Stanley

Darrel Madison Wells Fargo Advisors LLC

John William Madison Wells Fargo Advisors LLC

Catherine Magantildea WWM Financial Page 26

Sean Manatt Edward Jones

Bruce John Marshall Wells Fargo Advisors LLC

Bart A Martinez Wells Fargo Advisors LLC

Keith McKenzie Delphi Private Advisors

Brian D McLean BDM Wealth Management

E Scott Miller Wells Fargo Advisors LLC

Franklin C Miller Wells Fargo Advisors LLC

J Scott Miller Morgan Stanley

Rodd R Miller Miller Wealth Management

Ryan Mitchell Triton Capital Advisors

Steve Montgomery Charles Schwab

Michael Moore American Money Management

Richard E Nerad Nerad amp Deppe Wealth Management

Miguel A Ortega Merrill Lynch

Jeffrey P Ott First Allied Securities

Donald R Overbeck Wells Fargo Advisors LLC

Debra Patterson AXA Advisors

Justin Peek Edward Jones

Jennifer R Perkinson Merrill Lynch

Paul Martin Peters Financial Plan Design Page 20

Christopher L Pitzak Berstain Global Wealth Management

Jeffrey S Platt Harrison - de Charon

David D Price Merrill Lynch

Stefan Prvanov Blankinship amp Foster

Gilbert Pumar Sterne Agee Financial Services

Daniel Michael Racicot Marine Street FinancialWells Fargo Advisors Financial Network LLC Page 22

Gerald Ramirez Morgan Stanley Page 15

David Harrison Rascoe Morgan Stanley Page 26

Arthur Regottaz Wells Fargo Advisors LLC

Christian Reuter RBC Wealth Management

Gary Rice Rice Hall James amp Associates

Donald Gerard Ritley Ameriprise Financial Services Inc

Mark E Robbins Wells Fargo Advisors LLC

Lori Robinson Morgan Stanley

Marc Roland Dean Roland Russell

Sheryl Rowling Rowling amp Associates

Andrew Russell Dean Roland Russell

Timothy Sagawa Ameriprise Financial Services Inc

Monte Sahba Wells Fargo Advisors LLC

Leo Schad RBC Wealth Management

Ronald Scherdorf Charles Schwab

Anna M Scherer Wells Fargo Advisors LLC

Stephen D Schneider Wells Fargo Advisors LLC

Vance E Schroeder Wells Fargo Advisors LLC Page 23

Robert Schulze Merrill Lynch

Gregg Shallan Wells Fargo Advisors LLC

Jean Sinclair Avenue Advisors

Bradley R Sissons Edward Jones

Christine Skoczek Skoczek amp Associates

Drew Scott Slacum Morgan Stanley

Gary Soble LPL Financial

Jonathan Stahley Ameriprise Financial Services Inc

Dorothy A Stanley Morgan Stanley Page 28

Eric Stegmann Charles Schwab

Scott T Sutherland Wells Fargo Advisors LLC Page 26

Jake Sutton Edward Jones

Matthew Sweeney RBC Wealth Management Page 14

Gregory Syrios Wells Fargo Advisors LLC

Jeffrey N Tadder Wells Fargo Advisors LLC

Theodore J Tadeusiak Morgan Stanley Page 24

Samuel R Tapia Jr Wells Fargo Advisors LLC

Thomas Tate Wells Fargo Advisors LLC

Carolyn Person Taylor Weatherly Asset Management Page 25

Michael Tedesco Morgan Stanley

Douglas Thomas Wells Fargo Advisors LLC

Peter C Thoms Orion Capital Management

Jeffrey Todd Todd Financial Group

Ann Tu Morgan Stanley

Nancy J Tuininga Wells Fargo Advisors LLC

Alejandro Valle Morgan Stanley Page 28

Mark Vigil Morgan Stanley

Alexander Voils Ameriprise Financial Services Inc

Mark Francis Walton Morgan Stanley

John Weimer Edward Jones

John P Weinstein Decision Investments

Peter Ryder Wheeler Wheeler Frost amp Associates

Schuyler R White Wells Fargo Advisors LLC

Robert Willgoss Compass Pointe Group Morgan Stanley

Barbara Williams Financial Focus

Robin Lennon Williams Morgan Stanley Page 28

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Joseph H Langlois III

The Core of Our Firmrsquos Philosophy Lies on Three Cornerstones

bull Diversifi cation mdash A base asset allocation strategy adjusted for your personal risk tolerance

bull Risk mitigation mdash Investment selections toward strategies that try to reduce downside risk

bull Tax effi ciency mdash Choosing the correct tax registration for specifi c investment types

880 West Washington Street bull San Diego CA 92103

Office (619) 320-4146

jlanglois3globalwealthpartnersinccom bull wwwglobalwealthpartnersinccom

Five Star Wealth Managers do not pay a fee to be included in the research of the final list The overall survey score reflects an average of all respondents and may not be representative of any one clientrsquos evaluationRegistered Representatives offering securities through First Allied Securities Inc A Registered BrokerDealer (Member FINRASIPC) Advisory Services offered through First Allied Advisory Services Inc A Registered Investment Adviser

Joseph H Langlois Ill CFPreg is a founding partner of Global Wealth Partners Inc Joey brings 17 years of experience as a wealth manager both domestically and internationally Joey has built his wealth planning practice by educating his clients on strategies to help mitigate income and estate taxes while potentially maximizing retirement benefits He helps his clients develop a plan to accumulate the assets necessary to reach retirement and he teaches them the importance of proper income distribution so they can enjoy a comfortable lifestyle when retired Philanthropy a passion of Joeyrsquos has led him to specialize in charitable planning Joey has been an integral member of the group that created the donor-advised fund at San Diego State University Joey lives with his wife Jen and their children Joseph H Langlois IV and Jakson Langlois in the Del Sur area of San Diego In his free time he enjoys visiting with family and friends football golf cooking and tasting fine wines

Global Wealth Partners Inc is an international wealth planning firm that follows an educational approach when advising clients to make sound financial decisions The firmrsquos process provides our worldwide clientele with the understanding necessary to feel confident in taking steps to secure the goals that are most important to them As an independently owned wealth planning firm we are openly selective in offering customized solutions that are best suited to our clientsrsquo objectives

Left to right Front row Joseph Langlois Jr CFPreg Kyle Farmer 2014 winner Joseph Langlois III CFPreg Dr Joseph Ellis CFPreg DPMBack row Christopher Weber Laura Szymanski MBA Maxwell Keltner CFPreg

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Joseph H Langlois III

The Core of Our Firmrsquos Philosophy Lies on Three Cornerstones

bull Diversifi cation mdash A base asset allocation strategy adjusted for your personal risk tolerance

bull Risk mitigation mdash Investment selections toward strategies that try to reduce downside risk

bull Tax effi ciency mdash Choosing the correct tax registration for specifi c investment types

880 West Washington Street bull San Diego CA 92103

Office (619) 320-4146

jlanglois3globalwealthpartnersinccom bull wwwglobalwealthpartnersinccom

Five Star Wealth Managers do not pay a fee to be included in the research of the final list The overall survey score reflects an average of all respondents and may not be representative of any one clientrsquos evaluationRegistered Representatives offering securities through First Allied Securities Inc A Registered BrokerDealer (Member FINRASIPC) Advisory Services offered through First Allied Advisory Services Inc A Registered Investment Adviser

Joseph H Langlois Ill CFPreg is a founding partner of Global Wealth Partners Inc Joey brings 17 years of experience as a wealth manager both domestically and internationally Joey has built his wealth planning practice by educating his clients on strategies to help mitigate income and estate taxes while potentially maximizing retirement benefits He helps his clients develop a plan to accumulate the assets necessary to reach retirement and he teaches them the importance of proper income distribution so they can enjoy a comfortable lifestyle when retired Philanthropy a passion of Joeyrsquos has led him to specialize in charitable planning Joey has been an integral member of the group that created the donor-advised fund at San Diego State University Joey lives with his wife Jen and their children Joseph H Langlois IV and Jakson Langlois in the Del Sur area of San Diego In his free time he enjoys visiting with family and friends football golf cooking and tasting fine wines

Global Wealth Partners Inc is an international wealth planning firm that follows an educational approach when advising clients to make sound financial decisions The firmrsquos process provides our worldwide clientele with the understanding necessary to feel confident in taking steps to secure the goals that are most important to them As an independently owned wealth planning firm we are openly selective in offering customized solutions that are best suited to our clientsrsquo objectives

Left to right Front row Joseph Langlois Jr CFPreg Kyle Farmer 2014 winner Joseph Langlois III CFPreg Dr Joseph Ellis CFPreg DPMBack row Christopher Weber Laura Szymanski MBA Maxwell Keltner CFPreg

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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AWM Global AdvisorsWe Manage Our Clientsrsquo Money as if It Were Our Own

Left to right Front row Guan Wang Diana Gonzalez two-year winner Ali AlSari Roxana McGrew Dilcia LoomisBack row Gary Graessle Shelly Ohl

bull Comprehensive fi nancial planningbull Dynamic asset allocation and portfolio constructionbull Strategic risk management

Our clients are our main focus and priority With our clientsrsquo trust and future fi nancial goals in mind AWM provides fi duciary objective and transparent advice We follow disciplined and fundamentally driven asset allocation strategies We strive

to protect wealth while continuing to act on opportunities in a constantly evolving global economy At AWM we are committed to delivering timely advice matched with high-quality service as our clients are our most valuable asset

750 B Street Suite 3150 bull San Diego CA 92101Office (619) 225-7600 bull Fax (619) 225-7700

AWMawmgacom bull wwwawmgacom

Advisory Services offered through AlSari Wealth Management Global Advisors LLC a Registered Investment AdvisorSecurities offered through Charles Schwab and Co Inc member FINRA SIPC AlSari Wealth Management and Charles Schwab are not affiliated

Two-Year

Winner

Global ApproachClient FocusTailored Solutions

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Matthew C Barnhart and Donald N Van DykeResource for Your Financial Needs

Left to right Three-year winners Donald Van Dyke FSRFinancial Advisor and Matthew C Barnhart FSRFinancial Planner Prianka Chowgule Executive Assistant

bull Investment managementbull Protection strategies

Our mission is to become a lifetime resource for individuals families and business by providing them exclusive personal fi nancial advice to help them achieve their fi nancial dreams

We accomplish this by forming a relationship and building trust with our clients off ering sound fi nancial advice and providing top-notch service to a select number of clients

MetLife3131 Camino del Rio North Suite 1200 bull San Diego CA 92108

Office (619) 641-3634 bull Toll-free (877) 267-7595mbarnhartmetlifecom bull dvandyke1metlifecom

Metropolitan Life Insurance Company (MLIC) New York NY 10166 Securities products and investment advisory services offered by MetLife Securities Inc (MSI) (member FINRASIPC) and a registered investment adviser MLIC and MSI are MetLife companies Five Star Professional and MetLife are not affiliated L111335089[exp1114][CA]

Donald N Van Dyke CA Lic D21805 Matthew C Barnhard CA Lic E36701

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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FSbull11

Dale A BeedResults-Based Strategy Designed to Alleviate Clientsrsquo Concerns in Pursuing Financial Goals

Please visit Dale through LinkedIn at wwwlinkedincomindalebeed

2012 ndash 2014 winner Dale A Beed First Vice President Financial Advisor

bull Preserve personal wealthbull Personalize portfolios for your retirement yearsbull Protect and grow a family legacy

Dale interacts with generations of families striving to alleviate concerns of their fi nancial future with a fi ve-stage formula While all Dalersquos clients are in various stages of their lives he diagnoses their individual specifi c needs through a highly customized question-based approach because he believes that understanding a clientrsquos goals and comfort level for risk are the cornerstones of a successful investment strategy that will enable them to navigate the future successfully

Dale has exclusive client-facing interaction and while he is a sole practitioner he is supported by a network of worldwide resources Dale has been a veteran of the securities industry since 1985 and as of May 2008 joined the fi rm of Morgan Stanley after more than 18 years at UBS

When not managing individual portfolios Dalersquos long-term passion for the ocean is carried on today through surfi ng which is his primary sport and recreation This passion started as a small child when he grew up in a small fi shing village and carried on in college where he studied mechanical engineering with a major in ocean wave hydraulics while working with the Maritime Services Board of New South Wales in Australia

Please visit Dalersquos website or LinkedIn for more information on how Dale helps investors overcome their obstacles and achieve their goals

1225 Prospect Street bull La Jolla CA 92037Phone (858) 729-5079 bull Toll-free (800) 473-2331 Ext 5079 bull Fax (858) 551-5907

dalebeedmorganstanleycom bull wwwmorganstanleyfacomdalebeed bull wwwlinkedincomindalebeed

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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FSbull11

Mary E CollinsYour Portfolio Is Worth a Second Opinion

Areas of Focus Retirement Planning Managed Money Life Insurance

2014 winner Mary E Collins Vice President ndash InvestmentsCA Insurance License Number 0A13733

bull Striving to smooth out a rough ridebull When navigating the rough waters of the markets an experienced Financial Advisor can help

Over the last decade numerous individuals and small businesses have suff ered from the volatility of the fi nancial markets Now is the time to address your individual needs and retirement plans

Mary follows a comprehensive process to customize strategies for each client She will work with you to identify your goals and understand your own risk tolerance

Utilizing the resources of Wells Fargo Advisors we help you pursue your needs and inspirations by giving insight and guidance on the stock and bond markets diff erent money managers and specifi c investments such as life insurance and annuities

With more than 25 years of investment experience Mary takes a holistic approach to portfolio evaluation

888 Prospect Street Suite 301 bull La Jolla CA 92037Office (858) 456-7760

marycollinswfadvisorscom

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 1113-01788]

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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DB Wealth Management Group LLCA Registered Investment Advisor

Focus Integrating Investment Tax Planning Retirement Income Risk Management and Estate Planning Strategies

Left to right Three-year winners Jeanne Bradford-Odorico CERTIFIED FINANCIAL PLANNERtrade Chartered Life Underwriterreg and Michael Donohue CERTIFIED FINANCIAL PLANNERtrade Certifi ed Fund Specialistreg

bull Partnering with clients to help create protect and preserve wealth through objective fi nancial planning and strategic investment management

What is your vision of retirement Do you have confi dence knowing you are fi nancially prepared and living life to its fullest Or are you spending your time worrying about outliving your money

Our combined experience of more than 50 years has been enhancing clientsrsquo lives by combining broad and deep technical fi nancial expertise with the ability and desire to understand what matters most to every client

DB Wealth Managementrsquos clients have unique individual circumstances and they rely on us to analyze and develop

personalized strategies By providing advice and insight regarding fi nancial alternatives and educating with clear explanations of relevant concepts we can help transform fi nancial visions into reality

We believe comprehensive wealth management is not found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality

DB Wealth Management Group LLC1450 Frazee Road Suite 610 bull San Diego CA 92108

Office (619) 497-0404 bull Fax (619) 497-0804wwwretirementstrategies4youcom

Michael K Donohue CA Insurance Lic 0685025 and Jeanne Bradford-Odorico CA Insurance Lic 0661685are Registered Principals with and securities offered through LPL Financial Member FINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Epstein amp White Retirement Income Solutions LLCHelping Clients to Grow and Protect Their Wealth

Areas of Focus Retirement Income Planning for Pre-Retirees and the Recently Retired

Left to right Rubi Borja 2014 winner David M Epstein President Bradley White Vice President Charlene Freeborn

bull Retirement income and distribution strategiesbull Comprehensive wealth management and independent advicebull Relationships built on trust and integrity since 1983

We value our clients knowing that the relationship is the cornerstone of success Our passion for your fi nancial well-being and our commitment to your future starts with a thorough understanding of your current situation expectations and goals

Davidrsquos and Bradleyrsquos combined 35 years of experience will help us develop a comprehensive investment strategy and

solidify your retirement income plan mdash a plan that fi ts both your lifetime income needs and legacy goals

ldquoBy using the best fi nancial tools and strategies available our team and I take the fear out of your fi nancial future and give you confi dence in what lies aheadrdquo mdash David M Epstein President

Epstein amp White Retirement Income Solutions4660 La Jolla Village Drive Suite 500 bull San Diego CA 92122

Office (858) 535-4832 bull Fax (858) 535-4833depsteindavidmepsteincom bull epsteinandwhitecom bull yourretirementherocom

Investment Advisory Services offered on a fee basis through Global Financial Private Capital LLC an SEC Registered Investment Adviser

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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FSbull15

Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

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Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull24

Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull25

Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull26

David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull27

5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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FS28

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull28

101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

siona

l

copy Fivesta

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FSbull29

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

alsmdash

ww

wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

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Wishful thinking is not planning If you plan for the worst you will never be unpleasantly surprisedrdquo

What matters most is how you recover from setbacksrdquo

Only invest in something that you understandrdquo

Insights from Five Star Wealth Managers

Clients donrsquot care how much you know until they know how much you carerdquo

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

bull The Five Star award is not indicative of the wealth managerrsquos future performance bull Wealth managers may or may not use discretion in their practice and therefore may not

manage their clientsrsquo assets bull 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 San Diego Magazine

bull 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

bull 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 researchselection methodology go to wwwfivestarprofessionalcom

bull 1838 award candidates in the San Diego area were considered for the Five Star Wealth Manager award 367 (approximately 21 percent of the award candidates) were named 2014 Five Star Wealth Managers

DISCLOSURESResearch

Award candidates who satisfied 10 objective eligibility and evaluation criteria were named 2014 Five Star Wealth Managers

Eligibility Criteria ndash Required

1 Credentialed as an investment advisory representative or a registered investment advisor

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 Fulfilled their firm review based on internal firm standards 5 Accepting new clients

Evaluation Criteria - Considered

6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations

OF AWARD WINNERSDetermination

Regulatory ReviewAs defined by Five Star Professional the wealth manager has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or

Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull 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

bull 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

bull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a wealth manager

bull 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 16500 households in the San Diego area were contacted

For more information on the program go to FiveStarProfessionalcomawardscpa_epa_wm_programphp

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SPECIAL ADVERTISING SECTION 2014 F

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Award winners listed by primary services and listed alphabetically by last name

Business PlanningGregory Banner Asset Preservation Strategies

Page 18

Keith Eck Keith Eck Financial

Estate PlanningSteven A Conte Beacon Retirement Planning

Group

Jonathan Edward Doering Thrivent Financial for Lutherans Page 19

Candise C Holmlund Weatherly Asset Management Page 25

Jamie Smith AXA Advisors

Sandeep Varma ATS Advanced Trustee Strategies

Financial PlanningMarie Accunzo Ameriprise Financial Services Inc

Joseph Anderson Pure Financial Advisors

Lawrence Andrews RBC Capital Page 18

Brian Armston Morgan Stanley

Mark Armstrong Morgan Stanley

Mark H Barker Financial Life Concepts

Matthew Barnhart MetLife Page 9

Sean Barrett Cornerstone Wealth Advisors

Joseph Bauers AXA Advisors

William Beamer Dowling amp Yahnke

Dale A Beed Morgan Stanley Page 10

Jacqueline Bell Dowling amp Yahnke

Doak R Belt Wealth amp Wisdom Partners Page 17

Joel Beyer Joel Beyer

Jon Beyrer Blankinship amp Foster

Robert Arthur Bothmer Littlejohn amp AssociatesAmeriprise Financial Services Inc

Shelley Boyce Financial Planning Solutions Page 27

Jeanne Bradford-Odorico DB Wealth Management Page 12

Adam Brown LPL Financial

James Hilton Buley Buley Wealth Management Group Page 19

Suzanne Cadwallader Ameriprise Financial Services Inc

Steven Carter Carter Financial

John Cartmill LPL Financial

Sean Cavanaugh Cavanaugh Financial Group

Ronald R Ceniceroz Integrated Wealth Strategies

William Chaffin Compass Pointe GroupMorgan Stanley

Sean Ciemiewicz Retirement Benefits Group

Adrian P Concepcion Merrill Lynch

Athena Constant Ameriprise Financial Services Inc

Kenneth Corlett Millennium Wealth Management Page 27

Kimberley Cyr Morgan Stanley

David V Daubenspeck North Island Credit Union

Mary Katherine Dean Dean Rolan Russell

Larry Deatherage Retirement Benefits Group

Raymond K Dexter LPL Financial

Curt J DiGiacomo Morgan Stanley

Michael K Donohue DB Wealth Management Page 12

Mark Dowling Dowling amp Yahnke

Daniel T Dubois Retirement Benefits Group

Jack Dugan Pure Financial Advisors

Paul Eliot Honeycutt Smith amp Associates

Brian C Elliott VALIC Page 27

David M Epstein Epstein and White Retirement Income Solutions Page 13

Roderick Evans Comprehensive Financial Group

Peter Falk Lincoln Financial Advisors

Brian Ferguson Ferguson McClure amp Associates

Zack Fielder Fielder Finley Wealth Management

Dax Fletcher Morgan Stanley Page 20

Anthony Michael Franchimone Retirement Benefits Group

Jon Frandell Merrill Lynch

Justin Frisco Principal Financial Group

Scott A Galbraith Crown Capital Securities

John M Gergurich Scripps Tax amp Financial Group Page 27

Tom Raymond Gibbings 2020 Financial Advisers of San Diego Page 25

Jeremy D Gottlieb Gottlieb Wealth Management Page 26

Orin M Green Ameriprise Financial Services Inc

Kyle Mark Hammerness Thrivent Financial

Fred Hamsayeh Retirement Benefits Group

Nicola Hanna Raymond James Financial Services

Steven Hansen Comprehensive Financial Group

Philip Harrison Ameriprise Financial Services Inc

Joris Hitt Morgan Stanley

Ann Hoeppner Blankinship amp Foster

John Howells Paramount Planning Group

Tamara G Huey Ameriprise Financial Services Inc

Besjana Husted Ferguson McClure amp Associates

Robert Inbody Morgan Stanley

John Logan Jenkins Asset Preservation Strategies Page 18

Brian Richard Johns Merrill Lynch

Teresa Ann Kakadelas Blankinship amp Foster

Sam Kashanchi AXA Advisors

Peter J Keller Pure Financial Advisors

Linda K Kitchens Hokanson Associates

Thomas James Kokjohn Morgan Stanley

Steven K Krogh LPL Financial

Nathan W Labiak Merrill Lynch

Steve Lahre RBC Wealth Management

Jean-Charles Lebours Ameriprise Financial Services Inc

Grant Adam Lewis Morgan Stanley Page 28

James Lewis Merrill Lynch

Travis Lewis BluePrint Wealth Partners

Paul S Lim Strategic Wealth Associates

Michael Lincoln Lincoln Capital

Shavon Lindley Market Pulse Wealth Management

Brad Lineberger Seaside Wealth Management

James R Lingelbach MetLife

Lauren Litman Morgan Stanley

William L Litton II Litton Financial

Steven Thomas Looser The Looser Financial Group

Leroy Lopez Wealth amp Wisdom Partners Page 17

J Marc Lord Independent Financial Group

David Lu Morgan Stanley Page 21

Ben Matthew Mallinger LPL Financial

Kyle Malmstrom Centara Capital

Michael Manning Manning Wealth Management

Chris McCann Morgan Stanley

Ed McClure Ferguson McClure amp Associates

William McColl Morgan Stanley

Patrick McNaughton Ameriprise Financial Services Inc

Amanda McNellis Morgan Stanley

Elizabeth Messick Morgan Stanley

Niels Mohler Merrill Lynch

Matthew Clifford Molstre Thrivent Financial for Lutherans Page 19

Alexander Monroe Compass Pointe GroupMorgan Stanley

J Carlton Morse II Morse Wealth Management Page 22

Jason S Mubarak Morgan Stanley

Tari A Nagel Ameriprise Financial Services Inc

Brian Neault RBC Wealth Management

Paul A Neves FSI Wealth Management

Kelly Newell LPL Financial

Arthur Clay Nicodemus III Nicodemus and Associates

Barbara Norman Womenrsquos Financial Academy

Andrew Norolahi Ameriprise Financial Services Inc

Rodrigo Oliva Ameriprise Financial Services Inc

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Award winners listed by primary services and listed alphabetically by last name

