Focus on Finance
> Is Your Money making you Mad?
It doesn’t take a rocket scientist to know times are tight and it’s time to keep an eye on your finances. Locally, there are several professionals who have weathered previous storms and are equipped to help you make the best decisions for your circumstances. Turn the page to meet them.
UBS Financial Services Inc.
> First Vice President – Investments
> Vice President – Investments
> Client Service Associate
> Senior Vice President
23 B Shelter Cove Lane
Hilton Head Island, South Carolina 29928
Marc, a former Marine Corps Officer, began his career in the financial services industry as a Financial Advisor with Robinson Humphrey on Hilton Head in 1984. In 1990 he then joined AG Edwards & Sons, serving as Branch Manager and a Financial Advisor in their local office. Marc joined UBS in 2001, serving as the original Branch Manager and is currently serving as a Financial Advisor in the Hilton Head Island branch. He lives with his wife Joan and two sons in Spanish Pointe.
David attended the University of Pittsburgh, earning a dual degree in Business and Economics. He began his career with Fidelity Investments in 1998 and in 1999; he joined UBS Financial Services, Inc. in Charlotte, NC. David moved to the Hilton Head Island office in 2002, when the Stuckart Ruckno Wealth Management Group was formed. He, his wife Kelly, son Alex and daughter Emily live in Spanish Wells.
Tom joined Metropolitan Life in Akron, OH upon graduation from The University of Akron in 1970. Tom has been a Financial Advisor, Branch Manger, Regional Director and Senior Vice President with the firm. He joined UBS in 1984. Moving to Hilton Head Island in 2002 with his wife Marilyn, Tom acted as Branch Manager for the local office until just last year.
Carrie has been involved in the financial services industry for over 8 years. She joined the Stuckart Ruckno Wealth Management Group in 2004 as its Client service Associate. Carrie is responsible for all administrative support for the clients of the group.
The Calibogue Group at Smith Barney
R. Ty Cook, Jr.
> Senior Vice President –Wealth Management
William A. Bridgers
> Vice President – Wealth Management
> Financial Advisor
Kevin P. Courtney
> Financial Advisor
Janet S. Williams
> Vice President – Wealth Management
600 Main Street
Hilton Head Island, South Carolina 29926
Buy a straw hat in the winter time. Don’t put all of your eggs in one basket. Fail to plan or plan to fail.
These sayings echo throughout the offices of the Calibogue Group at Smith Barney. This group of active Financial Advisors will be the first to tell you that these saying are not new, or unique – but that they stand as old adages for a reason and are at the heart of their investment philosophy.
Financial Advisors R. Ty Cook, Jr., William A. Bridgers, Jennifer Stupica, Kevin Courtney, and Janet S. Williams make up the Calibogue Group at Smith Barney. As a group they share a stated mission to help enhance their client’s ability to enjoy the fruits of their labor; giving them more time to focus on the priorities that truly fulfill their lives.
When you sit down to talk with these advisors, they are quick to tell you that they have tremendous respect and appreciation for their clients who have expended years of service and efforts creating their wealth. The group thrives on the uniqueness of their clients but finds that ironically most share the three same issues, asking the questions “How can I maintain my present lifestyle throughout retirement? I am working hard (or have worked hard), but is my