Victor A Orozco MetLife

G Bradley Owen Donnelly Wealth Advisors

David Owens Independent Financial Group

Larry W Palmer 2020 Financial Advisers of San Diego

John Peelle Peelle Wealth Management

Ardaches Peltekian Morgan Stanley Page 20

Josephine Pemberton Pemberton Financial and Insurance Services

Vickie Petix Petix amp Botte Financial

Dean R Pfremmer Morgan Stanley Page 28

Christopher L Phelps Financial Life Concepts

Oliver Polo Merrill Lynch

Matthew Poole Poole amp TenBroeck Wealth Management Group

Chris Dale Rager Morgan Stanley

Christopher Rand Strategic Wealth Associates

Steven Kent Richter Ameriprise Financial Services Inc

Nathaniel Ritchison Pure Financial Advisors

Michael Roberts Morgan Stanley

Michael Rohling Rohling Wealth Management

Bryan Rohr Merrill Lynch

David Ross Morgan Stanley

John Rossitto Audubon Financial Design

Michael T Rundlett Mike Rundlett Financial

Brian Samuels Highland Capital Financial Consulting

Ivan A Schleder Ameriprise Financial Services Inc

Martin Carl Schneider Ameritas Investment

James T Schwager Ameriprise Financial Services Inc

John Sedberry LPL Financial

Alan Gregory Shapiro Morgan Stanley

Martin A Shapiro Martin Shapiro

John Shelton JMS Wealth Management

Eric E Simms Ameriprise Financial Services Inc

Rodney A Simms Ameriprise Financial Services Inc

Philip Smith Ameriprise Financial Services Inc

Ronald Francis Smith Honeycutt Smith amp Associates

Kimberlie Sonnenberg Sonnenberg Financial Solutions Page 23

Markell A Staffieri Financial Advisory Corporation

Danielle DeMarce Stanton LPL Financial Page 28

Bryan Stebel Stebel Financial Group Page 16

W Gary Stemple PlanForTomorrow

Janean Stripe RJL Wealth Management

Christopher Szot Morgan Stanley

John Tanner Ameriprise Financial Services Inc

Christopher Taylor Taylor Financial Services

Paul Temby Dowling amp Yahnke

Dustin TenBroeck Poole amp TenBroeck Wealth Management Group

Darren B Todd New England Securities

Thomas Trax LPL Financial

Michael Turley First Command Financial Services

Donald N Van Dyke MetLife Page 9

Maureen Verduyn The Financial Team

Jodi Vleck Beta Wealth Group

Brian E Wilverding Ameriprise Financial Services Inc

Monika E Windle Financial Plan Design Page 20

Michael Woitkoski Strategic Wealth Associates

Dale Yahnke Dowling amp Yahnke

Perry A Zeigler Merrill Lynch

InsuranceJason Gerard Giorgio Pacific Advisors

InvestmentsJoseph Adamo Morgan Stanley Page 27

John S Agostino Wells Fargo Advisors LLC Page 27

Ali AlSari AWM Global Advisors Page 8

Rick Alvarado WealthOne Advisors

Michael Andreotti Wells Fargo Advisors LLC

Mark W Andrews Andrews Capital Management

John Samuel Armstrong IV Wells Fargo Advisors LLC

Daniel Avan Morgan Stanley

Perry Bacon Marine StreetWells Fargo Advisors Financial Network LLC Page 22

John Balmer LPL Financial

Samuel Bauchmann LPL Financial

Mark Bobin Diversified Investment Group

James B Bond Morgan Stanley

William Bonelli Morgan Stanley

Tricia A Bothmer RBC Wealth Management Page 25

Doug Bowcock Wells Fargo Advisors LLC

William Shawn Brennan Summit Global Management

Eric Bresnick Morgan Stanley

Frederick Brooks Blankinship amp Foster

Jeffrey Brown Wells Fargo Advisors LLC

Ryan James Callan Callan Capital

Timothy Smith Callan Callan Capital

Trevor Michael Callan Callan Capital

Leslie Minter Castillo Crowell Weedon amp Company

Kurt Cecconi Principal Financial Group

Jose Cetale Wells Fargo Advisors LLC

Robin L Chaffey Wells Fargo Advisors LLC

Patrick H Chambers Newport Coast Securities

Marc Channick Delphi Private Advisors

Joseph B Childrey Probabilities Fund Management

Matthew Childs Morgan Stanley

Jeff A Christie Ken Stern amp Associates

Brendan Van Cleve Ken Stern amp Associates

Bret A Cleveland Morgan Stanley Page 27

Douglas Cochran Morgan Stanley

Joseph Cohen HoyleCohen Wealth Management

Mary E Collins Wells Fargo Advisors LLC Page 11

Kristian Colvin Emerson Equity

Raymond Corney Morgan Stanley

Robert Crane Thrivent Financial

Daniel Crotta Morgan Stanley

Rene de Charon Harrison - de Charon

Steve Deppe Nerad amp Deppe Wealth Management

Dale M Doorly Morgan Stanley

Charles Duncan Duncan Investment Advisors

Kevin Dyerly Wells Fargo Advisors LLC

Robert C Eddy Creative Capital Management

Mark Erwin Common Wealth Financial Network

Jonathan Fairchild Telos Capital Management Page 24

Bassam Farah Wells Fargo Advisors LLC

Toby Ferner Wells Fargo Advisors LLC

Christopher Ficara Merrill Lynch

Kris Field Field Wealth Management Group

Jeffrey J Fink RBC Wealth Management

Paul Firth Wedbush Securities

James R Flickinger LPL Financial

Gregory Flynn Wells Fargo Advisors LLC

John Folsom RBC Wealth Management Page 14

Gloria Dawn Foot Financial Focus

Blake Foster Wells Fargo Advisors LLC

George V Foster Wells Fargo Advisors LLC

Scott R Frank Weatherly Asset Management Page 25

Norbert Frassa Morgan Stanley Page 27

James Alan Freeman Financial Alternatives

Richard B French Morgan Stanley

Kenneth G Frost Wheeler Frost amp Associates

Michael Funtas Edward Jones

John O Gailey Wells Fargo Advisors LLC

David Galluccio Wells Fargo Advisors LLC

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SPECIAL ADVERTISING SECTION 2014 F

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Man

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Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

Ray Garnica Morgan Stanley

Sylvia Geffen Wells Fargo Advisors LLC

Jay Gelbart Merrill Lynch

Justine Girard Wells Fargo Advisors LLC

Scott A Glasson Wells Fargo Advisors LLC

Gary Glockzin WealthGurus

John Greene RBC Wealth Management

Jorge R Guerra Morgan Stanley

Isaac Hansen Trilogy Financial Services

Jason D Hansen Wells Fargo Advisors LLC

Kyle Harrington Harrington Capital Management

David Michael Harrison Wells Fargo Advisors LLC

Hayley Higgins Wells Fargo Advisors LLC

Philip Hill Wells Fargo Advisors LLC

Craig Hillegas Hillegas Advisory Services

David R Hirons Wells Fargo Advisors LLC

William Holloway Wells Fargo Advisors LLC Page 28

Scott D Hood Merrill Lynch

Tina Giacomini Huston JM Financial Strategies

Paul Hynes HearthStone

Randall Iwai Morgan Stanley

Luis Antonio Izaguirre Morgan Stanley Page 21

Jacqueline Kaiser MetLife

Patrick Kearney Wells Fargo Advisors LLC

Christopher Kozo Wells Fargo Advisors LLC

James Kuntz Pacific Wealth Management

Scott Kyle Coastwise Capital Group

Jason Labrum Labrum Wealth Management

Joseph Holland Langlois III Global Wealth Partners Page 6 amp 7

Martin D Levine Wells Fargo Advisors LLC

David Jonathan Levy Wells Fargo Advisors LLC

Michael Lewis Lewis Advisory Group

William Richard Lilliott III Wells Fargo Advisors LLC

Brandon Linster UnionBanc Investment Services Page 28

Leland Littleton LPL Financial

Brian Lucewicz Morgan Stanley

David Lynn Morgan Stanley

Darrel Madison Wells Fargo Advisors LLC

John William Madison Wells Fargo Advisors LLC

Catherine Magantildea WWM Financial Page 26

Sean Manatt Edward Jones

Bruce John Marshall Wells Fargo Advisors LLC

Bart A Martinez Wells Fargo Advisors LLC

Keith McKenzie Delphi Private Advisors

Brian D McLean BDM Wealth Management

E Scott Miller Wells Fargo Advisors LLC

Franklin C Miller Wells Fargo Advisors LLC

J Scott Miller Morgan Stanley

Rodd R Miller Miller Wealth Management

Ryan Mitchell Triton Capital Advisors

Steve Montgomery Charles Schwab

Michael Moore American Money Management

Richard E Nerad Nerad amp Deppe Wealth Management

Miguel A Ortega Merrill Lynch

Jeffrey P Ott First Allied Securities

Donald R Overbeck Wells Fargo Advisors LLC

Debra Patterson AXA Advisors

Justin Peek Edward Jones

Jennifer R Perkinson Merrill Lynch

Paul Martin Peters Financial Plan Design Page 20

Christopher L Pitzak Berstain Global Wealth Management

Jeffrey S Platt Harrison - de Charon

David D Price Merrill Lynch

Stefan Prvanov Blankinship amp Foster

Gilbert Pumar Sterne Agee Financial Services

Daniel Michael Racicot Marine Street FinancialWells Fargo Advisors Financial Network LLC Page 22

Gerald Ramirez Morgan Stanley Page 15

David Harrison Rascoe Morgan Stanley Page 26

Arthur Regottaz Wells Fargo Advisors LLC

Christian Reuter RBC Wealth Management

Gary Rice Rice Hall James amp Associates

Donald Gerard Ritley Ameriprise Financial Services Inc

Mark E Robbins Wells Fargo Advisors LLC

Lori Robinson Morgan Stanley

Marc Roland Dean Roland Russell

Sheryl Rowling Rowling amp Associates

Andrew Russell Dean Roland Russell

Timothy Sagawa Ameriprise Financial Services Inc

Monte Sahba Wells Fargo Advisors LLC

Leo Schad RBC Wealth Management

Ronald Scherdorf Charles Schwab

Anna M Scherer Wells Fargo Advisors LLC

Stephen D Schneider Wells Fargo Advisors LLC

Vance E Schroeder Wells Fargo Advisors LLC Page 23

Robert Schulze Merrill Lynch

Gregg Shallan Wells Fargo Advisors LLC

Jean Sinclair Avenue Advisors

Bradley R Sissons Edward Jones

Christine Skoczek Skoczek amp Associates

Drew Scott Slacum Morgan Stanley

Gary Soble LPL Financial

Jonathan Stahley Ameriprise Financial Services Inc

Dorothy A Stanley Morgan Stanley Page 28

Eric Stegmann Charles Schwab

Scott T Sutherland Wells Fargo Advisors LLC Page 26

Jake Sutton Edward Jones

Matthew Sweeney RBC Wealth Management Page 14

Gregory Syrios Wells Fargo Advisors LLC

Jeffrey N Tadder Wells Fargo Advisors LLC

Theodore J Tadeusiak Morgan Stanley Page 24

Samuel R Tapia Jr Wells Fargo Advisors LLC

Thomas Tate Wells Fargo Advisors LLC

Carolyn Person Taylor Weatherly Asset Management Page 25

Michael Tedesco Morgan Stanley

Douglas Thomas Wells Fargo Advisors LLC

Peter C Thoms Orion Capital Management

Jeffrey Todd Todd Financial Group

Ann Tu Morgan Stanley

Nancy J Tuininga Wells Fargo Advisors LLC

Alejandro Valle Morgan Stanley Page 28

Mark Vigil Morgan Stanley

Alexander Voils Ameriprise Financial Services Inc

Mark Francis Walton Morgan Stanley

John Weimer Edward Jones

John P Weinstein Decision Investments

Peter Ryder Wheeler Wheeler Frost amp Associates

Schuyler R White Wells Fargo Advisors LLC

Robert Willgoss Compass Pointe Group Morgan Stanley

Barbara Williams Financial Focus

Robin Lennon Williams Morgan Stanley Page 28

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Joseph H Langlois III

The Core of Our Firmrsquos Philosophy Lies on Three Cornerstones

bull Diversifi cation mdash A base asset allocation strategy adjusted for your personal risk tolerance

bull Risk mitigation mdash Investment selections toward strategies that try to reduce downside risk

bull Tax effi ciency mdash Choosing the correct tax registration for specifi c investment types

880 West Washington Street bull San Diego CA 92103

Office (619) 320-4146

jlanglois3globalwealthpartnersinccom bull wwwglobalwealthpartnersinccom

Five Star Wealth Managers do not pay a fee to be included in the research of the final list The overall survey score reflects an average of all respondents and may not be representative of any one clientrsquos evaluationRegistered Representatives offering securities through First Allied Securities Inc A Registered BrokerDealer (Member FINRASIPC) Advisory Services offered through First Allied Advisory Services Inc A Registered Investment Adviser

Joseph H Langlois Ill CFPreg is a founding partner of Global Wealth Partners Inc Joey brings 17 years of experience as a wealth manager both domestically and internationally Joey has built his wealth planning practice by educating his clients on strategies to help mitigate income and estate taxes while potentially maximizing retirement benefits He helps his clients develop a plan to accumulate the assets necessary to reach retirement and he teaches them the importance of proper income distribution so they can enjoy a comfortable lifestyle when retired Philanthropy a passion of Joeyrsquos has led him to specialize in charitable planning Joey has been an integral member of the group that created the donor-advised fund at San Diego State University Joey lives with his wife Jen and their children Joseph H Langlois IV and Jakson Langlois in the Del Sur area of San Diego In his free time he enjoys visiting with family and friends football golf cooking and tasting fine wines

Global Wealth Partners Inc is an international wealth planning firm that follows an educational approach when advising clients to make sound financial decisions The firmrsquos process provides our worldwide clientele with the understanding necessary to feel confident in taking steps to secure the goals that are most important to them As an independently owned wealth planning firm we are openly selective in offering customized solutions that are best suited to our clientsrsquo objectives

Left to right Front row Joseph Langlois Jr CFPreg Kyle Farmer 2014 winner Joseph Langlois III CFPreg Dr Joseph Ellis CFPreg DPMBack row Christopher Weber Laura Szymanski MBA Maxwell Keltner CFPreg

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Joseph H Langlois III

The Core of Our Firmrsquos Philosophy Lies on Three Cornerstones

bull Diversifi cation mdash A base asset allocation strategy adjusted for your personal risk tolerance

bull Risk mitigation mdash Investment selections toward strategies that try to reduce downside risk

bull Tax effi ciency mdash Choosing the correct tax registration for specifi c investment types

880 West Washington Street bull San Diego CA 92103

Office (619) 320-4146

jlanglois3globalwealthpartnersinccom bull wwwglobalwealthpartnersinccom

Five Star Wealth Managers do not pay a fee to be included in the research of the final list The overall survey score reflects an average of all respondents and may not be representative of any one clientrsquos evaluationRegistered Representatives offering securities through First Allied Securities Inc A Registered BrokerDealer (Member FINRASIPC) Advisory Services offered through First Allied Advisory Services Inc A Registered Investment Adviser

Joseph H Langlois Ill CFPreg is a founding partner of Global Wealth Partners Inc Joey brings 17 years of experience as a wealth manager both domestically and internationally Joey has built his wealth planning practice by educating his clients on strategies to help mitigate income and estate taxes while potentially maximizing retirement benefits He helps his clients develop a plan to accumulate the assets necessary to reach retirement and he teaches them the importance of proper income distribution so they can enjoy a comfortable lifestyle when retired Philanthropy a passion of Joeyrsquos has led him to specialize in charitable planning Joey has been an integral member of the group that created the donor-advised fund at San Diego State University Joey lives with his wife Jen and their children Joseph H Langlois IV and Jakson Langlois in the Del Sur area of San Diego In his free time he enjoys visiting with family and friends football golf cooking and tasting fine wines

Global Wealth Partners Inc is an international wealth planning firm that follows an educational approach when advising clients to make sound financial decisions The firmrsquos process provides our worldwide clientele with the understanding necessary to feel confident in taking steps to secure the goals that are most important to them As an independently owned wealth planning firm we are openly selective in offering customized solutions that are best suited to our clientsrsquo objectives

Left to right Front row Joseph Langlois Jr CFPreg Kyle Farmer 2014 winner Joseph Langlois III CFPreg Dr Joseph Ellis CFPreg DPMBack row Christopher Weber Laura Szymanski MBA Maxwell Keltner CFPreg

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2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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FSbull8

AWM Global AdvisorsWe Manage Our Clientsrsquo Money as if It Were Our Own

Left to right Front row Guan Wang Diana Gonzalez two-year winner Ali AlSari Roxana McGrew Dilcia LoomisBack row Gary Graessle Shelly Ohl

bull Comprehensive fi nancial planningbull Dynamic asset allocation and portfolio constructionbull Strategic risk management

Our clients are our main focus and priority With our clientsrsquo trust and future fi nancial goals in mind AWM provides fi duciary objective and transparent advice We follow disciplined and fundamentally driven asset allocation strategies We strive

to protect wealth while continuing to act on opportunities in a constantly evolving global economy At AWM we are committed to delivering timely advice matched with high-quality service as our clients are our most valuable asset

750 B Street Suite 3150 bull San Diego CA 92101Office (619) 225-7600 bull Fax (619) 225-7700

AWMawmgacom bull wwwawmgacom

Advisory Services offered through AlSari Wealth Management Global Advisors LLC a Registered Investment AdvisorSecurities offered through Charles Schwab and Co Inc member FINRA SIPC AlSari Wealth Management and Charles Schwab are not affiliated

Two-Year

Winner

Global ApproachClient FocusTailored Solutions

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Matthew C Barnhart and Donald N Van DykeResource for Your Financial Needs

Left to right Three-year winners Donald Van Dyke FSRFinancial Advisor and Matthew C Barnhart FSRFinancial Planner Prianka Chowgule Executive Assistant

bull Investment managementbull Protection strategies

Our mission is to become a lifetime resource for individuals families and business by providing them exclusive personal fi nancial advice to help them achieve their fi nancial dreams

We accomplish this by forming a relationship and building trust with our clients off ering sound fi nancial advice and providing top-notch service to a select number of clients

MetLife3131 Camino del Rio North Suite 1200 bull San Diego CA 92108

Office (619) 641-3634 bull Toll-free (877) 267-7595mbarnhartmetlifecom bull dvandyke1metlifecom

Metropolitan Life Insurance Company (MLIC) New York NY 10166 Securities products and investment advisory services offered by MetLife Securities Inc (MSI) (member FINRASIPC) and a registered investment adviser MLIC and MSI are MetLife companies Five Star Professional and MetLife are not affiliated L111335089[exp1114][CA]

Donald N Van Dyke CA Lic D21805 Matthew C Barnhard CA Lic E36701

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2014 Fiv

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ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Dale A BeedResults-Based Strategy Designed to Alleviate Clientsrsquo Concerns in Pursuing Financial Goals

Please visit Dale through LinkedIn at wwwlinkedincomindalebeed

2012 ndash 2014 winner Dale A Beed First Vice President Financial Advisor

bull Preserve personal wealthbull Personalize portfolios for your retirement yearsbull Protect and grow a family legacy

Dale interacts with generations of families striving to alleviate concerns of their fi nancial future with a fi ve-stage formula While all Dalersquos clients are in various stages of their lives he diagnoses their individual specifi c needs through a highly customized question-based approach because he believes that understanding a clientrsquos goals and comfort level for risk are the cornerstones of a successful investment strategy that will enable them to navigate the future successfully

Dale has exclusive client-facing interaction and while he is a sole practitioner he is supported by a network of worldwide resources Dale has been a veteran of the securities industry since 1985 and as of May 2008 joined the fi rm of Morgan Stanley after more than 18 years at UBS

When not managing individual portfolios Dalersquos long-term passion for the ocean is carried on today through surfi ng which is his primary sport and recreation This passion started as a small child when he grew up in a small fi shing village and carried on in college where he studied mechanical engineering with a major in ocean wave hydraulics while working with the Maritime Services Board of New South Wales in Australia

Please visit Dalersquos website or LinkedIn for more information on how Dale helps investors overcome their obstacles and achieve their goals

1225 Prospect Street bull La Jolla CA 92037Phone (858) 729-5079 bull Toll-free (800) 473-2331 Ext 5079 bull Fax (858) 551-5907

dalebeedmorganstanleycom bull wwwmorganstanleyfacomdalebeed bull wwwlinkedincomindalebeed

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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FSbull11

Mary E CollinsYour Portfolio Is Worth a Second Opinion

Areas of Focus Retirement Planning Managed Money Life Insurance

2014 winner Mary E Collins Vice President ndash InvestmentsCA Insurance License Number 0A13733

bull Striving to smooth out a rough ridebull When navigating the rough waters of the markets an experienced Financial Advisor can help

Over the last decade numerous individuals and small businesses have suff ered from the volatility of the fi nancial markets Now is the time to address your individual needs and retirement plans

Mary follows a comprehensive process to customize strategies for each client She will work with you to identify your goals and understand your own risk tolerance

Utilizing the resources of Wells Fargo Advisors we help you pursue your needs and inspirations by giving insight and guidance on the stock and bond markets diff erent money managers and specifi c investments such as life insurance and annuities

With more than 25 years of investment experience Mary takes a holistic approach to portfolio evaluation

888 Prospect Street Suite 301 bull La Jolla CA 92037Office (858) 456-7760

marycollinswfadvisorscom

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 1113-01788]

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2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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DB Wealth Management Group LLCA Registered Investment Advisor

Focus Integrating Investment Tax Planning Retirement Income Risk Management and Estate Planning Strategies

Left to right Three-year winners Jeanne Bradford-Odorico CERTIFIED FINANCIAL PLANNERtrade Chartered Life Underwriterreg and Michael Donohue CERTIFIED FINANCIAL PLANNERtrade Certifi ed Fund Specialistreg

bull Partnering with clients to help create protect and preserve wealth through objective fi nancial planning and strategic investment management

What is your vision of retirement Do you have confi dence knowing you are fi nancially prepared and living life to its fullest Or are you spending your time worrying about outliving your money

Our combined experience of more than 50 years has been enhancing clientsrsquo lives by combining broad and deep technical fi nancial expertise with the ability and desire to understand what matters most to every client

DB Wealth Managementrsquos clients have unique individual circumstances and they rely on us to analyze and develop

personalized strategies By providing advice and insight regarding fi nancial alternatives and educating with clear explanations of relevant concepts we can help transform fi nancial visions into reality

We believe comprehensive wealth management is not found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality

DB Wealth Management Group LLC1450 Frazee Road Suite 610 bull San Diego CA 92108

Office (619) 497-0404 bull Fax (619) 497-0804wwwretirementstrategies4youcom

Michael K Donohue CA Insurance Lic 0685025 and Jeanne Bradford-Odorico CA Insurance Lic 0661685are Registered Principals with and securities offered through LPL Financial Member FINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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FSbull13

Epstein amp White Retirement Income Solutions LLCHelping Clients to Grow and Protect Their Wealth

Areas of Focus Retirement Income Planning for Pre-Retirees and the Recently Retired

Left to right Rubi Borja 2014 winner David M Epstein President Bradley White Vice President Charlene Freeborn

bull Retirement income and distribution strategiesbull Comprehensive wealth management and independent advicebull Relationships built on trust and integrity since 1983

We value our clients knowing that the relationship is the cornerstone of success Our passion for your fi nancial well-being and our commitment to your future starts with a thorough understanding of your current situation expectations and goals

Davidrsquos and Bradleyrsquos combined 35 years of experience will help us develop a comprehensive investment strategy and

solidify your retirement income plan mdash a plan that fi ts both your lifetime income needs and legacy goals

ldquoBy using the best fi nancial tools and strategies available our team and I take the fear out of your fi nancial future and give you confi dence in what lies aheadrdquo mdash David M Epstein President

Epstein amp White Retirement Income Solutions4660 La Jolla Village Drive Suite 500 bull San Diego CA 92122

Office (858) 535-4832 bull Fax (858) 535-4833depsteindavidmepsteincom bull epsteinandwhitecom bull yourretirementherocom

Investment Advisory Services offered on a fee basis through Global Financial Private Capital LLC an SEC Registered Investment Adviser

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FS14

2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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FSbull14

The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

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Man

agers

mdash w

wwfivestarprofessionalcom

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Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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FSbull24

Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

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Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

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ealth M

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

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5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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FS28

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

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SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

alsmdash

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wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

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2014 Fiv

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SPECIAL ADVERTISING SECTION

2014 Fiv

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

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SPECIAL ADVERTISING SECTION 2014 F

ive S

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Man

agers

mdash w

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Award winners listed by primary services and listed alphabetically by last name

Business PlanningGregory Banner Asset Preservation Strategies

Page 18

Keith Eck Keith Eck Financial

Estate PlanningSteven A Conte Beacon Retirement Planning

Group

Jonathan Edward Doering Thrivent Financial for Lutherans Page 19

Candise C Holmlund Weatherly Asset Management Page 25

Jamie Smith AXA Advisors

Sandeep Varma ATS Advanced Trustee Strategies

Financial PlanningMarie Accunzo Ameriprise Financial Services Inc

Joseph Anderson Pure Financial Advisors

Lawrence Andrews RBC Capital Page 18

Brian Armston Morgan Stanley

Mark Armstrong Morgan Stanley

Mark H Barker Financial Life Concepts

Matthew Barnhart MetLife Page 9

Sean Barrett Cornerstone Wealth Advisors

Joseph Bauers AXA Advisors

William Beamer Dowling amp Yahnke

Dale A Beed Morgan Stanley Page 10

Jacqueline Bell Dowling amp Yahnke

Doak R Belt Wealth amp Wisdom Partners Page 17

Joel Beyer Joel Beyer

Jon Beyrer Blankinship amp Foster

Robert Arthur Bothmer Littlejohn amp AssociatesAmeriprise Financial Services Inc

Shelley Boyce Financial Planning Solutions Page 27

Jeanne Bradford-Odorico DB Wealth Management Page 12

Adam Brown LPL Financial

James Hilton Buley Buley Wealth Management Group Page 19

Suzanne Cadwallader Ameriprise Financial Services Inc

Steven Carter Carter Financial

John Cartmill LPL Financial

Sean Cavanaugh Cavanaugh Financial Group

Ronald R Ceniceroz Integrated Wealth Strategies

William Chaffin Compass Pointe GroupMorgan Stanley

Sean Ciemiewicz Retirement Benefits Group

Adrian P Concepcion Merrill Lynch

Athena Constant Ameriprise Financial Services Inc

Kenneth Corlett Millennium Wealth Management Page 27

Kimberley Cyr Morgan Stanley

David V Daubenspeck North Island Credit Union

Mary Katherine Dean Dean Rolan Russell

Larry Deatherage Retirement Benefits Group

Raymond K Dexter LPL Financial

Curt J DiGiacomo Morgan Stanley

Michael K Donohue DB Wealth Management Page 12

Mark Dowling Dowling amp Yahnke

Daniel T Dubois Retirement Benefits Group

Jack Dugan Pure Financial Advisors

Paul Eliot Honeycutt Smith amp Associates

Brian C Elliott VALIC Page 27

David M Epstein Epstein and White Retirement Income Solutions Page 13

Roderick Evans Comprehensive Financial Group

Peter Falk Lincoln Financial Advisors

Brian Ferguson Ferguson McClure amp Associates

Zack Fielder Fielder Finley Wealth Management

Dax Fletcher Morgan Stanley Page 20

Anthony Michael Franchimone Retirement Benefits Group

Jon Frandell Merrill Lynch

Justin Frisco Principal Financial Group

Scott A Galbraith Crown Capital Securities

John M Gergurich Scripps Tax amp Financial Group Page 27

Tom Raymond Gibbings 2020 Financial Advisers of San Diego Page 25

Jeremy D Gottlieb Gottlieb Wealth Management Page 26

Orin M Green Ameriprise Financial Services Inc

Kyle Mark Hammerness Thrivent Financial

Fred Hamsayeh Retirement Benefits Group

Nicola Hanna Raymond James Financial Services

Steven Hansen Comprehensive Financial Group

Philip Harrison Ameriprise Financial Services Inc

Joris Hitt Morgan Stanley

Ann Hoeppner Blankinship amp Foster

John Howells Paramount Planning Group

Tamara G Huey Ameriprise Financial Services Inc

Besjana Husted Ferguson McClure amp Associates

Robert Inbody Morgan Stanley

John Logan Jenkins Asset Preservation Strategies Page 18

Brian Richard Johns Merrill Lynch

Teresa Ann Kakadelas Blankinship amp Foster

Sam Kashanchi AXA Advisors

Peter J Keller Pure Financial Advisors

Linda K Kitchens Hokanson Associates

Thomas James Kokjohn Morgan Stanley

Steven K Krogh LPL Financial

Nathan W Labiak Merrill Lynch

Steve Lahre RBC Wealth Management

Jean-Charles Lebours Ameriprise Financial Services Inc

Grant Adam Lewis Morgan Stanley Page 28

James Lewis Merrill Lynch

Travis Lewis BluePrint Wealth Partners

Paul S Lim Strategic Wealth Associates

Michael Lincoln Lincoln Capital

Shavon Lindley Market Pulse Wealth Management

Brad Lineberger Seaside Wealth Management

James R Lingelbach MetLife

Lauren Litman Morgan Stanley

William L Litton II Litton Financial

Steven Thomas Looser The Looser Financial Group

Leroy Lopez Wealth amp Wisdom Partners Page 17

J Marc Lord Independent Financial Group

David Lu Morgan Stanley Page 21

Ben Matthew Mallinger LPL Financial

Kyle Malmstrom Centara Capital

Michael Manning Manning Wealth Management

Chris McCann Morgan Stanley

Ed McClure Ferguson McClure amp Associates

William McColl Morgan Stanley

Patrick McNaughton Ameriprise Financial Services Inc

Amanda McNellis Morgan Stanley

Elizabeth Messick Morgan Stanley

Niels Mohler Merrill Lynch

Matthew Clifford Molstre Thrivent Financial for Lutherans Page 19

Alexander Monroe Compass Pointe GroupMorgan Stanley

J Carlton Morse II Morse Wealth Management Page 22

Jason S Mubarak Morgan Stanley

Tari A Nagel Ameriprise Financial Services Inc

Brian Neault RBC Wealth Management

Paul A Neves FSI Wealth Management

Kelly Newell LPL Financial

Arthur Clay Nicodemus III Nicodemus and Associates

Barbara Norman Womenrsquos Financial Academy

Andrew Norolahi Ameriprise Financial Services Inc

Rodrigo Oliva Ameriprise Financial Services Inc

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2014 Fiv

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wfivestarprofessionalcom

SPECIAL ADVERTISING SECTION

2014 Fiv

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wfivestarprofessionalcom

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Award winners listed by primary services and listed alphabetically by last name

Victor A Orozco MetLife

G Bradley Owen Donnelly Wealth Advisors

David Owens Independent Financial Group

Larry W Palmer 2020 Financial Advisers of San Diego

John Peelle Peelle Wealth Management

Ardaches Peltekian Morgan Stanley Page 20

Josephine Pemberton Pemberton Financial and Insurance Services

Vickie Petix Petix amp Botte Financial

Dean R Pfremmer Morgan Stanley Page 28

Christopher L Phelps Financial Life Concepts

Oliver Polo Merrill Lynch

Matthew Poole Poole amp TenBroeck Wealth Management Group

Chris Dale Rager Morgan Stanley

Christopher Rand Strategic Wealth Associates

Steven Kent Richter Ameriprise Financial Services Inc

Nathaniel Ritchison Pure Financial Advisors

Michael Roberts Morgan Stanley

Michael Rohling Rohling Wealth Management

Bryan Rohr Merrill Lynch

David Ross Morgan Stanley

John Rossitto Audubon Financial Design

Michael T Rundlett Mike Rundlett Financial

Brian Samuels Highland Capital Financial Consulting

Ivan A Schleder Ameriprise Financial Services Inc

Martin Carl Schneider Ameritas Investment

James T Schwager Ameriprise Financial Services Inc

John Sedberry LPL Financial

Alan Gregory Shapiro Morgan Stanley

Martin A Shapiro Martin Shapiro

John Shelton JMS Wealth Management

Eric E Simms Ameriprise Financial Services Inc

Rodney A Simms Ameriprise Financial Services Inc

Philip Smith Ameriprise Financial Services Inc

Ronald Francis Smith Honeycutt Smith amp Associates

Kimberlie Sonnenberg Sonnenberg Financial Solutions Page 23

Markell A Staffieri Financial Advisory Corporation

Danielle DeMarce Stanton LPL Financial Page 28

Bryan Stebel Stebel Financial Group Page 16

W Gary Stemple PlanForTomorrow

Janean Stripe RJL Wealth Management

Christopher Szot Morgan Stanley

John Tanner Ameriprise Financial Services Inc

Christopher Taylor Taylor Financial Services

Paul Temby Dowling amp Yahnke

Dustin TenBroeck Poole amp TenBroeck Wealth Management Group

Darren B Todd New England Securities

Thomas Trax LPL Financial

Michael Turley First Command Financial Services

Donald N Van Dyke MetLife Page 9

Maureen Verduyn The Financial Team

Jodi Vleck Beta Wealth Group

Brian E Wilverding Ameriprise Financial Services Inc

Monika E Windle Financial Plan Design Page 20

Michael Woitkoski Strategic Wealth Associates

Dale Yahnke Dowling amp Yahnke

Perry A Zeigler Merrill Lynch

InsuranceJason Gerard Giorgio Pacific Advisors

InvestmentsJoseph Adamo Morgan Stanley Page 27

John S Agostino Wells Fargo Advisors LLC Page 27

Ali AlSari AWM Global Advisors Page 8

Rick Alvarado WealthOne Advisors

Michael Andreotti Wells Fargo Advisors LLC

Mark W Andrews Andrews Capital Management

John Samuel Armstrong IV Wells Fargo Advisors LLC

Daniel Avan Morgan Stanley

Perry Bacon Marine StreetWells Fargo Advisors Financial Network LLC Page 22

John Balmer LPL Financial

Samuel Bauchmann LPL Financial

Mark Bobin Diversified Investment Group

James B Bond Morgan Stanley

William Bonelli Morgan Stanley

Tricia A Bothmer RBC Wealth Management Page 25

Doug Bowcock Wells Fargo Advisors LLC

William Shawn Brennan Summit Global Management

Eric Bresnick Morgan Stanley

Frederick Brooks Blankinship amp Foster

Jeffrey Brown Wells Fargo Advisors LLC

Ryan James Callan Callan Capital

Timothy Smith Callan Callan Capital

Trevor Michael Callan Callan Capital

Leslie Minter Castillo Crowell Weedon amp Company

Kurt Cecconi Principal Financial Group

Jose Cetale Wells Fargo Advisors LLC

Robin L Chaffey Wells Fargo Advisors LLC

Patrick H Chambers Newport Coast Securities

Marc Channick Delphi Private Advisors

Joseph B Childrey Probabilities Fund Management

Matthew Childs Morgan Stanley

Jeff A Christie Ken Stern amp Associates

Brendan Van Cleve Ken Stern amp Associates

Bret A Cleveland Morgan Stanley Page 27

Douglas Cochran Morgan Stanley

Joseph Cohen HoyleCohen Wealth Management

Mary E Collins Wells Fargo Advisors LLC Page 11

Kristian Colvin Emerson Equity

Raymond Corney Morgan Stanley

Robert Crane Thrivent Financial

Daniel Crotta Morgan Stanley

Rene de Charon Harrison - de Charon

Steve Deppe Nerad amp Deppe Wealth Management

Dale M Doorly Morgan Stanley

Charles Duncan Duncan Investment Advisors

Kevin Dyerly Wells Fargo Advisors LLC

Robert C Eddy Creative Capital Management

Mark Erwin Common Wealth Financial Network

Jonathan Fairchild Telos Capital Management Page 24

Bassam Farah Wells Fargo Advisors LLC

Toby Ferner Wells Fargo Advisors LLC

Christopher Ficara Merrill Lynch

Kris Field Field Wealth Management Group

Jeffrey J Fink RBC Wealth Management

Paul Firth Wedbush Securities

James R Flickinger LPL Financial

Gregory Flynn Wells Fargo Advisors LLC

John Folsom RBC Wealth Management Page 14

Gloria Dawn Foot Financial Focus

Blake Foster Wells Fargo Advisors LLC

George V Foster Wells Fargo Advisors LLC

Scott R Frank Weatherly Asset Management Page 25

Norbert Frassa Morgan Stanley Page 27

James Alan Freeman Financial Alternatives

Richard B French Morgan Stanley

Kenneth G Frost Wheeler Frost amp Associates

Michael Funtas Edward Jones

John O Gailey Wells Fargo Advisors LLC

David Galluccio Wells Fargo Advisors LLC

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SPECIAL ADVERTISING SECTION 2014 F

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Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

Ray Garnica Morgan Stanley

Sylvia Geffen Wells Fargo Advisors LLC

Jay Gelbart Merrill Lynch

Justine Girard Wells Fargo Advisors LLC

Scott A Glasson Wells Fargo Advisors LLC

Gary Glockzin WealthGurus

John Greene RBC Wealth Management

Jorge R Guerra Morgan Stanley

Isaac Hansen Trilogy Financial Services

Jason D Hansen Wells Fargo Advisors LLC

Kyle Harrington Harrington Capital Management

David Michael Harrison Wells Fargo Advisors LLC

Hayley Higgins Wells Fargo Advisors LLC

Philip Hill Wells Fargo Advisors LLC

Craig Hillegas Hillegas Advisory Services

David R Hirons Wells Fargo Advisors LLC

William Holloway Wells Fargo Advisors LLC Page 28

Scott D Hood Merrill Lynch

Tina Giacomini Huston JM Financial Strategies

Paul Hynes HearthStone

Randall Iwai Morgan Stanley

Luis Antonio Izaguirre Morgan Stanley Page 21

Jacqueline Kaiser MetLife

Patrick Kearney Wells Fargo Advisors LLC

Christopher Kozo Wells Fargo Advisors LLC

James Kuntz Pacific Wealth Management

Scott Kyle Coastwise Capital Group

Jason Labrum Labrum Wealth Management

Joseph Holland Langlois III Global Wealth Partners Page 6 amp 7

Martin D Levine Wells Fargo Advisors LLC

David Jonathan Levy Wells Fargo Advisors LLC

Michael Lewis Lewis Advisory Group

William Richard Lilliott III Wells Fargo Advisors LLC

Brandon Linster UnionBanc Investment Services Page 28

Leland Littleton LPL Financial

Brian Lucewicz Morgan Stanley

David Lynn Morgan Stanley

Darrel Madison Wells Fargo Advisors LLC

John William Madison Wells Fargo Advisors LLC

Catherine Magantildea WWM Financial Page 26

Sean Manatt Edward Jones

Bruce John Marshall Wells Fargo Advisors LLC

Bart A Martinez Wells Fargo Advisors LLC

Keith McKenzie Delphi Private Advisors

Brian D McLean BDM Wealth Management

E Scott Miller Wells Fargo Advisors LLC

Franklin C Miller Wells Fargo Advisors LLC

J Scott Miller Morgan Stanley

Rodd R Miller Miller Wealth Management

Ryan Mitchell Triton Capital Advisors

Steve Montgomery Charles Schwab

Michael Moore American Money Management

Richard E Nerad Nerad amp Deppe Wealth Management

Miguel A Ortega Merrill Lynch

Jeffrey P Ott First Allied Securities

Donald R Overbeck Wells Fargo Advisors LLC

Debra Patterson AXA Advisors

Justin Peek Edward Jones

Jennifer R Perkinson Merrill Lynch

Paul Martin Peters Financial Plan Design Page 20

Christopher L Pitzak Berstain Global Wealth Management

Jeffrey S Platt Harrison - de Charon

David D Price Merrill Lynch

Stefan Prvanov Blankinship amp Foster

Gilbert Pumar Sterne Agee Financial Services

Daniel Michael Racicot Marine Street FinancialWells Fargo Advisors Financial Network LLC Page 22

Gerald Ramirez Morgan Stanley Page 15

David Harrison Rascoe Morgan Stanley Page 26

Arthur Regottaz Wells Fargo Advisors LLC

Christian Reuter RBC Wealth Management

Gary Rice Rice Hall James amp Associates

Donald Gerard Ritley Ameriprise Financial Services Inc

Mark E Robbins Wells Fargo Advisors LLC

Lori Robinson Morgan Stanley

Marc Roland Dean Roland Russell

Sheryl Rowling Rowling amp Associates

Andrew Russell Dean Roland Russell

Timothy Sagawa Ameriprise Financial Services Inc

Monte Sahba Wells Fargo Advisors LLC

Leo Schad RBC Wealth Management

Ronald Scherdorf Charles Schwab

Anna M Scherer Wells Fargo Advisors LLC

Stephen D Schneider Wells Fargo Advisors LLC

Vance E Schroeder Wells Fargo Advisors LLC Page 23

Robert Schulze Merrill Lynch

Gregg Shallan Wells Fargo Advisors LLC

Jean Sinclair Avenue Advisors

Bradley R Sissons Edward Jones

Christine Skoczek Skoczek amp Associates

Drew Scott Slacum Morgan Stanley

Gary Soble LPL Financial

Jonathan Stahley Ameriprise Financial Services Inc

Dorothy A Stanley Morgan Stanley Page 28

Eric Stegmann Charles Schwab

Scott T Sutherland Wells Fargo Advisors LLC Page 26

Jake Sutton Edward Jones

Matthew Sweeney RBC Wealth Management Page 14

Gregory Syrios Wells Fargo Advisors LLC

Jeffrey N Tadder Wells Fargo Advisors LLC

Theodore J Tadeusiak Morgan Stanley Page 24

Samuel R Tapia Jr Wells Fargo Advisors LLC

Thomas Tate Wells Fargo Advisors LLC

Carolyn Person Taylor Weatherly Asset Management Page 25

Michael Tedesco Morgan Stanley

Douglas Thomas Wells Fargo Advisors LLC

Peter C Thoms Orion Capital Management

Jeffrey Todd Todd Financial Group

Ann Tu Morgan Stanley

Nancy J Tuininga Wells Fargo Advisors LLC

Alejandro Valle Morgan Stanley Page 28

Mark Vigil Morgan Stanley

Alexander Voils Ameriprise Financial Services Inc

Mark Francis Walton Morgan Stanley

John Weimer Edward Jones

John P Weinstein Decision Investments

Peter Ryder Wheeler Wheeler Frost amp Associates

Schuyler R White Wells Fargo Advisors LLC

Robert Willgoss Compass Pointe Group Morgan Stanley

Barbara Williams Financial Focus

Robin Lennon Williams Morgan Stanley Page 28

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2014 Fiv

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ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Joseph H Langlois III

The Core of Our Firmrsquos Philosophy Lies on Three Cornerstones

bull Diversifi cation mdash A base asset allocation strategy adjusted for your personal risk tolerance

bull Risk mitigation mdash Investment selections toward strategies that try to reduce downside risk

bull Tax effi ciency mdash Choosing the correct tax registration for specifi c investment types

880 West Washington Street bull San Diego CA 92103

Office (619) 320-4146

jlanglois3globalwealthpartnersinccom bull wwwglobalwealthpartnersinccom

Five Star Wealth Managers do not pay a fee to be included in the research of the final list The overall survey score reflects an average of all respondents and may not be representative of any one clientrsquos evaluationRegistered Representatives offering securities through First Allied Securities Inc A Registered BrokerDealer (Member FINRASIPC) Advisory Services offered through First Allied Advisory Services Inc A Registered Investment Adviser

Joseph H Langlois Ill CFPreg is a founding partner of Global Wealth Partners Inc Joey brings 17 years of experience as a wealth manager both domestically and internationally Joey has built his wealth planning practice by educating his clients on strategies to help mitigate income and estate taxes while potentially maximizing retirement benefits He helps his clients develop a plan to accumulate the assets necessary to reach retirement and he teaches them the importance of proper income distribution so they can enjoy a comfortable lifestyle when retired Philanthropy a passion of Joeyrsquos has led him to specialize in charitable planning Joey has been an integral member of the group that created the donor-advised fund at San Diego State University Joey lives with his wife Jen and their children Joseph H Langlois IV and Jakson Langlois in the Del Sur area of San Diego In his free time he enjoys visiting with family and friends football golf cooking and tasting fine wines

Global Wealth Partners Inc is an international wealth planning firm that follows an educational approach when advising clients to make sound financial decisions The firmrsquos process provides our worldwide clientele with the understanding necessary to feel confident in taking steps to secure the goals that are most important to them As an independently owned wealth planning firm we are openly selective in offering customized solutions that are best suited to our clientsrsquo objectives

Left to right Front row Joseph Langlois Jr CFPreg Kyle Farmer 2014 winner Joseph Langlois III CFPreg Dr Joseph Ellis CFPreg DPMBack row Christopher Weber Laura Szymanski MBA Maxwell Keltner CFPreg

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Joseph H Langlois III

The Core of Our Firmrsquos Philosophy Lies on Three Cornerstones

bull Diversifi cation mdash A base asset allocation strategy adjusted for your personal risk tolerance

bull Risk mitigation mdash Investment selections toward strategies that try to reduce downside risk

bull Tax effi ciency mdash Choosing the correct tax registration for specifi c investment types

880 West Washington Street bull San Diego CA 92103

Office (619) 320-4146

jlanglois3globalwealthpartnersinccom bull wwwglobalwealthpartnersinccom

Five Star Wealth Managers do not pay a fee to be included in the research of the final list The overall survey score reflects an average of all respondents and may not be representative of any one clientrsquos evaluationRegistered Representatives offering securities through First Allied Securities Inc A Registered BrokerDealer (Member FINRASIPC) Advisory Services offered through First Allied Advisory Services Inc A Registered Investment Adviser

Joseph H Langlois Ill CFPreg is a founding partner of Global Wealth Partners Inc Joey brings 17 years of experience as a wealth manager both domestically and internationally Joey has built his wealth planning practice by educating his clients on strategies to help mitigate income and estate taxes while potentially maximizing retirement benefits He helps his clients develop a plan to accumulate the assets necessary to reach retirement and he teaches them the importance of proper income distribution so they can enjoy a comfortable lifestyle when retired Philanthropy a passion of Joeyrsquos has led him to specialize in charitable planning Joey has been an integral member of the group that created the donor-advised fund at San Diego State University Joey lives with his wife Jen and their children Joseph H Langlois IV and Jakson Langlois in the Del Sur area of San Diego In his free time he enjoys visiting with family and friends football golf cooking and tasting fine wines

Global Wealth Partners Inc is an international wealth planning firm that follows an educational approach when advising clients to make sound financial decisions The firmrsquos process provides our worldwide clientele with the understanding necessary to feel confident in taking steps to secure the goals that are most important to them As an independently owned wealth planning firm we are openly selective in offering customized solutions that are best suited to our clientsrsquo objectives

Left to right Front row Joseph Langlois Jr CFPreg Kyle Farmer 2014 winner Joseph Langlois III CFPreg Dr Joseph Ellis CFPreg DPMBack row Christopher Weber Laura Szymanski MBA Maxwell Keltner CFPreg

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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AWM Global AdvisorsWe Manage Our Clientsrsquo Money as if It Were Our Own

Left to right Front row Guan Wang Diana Gonzalez two-year winner Ali AlSari Roxana McGrew Dilcia LoomisBack row Gary Graessle Shelly Ohl

bull Comprehensive fi nancial planningbull Dynamic asset allocation and portfolio constructionbull Strategic risk management

Our clients are our main focus and priority With our clientsrsquo trust and future fi nancial goals in mind AWM provides fi duciary objective and transparent advice We follow disciplined and fundamentally driven asset allocation strategies We strive

to protect wealth while continuing to act on opportunities in a constantly evolving global economy At AWM we are committed to delivering timely advice matched with high-quality service as our clients are our most valuable asset

750 B Street Suite 3150 bull San Diego CA 92101Office (619) 225-7600 bull Fax (619) 225-7700

AWMawmgacom bull wwwawmgacom

Advisory Services offered through AlSari Wealth Management Global Advisors LLC a Registered Investment AdvisorSecurities offered through Charles Schwab and Co Inc member FINRA SIPC AlSari Wealth Management and Charles Schwab are not affiliated

Two-Year

Winner

Global ApproachClient FocusTailored Solutions

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Matthew C Barnhart and Donald N Van DykeResource for Your Financial Needs

Left to right Three-year winners Donald Van Dyke FSRFinancial Advisor and Matthew C Barnhart FSRFinancial Planner Prianka Chowgule Executive Assistant

bull Investment managementbull Protection strategies

Our mission is to become a lifetime resource for individuals families and business by providing them exclusive personal fi nancial advice to help them achieve their fi nancial dreams

We accomplish this by forming a relationship and building trust with our clients off ering sound fi nancial advice and providing top-notch service to a select number of clients

MetLife3131 Camino del Rio North Suite 1200 bull San Diego CA 92108

Office (619) 641-3634 bull Toll-free (877) 267-7595mbarnhartmetlifecom bull dvandyke1metlifecom

Metropolitan Life Insurance Company (MLIC) New York NY 10166 Securities products and investment advisory services offered by MetLife Securities Inc (MSI) (member FINRASIPC) and a registered investment adviser MLIC and MSI are MetLife companies Five Star Professional and MetLife are not affiliated L111335089[exp1114][CA]

Donald N Van Dyke CA Lic D21805 Matthew C Barnhard CA Lic E36701

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2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Dale A BeedResults-Based Strategy Designed to Alleviate Clientsrsquo Concerns in Pursuing Financial Goals

Please visit Dale through LinkedIn at wwwlinkedincomindalebeed

2012 ndash 2014 winner Dale A Beed First Vice President Financial Advisor

bull Preserve personal wealthbull Personalize portfolios for your retirement yearsbull Protect and grow a family legacy

Dale interacts with generations of families striving to alleviate concerns of their fi nancial future with a fi ve-stage formula While all Dalersquos clients are in various stages of their lives he diagnoses their individual specifi c needs through a highly customized question-based approach because he believes that understanding a clientrsquos goals and comfort level for risk are the cornerstones of a successful investment strategy that will enable them to navigate the future successfully

Dale has exclusive client-facing interaction and while he is a sole practitioner he is supported by a network of worldwide resources Dale has been a veteran of the securities industry since 1985 and as of May 2008 joined the fi rm of Morgan Stanley after more than 18 years at UBS

When not managing individual portfolios Dalersquos long-term passion for the ocean is carried on today through surfi ng which is his primary sport and recreation This passion started as a small child when he grew up in a small fi shing village and carried on in college where he studied mechanical engineering with a major in ocean wave hydraulics while working with the Maritime Services Board of New South Wales in Australia

Please visit Dalersquos website or LinkedIn for more information on how Dale helps investors overcome their obstacles and achieve their goals

1225 Prospect Street bull La Jolla CA 92037Phone (858) 729-5079 bull Toll-free (800) 473-2331 Ext 5079 bull Fax (858) 551-5907

dalebeedmorganstanleycom bull wwwmorganstanleyfacomdalebeed bull wwwlinkedincomindalebeed

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Mary E CollinsYour Portfolio Is Worth a Second Opinion

Areas of Focus Retirement Planning Managed Money Life Insurance

2014 winner Mary E Collins Vice President ndash InvestmentsCA Insurance License Number 0A13733

bull Striving to smooth out a rough ridebull When navigating the rough waters of the markets an experienced Financial Advisor can help

Over the last decade numerous individuals and small businesses have suff ered from the volatility of the fi nancial markets Now is the time to address your individual needs and retirement plans

Mary follows a comprehensive process to customize strategies for each client She will work with you to identify your goals and understand your own risk tolerance

Utilizing the resources of Wells Fargo Advisors we help you pursue your needs and inspirations by giving insight and guidance on the stock and bond markets diff erent money managers and specifi c investments such as life insurance and annuities

With more than 25 years of investment experience Mary takes a holistic approach to portfolio evaluation

888 Prospect Street Suite 301 bull La Jolla CA 92037Office (858) 456-7760

marycollinswfadvisorscom

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 1113-01788]

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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DB Wealth Management Group LLCA Registered Investment Advisor

Focus Integrating Investment Tax Planning Retirement Income Risk Management and Estate Planning Strategies

Left to right Three-year winners Jeanne Bradford-Odorico CERTIFIED FINANCIAL PLANNERtrade Chartered Life Underwriterreg and Michael Donohue CERTIFIED FINANCIAL PLANNERtrade Certifi ed Fund Specialistreg

bull Partnering with clients to help create protect and preserve wealth through objective fi nancial planning and strategic investment management

What is your vision of retirement Do you have confi dence knowing you are fi nancially prepared and living life to its fullest Or are you spending your time worrying about outliving your money

Our combined experience of more than 50 years has been enhancing clientsrsquo lives by combining broad and deep technical fi nancial expertise with the ability and desire to understand what matters most to every client

DB Wealth Managementrsquos clients have unique individual circumstances and they rely on us to analyze and develop

personalized strategies By providing advice and insight regarding fi nancial alternatives and educating with clear explanations of relevant concepts we can help transform fi nancial visions into reality

We believe comprehensive wealth management is not found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality

DB Wealth Management Group LLC1450 Frazee Road Suite 610 bull San Diego CA 92108

Office (619) 497-0404 bull Fax (619) 497-0804wwwretirementstrategies4youcom

Michael K Donohue CA Insurance Lic 0685025 and Jeanne Bradford-Odorico CA Insurance Lic 0661685are Registered Principals with and securities offered through LPL Financial Member FINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Epstein amp White Retirement Income Solutions LLCHelping Clients to Grow and Protect Their Wealth

Areas of Focus Retirement Income Planning for Pre-Retirees and the Recently Retired

Left to right Rubi Borja 2014 winner David M Epstein President Bradley White Vice President Charlene Freeborn

bull Retirement income and distribution strategiesbull Comprehensive wealth management and independent advicebull Relationships built on trust and integrity since 1983

We value our clients knowing that the relationship is the cornerstone of success Our passion for your fi nancial well-being and our commitment to your future starts with a thorough understanding of your current situation expectations and goals

Davidrsquos and Bradleyrsquos combined 35 years of experience will help us develop a comprehensive investment strategy and

solidify your retirement income plan mdash a plan that fi ts both your lifetime income needs and legacy goals

ldquoBy using the best fi nancial tools and strategies available our team and I take the fear out of your fi nancial future and give you confi dence in what lies aheadrdquo mdash David M Epstein President

Epstein amp White Retirement Income Solutions4660 La Jolla Village Drive Suite 500 bull San Diego CA 92122

Office (858) 535-4832 bull Fax (858) 535-4833depsteindavidmepsteincom bull epsteinandwhitecom bull yourretirementherocom

Investment Advisory Services offered on a fee basis through Global Financial Private Capital LLC an SEC Registered Investment Adviser

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2014 Fiv

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ealth M

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

mdash w

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Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

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Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

mdash w

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Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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ealth M

anag

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David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

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5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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FS28

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

FSbull28

101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

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SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

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wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

FSbull29

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2014 Fiv

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SPECIAL ADVERTISING SECTION

2014 Fiv

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

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2014 Fiv

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SPECIAL ADVERTISING SECTION

2014 Fiv

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Award winners listed by primary services and listed alphabetically by last name

Victor A Orozco MetLife

G Bradley Owen Donnelly Wealth Advisors

David Owens Independent Financial Group

Larry W Palmer 2020 Financial Advisers of San Diego

John Peelle Peelle Wealth Management

Ardaches Peltekian Morgan Stanley Page 20

Josephine Pemberton Pemberton Financial and Insurance Services

Vickie Petix Petix amp Botte Financial

Dean R Pfremmer Morgan Stanley Page 28

Christopher L Phelps Financial Life Concepts

Oliver Polo Merrill Lynch

Matthew Poole Poole amp TenBroeck Wealth Management Group

Chris Dale Rager Morgan Stanley

Christopher Rand Strategic Wealth Associates

Steven Kent Richter Ameriprise Financial Services Inc

Nathaniel Ritchison Pure Financial Advisors

Michael Roberts Morgan Stanley

Michael Rohling Rohling Wealth Management

Bryan Rohr Merrill Lynch

David Ross Morgan Stanley

John Rossitto Audubon Financial Design

Michael T Rundlett Mike Rundlett Financial

Brian Samuels Highland Capital Financial Consulting

Ivan A Schleder Ameriprise Financial Services Inc

Martin Carl Schneider Ameritas Investment

James T Schwager Ameriprise Financial Services Inc

John Sedberry LPL Financial

Alan Gregory Shapiro Morgan Stanley

Martin A Shapiro Martin Shapiro

John Shelton JMS Wealth Management

Eric E Simms Ameriprise Financial Services Inc

Rodney A Simms Ameriprise Financial Services Inc

Philip Smith Ameriprise Financial Services Inc

Ronald Francis Smith Honeycutt Smith amp Associates

Kimberlie Sonnenberg Sonnenberg Financial Solutions Page 23

Markell A Staffieri Financial Advisory Corporation

Danielle DeMarce Stanton LPL Financial Page 28

Bryan Stebel Stebel Financial Group Page 16

W Gary Stemple PlanForTomorrow

Janean Stripe RJL Wealth Management

Christopher Szot Morgan Stanley

John Tanner Ameriprise Financial Services Inc

Christopher Taylor Taylor Financial Services

Paul Temby Dowling amp Yahnke

Dustin TenBroeck Poole amp TenBroeck Wealth Management Group

Darren B Todd New England Securities

Thomas Trax LPL Financial

Michael Turley First Command Financial Services

Donald N Van Dyke MetLife Page 9

Maureen Verduyn The Financial Team

Jodi Vleck Beta Wealth Group

Brian E Wilverding Ameriprise Financial Services Inc

Monika E Windle Financial Plan Design Page 20

Michael Woitkoski Strategic Wealth Associates

Dale Yahnke Dowling amp Yahnke

Perry A Zeigler Merrill Lynch

InsuranceJason Gerard Giorgio Pacific Advisors

InvestmentsJoseph Adamo Morgan Stanley Page 27

John S Agostino Wells Fargo Advisors LLC Page 27

Ali AlSari AWM Global Advisors Page 8

Rick Alvarado WealthOne Advisors

Michael Andreotti Wells Fargo Advisors LLC

Mark W Andrews Andrews Capital Management

John Samuel Armstrong IV Wells Fargo Advisors LLC

Daniel Avan Morgan Stanley

Perry Bacon Marine StreetWells Fargo Advisors Financial Network LLC Page 22

John Balmer LPL Financial

Samuel Bauchmann LPL Financial

Mark Bobin Diversified Investment Group

James B Bond Morgan Stanley

William Bonelli Morgan Stanley

Tricia A Bothmer RBC Wealth Management Page 25

Doug Bowcock Wells Fargo Advisors LLC

William Shawn Brennan Summit Global Management

Eric Bresnick Morgan Stanley

Frederick Brooks Blankinship amp Foster

Jeffrey Brown Wells Fargo Advisors LLC

Ryan James Callan Callan Capital

Timothy Smith Callan Callan Capital

Trevor Michael Callan Callan Capital

Leslie Minter Castillo Crowell Weedon amp Company

Kurt Cecconi Principal Financial Group

Jose Cetale Wells Fargo Advisors LLC

Robin L Chaffey Wells Fargo Advisors LLC

Patrick H Chambers Newport Coast Securities

Marc Channick Delphi Private Advisors

Joseph B Childrey Probabilities Fund Management

Matthew Childs Morgan Stanley

Jeff A Christie Ken Stern amp Associates

Brendan Van Cleve Ken Stern amp Associates

Bret A Cleveland Morgan Stanley Page 27

Douglas Cochran Morgan Stanley

Joseph Cohen HoyleCohen Wealth Management

Mary E Collins Wells Fargo Advisors LLC Page 11

Kristian Colvin Emerson Equity

Raymond Corney Morgan Stanley

Robert Crane Thrivent Financial

Daniel Crotta Morgan Stanley

Rene de Charon Harrison - de Charon

Steve Deppe Nerad amp Deppe Wealth Management

Dale M Doorly Morgan Stanley

Charles Duncan Duncan Investment Advisors

Kevin Dyerly Wells Fargo Advisors LLC

Robert C Eddy Creative Capital Management

Mark Erwin Common Wealth Financial Network

Jonathan Fairchild Telos Capital Management Page 24

Bassam Farah Wells Fargo Advisors LLC

Toby Ferner Wells Fargo Advisors LLC

Christopher Ficara Merrill Lynch

Kris Field Field Wealth Management Group

Jeffrey J Fink RBC Wealth Management

Paul Firth Wedbush Securities

James R Flickinger LPL Financial

Gregory Flynn Wells Fargo Advisors LLC

John Folsom RBC Wealth Management Page 14

Gloria Dawn Foot Financial Focus

Blake Foster Wells Fargo Advisors LLC

George V Foster Wells Fargo Advisors LLC

Scott R Frank Weatherly Asset Management Page 25

Norbert Frassa Morgan Stanley Page 27

James Alan Freeman Financial Alternatives

Richard B French Morgan Stanley

Kenneth G Frost Wheeler Frost amp Associates

Michael Funtas Edward Jones

John O Gailey Wells Fargo Advisors LLC

David Galluccio Wells Fargo Advisors LLC

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SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull5

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

Ray Garnica Morgan Stanley

Sylvia Geffen Wells Fargo Advisors LLC

Jay Gelbart Merrill Lynch

Justine Girard Wells Fargo Advisors LLC

Scott A Glasson Wells Fargo Advisors LLC

Gary Glockzin WealthGurus

John Greene RBC Wealth Management

Jorge R Guerra Morgan Stanley

Isaac Hansen Trilogy Financial Services

Jason D Hansen Wells Fargo Advisors LLC

Kyle Harrington Harrington Capital Management

David Michael Harrison Wells Fargo Advisors LLC

Hayley Higgins Wells Fargo Advisors LLC

Philip Hill Wells Fargo Advisors LLC

Craig Hillegas Hillegas Advisory Services

David R Hirons Wells Fargo Advisors LLC

William Holloway Wells Fargo Advisors LLC Page 28

Scott D Hood Merrill Lynch

Tina Giacomini Huston JM Financial Strategies

Paul Hynes HearthStone

Randall Iwai Morgan Stanley

Luis Antonio Izaguirre Morgan Stanley Page 21

Jacqueline Kaiser MetLife

Patrick Kearney Wells Fargo Advisors LLC

Christopher Kozo Wells Fargo Advisors LLC

James Kuntz Pacific Wealth Management

Scott Kyle Coastwise Capital Group

Jason Labrum Labrum Wealth Management

Joseph Holland Langlois III Global Wealth Partners Page 6 amp 7

Martin D Levine Wells Fargo Advisors LLC

David Jonathan Levy Wells Fargo Advisors LLC

Michael Lewis Lewis Advisory Group

William Richard Lilliott III Wells Fargo Advisors LLC

Brandon Linster UnionBanc Investment Services Page 28

Leland Littleton LPL Financial

Brian Lucewicz Morgan Stanley

David Lynn Morgan Stanley

Darrel Madison Wells Fargo Advisors LLC

John William Madison Wells Fargo Advisors LLC

Catherine Magantildea WWM Financial Page 26

Sean Manatt Edward Jones

Bruce John Marshall Wells Fargo Advisors LLC

Bart A Martinez Wells Fargo Advisors LLC

Keith McKenzie Delphi Private Advisors

Brian D McLean BDM Wealth Management

E Scott Miller Wells Fargo Advisors LLC

Franklin C Miller Wells Fargo Advisors LLC

J Scott Miller Morgan Stanley

Rodd R Miller Miller Wealth Management

Ryan Mitchell Triton Capital Advisors

Steve Montgomery Charles Schwab

Michael Moore American Money Management

Richard E Nerad Nerad amp Deppe Wealth Management

Miguel A Ortega Merrill Lynch

Jeffrey P Ott First Allied Securities

Donald R Overbeck Wells Fargo Advisors LLC

Debra Patterson AXA Advisors

Justin Peek Edward Jones

Jennifer R Perkinson Merrill Lynch

Paul Martin Peters Financial Plan Design Page 20

Christopher L Pitzak Berstain Global Wealth Management

Jeffrey S Platt Harrison - de Charon

David D Price Merrill Lynch

Stefan Prvanov Blankinship amp Foster

Gilbert Pumar Sterne Agee Financial Services

Daniel Michael Racicot Marine Street FinancialWells Fargo Advisors Financial Network LLC Page 22

Gerald Ramirez Morgan Stanley Page 15

David Harrison Rascoe Morgan Stanley Page 26

Arthur Regottaz Wells Fargo Advisors LLC

Christian Reuter RBC Wealth Management

Gary Rice Rice Hall James amp Associates

Donald Gerard Ritley Ameriprise Financial Services Inc

Mark E Robbins Wells Fargo Advisors LLC

Lori Robinson Morgan Stanley

Marc Roland Dean Roland Russell

Sheryl Rowling Rowling amp Associates

Andrew Russell Dean Roland Russell

Timothy Sagawa Ameriprise Financial Services Inc

Monte Sahba Wells Fargo Advisors LLC

Leo Schad RBC Wealth Management

Ronald Scherdorf Charles Schwab

Anna M Scherer Wells Fargo Advisors LLC

Stephen D Schneider Wells Fargo Advisors LLC

Vance E Schroeder Wells Fargo Advisors LLC Page 23

Robert Schulze Merrill Lynch

Gregg Shallan Wells Fargo Advisors LLC

Jean Sinclair Avenue Advisors

Bradley R Sissons Edward Jones

Christine Skoczek Skoczek amp Associates

Drew Scott Slacum Morgan Stanley

Gary Soble LPL Financial

Jonathan Stahley Ameriprise Financial Services Inc

Dorothy A Stanley Morgan Stanley Page 28

Eric Stegmann Charles Schwab

Scott T Sutherland Wells Fargo Advisors LLC Page 26

Jake Sutton Edward Jones

Matthew Sweeney RBC Wealth Management Page 14

Gregory Syrios Wells Fargo Advisors LLC

Jeffrey N Tadder Wells Fargo Advisors LLC

Theodore J Tadeusiak Morgan Stanley Page 24

Samuel R Tapia Jr Wells Fargo Advisors LLC

Thomas Tate Wells Fargo Advisors LLC

Carolyn Person Taylor Weatherly Asset Management Page 25

Michael Tedesco Morgan Stanley

Douglas Thomas Wells Fargo Advisors LLC

Peter C Thoms Orion Capital Management

Jeffrey Todd Todd Financial Group

Ann Tu Morgan Stanley

Nancy J Tuininga Wells Fargo Advisors LLC

Alejandro Valle Morgan Stanley Page 28

Mark Vigil Morgan Stanley

Alexander Voils Ameriprise Financial Services Inc

Mark Francis Walton Morgan Stanley

John Weimer Edward Jones

John P Weinstein Decision Investments

Peter Ryder Wheeler Wheeler Frost amp Associates

Schuyler R White Wells Fargo Advisors LLC

Robert Willgoss Compass Pointe Group Morgan Stanley

Barbara Williams Financial Focus

Robin Lennon Williams Morgan Stanley Page 28

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2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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Joseph H Langlois III

The Core of Our Firmrsquos Philosophy Lies on Three Cornerstones

bull Diversifi cation mdash A base asset allocation strategy adjusted for your personal risk tolerance

bull Risk mitigation mdash Investment selections toward strategies that try to reduce downside risk

bull Tax effi ciency mdash Choosing the correct tax registration for specifi c investment types

880 West Washington Street bull San Diego CA 92103

Office (619) 320-4146

jlanglois3globalwealthpartnersinccom bull wwwglobalwealthpartnersinccom

Five Star Wealth Managers do not pay a fee to be included in the research of the final list The overall survey score reflects an average of all respondents and may not be representative of any one clientrsquos evaluationRegistered Representatives offering securities through First Allied Securities Inc A Registered BrokerDealer (Member FINRASIPC) Advisory Services offered through First Allied Advisory Services Inc A Registered Investment Adviser

Joseph H Langlois Ill CFPreg is a founding partner of Global Wealth Partners Inc Joey brings 17 years of experience as a wealth manager both domestically and internationally Joey has built his wealth planning practice by educating his clients on strategies to help mitigate income and estate taxes while potentially maximizing retirement benefits He helps his clients develop a plan to accumulate the assets necessary to reach retirement and he teaches them the importance of proper income distribution so they can enjoy a comfortable lifestyle when retired Philanthropy a passion of Joeyrsquos has led him to specialize in charitable planning Joey has been an integral member of the group that created the donor-advised fund at San Diego State University Joey lives with his wife Jen and their children Joseph H Langlois IV and Jakson Langlois in the Del Sur area of San Diego In his free time he enjoys visiting with family and friends football golf cooking and tasting fine wines

Global Wealth Partners Inc is an international wealth planning firm that follows an educational approach when advising clients to make sound financial decisions The firmrsquos process provides our worldwide clientele with the understanding necessary to feel confident in taking steps to secure the goals that are most important to them As an independently owned wealth planning firm we are openly selective in offering customized solutions that are best suited to our clientsrsquo objectives

Left to right Front row Joseph Langlois Jr CFPreg Kyle Farmer 2014 winner Joseph Langlois III CFPreg Dr Joseph Ellis CFPreg DPMBack row Christopher Weber Laura Szymanski MBA Maxwell Keltner CFPreg

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull7

Joseph H Langlois III

The Core of Our Firmrsquos Philosophy Lies on Three Cornerstones

bull Diversifi cation mdash A base asset allocation strategy adjusted for your personal risk tolerance

bull Risk mitigation mdash Investment selections toward strategies that try to reduce downside risk

bull Tax effi ciency mdash Choosing the correct tax registration for specifi c investment types

880 West Washington Street bull San Diego CA 92103

Office (619) 320-4146

jlanglois3globalwealthpartnersinccom bull wwwglobalwealthpartnersinccom

Five Star Wealth Managers do not pay a fee to be included in the research of the final list The overall survey score reflects an average of all respondents and may not be representative of any one clientrsquos evaluationRegistered Representatives offering securities through First Allied Securities Inc A Registered BrokerDealer (Member FINRASIPC) Advisory Services offered through First Allied Advisory Services Inc A Registered Investment Adviser

Joseph H Langlois Ill CFPreg is a founding partner of Global Wealth Partners Inc Joey brings 17 years of experience as a wealth manager both domestically and internationally Joey has built his wealth planning practice by educating his clients on strategies to help mitigate income and estate taxes while potentially maximizing retirement benefits He helps his clients develop a plan to accumulate the assets necessary to reach retirement and he teaches them the importance of proper income distribution so they can enjoy a comfortable lifestyle when retired Philanthropy a passion of Joeyrsquos has led him to specialize in charitable planning Joey has been an integral member of the group that created the donor-advised fund at San Diego State University Joey lives with his wife Jen and their children Joseph H Langlois IV and Jakson Langlois in the Del Sur area of San Diego In his free time he enjoys visiting with family and friends football golf cooking and tasting fine wines

Global Wealth Partners Inc is an international wealth planning firm that follows an educational approach when advising clients to make sound financial decisions The firmrsquos process provides our worldwide clientele with the understanding necessary to feel confident in taking steps to secure the goals that are most important to them As an independently owned wealth planning firm we are openly selective in offering customized solutions that are best suited to our clientsrsquo objectives

Left to right Front row Joseph Langlois Jr CFPreg Kyle Farmer 2014 winner Joseph Langlois III CFPreg Dr Joseph Ellis CFPreg DPMBack row Christopher Weber Laura Szymanski MBA Maxwell Keltner CFPreg

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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AWM Global AdvisorsWe Manage Our Clientsrsquo Money as if It Were Our Own

Left to right Front row Guan Wang Diana Gonzalez two-year winner Ali AlSari Roxana McGrew Dilcia LoomisBack row Gary Graessle Shelly Ohl

bull Comprehensive fi nancial planningbull Dynamic asset allocation and portfolio constructionbull Strategic risk management

Our clients are our main focus and priority With our clientsrsquo trust and future fi nancial goals in mind AWM provides fi duciary objective and transparent advice We follow disciplined and fundamentally driven asset allocation strategies We strive

to protect wealth while continuing to act on opportunities in a constantly evolving global economy At AWM we are committed to delivering timely advice matched with high-quality service as our clients are our most valuable asset

750 B Street Suite 3150 bull San Diego CA 92101Office (619) 225-7600 bull Fax (619) 225-7700

AWMawmgacom bull wwwawmgacom

Advisory Services offered through AlSari Wealth Management Global Advisors LLC a Registered Investment AdvisorSecurities offered through Charles Schwab and Co Inc member FINRA SIPC AlSari Wealth Management and Charles Schwab are not affiliated

Two-Year

Winner

Global ApproachClient FocusTailored Solutions

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Matthew C Barnhart and Donald N Van DykeResource for Your Financial Needs

Left to right Three-year winners Donald Van Dyke FSRFinancial Advisor and Matthew C Barnhart FSRFinancial Planner Prianka Chowgule Executive Assistant

bull Investment managementbull Protection strategies

Our mission is to become a lifetime resource for individuals families and business by providing them exclusive personal fi nancial advice to help them achieve their fi nancial dreams

We accomplish this by forming a relationship and building trust with our clients off ering sound fi nancial advice and providing top-notch service to a select number of clients

MetLife3131 Camino del Rio North Suite 1200 bull San Diego CA 92108

Office (619) 641-3634 bull Toll-free (877) 267-7595mbarnhartmetlifecom bull dvandyke1metlifecom

Metropolitan Life Insurance Company (MLIC) New York NY 10166 Securities products and investment advisory services offered by MetLife Securities Inc (MSI) (member FINRASIPC) and a registered investment adviser MLIC and MSI are MetLife companies Five Star Professional and MetLife are not affiliated L111335089[exp1114][CA]

Donald N Van Dyke CA Lic D21805 Matthew C Barnhard CA Lic E36701

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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FSbull11

Dale A BeedResults-Based Strategy Designed to Alleviate Clientsrsquo Concerns in Pursuing Financial Goals

Please visit Dale through LinkedIn at wwwlinkedincomindalebeed

2012 ndash 2014 winner Dale A Beed First Vice President Financial Advisor

bull Preserve personal wealthbull Personalize portfolios for your retirement yearsbull Protect and grow a family legacy

Dale interacts with generations of families striving to alleviate concerns of their fi nancial future with a fi ve-stage formula While all Dalersquos clients are in various stages of their lives he diagnoses their individual specifi c needs through a highly customized question-based approach because he believes that understanding a clientrsquos goals and comfort level for risk are the cornerstones of a successful investment strategy that will enable them to navigate the future successfully

Dale has exclusive client-facing interaction and while he is a sole practitioner he is supported by a network of worldwide resources Dale has been a veteran of the securities industry since 1985 and as of May 2008 joined the fi rm of Morgan Stanley after more than 18 years at UBS

When not managing individual portfolios Dalersquos long-term passion for the ocean is carried on today through surfi ng which is his primary sport and recreation This passion started as a small child when he grew up in a small fi shing village and carried on in college where he studied mechanical engineering with a major in ocean wave hydraulics while working with the Maritime Services Board of New South Wales in Australia

Please visit Dalersquos website or LinkedIn for more information on how Dale helps investors overcome their obstacles and achieve their goals

1225 Prospect Street bull La Jolla CA 92037Phone (858) 729-5079 bull Toll-free (800) 473-2331 Ext 5079 bull Fax (858) 551-5907

dalebeedmorganstanleycom bull wwwmorganstanleyfacomdalebeed bull wwwlinkedincomindalebeed

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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FSbull11

Mary E CollinsYour Portfolio Is Worth a Second Opinion

Areas of Focus Retirement Planning Managed Money Life Insurance

2014 winner Mary E Collins Vice President ndash InvestmentsCA Insurance License Number 0A13733

bull Striving to smooth out a rough ridebull When navigating the rough waters of the markets an experienced Financial Advisor can help

Over the last decade numerous individuals and small businesses have suff ered from the volatility of the fi nancial markets Now is the time to address your individual needs and retirement plans

Mary follows a comprehensive process to customize strategies for each client She will work with you to identify your goals and understand your own risk tolerance

Utilizing the resources of Wells Fargo Advisors we help you pursue your needs and inspirations by giving insight and guidance on the stock and bond markets diff erent money managers and specifi c investments such as life insurance and annuities

With more than 25 years of investment experience Mary takes a holistic approach to portfolio evaluation

888 Prospect Street Suite 301 bull La Jolla CA 92037Office (858) 456-7760

marycollinswfadvisorscom

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 1113-01788]

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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DB Wealth Management Group LLCA Registered Investment Advisor

Focus Integrating Investment Tax Planning Retirement Income Risk Management and Estate Planning Strategies

Left to right Three-year winners Jeanne Bradford-Odorico CERTIFIED FINANCIAL PLANNERtrade Chartered Life Underwriterreg and Michael Donohue CERTIFIED FINANCIAL PLANNERtrade Certifi ed Fund Specialistreg

bull Partnering with clients to help create protect and preserve wealth through objective fi nancial planning and strategic investment management

What is your vision of retirement Do you have confi dence knowing you are fi nancially prepared and living life to its fullest Or are you spending your time worrying about outliving your money

Our combined experience of more than 50 years has been enhancing clientsrsquo lives by combining broad and deep technical fi nancial expertise with the ability and desire to understand what matters most to every client

DB Wealth Managementrsquos clients have unique individual circumstances and they rely on us to analyze and develop

personalized strategies By providing advice and insight regarding fi nancial alternatives and educating with clear explanations of relevant concepts we can help transform fi nancial visions into reality

We believe comprehensive wealth management is not found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality

DB Wealth Management Group LLC1450 Frazee Road Suite 610 bull San Diego CA 92108

Office (619) 497-0404 bull Fax (619) 497-0804wwwretirementstrategies4youcom

Michael K Donohue CA Insurance Lic 0685025 and Jeanne Bradford-Odorico CA Insurance Lic 0661685are Registered Principals with and securities offered through LPL Financial Member FINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Epstein amp White Retirement Income Solutions LLCHelping Clients to Grow and Protect Their Wealth

Areas of Focus Retirement Income Planning for Pre-Retirees and the Recently Retired

Left to right Rubi Borja 2014 winner David M Epstein President Bradley White Vice President Charlene Freeborn

bull Retirement income and distribution strategiesbull Comprehensive wealth management and independent advicebull Relationships built on trust and integrity since 1983

We value our clients knowing that the relationship is the cornerstone of success Our passion for your fi nancial well-being and our commitment to your future starts with a thorough understanding of your current situation expectations and goals

Davidrsquos and Bradleyrsquos combined 35 years of experience will help us develop a comprehensive investment strategy and

solidify your retirement income plan mdash a plan that fi ts both your lifetime income needs and legacy goals

ldquoBy using the best fi nancial tools and strategies available our team and I take the fear out of your fi nancial future and give you confi dence in what lies aheadrdquo mdash David M Epstein President

Epstein amp White Retirement Income Solutions4660 La Jolla Village Drive Suite 500 bull San Diego CA 92122

Office (858) 535-4832 bull Fax (858) 535-4833depsteindavidmepsteincom bull epsteinandwhitecom bull yourretirementherocom

Investment Advisory Services offered on a fee basis through Global Financial Private Capital LLC an SEC Registered Investment Adviser

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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FSbull14

The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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FSbull15

Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

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Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull24

Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull25

Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull26

David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull27

5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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FS28

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull28

101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

siona

l

copy Fivesta

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FSbull29

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

alsmdash

ww

wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

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SPECIAL ADVERTISING SECTION 2014 F

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Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

Ray Garnica Morgan Stanley

Sylvia Geffen Wells Fargo Advisors LLC

Jay Gelbart Merrill Lynch

Justine Girard Wells Fargo Advisors LLC

Scott A Glasson Wells Fargo Advisors LLC

Gary Glockzin WealthGurus

John Greene RBC Wealth Management

Jorge R Guerra Morgan Stanley

Isaac Hansen Trilogy Financial Services

Jason D Hansen Wells Fargo Advisors LLC

Kyle Harrington Harrington Capital Management

David Michael Harrison Wells Fargo Advisors LLC

Hayley Higgins Wells Fargo Advisors LLC

Philip Hill Wells Fargo Advisors LLC

Craig Hillegas Hillegas Advisory Services

David R Hirons Wells Fargo Advisors LLC

William Holloway Wells Fargo Advisors LLC Page 28

Scott D Hood Merrill Lynch

Tina Giacomini Huston JM Financial Strategies

Paul Hynes HearthStone

Randall Iwai Morgan Stanley

Luis Antonio Izaguirre Morgan Stanley Page 21

Jacqueline Kaiser MetLife

Patrick Kearney Wells Fargo Advisors LLC

Christopher Kozo Wells Fargo Advisors LLC

James Kuntz Pacific Wealth Management

Scott Kyle Coastwise Capital Group

Jason Labrum Labrum Wealth Management

Joseph Holland Langlois III Global Wealth Partners Page 6 amp 7

Martin D Levine Wells Fargo Advisors LLC

David Jonathan Levy Wells Fargo Advisors LLC

Michael Lewis Lewis Advisory Group

William Richard Lilliott III Wells Fargo Advisors LLC

Brandon Linster UnionBanc Investment Services Page 28

Leland Littleton LPL Financial

Brian Lucewicz Morgan Stanley

David Lynn Morgan Stanley

Darrel Madison Wells Fargo Advisors LLC

John William Madison Wells Fargo Advisors LLC

Catherine Magantildea WWM Financial Page 26

Sean Manatt Edward Jones

Bruce John Marshall Wells Fargo Advisors LLC

Bart A Martinez Wells Fargo Advisors LLC

Keith McKenzie Delphi Private Advisors

Brian D McLean BDM Wealth Management

E Scott Miller Wells Fargo Advisors LLC

Franklin C Miller Wells Fargo Advisors LLC

J Scott Miller Morgan Stanley

Rodd R Miller Miller Wealth Management

Ryan Mitchell Triton Capital Advisors

Steve Montgomery Charles Schwab

Michael Moore American Money Management

Richard E Nerad Nerad amp Deppe Wealth Management

Miguel A Ortega Merrill Lynch

Jeffrey P Ott First Allied Securities

Donald R Overbeck Wells Fargo Advisors LLC

Debra Patterson AXA Advisors

Justin Peek Edward Jones

Jennifer R Perkinson Merrill Lynch

Paul Martin Peters Financial Plan Design Page 20

Christopher L Pitzak Berstain Global Wealth Management

Jeffrey S Platt Harrison - de Charon

David D Price Merrill Lynch

Stefan Prvanov Blankinship amp Foster

Gilbert Pumar Sterne Agee Financial Services

Daniel Michael Racicot Marine Street FinancialWells Fargo Advisors Financial Network LLC Page 22

Gerald Ramirez Morgan Stanley Page 15

David Harrison Rascoe Morgan Stanley Page 26

Arthur Regottaz Wells Fargo Advisors LLC

Christian Reuter RBC Wealth Management

Gary Rice Rice Hall James amp Associates

Donald Gerard Ritley Ameriprise Financial Services Inc

Mark E Robbins Wells Fargo Advisors LLC

Lori Robinson Morgan Stanley

Marc Roland Dean Roland Russell

Sheryl Rowling Rowling amp Associates

Andrew Russell Dean Roland Russell

Timothy Sagawa Ameriprise Financial Services Inc

Monte Sahba Wells Fargo Advisors LLC

Leo Schad RBC Wealth Management

Ronald Scherdorf Charles Schwab

Anna M Scherer Wells Fargo Advisors LLC

Stephen D Schneider Wells Fargo Advisors LLC

Vance E Schroeder Wells Fargo Advisors LLC Page 23

Robert Schulze Merrill Lynch

Gregg Shallan Wells Fargo Advisors LLC

Jean Sinclair Avenue Advisors

Bradley R Sissons Edward Jones

Christine Skoczek Skoczek amp Associates

Drew Scott Slacum Morgan Stanley

Gary Soble LPL Financial

Jonathan Stahley Ameriprise Financial Services Inc

Dorothy A Stanley Morgan Stanley Page 28

Eric Stegmann Charles Schwab

Scott T Sutherland Wells Fargo Advisors LLC Page 26

Jake Sutton Edward Jones

Matthew Sweeney RBC Wealth Management Page 14

Gregory Syrios Wells Fargo Advisors LLC

Jeffrey N Tadder Wells Fargo Advisors LLC

Theodore J Tadeusiak Morgan Stanley Page 24

Samuel R Tapia Jr Wells Fargo Advisors LLC

Thomas Tate Wells Fargo Advisors LLC

Carolyn Person Taylor Weatherly Asset Management Page 25

Michael Tedesco Morgan Stanley

Douglas Thomas Wells Fargo Advisors LLC

Peter C Thoms Orion Capital Management

Jeffrey Todd Todd Financial Group

Ann Tu Morgan Stanley

Nancy J Tuininga Wells Fargo Advisors LLC

Alejandro Valle Morgan Stanley Page 28

Mark Vigil Morgan Stanley

Alexander Voils Ameriprise Financial Services Inc

Mark Francis Walton Morgan Stanley

John Weimer Edward Jones

John P Weinstein Decision Investments

Peter Ryder Wheeler Wheeler Frost amp Associates

Schuyler R White Wells Fargo Advisors LLC

Robert Willgoss Compass Pointe Group Morgan Stanley

Barbara Williams Financial Focus

Robin Lennon Williams Morgan Stanley Page 28

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2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Joseph H Langlois III

The Core of Our Firmrsquos Philosophy Lies on Three Cornerstones

bull Diversifi cation mdash A base asset allocation strategy adjusted for your personal risk tolerance

bull Risk mitigation mdash Investment selections toward strategies that try to reduce downside risk

bull Tax effi ciency mdash Choosing the correct tax registration for specifi c investment types

880 West Washington Street bull San Diego CA 92103

Office (619) 320-4146

jlanglois3globalwealthpartnersinccom bull wwwglobalwealthpartnersinccom

Five Star Wealth Managers do not pay a fee to be included in the research of the final list The overall survey score reflects an average of all respondents and may not be representative of any one clientrsquos evaluationRegistered Representatives offering securities through First Allied Securities Inc A Registered BrokerDealer (Member FINRASIPC) Advisory Services offered through First Allied Advisory Services Inc A Registered Investment Adviser

Joseph H Langlois Ill CFPreg is a founding partner of Global Wealth Partners Inc Joey brings 17 years of experience as a wealth manager both domestically and internationally Joey has built his wealth planning practice by educating his clients on strategies to help mitigate income and estate taxes while potentially maximizing retirement benefits He helps his clients develop a plan to accumulate the assets necessary to reach retirement and he teaches them the importance of proper income distribution so they can enjoy a comfortable lifestyle when retired Philanthropy a passion of Joeyrsquos has led him to specialize in charitable planning Joey has been an integral member of the group that created the donor-advised fund at San Diego State University Joey lives with his wife Jen and their children Joseph H Langlois IV and Jakson Langlois in the Del Sur area of San Diego In his free time he enjoys visiting with family and friends football golf cooking and tasting fine wines

Global Wealth Partners Inc is an international wealth planning firm that follows an educational approach when advising clients to make sound financial decisions The firmrsquos process provides our worldwide clientele with the understanding necessary to feel confident in taking steps to secure the goals that are most important to them As an independently owned wealth planning firm we are openly selective in offering customized solutions that are best suited to our clientsrsquo objectives

Left to right Front row Joseph Langlois Jr CFPreg Kyle Farmer 2014 winner Joseph Langlois III CFPreg Dr Joseph Ellis CFPreg DPMBack row Christopher Weber Laura Szymanski MBA Maxwell Keltner CFPreg

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

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Man

agers

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Joseph H Langlois III

The Core of Our Firmrsquos Philosophy Lies on Three Cornerstones

bull Diversifi cation mdash A base asset allocation strategy adjusted for your personal risk tolerance

bull Risk mitigation mdash Investment selections toward strategies that try to reduce downside risk

bull Tax effi ciency mdash Choosing the correct tax registration for specifi c investment types

880 West Washington Street bull San Diego CA 92103

Office (619) 320-4146

jlanglois3globalwealthpartnersinccom bull wwwglobalwealthpartnersinccom

Five Star Wealth Managers do not pay a fee to be included in the research of the final list The overall survey score reflects an average of all respondents and may not be representative of any one clientrsquos evaluationRegistered Representatives offering securities through First Allied Securities Inc A Registered BrokerDealer (Member FINRASIPC) Advisory Services offered through First Allied Advisory Services Inc A Registered Investment Adviser

Joseph H Langlois Ill CFPreg is a founding partner of Global Wealth Partners Inc Joey brings 17 years of experience as a wealth manager both domestically and internationally Joey has built his wealth planning practice by educating his clients on strategies to help mitigate income and estate taxes while potentially maximizing retirement benefits He helps his clients develop a plan to accumulate the assets necessary to reach retirement and he teaches them the importance of proper income distribution so they can enjoy a comfortable lifestyle when retired Philanthropy a passion of Joeyrsquos has led him to specialize in charitable planning Joey has been an integral member of the group that created the donor-advised fund at San Diego State University Joey lives with his wife Jen and their children Joseph H Langlois IV and Jakson Langlois in the Del Sur area of San Diego In his free time he enjoys visiting with family and friends football golf cooking and tasting fine wines

Global Wealth Partners Inc is an international wealth planning firm that follows an educational approach when advising clients to make sound financial decisions The firmrsquos process provides our worldwide clientele with the understanding necessary to feel confident in taking steps to secure the goals that are most important to them As an independently owned wealth planning firm we are openly selective in offering customized solutions that are best suited to our clientsrsquo objectives

Left to right Front row Joseph Langlois Jr CFPreg Kyle Farmer 2014 winner Joseph Langlois III CFPreg Dr Joseph Ellis CFPreg DPMBack row Christopher Weber Laura Szymanski MBA Maxwell Keltner CFPreg

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2014 Fiv

e Star W

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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AWM Global AdvisorsWe Manage Our Clientsrsquo Money as if It Were Our Own

Left to right Front row Guan Wang Diana Gonzalez two-year winner Ali AlSari Roxana McGrew Dilcia LoomisBack row Gary Graessle Shelly Ohl

bull Comprehensive fi nancial planningbull Dynamic asset allocation and portfolio constructionbull Strategic risk management

Our clients are our main focus and priority With our clientsrsquo trust and future fi nancial goals in mind AWM provides fi duciary objective and transparent advice We follow disciplined and fundamentally driven asset allocation strategies We strive

to protect wealth while continuing to act on opportunities in a constantly evolving global economy At AWM we are committed to delivering timely advice matched with high-quality service as our clients are our most valuable asset

750 B Street Suite 3150 bull San Diego CA 92101Office (619) 225-7600 bull Fax (619) 225-7700

AWMawmgacom bull wwwawmgacom

Advisory Services offered through AlSari Wealth Management Global Advisors LLC a Registered Investment AdvisorSecurities offered through Charles Schwab and Co Inc member FINRA SIPC AlSari Wealth Management and Charles Schwab are not affiliated

Two-Year

Winner

Global ApproachClient FocusTailored Solutions

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Matthew C Barnhart and Donald N Van DykeResource for Your Financial Needs

Left to right Three-year winners Donald Van Dyke FSRFinancial Advisor and Matthew C Barnhart FSRFinancial Planner Prianka Chowgule Executive Assistant

bull Investment managementbull Protection strategies

Our mission is to become a lifetime resource for individuals families and business by providing them exclusive personal fi nancial advice to help them achieve their fi nancial dreams

We accomplish this by forming a relationship and building trust with our clients off ering sound fi nancial advice and providing top-notch service to a select number of clients

MetLife3131 Camino del Rio North Suite 1200 bull San Diego CA 92108

Office (619) 641-3634 bull Toll-free (877) 267-7595mbarnhartmetlifecom bull dvandyke1metlifecom

Metropolitan Life Insurance Company (MLIC) New York NY 10166 Securities products and investment advisory services offered by MetLife Securities Inc (MSI) (member FINRASIPC) and a registered investment adviser MLIC and MSI are MetLife companies Five Star Professional and MetLife are not affiliated L111335089[exp1114][CA]

Donald N Van Dyke CA Lic D21805 Matthew C Barnhard CA Lic E36701

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2014 Fiv

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ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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Dale A BeedResults-Based Strategy Designed to Alleviate Clientsrsquo Concerns in Pursuing Financial Goals

Please visit Dale through LinkedIn at wwwlinkedincomindalebeed

2012 ndash 2014 winner Dale A Beed First Vice President Financial Advisor

bull Preserve personal wealthbull Personalize portfolios for your retirement yearsbull Protect and grow a family legacy

Dale interacts with generations of families striving to alleviate concerns of their fi nancial future with a fi ve-stage formula While all Dalersquos clients are in various stages of their lives he diagnoses their individual specifi c needs through a highly customized question-based approach because he believes that understanding a clientrsquos goals and comfort level for risk are the cornerstones of a successful investment strategy that will enable them to navigate the future successfully

Dale has exclusive client-facing interaction and while he is a sole practitioner he is supported by a network of worldwide resources Dale has been a veteran of the securities industry since 1985 and as of May 2008 joined the fi rm of Morgan Stanley after more than 18 years at UBS

When not managing individual portfolios Dalersquos long-term passion for the ocean is carried on today through surfi ng which is his primary sport and recreation This passion started as a small child when he grew up in a small fi shing village and carried on in college where he studied mechanical engineering with a major in ocean wave hydraulics while working with the Maritime Services Board of New South Wales in Australia

Please visit Dalersquos website or LinkedIn for more information on how Dale helps investors overcome their obstacles and achieve their goals

1225 Prospect Street bull La Jolla CA 92037Phone (858) 729-5079 bull Toll-free (800) 473-2331 Ext 5079 bull Fax (858) 551-5907

dalebeedmorganstanleycom bull wwwmorganstanleyfacomdalebeed bull wwwlinkedincomindalebeed

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Mary E CollinsYour Portfolio Is Worth a Second Opinion

Areas of Focus Retirement Planning Managed Money Life Insurance

2014 winner Mary E Collins Vice President ndash InvestmentsCA Insurance License Number 0A13733

bull Striving to smooth out a rough ridebull When navigating the rough waters of the markets an experienced Financial Advisor can help

Over the last decade numerous individuals and small businesses have suff ered from the volatility of the fi nancial markets Now is the time to address your individual needs and retirement plans

Mary follows a comprehensive process to customize strategies for each client She will work with you to identify your goals and understand your own risk tolerance

Utilizing the resources of Wells Fargo Advisors we help you pursue your needs and inspirations by giving insight and guidance on the stock and bond markets diff erent money managers and specifi c investments such as life insurance and annuities

With more than 25 years of investment experience Mary takes a holistic approach to portfolio evaluation

888 Prospect Street Suite 301 bull La Jolla CA 92037Office (858) 456-7760

marycollinswfadvisorscom

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 1113-01788]

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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DB Wealth Management Group LLCA Registered Investment Advisor

Focus Integrating Investment Tax Planning Retirement Income Risk Management and Estate Planning Strategies

Left to right Three-year winners Jeanne Bradford-Odorico CERTIFIED FINANCIAL PLANNERtrade Chartered Life Underwriterreg and Michael Donohue CERTIFIED FINANCIAL PLANNERtrade Certifi ed Fund Specialistreg

bull Partnering with clients to help create protect and preserve wealth through objective fi nancial planning and strategic investment management

What is your vision of retirement Do you have confi dence knowing you are fi nancially prepared and living life to its fullest Or are you spending your time worrying about outliving your money

Our combined experience of more than 50 years has been enhancing clientsrsquo lives by combining broad and deep technical fi nancial expertise with the ability and desire to understand what matters most to every client

DB Wealth Managementrsquos clients have unique individual circumstances and they rely on us to analyze and develop

personalized strategies By providing advice and insight regarding fi nancial alternatives and educating with clear explanations of relevant concepts we can help transform fi nancial visions into reality

We believe comprehensive wealth management is not found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality

DB Wealth Management Group LLC1450 Frazee Road Suite 610 bull San Diego CA 92108

Office (619) 497-0404 bull Fax (619) 497-0804wwwretirementstrategies4youcom

Michael K Donohue CA Insurance Lic 0685025 and Jeanne Bradford-Odorico CA Insurance Lic 0661685are Registered Principals with and securities offered through LPL Financial Member FINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Epstein amp White Retirement Income Solutions LLCHelping Clients to Grow and Protect Their Wealth

Areas of Focus Retirement Income Planning for Pre-Retirees and the Recently Retired

Left to right Rubi Borja 2014 winner David M Epstein President Bradley White Vice President Charlene Freeborn

bull Retirement income and distribution strategiesbull Comprehensive wealth management and independent advicebull Relationships built on trust and integrity since 1983

We value our clients knowing that the relationship is the cornerstone of success Our passion for your fi nancial well-being and our commitment to your future starts with a thorough understanding of your current situation expectations and goals

Davidrsquos and Bradleyrsquos combined 35 years of experience will help us develop a comprehensive investment strategy and

solidify your retirement income plan mdash a plan that fi ts both your lifetime income needs and legacy goals

ldquoBy using the best fi nancial tools and strategies available our team and I take the fear out of your fi nancial future and give you confi dence in what lies aheadrdquo mdash David M Epstein President

Epstein amp White Retirement Income Solutions4660 La Jolla Village Drive Suite 500 bull San Diego CA 92122

Office (858) 535-4832 bull Fax (858) 535-4833depsteindavidmepsteincom bull epsteinandwhitecom bull yourretirementherocom

Investment Advisory Services offered on a fee basis through Global Financial Private Capital LLC an SEC Registered Investment Adviser

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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FS21

2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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FS22

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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ealth M

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

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FSbull23

Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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FSbull24

Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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agers

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Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

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ealth M

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

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Man

agers

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5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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2014 Fiv

e Star W

ealth M

anag

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

siona

l

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SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

alsmdash

ww

wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

FSbull29

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2014 Fiv

e Star W

ealth M

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SPECIAL ADVERTISING SECTION

2014 Fiv

e Star A

ccou

ntin

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d E

state Plan

nin

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rofessio

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

copy Fivesta

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2014 Fiv

e Star W

ealth M

anag

ersmdash

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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FSbull6

Joseph H Langlois III

The Core of Our Firmrsquos Philosophy Lies on Three Cornerstones

bull Diversifi cation mdash A base asset allocation strategy adjusted for your personal risk tolerance

bull Risk mitigation mdash Investment selections toward strategies that try to reduce downside risk

bull Tax effi ciency mdash Choosing the correct tax registration for specifi c investment types

880 West Washington Street bull San Diego CA 92103

Office (619) 320-4146

jlanglois3globalwealthpartnersinccom bull wwwglobalwealthpartnersinccom

Five Star Wealth Managers do not pay a fee to be included in the research of the final list The overall survey score reflects an average of all respondents and may not be representative of any one clientrsquos evaluationRegistered Representatives offering securities through First Allied Securities Inc A Registered BrokerDealer (Member FINRASIPC) Advisory Services offered through First Allied Advisory Services Inc A Registered Investment Adviser

Joseph H Langlois Ill CFPreg is a founding partner of Global Wealth Partners Inc Joey brings 17 years of experience as a wealth manager both domestically and internationally Joey has built his wealth planning practice by educating his clients on strategies to help mitigate income and estate taxes while potentially maximizing retirement benefits He helps his clients develop a plan to accumulate the assets necessary to reach retirement and he teaches them the importance of proper income distribution so they can enjoy a comfortable lifestyle when retired Philanthropy a passion of Joeyrsquos has led him to specialize in charitable planning Joey has been an integral member of the group that created the donor-advised fund at San Diego State University Joey lives with his wife Jen and their children Joseph H Langlois IV and Jakson Langlois in the Del Sur area of San Diego In his free time he enjoys visiting with family and friends football golf cooking and tasting fine wines

Global Wealth Partners Inc is an international wealth planning firm that follows an educational approach when advising clients to make sound financial decisions The firmrsquos process provides our worldwide clientele with the understanding necessary to feel confident in taking steps to secure the goals that are most important to them As an independently owned wealth planning firm we are openly selective in offering customized solutions that are best suited to our clientsrsquo objectives

Left to right Front row Joseph Langlois Jr CFPreg Kyle Farmer 2014 winner Joseph Langlois III CFPreg Dr Joseph Ellis CFPreg DPMBack row Christopher Weber Laura Szymanski MBA Maxwell Keltner CFPreg

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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FSbull7

Joseph H Langlois III

The Core of Our Firmrsquos Philosophy Lies on Three Cornerstones

bull Diversifi cation mdash A base asset allocation strategy adjusted for your personal risk tolerance

bull Risk mitigation mdash Investment selections toward strategies that try to reduce downside risk

bull Tax effi ciency mdash Choosing the correct tax registration for specifi c investment types

880 West Washington Street bull San Diego CA 92103

Office (619) 320-4146

jlanglois3globalwealthpartnersinccom bull wwwglobalwealthpartnersinccom

Five Star Wealth Managers do not pay a fee to be included in the research of the final list The overall survey score reflects an average of all respondents and may not be representative of any one clientrsquos evaluationRegistered Representatives offering securities through First Allied Securities Inc A Registered BrokerDealer (Member FINRASIPC) Advisory Services offered through First Allied Advisory Services Inc A Registered Investment Adviser

Joseph H Langlois Ill CFPreg is a founding partner of Global Wealth Partners Inc Joey brings 17 years of experience as a wealth manager both domestically and internationally Joey has built his wealth planning practice by educating his clients on strategies to help mitigate income and estate taxes while potentially maximizing retirement benefits He helps his clients develop a plan to accumulate the assets necessary to reach retirement and he teaches them the importance of proper income distribution so they can enjoy a comfortable lifestyle when retired Philanthropy a passion of Joeyrsquos has led him to specialize in charitable planning Joey has been an integral member of the group that created the donor-advised fund at San Diego State University Joey lives with his wife Jen and their children Joseph H Langlois IV and Jakson Langlois in the Del Sur area of San Diego In his free time he enjoys visiting with family and friends football golf cooking and tasting fine wines

Global Wealth Partners Inc is an international wealth planning firm that follows an educational approach when advising clients to make sound financial decisions The firmrsquos process provides our worldwide clientele with the understanding necessary to feel confident in taking steps to secure the goals that are most important to them As an independently owned wealth planning firm we are openly selective in offering customized solutions that are best suited to our clientsrsquo objectives

Left to right Front row Joseph Langlois Jr CFPreg Kyle Farmer 2014 winner Joseph Langlois III CFPreg Dr Joseph Ellis CFPreg DPMBack row Christopher Weber Laura Szymanski MBA Maxwell Keltner CFPreg

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2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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AWM Global AdvisorsWe Manage Our Clientsrsquo Money as if It Were Our Own

Left to right Front row Guan Wang Diana Gonzalez two-year winner Ali AlSari Roxana McGrew Dilcia LoomisBack row Gary Graessle Shelly Ohl

bull Comprehensive fi nancial planningbull Dynamic asset allocation and portfolio constructionbull Strategic risk management

Our clients are our main focus and priority With our clientsrsquo trust and future fi nancial goals in mind AWM provides fi duciary objective and transparent advice We follow disciplined and fundamentally driven asset allocation strategies We strive

to protect wealth while continuing to act on opportunities in a constantly evolving global economy At AWM we are committed to delivering timely advice matched with high-quality service as our clients are our most valuable asset

750 B Street Suite 3150 bull San Diego CA 92101Office (619) 225-7600 bull Fax (619) 225-7700

AWMawmgacom bull wwwawmgacom

Advisory Services offered through AlSari Wealth Management Global Advisors LLC a Registered Investment AdvisorSecurities offered through Charles Schwab and Co Inc member FINRA SIPC AlSari Wealth Management and Charles Schwab are not affiliated

Two-Year

Winner

Global ApproachClient FocusTailored Solutions

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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FSbull9

Matthew C Barnhart and Donald N Van DykeResource for Your Financial Needs

Left to right Three-year winners Donald Van Dyke FSRFinancial Advisor and Matthew C Barnhart FSRFinancial Planner Prianka Chowgule Executive Assistant

bull Investment managementbull Protection strategies

Our mission is to become a lifetime resource for individuals families and business by providing them exclusive personal fi nancial advice to help them achieve their fi nancial dreams

We accomplish this by forming a relationship and building trust with our clients off ering sound fi nancial advice and providing top-notch service to a select number of clients

MetLife3131 Camino del Rio North Suite 1200 bull San Diego CA 92108

Office (619) 641-3634 bull Toll-free (877) 267-7595mbarnhartmetlifecom bull dvandyke1metlifecom

Metropolitan Life Insurance Company (MLIC) New York NY 10166 Securities products and investment advisory services offered by MetLife Securities Inc (MSI) (member FINRASIPC) and a registered investment adviser MLIC and MSI are MetLife companies Five Star Professional and MetLife are not affiliated L111335089[exp1114][CA]

Donald N Van Dyke CA Lic D21805 Matthew C Barnhard CA Lic E36701

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FS11

2014 Fiv

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ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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FSbull11

Dale A BeedResults-Based Strategy Designed to Alleviate Clientsrsquo Concerns in Pursuing Financial Goals

Please visit Dale through LinkedIn at wwwlinkedincomindalebeed

2012 ndash 2014 winner Dale A Beed First Vice President Financial Advisor

bull Preserve personal wealthbull Personalize portfolios for your retirement yearsbull Protect and grow a family legacy

Dale interacts with generations of families striving to alleviate concerns of their fi nancial future with a fi ve-stage formula While all Dalersquos clients are in various stages of their lives he diagnoses their individual specifi c needs through a highly customized question-based approach because he believes that understanding a clientrsquos goals and comfort level for risk are the cornerstones of a successful investment strategy that will enable them to navigate the future successfully

Dale has exclusive client-facing interaction and while he is a sole practitioner he is supported by a network of worldwide resources Dale has been a veteran of the securities industry since 1985 and as of May 2008 joined the fi rm of Morgan Stanley after more than 18 years at UBS

When not managing individual portfolios Dalersquos long-term passion for the ocean is carried on today through surfi ng which is his primary sport and recreation This passion started as a small child when he grew up in a small fi shing village and carried on in college where he studied mechanical engineering with a major in ocean wave hydraulics while working with the Maritime Services Board of New South Wales in Australia

Please visit Dalersquos website or LinkedIn for more information on how Dale helps investors overcome their obstacles and achieve their goals

1225 Prospect Street bull La Jolla CA 92037Phone (858) 729-5079 bull Toll-free (800) 473-2331 Ext 5079 bull Fax (858) 551-5907

dalebeedmorganstanleycom bull wwwmorganstanleyfacomdalebeed bull wwwlinkedincomindalebeed

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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FSbull11

Mary E CollinsYour Portfolio Is Worth a Second Opinion

Areas of Focus Retirement Planning Managed Money Life Insurance

2014 winner Mary E Collins Vice President ndash InvestmentsCA Insurance License Number 0A13733

bull Striving to smooth out a rough ridebull When navigating the rough waters of the markets an experienced Financial Advisor can help

Over the last decade numerous individuals and small businesses have suff ered from the volatility of the fi nancial markets Now is the time to address your individual needs and retirement plans

Mary follows a comprehensive process to customize strategies for each client She will work with you to identify your goals and understand your own risk tolerance

Utilizing the resources of Wells Fargo Advisors we help you pursue your needs and inspirations by giving insight and guidance on the stock and bond markets diff erent money managers and specifi c investments such as life insurance and annuities

With more than 25 years of investment experience Mary takes a holistic approach to portfolio evaluation

888 Prospect Street Suite 301 bull La Jolla CA 92037Office (858) 456-7760

marycollinswfadvisorscom

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 1113-01788]

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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DB Wealth Management Group LLCA Registered Investment Advisor

Focus Integrating Investment Tax Planning Retirement Income Risk Management and Estate Planning Strategies

Left to right Three-year winners Jeanne Bradford-Odorico CERTIFIED FINANCIAL PLANNERtrade Chartered Life Underwriterreg and Michael Donohue CERTIFIED FINANCIAL PLANNERtrade Certifi ed Fund Specialistreg

bull Partnering with clients to help create protect and preserve wealth through objective fi nancial planning and strategic investment management

What is your vision of retirement Do you have confi dence knowing you are fi nancially prepared and living life to its fullest Or are you spending your time worrying about outliving your money

Our combined experience of more than 50 years has been enhancing clientsrsquo lives by combining broad and deep technical fi nancial expertise with the ability and desire to understand what matters most to every client

DB Wealth Managementrsquos clients have unique individual circumstances and they rely on us to analyze and develop

personalized strategies By providing advice and insight regarding fi nancial alternatives and educating with clear explanations of relevant concepts we can help transform fi nancial visions into reality

We believe comprehensive wealth management is not found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality

DB Wealth Management Group LLC1450 Frazee Road Suite 610 bull San Diego CA 92108

Office (619) 497-0404 bull Fax (619) 497-0804wwwretirementstrategies4youcom

Michael K Donohue CA Insurance Lic 0685025 and Jeanne Bradford-Odorico CA Insurance Lic 0661685are Registered Principals with and securities offered through LPL Financial Member FINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Epstein amp White Retirement Income Solutions LLCHelping Clients to Grow and Protect Their Wealth

Areas of Focus Retirement Income Planning for Pre-Retirees and the Recently Retired

Left to right Rubi Borja 2014 winner David M Epstein President Bradley White Vice President Charlene Freeborn

bull Retirement income and distribution strategiesbull Comprehensive wealth management and independent advicebull Relationships built on trust and integrity since 1983

We value our clients knowing that the relationship is the cornerstone of success Our passion for your fi nancial well-being and our commitment to your future starts with a thorough understanding of your current situation expectations and goals

Davidrsquos and Bradleyrsquos combined 35 years of experience will help us develop a comprehensive investment strategy and

solidify your retirement income plan mdash a plan that fi ts both your lifetime income needs and legacy goals

ldquoBy using the best fi nancial tools and strategies available our team and I take the fear out of your fi nancial future and give you confi dence in what lies aheadrdquo mdash David M Epstein President

Epstein amp White Retirement Income Solutions4660 La Jolla Village Drive Suite 500 bull San Diego CA 92122

Office (858) 535-4832 bull Fax (858) 535-4833depsteindavidmepsteincom bull epsteinandwhitecom bull yourretirementherocom

Investment Advisory Services offered on a fee basis through Global Financial Private Capital LLC an SEC Registered Investment Adviser

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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FSbull14

The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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FSbull15

Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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FS16

2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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2014 Fiv

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ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull23

Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull24

Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull25

Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull26

David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull27

5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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FS28

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull28

101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

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SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

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Pro

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wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

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2014 Fiv

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SPECIAL ADVERTISING SECTION

2014 Fiv

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

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Man

agers

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FSbull7

Joseph H Langlois III

The Core of Our Firmrsquos Philosophy Lies on Three Cornerstones

bull Diversifi cation mdash A base asset allocation strategy adjusted for your personal risk tolerance

bull Risk mitigation mdash Investment selections toward strategies that try to reduce downside risk

bull Tax effi ciency mdash Choosing the correct tax registration for specifi c investment types

880 West Washington Street bull San Diego CA 92103

Office (619) 320-4146

jlanglois3globalwealthpartnersinccom bull wwwglobalwealthpartnersinccom

Five Star Wealth Managers do not pay a fee to be included in the research of the final list The overall survey score reflects an average of all respondents and may not be representative of any one clientrsquos evaluationRegistered Representatives offering securities through First Allied Securities Inc A Registered BrokerDealer (Member FINRASIPC) Advisory Services offered through First Allied Advisory Services Inc A Registered Investment Adviser

Joseph H Langlois Ill CFPreg is a founding partner of Global Wealth Partners Inc Joey brings 17 years of experience as a wealth manager both domestically and internationally Joey has built his wealth planning practice by educating his clients on strategies to help mitigate income and estate taxes while potentially maximizing retirement benefits He helps his clients develop a plan to accumulate the assets necessary to reach retirement and he teaches them the importance of proper income distribution so they can enjoy a comfortable lifestyle when retired Philanthropy a passion of Joeyrsquos has led him to specialize in charitable planning Joey has been an integral member of the group that created the donor-advised fund at San Diego State University Joey lives with his wife Jen and their children Joseph H Langlois IV and Jakson Langlois in the Del Sur area of San Diego In his free time he enjoys visiting with family and friends football golf cooking and tasting fine wines

Global Wealth Partners Inc is an international wealth planning firm that follows an educational approach when advising clients to make sound financial decisions The firmrsquos process provides our worldwide clientele with the understanding necessary to feel confident in taking steps to secure the goals that are most important to them As an independently owned wealth planning firm we are openly selective in offering customized solutions that are best suited to our clientsrsquo objectives

Left to right Front row Joseph Langlois Jr CFPreg Kyle Farmer 2014 winner Joseph Langlois III CFPreg Dr Joseph Ellis CFPreg DPMBack row Christopher Weber Laura Szymanski MBA Maxwell Keltner CFPreg

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FS8

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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ealth M

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FSbull8

AWM Global AdvisorsWe Manage Our Clientsrsquo Money as if It Were Our Own

Left to right Front row Guan Wang Diana Gonzalez two-year winner Ali AlSari Roxana McGrew Dilcia LoomisBack row Gary Graessle Shelly Ohl

bull Comprehensive fi nancial planningbull Dynamic asset allocation and portfolio constructionbull Strategic risk management

Our clients are our main focus and priority With our clientsrsquo trust and future fi nancial goals in mind AWM provides fi duciary objective and transparent advice We follow disciplined and fundamentally driven asset allocation strategies We strive

to protect wealth while continuing to act on opportunities in a constantly evolving global economy At AWM we are committed to delivering timely advice matched with high-quality service as our clients are our most valuable asset

750 B Street Suite 3150 bull San Diego CA 92101Office (619) 225-7600 bull Fax (619) 225-7700

AWMawmgacom bull wwwawmgacom

Advisory Services offered through AlSari Wealth Management Global Advisors LLC a Registered Investment AdvisorSecurities offered through Charles Schwab and Co Inc member FINRA SIPC AlSari Wealth Management and Charles Schwab are not affiliated

Two-Year

Winner

Global ApproachClient FocusTailored Solutions

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

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Man

agers

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FSbull9

Matthew C Barnhart and Donald N Van DykeResource for Your Financial Needs

Left to right Three-year winners Donald Van Dyke FSRFinancial Advisor and Matthew C Barnhart FSRFinancial Planner Prianka Chowgule Executive Assistant

bull Investment managementbull Protection strategies

Our mission is to become a lifetime resource for individuals families and business by providing them exclusive personal fi nancial advice to help them achieve their fi nancial dreams

We accomplish this by forming a relationship and building trust with our clients off ering sound fi nancial advice and providing top-notch service to a select number of clients

MetLife3131 Camino del Rio North Suite 1200 bull San Diego CA 92108

Office (619) 641-3634 bull Toll-free (877) 267-7595mbarnhartmetlifecom bull dvandyke1metlifecom

Metropolitan Life Insurance Company (MLIC) New York NY 10166 Securities products and investment advisory services offered by MetLife Securities Inc (MSI) (member FINRASIPC) and a registered investment adviser MLIC and MSI are MetLife companies Five Star Professional and MetLife are not affiliated L111335089[exp1114][CA]

Donald N Van Dyke CA Lic D21805 Matthew C Barnhard CA Lic E36701

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FS11

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Dale A BeedResults-Based Strategy Designed to Alleviate Clientsrsquo Concerns in Pursuing Financial Goals

Please visit Dale through LinkedIn at wwwlinkedincomindalebeed

2012 ndash 2014 winner Dale A Beed First Vice President Financial Advisor

bull Preserve personal wealthbull Personalize portfolios for your retirement yearsbull Protect and grow a family legacy

Dale interacts with generations of families striving to alleviate concerns of their fi nancial future with a fi ve-stage formula While all Dalersquos clients are in various stages of their lives he diagnoses their individual specifi c needs through a highly customized question-based approach because he believes that understanding a clientrsquos goals and comfort level for risk are the cornerstones of a successful investment strategy that will enable them to navigate the future successfully

Dale has exclusive client-facing interaction and while he is a sole practitioner he is supported by a network of worldwide resources Dale has been a veteran of the securities industry since 1985 and as of May 2008 joined the fi rm of Morgan Stanley after more than 18 years at UBS

When not managing individual portfolios Dalersquos long-term passion for the ocean is carried on today through surfi ng which is his primary sport and recreation This passion started as a small child when he grew up in a small fi shing village and carried on in college where he studied mechanical engineering with a major in ocean wave hydraulics while working with the Maritime Services Board of New South Wales in Australia

Please visit Dalersquos website or LinkedIn for more information on how Dale helps investors overcome their obstacles and achieve their goals

1225 Prospect Street bull La Jolla CA 92037Phone (858) 729-5079 bull Toll-free (800) 473-2331 Ext 5079 bull Fax (858) 551-5907

dalebeedmorganstanleycom bull wwwmorganstanleyfacomdalebeed bull wwwlinkedincomindalebeed

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Mary E CollinsYour Portfolio Is Worth a Second Opinion

Areas of Focus Retirement Planning Managed Money Life Insurance

2014 winner Mary E Collins Vice President ndash InvestmentsCA Insurance License Number 0A13733

bull Striving to smooth out a rough ridebull When navigating the rough waters of the markets an experienced Financial Advisor can help

Over the last decade numerous individuals and small businesses have suff ered from the volatility of the fi nancial markets Now is the time to address your individual needs and retirement plans

Mary follows a comprehensive process to customize strategies for each client She will work with you to identify your goals and understand your own risk tolerance

Utilizing the resources of Wells Fargo Advisors we help you pursue your needs and inspirations by giving insight and guidance on the stock and bond markets diff erent money managers and specifi c investments such as life insurance and annuities

With more than 25 years of investment experience Mary takes a holistic approach to portfolio evaluation

888 Prospect Street Suite 301 bull La Jolla CA 92037Office (858) 456-7760

marycollinswfadvisorscom

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 1113-01788]

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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DB Wealth Management Group LLCA Registered Investment Advisor

Focus Integrating Investment Tax Planning Retirement Income Risk Management and Estate Planning Strategies

Left to right Three-year winners Jeanne Bradford-Odorico CERTIFIED FINANCIAL PLANNERtrade Chartered Life Underwriterreg and Michael Donohue CERTIFIED FINANCIAL PLANNERtrade Certifi ed Fund Specialistreg

bull Partnering with clients to help create protect and preserve wealth through objective fi nancial planning and strategic investment management

What is your vision of retirement Do you have confi dence knowing you are fi nancially prepared and living life to its fullest Or are you spending your time worrying about outliving your money

Our combined experience of more than 50 years has been enhancing clientsrsquo lives by combining broad and deep technical fi nancial expertise with the ability and desire to understand what matters most to every client

DB Wealth Managementrsquos clients have unique individual circumstances and they rely on us to analyze and develop

personalized strategies By providing advice and insight regarding fi nancial alternatives and educating with clear explanations of relevant concepts we can help transform fi nancial visions into reality

We believe comprehensive wealth management is not found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality

DB Wealth Management Group LLC1450 Frazee Road Suite 610 bull San Diego CA 92108

Office (619) 497-0404 bull Fax (619) 497-0804wwwretirementstrategies4youcom

Michael K Donohue CA Insurance Lic 0685025 and Jeanne Bradford-Odorico CA Insurance Lic 0661685are Registered Principals with and securities offered through LPL Financial Member FINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Epstein amp White Retirement Income Solutions LLCHelping Clients to Grow and Protect Their Wealth

Areas of Focus Retirement Income Planning for Pre-Retirees and the Recently Retired

Left to right Rubi Borja 2014 winner David M Epstein President Bradley White Vice President Charlene Freeborn

bull Retirement income and distribution strategiesbull Comprehensive wealth management and independent advicebull Relationships built on trust and integrity since 1983

We value our clients knowing that the relationship is the cornerstone of success Our passion for your fi nancial well-being and our commitment to your future starts with a thorough understanding of your current situation expectations and goals

Davidrsquos and Bradleyrsquos combined 35 years of experience will help us develop a comprehensive investment strategy and

solidify your retirement income plan mdash a plan that fi ts both your lifetime income needs and legacy goals

ldquoBy using the best fi nancial tools and strategies available our team and I take the fear out of your fi nancial future and give you confi dence in what lies aheadrdquo mdash David M Epstein President

Epstein amp White Retirement Income Solutions4660 La Jolla Village Drive Suite 500 bull San Diego CA 92122

Office (858) 535-4832 bull Fax (858) 535-4833depsteindavidmepsteincom bull epsteinandwhitecom bull yourretirementherocom

Investment Advisory Services offered on a fee basis through Global Financial Private Capital LLC an SEC Registered Investment Adviser

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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FS22

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

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FSbull23

Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

anag

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ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

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Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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agers

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Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

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ealth M

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

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FSbull27

5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

siona

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SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

alsmdash

ww

wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

FSbull29

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FSbull31FS31

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star A

ccou

ntin

g an

d E

state Plan

nin

g P

rofessio

nals

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

copy Fivesta

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FS8

2014 Fiv

e Star W

ealth M

anag

ersmdash

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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FSbull8

AWM Global AdvisorsWe Manage Our Clientsrsquo Money as if It Were Our Own

Left to right Front row Guan Wang Diana Gonzalez two-year winner Ali AlSari Roxana McGrew Dilcia LoomisBack row Gary Graessle Shelly Ohl

bull Comprehensive fi nancial planningbull Dynamic asset allocation and portfolio constructionbull Strategic risk management

Our clients are our main focus and priority With our clientsrsquo trust and future fi nancial goals in mind AWM provides fi duciary objective and transparent advice We follow disciplined and fundamentally driven asset allocation strategies We strive

to protect wealth while continuing to act on opportunities in a constantly evolving global economy At AWM we are committed to delivering timely advice matched with high-quality service as our clients are our most valuable asset

750 B Street Suite 3150 bull San Diego CA 92101Office (619) 225-7600 bull Fax (619) 225-7700

AWMawmgacom bull wwwawmgacom

Advisory Services offered through AlSari Wealth Management Global Advisors LLC a Registered Investment AdvisorSecurities offered through Charles Schwab and Co Inc member FINRA SIPC AlSari Wealth Management and Charles Schwab are not affiliated

Two-Year

Winner

Global ApproachClient FocusTailored Solutions

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

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FSbull9

Matthew C Barnhart and Donald N Van DykeResource for Your Financial Needs

Left to right Three-year winners Donald Van Dyke FSRFinancial Advisor and Matthew C Barnhart FSRFinancial Planner Prianka Chowgule Executive Assistant

bull Investment managementbull Protection strategies

Our mission is to become a lifetime resource for individuals families and business by providing them exclusive personal fi nancial advice to help them achieve their fi nancial dreams

We accomplish this by forming a relationship and building trust with our clients off ering sound fi nancial advice and providing top-notch service to a select number of clients

MetLife3131 Camino del Rio North Suite 1200 bull San Diego CA 92108

Office (619) 641-3634 bull Toll-free (877) 267-7595mbarnhartmetlifecom bull dvandyke1metlifecom

Metropolitan Life Insurance Company (MLIC) New York NY 10166 Securities products and investment advisory services offered by MetLife Securities Inc (MSI) (member FINRASIPC) and a registered investment adviser MLIC and MSI are MetLife companies Five Star Professional and MetLife are not affiliated L111335089[exp1114][CA]

Donald N Van Dyke CA Lic D21805 Matthew C Barnhard CA Lic E36701

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FS11

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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ealth M

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FSbull11

Dale A BeedResults-Based Strategy Designed to Alleviate Clientsrsquo Concerns in Pursuing Financial Goals

Please visit Dale through LinkedIn at wwwlinkedincomindalebeed

2012 ndash 2014 winner Dale A Beed First Vice President Financial Advisor

bull Preserve personal wealthbull Personalize portfolios for your retirement yearsbull Protect and grow a family legacy

Dale interacts with generations of families striving to alleviate concerns of their fi nancial future with a fi ve-stage formula While all Dalersquos clients are in various stages of their lives he diagnoses their individual specifi c needs through a highly customized question-based approach because he believes that understanding a clientrsquos goals and comfort level for risk are the cornerstones of a successful investment strategy that will enable them to navigate the future successfully

Dale has exclusive client-facing interaction and while he is a sole practitioner he is supported by a network of worldwide resources Dale has been a veteran of the securities industry since 1985 and as of May 2008 joined the fi rm of Morgan Stanley after more than 18 years at UBS

When not managing individual portfolios Dalersquos long-term passion for the ocean is carried on today through surfi ng which is his primary sport and recreation This passion started as a small child when he grew up in a small fi shing village and carried on in college where he studied mechanical engineering with a major in ocean wave hydraulics while working with the Maritime Services Board of New South Wales in Australia

Please visit Dalersquos website or LinkedIn for more information on how Dale helps investors overcome their obstacles and achieve their goals

1225 Prospect Street bull La Jolla CA 92037Phone (858) 729-5079 bull Toll-free (800) 473-2331 Ext 5079 bull Fax (858) 551-5907

dalebeedmorganstanleycom bull wwwmorganstanleyfacomdalebeed bull wwwlinkedincomindalebeed

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

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FSbull11

Mary E CollinsYour Portfolio Is Worth a Second Opinion

Areas of Focus Retirement Planning Managed Money Life Insurance

2014 winner Mary E Collins Vice President ndash InvestmentsCA Insurance License Number 0A13733

bull Striving to smooth out a rough ridebull When navigating the rough waters of the markets an experienced Financial Advisor can help

Over the last decade numerous individuals and small businesses have suff ered from the volatility of the fi nancial markets Now is the time to address your individual needs and retirement plans

Mary follows a comprehensive process to customize strategies for each client She will work with you to identify your goals and understand your own risk tolerance

Utilizing the resources of Wells Fargo Advisors we help you pursue your needs and inspirations by giving insight and guidance on the stock and bond markets diff erent money managers and specifi c investments such as life insurance and annuities

With more than 25 years of investment experience Mary takes a holistic approach to portfolio evaluation

888 Prospect Street Suite 301 bull La Jolla CA 92037Office (858) 456-7760

marycollinswfadvisorscom

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 1113-01788]

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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DB Wealth Management Group LLCA Registered Investment Advisor

Focus Integrating Investment Tax Planning Retirement Income Risk Management and Estate Planning Strategies

Left to right Three-year winners Jeanne Bradford-Odorico CERTIFIED FINANCIAL PLANNERtrade Chartered Life Underwriterreg and Michael Donohue CERTIFIED FINANCIAL PLANNERtrade Certifi ed Fund Specialistreg

bull Partnering with clients to help create protect and preserve wealth through objective fi nancial planning and strategic investment management

What is your vision of retirement Do you have confi dence knowing you are fi nancially prepared and living life to its fullest Or are you spending your time worrying about outliving your money

Our combined experience of more than 50 years has been enhancing clientsrsquo lives by combining broad and deep technical fi nancial expertise with the ability and desire to understand what matters most to every client

DB Wealth Managementrsquos clients have unique individual circumstances and they rely on us to analyze and develop

personalized strategies By providing advice and insight regarding fi nancial alternatives and educating with clear explanations of relevant concepts we can help transform fi nancial visions into reality

We believe comprehensive wealth management is not found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality

DB Wealth Management Group LLC1450 Frazee Road Suite 610 bull San Diego CA 92108

Office (619) 497-0404 bull Fax (619) 497-0804wwwretirementstrategies4youcom

Michael K Donohue CA Insurance Lic 0685025 and Jeanne Bradford-Odorico CA Insurance Lic 0661685are Registered Principals with and securities offered through LPL Financial Member FINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Epstein amp White Retirement Income Solutions LLCHelping Clients to Grow and Protect Their Wealth

Areas of Focus Retirement Income Planning for Pre-Retirees and the Recently Retired

Left to right Rubi Borja 2014 winner David M Epstein President Bradley White Vice President Charlene Freeborn

bull Retirement income and distribution strategiesbull Comprehensive wealth management and independent advicebull Relationships built on trust and integrity since 1983

We value our clients knowing that the relationship is the cornerstone of success Our passion for your fi nancial well-being and our commitment to your future starts with a thorough understanding of your current situation expectations and goals

Davidrsquos and Bradleyrsquos combined 35 years of experience will help us develop a comprehensive investment strategy and

solidify your retirement income plan mdash a plan that fi ts both your lifetime income needs and legacy goals

ldquoBy using the best fi nancial tools and strategies available our team and I take the fear out of your fi nancial future and give you confi dence in what lies aheadrdquo mdash David M Epstein President

Epstein amp White Retirement Income Solutions4660 La Jolla Village Drive Suite 500 bull San Diego CA 92122

Office (858) 535-4832 bull Fax (858) 535-4833depsteindavidmepsteincom bull epsteinandwhitecom bull yourretirementherocom

Investment Advisory Services offered on a fee basis through Global Financial Private Capital LLC an SEC Registered Investment Adviser

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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FS21

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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FS22

2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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agers

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FSbull23

Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

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ealth M

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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FSbull26

David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

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5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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FS28

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

FSbull28

101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

siona

l

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FSbull29

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

alsmdash

ww

wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

FSbull29

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FSbull31FS31

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star A

ccou

ntin

g an

d E

state Plan

nin

g P

rofessio

nals

mdash w

wwfivestarprofessionalcom

FSbull31

Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

copy Fivesta

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull9

Matthew C Barnhart and Donald N Van DykeResource for Your Financial Needs

Left to right Three-year winners Donald Van Dyke FSRFinancial Advisor and Matthew C Barnhart FSRFinancial Planner Prianka Chowgule Executive Assistant

bull Investment managementbull Protection strategies

Our mission is to become a lifetime resource for individuals families and business by providing them exclusive personal fi nancial advice to help them achieve their fi nancial dreams

We accomplish this by forming a relationship and building trust with our clients off ering sound fi nancial advice and providing top-notch service to a select number of clients

MetLife3131 Camino del Rio North Suite 1200 bull San Diego CA 92108

Office (619) 641-3634 bull Toll-free (877) 267-7595mbarnhartmetlifecom bull dvandyke1metlifecom

Metropolitan Life Insurance Company (MLIC) New York NY 10166 Securities products and investment advisory services offered by MetLife Securities Inc (MSI) (member FINRASIPC) and a registered investment adviser MLIC and MSI are MetLife companies Five Star Professional and MetLife are not affiliated L111335089[exp1114][CA]

Donald N Van Dyke CA Lic D21805 Matthew C Barnhard CA Lic E36701

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FS11

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

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wfivestarprofessionalcom

FSbull11

Dale A BeedResults-Based Strategy Designed to Alleviate Clientsrsquo Concerns in Pursuing Financial Goals

Please visit Dale through LinkedIn at wwwlinkedincomindalebeed

2012 ndash 2014 winner Dale A Beed First Vice President Financial Advisor

bull Preserve personal wealthbull Personalize portfolios for your retirement yearsbull Protect and grow a family legacy

Dale interacts with generations of families striving to alleviate concerns of their fi nancial future with a fi ve-stage formula While all Dalersquos clients are in various stages of their lives he diagnoses their individual specifi c needs through a highly customized question-based approach because he believes that understanding a clientrsquos goals and comfort level for risk are the cornerstones of a successful investment strategy that will enable them to navigate the future successfully

Dale has exclusive client-facing interaction and while he is a sole practitioner he is supported by a network of worldwide resources Dale has been a veteran of the securities industry since 1985 and as of May 2008 joined the fi rm of Morgan Stanley after more than 18 years at UBS

When not managing individual portfolios Dalersquos long-term passion for the ocean is carried on today through surfi ng which is his primary sport and recreation This passion started as a small child when he grew up in a small fi shing village and carried on in college where he studied mechanical engineering with a major in ocean wave hydraulics while working with the Maritime Services Board of New South Wales in Australia

Please visit Dalersquos website or LinkedIn for more information on how Dale helps investors overcome their obstacles and achieve their goals

1225 Prospect Street bull La Jolla CA 92037Phone (858) 729-5079 bull Toll-free (800) 473-2331 Ext 5079 bull Fax (858) 551-5907

dalebeedmorganstanleycom bull wwwmorganstanleyfacomdalebeed bull wwwlinkedincomindalebeed

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

copy Fivesta

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Mary E CollinsYour Portfolio Is Worth a Second Opinion

Areas of Focus Retirement Planning Managed Money Life Insurance

2014 winner Mary E Collins Vice President ndash InvestmentsCA Insurance License Number 0A13733

bull Striving to smooth out a rough ridebull When navigating the rough waters of the markets an experienced Financial Advisor can help

Over the last decade numerous individuals and small businesses have suff ered from the volatility of the fi nancial markets Now is the time to address your individual needs and retirement plans

Mary follows a comprehensive process to customize strategies for each client She will work with you to identify your goals and understand your own risk tolerance

Utilizing the resources of Wells Fargo Advisors we help you pursue your needs and inspirations by giving insight and guidance on the stock and bond markets diff erent money managers and specifi c investments such as life insurance and annuities

With more than 25 years of investment experience Mary takes a holistic approach to portfolio evaluation

888 Prospect Street Suite 301 bull La Jolla CA 92037Office (858) 456-7760

marycollinswfadvisorscom

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 1113-01788]

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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DB Wealth Management Group LLCA Registered Investment Advisor

Focus Integrating Investment Tax Planning Retirement Income Risk Management and Estate Planning Strategies

Left to right Three-year winners Jeanne Bradford-Odorico CERTIFIED FINANCIAL PLANNERtrade Chartered Life Underwriterreg and Michael Donohue CERTIFIED FINANCIAL PLANNERtrade Certifi ed Fund Specialistreg

bull Partnering with clients to help create protect and preserve wealth through objective fi nancial planning and strategic investment management

What is your vision of retirement Do you have confi dence knowing you are fi nancially prepared and living life to its fullest Or are you spending your time worrying about outliving your money

Our combined experience of more than 50 years has been enhancing clientsrsquo lives by combining broad and deep technical fi nancial expertise with the ability and desire to understand what matters most to every client

DB Wealth Managementrsquos clients have unique individual circumstances and they rely on us to analyze and develop

personalized strategies By providing advice and insight regarding fi nancial alternatives and educating with clear explanations of relevant concepts we can help transform fi nancial visions into reality

We believe comprehensive wealth management is not found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality

DB Wealth Management Group LLC1450 Frazee Road Suite 610 bull San Diego CA 92108

Office (619) 497-0404 bull Fax (619) 497-0804wwwretirementstrategies4youcom

Michael K Donohue CA Insurance Lic 0685025 and Jeanne Bradford-Odorico CA Insurance Lic 0661685are Registered Principals with and securities offered through LPL Financial Member FINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Epstein amp White Retirement Income Solutions LLCHelping Clients to Grow and Protect Their Wealth

Areas of Focus Retirement Income Planning for Pre-Retirees and the Recently Retired

Left to right Rubi Borja 2014 winner David M Epstein President Bradley White Vice President Charlene Freeborn

bull Retirement income and distribution strategiesbull Comprehensive wealth management and independent advicebull Relationships built on trust and integrity since 1983

We value our clients knowing that the relationship is the cornerstone of success Our passion for your fi nancial well-being and our commitment to your future starts with a thorough understanding of your current situation expectations and goals

Davidrsquos and Bradleyrsquos combined 35 years of experience will help us develop a comprehensive investment strategy and

solidify your retirement income plan mdash a plan that fi ts both your lifetime income needs and legacy goals

ldquoBy using the best fi nancial tools and strategies available our team and I take the fear out of your fi nancial future and give you confi dence in what lies aheadrdquo mdash David M Epstein President

Epstein amp White Retirement Income Solutions4660 La Jolla Village Drive Suite 500 bull San Diego CA 92122

Office (858) 535-4832 bull Fax (858) 535-4833depsteindavidmepsteincom bull epsteinandwhitecom bull yourretirementherocom

Investment Advisory Services offered on a fee basis through Global Financial Private Capital LLC an SEC Registered Investment Adviser

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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FS21

2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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FS22

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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ealth M

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

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FSbull23

Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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agers

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Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

e Star W

ealth M

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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ealth M

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FSbull26

David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull27

5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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FS28

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull28

101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

siona

l

copy Fivesta

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FSbull29

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

alsmdash

ww

wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

FSbull29

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FSbull31FS31

2014 Fiv

e Star W

ealth M

anag

ersmdash

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wfivestarprofessionalcom

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star A

ccou

ntin

g an

d E

state Plan

nin

g P

rofessio

nals

mdash w

wwfivestarprofessionalcom

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

copy Fivesta

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FS11

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

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wfivestarprofessionalcom

FSbull11

Dale A BeedResults-Based Strategy Designed to Alleviate Clientsrsquo Concerns in Pursuing Financial Goals

Please visit Dale through LinkedIn at wwwlinkedincomindalebeed

2012 ndash 2014 winner Dale A Beed First Vice President Financial Advisor

bull Preserve personal wealthbull Personalize portfolios for your retirement yearsbull Protect and grow a family legacy

Dale interacts with generations of families striving to alleviate concerns of their fi nancial future with a fi ve-stage formula While all Dalersquos clients are in various stages of their lives he diagnoses their individual specifi c needs through a highly customized question-based approach because he believes that understanding a clientrsquos goals and comfort level for risk are the cornerstones of a successful investment strategy that will enable them to navigate the future successfully

Dale has exclusive client-facing interaction and while he is a sole practitioner he is supported by a network of worldwide resources Dale has been a veteran of the securities industry since 1985 and as of May 2008 joined the fi rm of Morgan Stanley after more than 18 years at UBS

When not managing individual portfolios Dalersquos long-term passion for the ocean is carried on today through surfi ng which is his primary sport and recreation This passion started as a small child when he grew up in a small fi shing village and carried on in college where he studied mechanical engineering with a major in ocean wave hydraulics while working with the Maritime Services Board of New South Wales in Australia

Please visit Dalersquos website or LinkedIn for more information on how Dale helps investors overcome their obstacles and achieve their goals

1225 Prospect Street bull La Jolla CA 92037Phone (858) 729-5079 bull Toll-free (800) 473-2331 Ext 5079 bull Fax (858) 551-5907

dalebeedmorganstanleycom bull wwwmorganstanleyfacomdalebeed bull wwwlinkedincomindalebeed

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

copy Fivesta

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull11

Mary E CollinsYour Portfolio Is Worth a Second Opinion

Areas of Focus Retirement Planning Managed Money Life Insurance

2014 winner Mary E Collins Vice President ndash InvestmentsCA Insurance License Number 0A13733

bull Striving to smooth out a rough ridebull When navigating the rough waters of the markets an experienced Financial Advisor can help

Over the last decade numerous individuals and small businesses have suff ered from the volatility of the fi nancial markets Now is the time to address your individual needs and retirement plans

Mary follows a comprehensive process to customize strategies for each client She will work with you to identify your goals and understand your own risk tolerance

Utilizing the resources of Wells Fargo Advisors we help you pursue your needs and inspirations by giving insight and guidance on the stock and bond markets diff erent money managers and specifi c investments such as life insurance and annuities

With more than 25 years of investment experience Mary takes a holistic approach to portfolio evaluation

888 Prospect Street Suite 301 bull La Jolla CA 92037Office (858) 456-7760

marycollinswfadvisorscom

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 1113-01788]

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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DB Wealth Management Group LLCA Registered Investment Advisor

Focus Integrating Investment Tax Planning Retirement Income Risk Management and Estate Planning Strategies

Left to right Three-year winners Jeanne Bradford-Odorico CERTIFIED FINANCIAL PLANNERtrade Chartered Life Underwriterreg and Michael Donohue CERTIFIED FINANCIAL PLANNERtrade Certifi ed Fund Specialistreg

bull Partnering with clients to help create protect and preserve wealth through objective fi nancial planning and strategic investment management

What is your vision of retirement Do you have confi dence knowing you are fi nancially prepared and living life to its fullest Or are you spending your time worrying about outliving your money

Our combined experience of more than 50 years has been enhancing clientsrsquo lives by combining broad and deep technical fi nancial expertise with the ability and desire to understand what matters most to every client

DB Wealth Managementrsquos clients have unique individual circumstances and they rely on us to analyze and develop

personalized strategies By providing advice and insight regarding fi nancial alternatives and educating with clear explanations of relevant concepts we can help transform fi nancial visions into reality

We believe comprehensive wealth management is not found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality

DB Wealth Management Group LLC1450 Frazee Road Suite 610 bull San Diego CA 92108

Office (619) 497-0404 bull Fax (619) 497-0804wwwretirementstrategies4youcom

Michael K Donohue CA Insurance Lic 0685025 and Jeanne Bradford-Odorico CA Insurance Lic 0661685are Registered Principals with and securities offered through LPL Financial Member FINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Epstein amp White Retirement Income Solutions LLCHelping Clients to Grow and Protect Their Wealth

Areas of Focus Retirement Income Planning for Pre-Retirees and the Recently Retired

Left to right Rubi Borja 2014 winner David M Epstein President Bradley White Vice President Charlene Freeborn

bull Retirement income and distribution strategiesbull Comprehensive wealth management and independent advicebull Relationships built on trust and integrity since 1983

We value our clients knowing that the relationship is the cornerstone of success Our passion for your fi nancial well-being and our commitment to your future starts with a thorough understanding of your current situation expectations and goals

Davidrsquos and Bradleyrsquos combined 35 years of experience will help us develop a comprehensive investment strategy and

solidify your retirement income plan mdash a plan that fi ts both your lifetime income needs and legacy goals

ldquoBy using the best fi nancial tools and strategies available our team and I take the fear out of your fi nancial future and give you confi dence in what lies aheadrdquo mdash David M Epstein President

Epstein amp White Retirement Income Solutions4660 La Jolla Village Drive Suite 500 bull San Diego CA 92122

Office (858) 535-4832 bull Fax (858) 535-4833depsteindavidmepsteincom bull epsteinandwhitecom bull yourretirementherocom

Investment Advisory Services offered on a fee basis through Global Financial Private Capital LLC an SEC Registered Investment Adviser

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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FS21

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

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FSbull21

Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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FS22

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

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FSbull23

Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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agers

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Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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anag

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FSbull26

David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

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5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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FS28

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

FSbull28

101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

siona

l

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SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

alsmdash

ww

wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

FSbull29

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FSbull31FS31

2014 Fiv

e Star W

ealth M

anag

ersmdash

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wfivestarprofessionalcom

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star A

ccou

ntin

g an

d E

state Plan

nin

g P

rofessio

nals

mdash w

wwfivestarprofessionalcom

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull11

Mary E CollinsYour Portfolio Is Worth a Second Opinion

Areas of Focus Retirement Planning Managed Money Life Insurance

2014 winner Mary E Collins Vice President ndash InvestmentsCA Insurance License Number 0A13733

bull Striving to smooth out a rough ridebull When navigating the rough waters of the markets an experienced Financial Advisor can help

Over the last decade numerous individuals and small businesses have suff ered from the volatility of the fi nancial markets Now is the time to address your individual needs and retirement plans

Mary follows a comprehensive process to customize strategies for each client She will work with you to identify your goals and understand your own risk tolerance

Utilizing the resources of Wells Fargo Advisors we help you pursue your needs and inspirations by giving insight and guidance on the stock and bond markets diff erent money managers and specifi c investments such as life insurance and annuities

With more than 25 years of investment experience Mary takes a holistic approach to portfolio evaluation

888 Prospect Street Suite 301 bull La Jolla CA 92037Office (858) 456-7760

marycollinswfadvisorscom

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 1113-01788]

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FS12

2014 Fiv

e Star W

ealth M

anag

ersmdash

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

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DB Wealth Management Group LLCA Registered Investment Advisor

Focus Integrating Investment Tax Planning Retirement Income Risk Management and Estate Planning Strategies

Left to right Three-year winners Jeanne Bradford-Odorico CERTIFIED FINANCIAL PLANNERtrade Chartered Life Underwriterreg and Michael Donohue CERTIFIED FINANCIAL PLANNERtrade Certifi ed Fund Specialistreg

bull Partnering with clients to help create protect and preserve wealth through objective fi nancial planning and strategic investment management

What is your vision of retirement Do you have confi dence knowing you are fi nancially prepared and living life to its fullest Or are you spending your time worrying about outliving your money

Our combined experience of more than 50 years has been enhancing clientsrsquo lives by combining broad and deep technical fi nancial expertise with the ability and desire to understand what matters most to every client

DB Wealth Managementrsquos clients have unique individual circumstances and they rely on us to analyze and develop

personalized strategies By providing advice and insight regarding fi nancial alternatives and educating with clear explanations of relevant concepts we can help transform fi nancial visions into reality

We believe comprehensive wealth management is not found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality

DB Wealth Management Group LLC1450 Frazee Road Suite 610 bull San Diego CA 92108

Office (619) 497-0404 bull Fax (619) 497-0804wwwretirementstrategies4youcom

Michael K Donohue CA Insurance Lic 0685025 and Jeanne Bradford-Odorico CA Insurance Lic 0661685are Registered Principals with and securities offered through LPL Financial Member FINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Epstein amp White Retirement Income Solutions LLCHelping Clients to Grow and Protect Their Wealth

Areas of Focus Retirement Income Planning for Pre-Retirees and the Recently Retired

Left to right Rubi Borja 2014 winner David M Epstein President Bradley White Vice President Charlene Freeborn

bull Retirement income and distribution strategiesbull Comprehensive wealth management and independent advicebull Relationships built on trust and integrity since 1983

We value our clients knowing that the relationship is the cornerstone of success Our passion for your fi nancial well-being and our commitment to your future starts with a thorough understanding of your current situation expectations and goals

Davidrsquos and Bradleyrsquos combined 35 years of experience will help us develop a comprehensive investment strategy and

solidify your retirement income plan mdash a plan that fi ts both your lifetime income needs and legacy goals

ldquoBy using the best fi nancial tools and strategies available our team and I take the fear out of your fi nancial future and give you confi dence in what lies aheadrdquo mdash David M Epstein President

Epstein amp White Retirement Income Solutions4660 La Jolla Village Drive Suite 500 bull San Diego CA 92122

Office (858) 535-4832 bull Fax (858) 535-4833depsteindavidmepsteincom bull epsteinandwhitecom bull yourretirementherocom

Investment Advisory Services offered on a fee basis through Global Financial Private Capital LLC an SEC Registered Investment Adviser

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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FS22

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

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FSbull23

Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

anag

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ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

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Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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agers

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Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

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ealth M

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

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FSbull27

5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

siona

l

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SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

alsmdash

ww

wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

FSbull29

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2014 Fiv

e Star W

ealth M

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SPECIAL ADVERTISING SECTION

2014 Fiv

e Star A

ccou

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state Plan

nin

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rofessio

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

copy Fivesta

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FS12

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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ealth M

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DB Wealth Management Group LLCA Registered Investment Advisor

Focus Integrating Investment Tax Planning Retirement Income Risk Management and Estate Planning Strategies

Left to right Three-year winners Jeanne Bradford-Odorico CERTIFIED FINANCIAL PLANNERtrade Chartered Life Underwriterreg and Michael Donohue CERTIFIED FINANCIAL PLANNERtrade Certifi ed Fund Specialistreg

bull Partnering with clients to help create protect and preserve wealth through objective fi nancial planning and strategic investment management

What is your vision of retirement Do you have confi dence knowing you are fi nancially prepared and living life to its fullest Or are you spending your time worrying about outliving your money

Our combined experience of more than 50 years has been enhancing clientsrsquo lives by combining broad and deep technical fi nancial expertise with the ability and desire to understand what matters most to every client

DB Wealth Managementrsquos clients have unique individual circumstances and they rely on us to analyze and develop

personalized strategies By providing advice and insight regarding fi nancial alternatives and educating with clear explanations of relevant concepts we can help transform fi nancial visions into reality

We believe comprehensive wealth management is not found in any one product or technique but through a thoughtfully designed game plan centered around the personal vision of each client We look forward to exploring how DB Wealth Management Group can help your vision of retirement become your reality

DB Wealth Management Group LLC1450 Frazee Road Suite 610 bull San Diego CA 92108

Office (619) 497-0404 bull Fax (619) 497-0804wwwretirementstrategies4youcom

Michael K Donohue CA Insurance Lic 0685025 and Jeanne Bradford-Odorico CA Insurance Lic 0661685are Registered Principals with and securities offered through LPL Financial Member FINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

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Epstein amp White Retirement Income Solutions LLCHelping Clients to Grow and Protect Their Wealth

Areas of Focus Retirement Income Planning for Pre-Retirees and the Recently Retired

Left to right Rubi Borja 2014 winner David M Epstein President Bradley White Vice President Charlene Freeborn

bull Retirement income and distribution strategiesbull Comprehensive wealth management and independent advicebull Relationships built on trust and integrity since 1983

We value our clients knowing that the relationship is the cornerstone of success Our passion for your fi nancial well-being and our commitment to your future starts with a thorough understanding of your current situation expectations and goals

Davidrsquos and Bradleyrsquos combined 35 years of experience will help us develop a comprehensive investment strategy and

solidify your retirement income plan mdash a plan that fi ts both your lifetime income needs and legacy goals

ldquoBy using the best fi nancial tools and strategies available our team and I take the fear out of your fi nancial future and give you confi dence in what lies aheadrdquo mdash David M Epstein President

Epstein amp White Retirement Income Solutions4660 La Jolla Village Drive Suite 500 bull San Diego CA 92122

Office (858) 535-4832 bull Fax (858) 535-4833depsteindavidmepsteincom bull epsteinandwhitecom bull yourretirementherocom

Investment Advisory Services offered on a fee basis through Global Financial Private Capital LLC an SEC Registered Investment Adviser

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2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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ealth M

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The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

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Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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FS16

2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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2014 Fiv

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ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull23

Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull24

Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull25

Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull26

David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull27

5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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FS28

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull28

101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

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SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

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Pro

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wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

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SPECIAL ADVERTISING SECTION

2014 Fiv

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

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Epstein amp White Retirement Income Solutions LLCHelping Clients to Grow and Protect Their Wealth

Areas of Focus Retirement Income Planning for Pre-Retirees and the Recently Retired

Left to right Rubi Borja 2014 winner David M Epstein President Bradley White Vice President Charlene Freeborn

bull Retirement income and distribution strategiesbull Comprehensive wealth management and independent advicebull Relationships built on trust and integrity since 1983

We value our clients knowing that the relationship is the cornerstone of success Our passion for your fi nancial well-being and our commitment to your future starts with a thorough understanding of your current situation expectations and goals

Davidrsquos and Bradleyrsquos combined 35 years of experience will help us develop a comprehensive investment strategy and

solidify your retirement income plan mdash a plan that fi ts both your lifetime income needs and legacy goals

ldquoBy using the best fi nancial tools and strategies available our team and I take the fear out of your fi nancial future and give you confi dence in what lies aheadrdquo mdash David M Epstein President

Epstein amp White Retirement Income Solutions4660 La Jolla Village Drive Suite 500 bull San Diego CA 92122

Office (858) 535-4832 bull Fax (858) 535-4833depsteindavidmepsteincom bull epsteinandwhitecom bull yourretirementherocom

Investment Advisory Services offered on a fee basis through Global Financial Private Capital LLC an SEC Registered Investment Adviser

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2014 Fiv

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ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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tar Wealth

Man

agers

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Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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FS21

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

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FSbull21

Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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FS22

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

FSbull22

Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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tar Wealth

Man

agers

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FSbull23

Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

anag

ersmdash

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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FSbull24

Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

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FSbull25

Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

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David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull27

5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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FS28

2014 Fiv

e Star W

ealth M

anag

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ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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ealth M

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wfivestarprofessionalcom

FSbull28

101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

siona

l

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SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

alsmdash

ww

wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

FSbull29

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FSbull31FS31

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star A

ccou

ntin

g an

d E

state Plan

nin

g P

rofessio

nals

mdash w

wwfivestarprofessionalcom

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

copy Fivesta

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FS14

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

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wfivestarprofessionalcom

FSbull14

The Folsom ndash Sweeney Group

Left to right Ginna Olsen Investment Associate three-year winners John Folsom Senior Vice President Financial Advisor and Matthew Sweeney First Vice President Financial Advisor CFPreg

Sharon Holden Senior Registered Client Associate Nomah Cronk Registered Client Associate

bull Experienced stock and bond managementbull Comprehensive wealth planning servicesbull Personalized team approach to focus on your fi nances

We are committed to helping our clients reach their fi nancial goals and we are grateful for the trust and confi dence they have bestowed on our team We are fortunate to have so many solid relationships with great clients

The Folsom ndash Sweeney Group works hard on their behalf not only because that is our job and we enjoy it but also because the entire team cares about our clientsrsquo welfare

A very big thank you to all our valued clients for their continued business

4250 Executive Square Suite 800 bull La Jolla CA 92037Direct (858) 550-5125 bull Toll-free (888) 909-5125

mattsweeneyrbccom bull wwwrbcwmfacomfolsomsweeney

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull23

Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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ww

wfivestarprofessionalcom

FSbull24

Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull25

Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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FS26

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull26

David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull27

5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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FS28

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull28

101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

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SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

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Pro

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Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

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SPECIAL ADVERTISING SECTION

2014 Fiv

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

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Gerald D RamirezWealth Management Delivered With High-Touch Personalized Service

Areas of Focus Tax-Free Income and Tax Advantaged Investments

2013 ndash 2014 winner Gerald D Ramirez CRPCreg Vice President ndash Wealth Management Financial Advisor

bull Strategies to create a lifetime retirement income streambull Work with you to craft your own retirementbull Collaborate with your CPA and attorney to execute your plan

My philosophy around wealth management is rooted in the idea of relationships Wealth management is not just about asset allocation It is about helping clients live their dreams In order to make that happen good fi nancial advisors must also be good people working tirelessly to understand clientsrsquo deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust

With more than 16 yearsrsquo experience I am dedicated to providing each relationship with the fi nest individually tailored

approach to fi nancial and investment strategies designed to help you achieve fi nancial independence At the heart of my philosophy is a passion to build enduring client relationships through my commitment to providing customized guidance and outstanding service It starts with listening I ask questions regarding your needs and dreams and then listen It is an ongoing process through which I will strive to know you your family your goals and your dreams This helps me make recommendations and design a fl exible wealth plan that is uniquely yours Call to schedule your complimentary review

4350 La Jolla Village Drive Suite 1000 bull San Diego CA 92122Office (858) 643-5012

wwwmorganstanleyfacomgeraldramirez

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisorcopy2014 Morgan Stanley Smith Barney LLC Member SIPC

Two-Year

Winner

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FS16

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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2014 Fiv

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ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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agers

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Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

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5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

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101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

siona

l

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SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

alsmdash

ww

wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

FSbull29

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2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star A

ccou

ntin

g an

d E

state Plan

nin

g P

rofessio

nals

mdash w

wwfivestarprofessionalcom

FSbull31

Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

copy Fivesta

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2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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Bryan StebelProviding Peace of Mind With Sound Financial Strategies

Left to right Susan Thomas three-year winner Bryan Stebel CFPreg PresidentCEO

bull We have relationships not clientsbull Customized retirement income planningbull Ethics and integrity drive our fi duciary responsibility

Bryan has achieved this award for three consecutive years which is quite an accomplishment during these diffi cult fi nancial times Bryan has been in the fi nancial industry for more than 22 years with 11 of those years at Fidelity Investments While at Fidelity Bryan was responsible for managing more than $400 million in client assets and became the preferred advisor for universities and health care facilities in the San Diego area Bryan has become a partner and First

Executive VP of Gateway Financial Advisors Inc which has 120-plus advisors across the country helping to manage close to $2 billion in client assets In addition to retirement planning and wealth management Bryan has expanded his business to provide life long-term care disability property and casualty insurance to his clients Bryan brings a high level of personal commitment to each client and believes communication is the key to success

217 Chesterfield Drive bull Cardiff CA 92007Phone (858) 717-0833

bryanstebelfgcom bull wwwstebelfgcom

Securities offered through Cambridge Investment Research Inc Member FINRASIPCAdvisory Services through Cambridge Investment Research Advisors Inc a Registered Investment Advisor

Stebel Financial Group and Cambridge are not affiliated See the announcement page for more information on how the Five Star Wealth Managers are chosen

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull17

Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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2014 Fiv

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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2014 Fiv

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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tar Wealth

Man

agers

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FSbull23

Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull25

Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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2014 Fiv

e Star W

ealth M

anag

ersmdash

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

FSbull26

David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull27

5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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FS28

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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ealth M

anag

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wfivestarprofessionalcom

FSbull28

101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

siona

l

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SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

alsmdash

ww

wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

FSbull29

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FSbull31FS31

2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star A

ccou

ntin

g an

d E

state Plan

nin

g P

rofessio

nals

mdash w

wwfivestarprofessionalcom

FSbull31

Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Wealth amp Wisdom PartnersEducate Counsel and Guide Our Clients

Areas of Focus Education and Planning With Financial Strategies Designed to Help You Maximize Your Wealth

Left to right Stacie Caeg Rachael Negrete two-year winner Leroy Lopezthree-year winner Doak Belt 2012 winner Traci Havey

bull Building strong relationshipsbull A team approach to your fi nancial goalsbull Developing and implementing strategies in wealth management

Times are economically challenging and we are here to see that your fi nancial well-being remains strong Wealth and Wisdom Partners provides you with fi nancial strategies designed to help you maximize your wealth We off er one-stop shopping for all your fi nancial well-being including the accumulation distribution and conservation of wealth Our fi rm has an educational and interactive approach Our fi nancial

specialists take the time to understand your retirement needs and what is important to you with absolutely no obligation to purchase any product or service from us From diff erent fi nancial strategies to insurance and estate planning we fi nd ways to achieve your fi nancial goals that do not take away from your lifestyle so that you can enjoy your money today while saving for your future

Wealth amp Wisdom Partners2878 Camino del Rio South Suite 400 bull San Diego CA 92108

Office (619) 521-2100 bull Fax (619) 521-2114leew-wpcom bull traciw-wpcom bull doakw-wpcom bull wwww-wpcom

Securities offered through The ON Equity Sales Company Member FINRASIPC One Financial Way Cincinnati OH 45242 (513) 794-6794

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FS18

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

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FSbull18

The Andrews-Perry Group

Relationships Expertise Solutions

bull Serving the needs of San Diegorsquos families

bull Off ering comprehensive wealth management

bull Delivering world-class solutions

Left to right Stan Perry three-year winner Lawrence Andrews

The Andrews-Perry Group engages the RBC Private Wealth team members with expertise in estate planning investment strategies insurance solutions retirement income funding and credit and lending strategies to help meet their clientsrsquo needs The team works together to proactively develop a wealth management plan to help clients in all stages of their lives and address the 13 critical wealth management issues facing sophisticated families The Andrews-Perry Group is known to establish and maintain long-lasting collaborative relationships with clients To learn more visit their website or contact them directly

The Andrews-Perry GroupRBC Wealth Management

4250 Executive Square Suite 800La Jolla CA 92037

Phone (858) 550-5171Toll-free (866) 615-5294

lawrenceandrewsrbccomwwwtheandrewsperrygroupcom

RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC RBC Wealth Management does not provide tax or legal adviceWe will work with your independent taxlegal advisor to help create a plan tailored to your specific needs

Asset Preservation Strategies Inc

Your Family Advisor

bull Serving the needs of affl uent families and bu siness owners

bull Bringing your advisors together on one colla borative team

bull Benefi tting your family for generations to co me

Left to right Two-year winner John L Jenkins AEPreg EA CFPreg President three-year winner Gregory R Banner CFPreg CLUreg CRTP Vice President

We help you wade through the complexities of your assets estate business and legacy plans Our purpose is to help you achieve your desired outcome for your reasons Many have achieved their wealth by taking concentrated risk in business real estate and other asset classes Clients value our personalized approach to help them manage risk Collaboration benefi ts you through the collective intelligence of your advisory team

3636 Nobel Drive Suite 440San Diego CA 92122

Offi ce (858) 455-1825

administrationasset-preservationcom wwwasset-preservationcom

Registered Representatives offer securities through Securities America Inc Member FINRASIPC Investment Advisor Representatives offer financial advice through Securities America Advisors Inc Asset Preservation Strategies and Securities America are unaffiliated

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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Man

agers

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James Buley

Retirement IncomePortfolio Management

bull Individual municipal bond strategies

bull Long-term care and health care planning

bull Estate and philanthropic planning

Two-year winner James H Buley CFPreg CMFCreg AAMSreg

For two-plus decades James has helped families and individuals work toward achieving their retirement fi nancial goals and he works to off er strategies to provide income that can last throughout their retirement With this specialization in fi nancial planning and retirement income portfolio management he works tirelessly for his clients so they can enjoy the fruits of their labor and leave a lasting legacy with their loved ones

9330 Scranton Road Suite 270San Diego CA 92131

Phone (858) 658-0600 Ext 102

jamesbuleylplcomwwwjamesbuleycom

James Buley is a Registered Principal with and Securities and Advisory services are offered through LPL Financial member FINRASIPCJames Buley California Insurance Lic No 0B17116

Two-Year

Winner

Jonathan Doering

Faith-Based Fortune 500Membership Organization

bull Provides personalized fi nancial advice

bull Focus on member relationships to gain trust and demonstrate competence

bull Inspires members to live generously

Left to right 2014 winner Matthew Molstre Financial Consultant CFPreg withthree-year winner Jonathan Doering Financial Consultant FIC

Jonathan celebrated 23 years of service with Thrivent Financial in 2013 In that time he attended the fi nancial management program at The Wharton School of Business became a Thrivent Financial national speaker and established a national fi nancial services practice with a team of seasoned professionals Matt Molstre CFPreg a 10-year veteran delivers customized fi nancial solutions Jonathan and Matt hold esteem as members of Thrivent Financialrsquos Pinnacle Leaders Group which is comprised of only 50 fi nancial representatives in the country

12760 High Bluff Drive Suite 300San Diego CA 92130

Phone (858) 455-5227Toll-free (877) 593-1195

JonathanDoeringthriventcomwwwthriventcom

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements Securities and investment advisory services are offered through Thrivent Investment

Management Inc 625 Fourth Ave S Minneapolis MN 55415 a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans 580873

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FS21

2014 Fiv

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ealth M

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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FSbull21

The Fletcher Peltekian Group at Morgan Stanley

Off ering an Unparalleled Client Experience Comes First

bull Create pre- and post-retirement income strategies

bull Portfolio risk management

bull Personalized tax-effi cient investments

Left to right 2014 winner Ardo Peltekian Financial Advisor Associate Vice President 2012 ndash 2014 winner Dax Fletcher CRPSreg Portfolio Manager Associate Vice President Financial Advisor

Three-year winner Dax Fletcher and 2014 winner Ardo Peltekian do not simply off er their clients investment products They seek to provide a complete and comprehensive wealth management service that encompasses every aspect of fi nancial planning and investment management

As Portfolio Managers we aim to provide individuals with a level of personalized discretionary wealth management typically reserved for major institutions This allows us to be effi cient when being defensive or opportunistic

101 West Broadway Suite 1800San Diego CA 92101

Phone (619) 238-3438Fax (619) 235-9313

Morgan Stanley and its Financial Advisors do not provide tax or legal advice Individuals should seek advice based on their particular circumstances from an independent tax advisor copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Plan Design

Helping You Pursue a More Secure Financial Future

bull Independent objective and unbiased advice

bull Comprehensive fi nancial planning

bull Portfolio management and insurance services

Left to right Two-year winner Marty Peters CLUreg RHUreg 2014 winner Monika Windle CFPreg Bob Woods CLUreg ChFCreg

Marty Peters Monika Windle and Bob Woods specialize in helping clients pursue their fi nancial goals through comprehensive fi nancial planning and custom portfolio management Together they have more than 70 years of fi nancial experience and provide services in the areas of college planning retirement planning portfolio construction life and long-term care insurance They work closely with their clients and take the time to understand their needs and what is important to them

5575 Lake Park Way Suite 108La Mesa CA 91942

Offi ce (619) 668-8616

martyfi nancialplandesignlplcommonikafi nancialplandesignlplcom

wwwfi nanicalplandesignnet

Marty Peters Monika Windle and Bob Woods are registered representatives with and securities and advisory services offered through LPL Financial a registered investment advisor Member FINRASIPC Financial Planning offered through Roberts J Woods Inc a registered investment advisor amp separate entity from LPL Financial

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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FSbull21

Luis Antonio Izaguirre

Relationships Beyond Investing

bull Personalized portfolio management and advisory services

bull Personal and exceptional client service

bull Long-term client relationships

Left to right Diana Moreno Client Service Associate 2014 winner Luis Antonio Izaguirre First Vice President Financial Advisor International Wealth Specialist

Managing money is not just about studying charts and graphs for clients Recognizing their overall needs and goals in life is key Having worked in the fi nancial services industry since 1996 I have developed close relationships with individuals and families in the United States and abroad Working together we have established fi nancial plans for what matters most to my clients I look forward to extending our services to others

101 West Broadway Suite 1800San Diego CA 92101

Offi ce (619) 544-6557Toll-free (800) 228-9505

luisizaguirremorganstanleycomdiana1morenomorganstanleycom

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

David Lu

Dedicated to Your Success

bull Comprehensive wealth and investment management

bull Open architecture investing multiple platforms to help manage your investments

bull Customized fi nancial plans

2012 ndash 2014 year winner David Lu CERTIFIED FINANCIAL PLANNERtrade Financial Advisor Senior Vice President

David is a CFPreg professional with 16 years of experience in the wealth management and investment fi eld David works closely with families and individuals to help bring together solutions for the multidimensional aspects of their fi nancial aff airs This involves enhancing creating and preserving wealth as well as guiding clients step-by-step through every customized strategy Davidrsquos practice centers on helping his clients develop and execute fi nancial plans to help ensure they achieve their life goals

5464 Grossmont Center Drive Suite 200 La Mesa CA 91942

Offi ce (619) 668-4337 Toll-free (800) 729-2900

davidglumorganstanleycom wwwmorganstanleyfacom davidglu

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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FS22

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

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Marine Street Financial at Wells Fargo Advisors

Financial Network

Personal Wealth Strategies

bull Wealth preservation solutions

bull Comprehensive wealth management

bull Retirement planning

Left to right Conor FitzPatrick Associate 2014 winners Dan Racicot Partner and Perry Bacon Jr Partner Jaclyn Grabowski Branch Administrator

With more than 20 yearsrsquo combined experience working with clients to achieve their fi nancial goals Dan and Perry believe that the clientsrsquo best interests come above all else Along with their team they build deep relationships with their clients to make sure they understand their familyrsquos goals and objectives and defi ne their own success by that of their clients

Marine Street Financial at Wells Fargo Advisors Financial Network

4275 Executive Square Suite 910 La Jolla CA 92037

Offi ce (858) 754-3501Cell (858) 405-4969

perrybaconwfafi netcom wwwmarinestreetfi nancialcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-03327]

J Carlton Morse II

A Comprehensive Independent and Unbiased Approach

bull Trust confi dentiality quality service mdash focused on you

bull Listening understanding implementing mdash our process

bull Assisting you in your fi nancial journey

Left to right Joseph Morse Partner Financial Advisor Victoria Russell Senior Administrative Assistant two-year winner J Carlton Morse II Managing Partner CERTIFIED FINANCIAL PLANNERtrade Certifi ed Investment Management Analysttrade

This recognition provides a unique opportunity to say thank you to our clients We greatly appreciate the confi dence you have placed in us and are very mindful of the impact our work has on your fi nancial future Listening to your goals and dreams and then creating a customized solution to give you a greater opportunity for success is extremely rewarding for us With almost 60 years of combined fi nancial services experience we look forward to continuing to help you build your fi nancial future

5520 Wellesley Street Suite 206La Mesa CA 91942

Offi ce (619) 713-5950

carltonmorsewfafi netcom wwwmorsewealthmanagementcom

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 Financial Network LLC Member SIPC is a registered broker-dealer and separate nonbank affiliate of Wells Fargo amp Company [CAR 1113-02144]

CA License number 0B16353

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

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tar Wealth

Man

agers

mdash w

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FSbull23

Vance Schroeder

Fixed-Income andStock Portfolio Management

bull Specializing in high-net-worth clients

bull Municipal bond specialist

bull Diversifi ed stock income portfolios

Two-year winner Vance Schroeder Senior VP ndash Investment Offi cer PIM Portfolio Manager

I have more than 20 years of fi nancial and accounting experience My offi ce is in the village of Rancho Santa Fe and I live in Santa Fe Valley with my wife and two daughters I focus on managing municipal bond and stock portfolios for executives business owners and families of closely and privately held companies I have been awarded the Private Investment Management (PIM) designation achieved by only a small percentage of Wells Fargo Advisors Call me for a portfolio review

6110 El Tordo 2nd FloorRancho Santa Fe CA 92067

Offi ce (858) 673-4800Direct (858) 673-4814

vanceschroederwfadvisorscomhomewellsfargoadvisorscomvanceschroeder

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 andthe Five Star selection process Wells Fargo Advisors LLC Member SIPC [CAR 1113-03055]

Two-Year

Winner

Kimberlie Sonnenberg

Integrity and Experience a Client-Centric Firm

bull Individualized portfolio construction

bull Long-term client relationships

bull Simplifying the complexity of investing

Two-year winner Kimberlie Sonnenberg President CRPCreg

Sonnenberg Financial Solutions (SFS) is an independent and comprehensive fi nancial services fi rm dedicated to helping clients protect and grow their hard-earned assets At SFS we specialize in developing wealth management plans including investment management estate planning and retirement planning SFS provides service to a limited number of clients thereby providing a concierge level of client care

2105 Third Avenue San Diego CA 92101

Direct (619) 421-2222 Cell (619) 889-7855

Kimberliesonnenbergfscom SonnenbergFinancialSolutionscom

Registered Representative ndash Securities offered through Cambridge Investment Research Inc a BrokerDealer Member FINRASIPC Investment Advisor Representative ndash Cambridge Investment Research Advisors Inc a Registered Investment Advisor Cambridge and Sonnenberg Financial Solutions are not affiliated

Two-Year

Winner

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FS24

2014 Fiv

e Star W

ealth M

anag

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wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

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wfivestarprofessionalcom

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Telos Capital Management Inc

Off ering a Wide Range of Investment Strategies

bull Global growth and dividend equity portfolios

bull Tax-free and taxable fi xed income portfolios

bull A strong focus on risk management

Left to right Two-year winner Jonathan Fairchild Stefan Meierhofer CFA CFPreg

At Telos we understand that every client has a unique set of investment goals Thatrsquos why we strive to personally know and understand our clients and to keep their specifi c needs in focus We off er a wide range of investment solutions with a global perspective that follows disciplined investing principles with the ultimate goal of helping our clients achieve fi nancial success We recognize trust is to be continuously earned and we strive to be worthy of that trust

12121 Scripps Summit Drive Suite 350 San Diego CA 92131

Toll-free (888) 808-3567 Local (858) 271-6350

infotelosinccom wwwtelosinccom

Telos Capital Management Inc is a fee-only SEC-registered investment advisor For disclosures please see wwwtelosinccom

Two-Year

Winner

Theodore J Tadeusiak

A Highly Personal Approach to Your Wealth and Investment Management

bull As your fi nancial advisor I can help o rganize and prioritize fi nancial needs

bull Develop a fl exible plan for your wealth and investment management

bull And communicate with you continuously to keep you informed and on track

2014 winner Theodore J Tadeusiak CFAreg First Vice President Senior Portfolio Manager Financial Advisor

I have had the privilege of working with individuals and families for 24 years often over several generations My professional background includes serving on boards for foundations investment committees and industry organizations As the fi nancial world becomes more complex and investment choices multiply careful planning becomes ever more important to helping you achieve your fi nancial goals As your wealth manager my role is to work with you to help you develop a plan that lays out a clear path to your goals mdash a plan I develop in collaboration with you that can adjust with the circumstances in your life and one that you can follow with confi dence in the face of the marketrsquos ups and downs

4350 La Jolla Village Drive Suite 1000San Diego CA 92122

Offi ce (858) 643-5038

theodoretadeusiakmorganstanleycomwwwmorganstanleyfacomtheodoretadeusiak

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull25

Tricia A Bothmer

RBC Wealth Management 4250 Executive Sq Ste 800La Jolla CA 92037

Direct (800) 550-5160Offi ce (858) 550-5160

triciabothmerrbccomwwwrbcwmfacomtriciabothmer

bull Wealth preservation and growth strategiesbull Custom retirement and income planningbull Personalized service and advice

Prudent Client-Centered Advice

Five Star Wealth Manager Tricia Bothmer has more than 20 years of experience assisting clients with investment strategies to help them reach their fi nancial goals Her approach integrates your objectives into a personalized plan that can be updated as life changes occur She combines sophisticated wealth management tools with professional resources to help match your needs with customized and timely solutions

Securities offered through RBC Wealth Management copy2014 RBC Wealth Management a division of RBC Capital Markets LLC Member NYSEFINRASIPC

Vice President Financial Advisor

Two-Year

Winner

Tom R Gibbings

2020 Financial Advisers of San Diego LLC 1660 Hotel Cir N Ste 205San Diego CA 92108

Phone (619) 718-6500 Ext 3023

tgibbings2020facomwww2020facom

bull Provide simple alternatives to complex problemsbull Help ensure fi nancial security for you and your familybull Always with personal attention and confi dentiality

Your Future Is Our Focus mdash Our Priorities Are

Applying my 34 years of experience I design plans and strategies to help meet your specifi c fi nancial objectives I assist in implementing actions appropriate to achieving your goals for retirement income family security and independence plus preserving the estate you spent your lifetime creating Securities and investment advisory services are offered solely through Ameritas Investment Corp (ldquoAICrdquo) Member FINRASIPC AIC and 2020 Financial Advisers of San Diego LLC are not affiliated Additional products and services may be available through Tom R Gibbings or

2020 Financial Advisers of San Diego LLC that are not offered through AIC

CFPreg CLUreg

Weatherly Asset Management

Focused on Providing Comprehensive Wealth Management Services

bull Comprehensive and personalized management

bull Individual portfolio construction

bull Estate tax and retirement planning

Left to right 2014 winner Scott R Frank CFAreg three-year winner Candise C Holmlund CFAreg CFPreg three-year winner Carolyn P Taylor President Brent B Armstrong CFPreg

Weatherly Asset Management LP is a registered investment advisor located in Del Mar Calif dedicated to providing high-quality personalized wealth management services to individuals small businesses high-net-worth individuals and institutional clientsOur comprehensive approach to all aspects of a clientrsquos fi nancial life encompasses advice on estate planning wealth transfer and tax planning asset management includes customized and tax-effi cient portfolio construction and the extensive experience of our principals and the accessibility of experts sets us apart from other fi rms

832 Camino del Mar Suite 4Del Mar CA 92014

Offi ce (858) 259-4507Toll-free (800) 967-9354

carolynweatherlyassetmgtcom bull candiseweatherlyassetmgtcomscottweatherlyassetmgtcom bull brentweatherlyassetmgtcom

For more information on our firm or to request a brochure please visit our website at wwwweatherlyassetmgtcom

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2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

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wfivestarprofessionalcom

FSbull26

David H Rascoe

101 W Broadway Ste 1800 San Diego CA 92101

Offi ce (619) 544-6522 davidrascoemscomwwwmorganstanleyfacomdavidrascoe

bull Retirement and income planningbull Personalized client supportbull More than 22 years of retirement planning experience

Specializing in Retirement Planning

David helps direct and manage asset allocation strategies He focuses on helping clients make signifi cant investment decisions for their ldquocore retirement assetsrdquo and he is committed to helping clients achieve their retirement and fi nancial goalsFive Star award winner 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Senior Vice President Financial Advisor

Two-Year

Winner

Scott T Sutherland

11682 El Camino Real Ste 305San Diego CA 92130Offi ce (858) 523-7941Toll-free (877) 524-4015scottsutherlandwellsfargoadvisorscomwwwwfadvisorscomscottsutherland

bull Retirement plan consultingbull Retirement planning for individualsbull More than 20 years of experience

Client Focused mdash Relationship Driven

Scott focuses on consulting to employee retirement plans for corporations and government agencies as well as providing retirement planning and investment management to individuals who have gotten to know him through his retirement plan service Supporting Scott is a team of three individuals that help him provide high-touch personalized client service and in-depth due diligence for selecting and monitoring investments for their clients

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 1113-01185]

Senior Vice President ndash InvestmentsCRPSreg

Two-Year

Winner

Jeremy D Gottlieb

2173 Salk Ave Ste 250Carlsbad CA 92008Offi ce (760) 579-7676Cell (561) 789-6070jeremygottlieblplcomgottliebwealthmanagementcom

bull Financial and retirement planning specialist bull Disciplined knowledgeable honest approach bull Unparalleled service that exceeds expectation

Comprehensive Wealth Management

Jeremy Gottlieb provides the highest standards of professionalism in the fi elds of fi nancial and retirement planning Our focus is to provide investment advice and guidance to clients with wisdom integrity and dedication while also providing unparalleled service and support that exceeds expectations

Mr Gottlieb is a registered representative with and securities are offered through LPL Financial Member FINRASIPC Investment advice offered through Independent Financial Partners (IFP) a registered investment advisor IFP and Gottlieb Wealth Management are

separate entities from LPL Financial CA Insurance Lic 0F89922

Financial Planner MBA RFPreg RFCreg

Catherine Magantildea

1925 Palomar Oaks Way Ste 200Carlsbad CA 92008

Offi ce (760) 692-5190catherinewwmfi nancialcomwwwwwmfi nancialcom

bull Looking out for the female investorbull Team approach to fi nancial advicebull Ongoing advice and education process

Educating Clients

Catherine Magantildea represents the best of what WWM stands for She leads WWM in its focus on womenrsquos fi nances through our ldquoSavvy Women Invest on Purposerdquo educational series WWM assists widows divorcees women changing careers and spouses wishing to learn about fi nancial matters For WWM your values and core beliefs are more important to us than how much money you have

WWM Financial is an SEC-Registered Investment Advisor o ering advisory services to clients who have engaged us in jurisdictions where we are properly licensed or exempt from licensure

Managing Partner

Two-Year

Winner

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The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Wealth

Man

agers

mdash w

wwfivestarprofessionalcom

FSbull27

5800 Armada Dr Ste 300Carlsbad CA 92008Office (760) 930-2444Direct (760) 930-3416johnagostinowellsfargoadvisorscomwwwwfadvisorscomjohnagostino

John S Agostino

A sincere ldquothank yourdquo goes to my clients for their continued business and for allowing me to play a major role in the achievement of their financial and life goals

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 1113-02087]

First Vice President ndash Investments

Financial Planning Solutions Inc 2784 Gateway Rd Ste 102Carlsbad CA 92009Phone (760) 929-1180slboycefinancialdesignnetwwwFinancialDesignnet

Shelley Lee Boyce

For more than 25 years Shelley has served a diverse clientele with her conservative analytical skills comprehensive custom f inancial plans por tfol io design and management

Shelley Lee Boyce is a Registered Representative withand o ers Securities through Commonwealth Financial Network Member

FINRASIPC Advisory services o ered by Financial Planning Solutions are separate and unrelated to Commonwealth

CFPreg AIFreg

101 W Broadway Ste 1800San Diego CA 92101Direct (619) 238-3449BretClevelandmscomwwwmorganstanleyfacomtheclevelandlewisgroup

Bret A Cleveland

2012 ndash 2014 Five Star Wealth Manager Bret Cleveland is a CFPreg professional with 16 years of experience He works closely with his clients to design and implement integrated financial plans that leverage his many years of experience

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

First Vice President Portfolio Manager Financial Advisor CFPreg ADPASM

8880 Rio San Diego Dr Ste 360San Diego CA 92108Office (619) 718-7000Cell (619) 203-9481brianelliottvaliccom

Brian Elliott

I a m c o m m i t t e d t o e d u c a t i n g m y clients to assist them in making sound financial decisions Together through comprehensive planning we will develop customized strategies to support you in achieving your financial goals and securing your familyrsquos future

CERTIFIED FINANCIAL PLANNERtrade

1225 Prospect StLa Jolla CA 92037Direct (858) 729-5112norbertfrassamscomwwwmorganstanleyfacomnorbertfrassa

Norbert Frassa

Careful planning can be crucial to nearly any financial goal Whether you want to comfortably retire or save for college I can assist you with reviewing your situation and help determine appropriate strategies

copy 2014 Morgan Stanley Smith Barney LLC Member SIPC Certi ed Financial Planner Board of Standards Inc owns the certi cation

marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally registered CFP (with ame design) in the US

Financial Advisor CFPreg 2013 ndash 2014 winner

Two-Year

Winner

Scripps Tax amp Financial Group9909 Mira Mesa Blvd Ste 230San Diego CA 92131Office (858) 271-1488Fax (858) 578-4164jgergurichpsfincomwwwscrippstaxcom

John M Gergurich

John helps his clients implement tax-efficient strategies to grow and protect assets so they can focus on life and enjoyment of retirement

Advisory Services o ered through Capital Analysts Inc or Lincoln Investment Planning Inc Registered Investment Advisors

Securities o ered through Lincoln Investment Planning Inc BrokerDealer Member FINRASIPC wwwlincolninvestmentcom

Financial Advisor mdash CFPreg EA CLUreg

5230 Carroll Canyon Rd Ste 214San Diego CA 92121Phone (858) 452-6455kcorlettffeccomwwwkencorlettcom

Ken Corlett

Ken and his team strive for excellence in service for their clients To explore their services visit wwwkencorlettcom

MWM operates under and services o ered through First Financial Equity Corporation Member FINRASIPC ndash www eccom

CFPreg MWM President

60377 La Flecha Rancho Santa Fe CA 92067Office (858) 613-8156 Toll-free (800) 755-3765Joeadamomscom

Joseph S Adamo

Joe has focused on building preserving and transferring family wealth for more than 29 years He began his career at E F Hutton and now works for Morgan Stanley in Rancho Santa Fe Calif Joe has earned the right to use the designation of Certified Po r t fo l i o M a n a g e m e n t (C PM reg ) f r o m Columbia University

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

CPMreg First Vice President Financial Advisor

You will never get

rich by just saving

money mdash you

must invest in

opportunities to

build wealth

mdash Five Star award winner

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2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1838 San Diego wealth managers were considered for the award 367 (21 of candidates) were named Five Star Wealth Managers

SPECIAL ADVERTISING SECTION

2014 Fiv

e Star W

ealth M

anag

ersmdash

ww

wfivestarprofessionalcom

FSbull28

101 W Broadway Ste1800San Diego CA 92101Office (619) 238-6272GrantLewisMScomwwwmorganstanleyfacomtheclevelandlewisgroup

Grant Lewis

Grant is a CE R T I F I E D FI N A N C I A L PL A N N E Rtrade professional He prides himself on providing clients with honest and applicable advice and helping each client create personalized financial plans

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor CERTIFIED FINANCIAL PLANNERtrade

530 B St 24th FlSan Diego CA 92101Office (619) 230-4174brandonlinsterunionbankcomwwwunionbankcom

Brandon Linster

Wealth can provide opportunities but also create significant challenges Successful people often fail to address the complexity of their wealth Irsquoll work with you to create and implement a customized strategy to help you achieve your goals and dreamsUnionBanc Investment Services LLC is a registered broker-dealer investment

advisor member FINRASIPC and subsidiary of Union Bank NA

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value

Vice President Senior Financial Advisor

Two-Year

Winner

16644 W Bernardo Dr Ste 400San Diego CA 92127Phone (858) 674-3956DeanPfremmermorganstanleycom

Dean R Pfremmer

With 30 years of experience Dean believes financial solutions begin with understanding clientsrsquo objectives He follows a disciplined process that enables him to work with you toward achieving your financial goalsFive Star award winner 2012 2013 and 2014

copy2014 Morgan Stanley Smith Barney LLC Member SIPCCalifornia Insurance License No 0A17331

Vice President Financial Advisor

1225 Prospect StLa Jolla CA 92037Office (858) 729-5023Cell (858) 352-8192dottiestanleymorganstanleycomwwwmorganstanleyfacomdottiestanley

Dottie Stanley

With 25 years of experience in the financial services industry I pride myself in executing and delivering superior service to my clients My expertise in matching investments and financial solutions to clientsrsquo goals and needs has won me their trust and commitment

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Financial Advisor Vice President

101 W Broadway San Diego CA 92101Direct (619) 544-6516Toll-free (800) 228-9505alejandrovallemscom

Alejandro Valle

With 28 yearsrsquo experience in international banking and wealth management Alex proudly offers advice tailored to clientsrsquo cross-border needs throughout California and Mexico including Spanish-speaking clientele

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

International Wealth Advisor

8313 La Mesa BlvdLa Mesa CA 91942Office (619) 644-1277daniellestantonlplcomwwwlplcomdaniellestanton

Danielle DeMarce Stanton

We have built a reputation for providing the highest level of personal service while working toward meeting the needs and goals of our valued clients

Member FINRASIPC

Registered PrincipalGEPC

101 W Broadway Ste 1800San Diego CA 92101 Phone (619) 238-6223williamsrobinmscom wwwmorganstanleyfacomwilliamsrobin

Robin Lennon Williams

Specializing in the needs of women and non-traditional households Robin is an Accredited Domestic Partnership AdvisorSM

Certi ed Financial Planner Board of Standards Inc owns the certi cation marks CFPreg CERTIFIED FINANCIAL PLANNERtrade and federally

registered CFP (with ame design) in the US Investment Management Consultants Association Inc owns the marks

CIMAreg Certi ed Investment Management AnalystSM (with graph element)reg and Certi ed Investment Management AnalystSM

copy2014 Morgan Stanley Smith Barney LLC Member SIPC

Vice President Financial Advisor CFPreg CIMAreg CLUreg CRPCreg

Two-Year

Winner

11545 W Bernardo Ct Ste 300San Diego CA 92127Phone (858) 674-3744Toll-free (800) 223-3843williamhollowaywellsfargoadvisorscom

William M Holloway

William has been managing portfolios for more than 28 years He has been awarded the Private Investment Management (PIM) designation that only a select few at Wells Fargo Advisors attain

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 1113-03158]

Vice President ndash Investment Officer

Two-Year

Winner

What matters

most is how you

recover from

setbacks

mdash Five Star award winnercopy Five

star P

rofes

siona

l

copy Fivesta

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FSbull29

SPECIAL ADVERTISING SECTION 2014 F

ive S

tar Acco

un

ting

and

Estate P

lann

ing

Pro

fession

alsmdash

ww

wfivestarprofessionalcom

Five Star Accounting and Estate Planning Professionals

How do you find an accounting or estate planning professional with experience who has a good base of cl ients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients

S a n D i e g o M a g a z i n e a n d F i v e S t a r Professional partnered to find accounting

and estate planning professionals who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this year rsquos award-winning certified public accountants is more than 97 percent Meanwhile our winning estate planning attorneys clock an average of 78 percent of their hours as billable

The 2014 Five Star Certified Public Accountants and Estate Planning Attorneys are a select group representing less than 5 percent of the certified public accountants and 4 percent of the estate planning attorneys in the San Diego area

Although this list is a useful tool for anyone looking for help with accounting or managing their estate it should not be considered exhaustive Undoubtedly there are many excellent accounting and estate planning professionals who for one reason or another are not on this yearrsquos list Self-nominations for this award are not accepted San Diego award candidates were identified using internal and external research data

AWARDA Select

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2014 Five Star Certified Public Accountants or Estate Planning AttorneysOF AWARD WINNERS

Determination

Regulatory ReviewAs defined by Five Star Professional the accounting or estate planning professional has not

bull Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumer complaint processbull Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each candidate Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists

bull Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history based upon the criteria listed abovebull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winnerbull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the

opportunity to submit complaints regarding a potential winner More than 12500 households in the San Diego area were contacted

Eligibility Criteria ndash Required1 Credentialed licensed attorney 2 Actively employed as a credentialed professional in

the estate planning services industry for a minimum of five years

3 Favorable regulatory and complaint history review 4 A minimum of 50 percent of practice focus on estate

planning services 5 Accepting new clients

Evaluation Criteria ndash Considered 6 Number of transactions in last 12 months 7 Number of client households served 8 Industry and board certifications 9 Education and professional designations 10 Pro bono activities

Estate Planning AttorneysEligibility Criteria ndash Required 1 Credentialed Certified Public Accountant (CPA)2 Actively employed as a credentialed professional in

the accounting services industry for a minimum of five years

3 Favorable regulatory and complaint history review4 Accepting new clients5 Spend more than 50 percent of their time on taxation

or other accounting services

Evaluation Criteria ndash Considered6 One-year client retention rate7 Five-year client retention rate8 Number of clients served9 One-year billing realization rate10 Educat ion and profess ional des ignat ions

certifications

Certified Public Accountants

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2014 Fiv

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wfivestarprofessionalcom

SPECIAL ADVERTISING SECTION

2014 Fiv

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Research Disclosuresbull Accounting and estate planning professionals do not pay a fee to be considered or placed on the final list of Five Star Certified

Public Accountants or Five Star Estate Planning Attorneys Once awarded accounting and estate planning professionals may opt to purchase additional profile ad space or related award promotional products bull The Five Star award is not indicative of an accounting or estate planning professionalrsquos future performance bull The inclusion of a accounting or estate planning professional on the Five Star Professional list should not be construed as an endorsement of the professional by Five Star Professional or San Diego Magazine bull 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 go to wwwfivestarprofessionalcom bull 179 award candidates in the San Diego area were considered for the Five Star Certified Public Accountant award 8 (approximately 5 percent of the award candidates) were named 2014 Five Star Certified Public Accountants bull 132 award candidates in the San Diego area were considered for the Five Star Estate Planning Attorney award 4 (approximately 4 percent of the award candidates) were named 2014 Five Star Estate Planning Attorneys bull The award methodology does not evaluate the quality of services provided

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Award winners listed by primary services and listed alphabetically by last name

AccountingJesse Burack Burack amp Company

Daniel Dubina Dubina amp Lee CPA

Lowell Foster Lowell Foster CPA

Michael Gerstein Michael Gerstein CPA

Stephen Hawkins J Stephen Hawkins amp Company CPA

Salvatore Lamanna Lamanna amp Lamanna CPA

Toni Leadingham Toni M Leadingham CPA

Scott Lyons Lyons Accountancy Group

Estate PlanningMichelle Graham McKenna Long amp

Aldridge

S Andrew Pharies DLA Piper

Margaret Sandke Law Offices of Margaret Tami Sandke

Harold Small Law Offices of Harold S Small

J Stephen Hawkins amp Co CPAs350 Tenth Ave Ste 1000San Diego CA 92101Office (619) 344-2590stevehawktaxcom

J Stephen Hawkins

J Stephen Hawkins amp Co CPAs emphasizes tax planning and preparation for businesses and high-net-worth individuals Mr Hawkins is also a Certified Fraud Examiner and Certified Forensic Accountant He is frequently engaged as part of the criminal defense team in tax fraud cases

CPA CFE CrFA

Looking for Other Great Professionals

Professionals interested in learning more about Five Star Professional please call (888) 438-5782

Go to wwwfivestarprofessionalcommiddot Wealth Managersmiddot Certified Public

Accountantsmiddot Estate Planning

Attorneysmiddot Dentists

middot Real Estate Agentsmiddot Mortgage

Professionalsmiddot HomeAuto Insurance

Professionalsmiddot Health and Wellness

Success requires

patience discipline

and diligence

mdash Five Star award winner

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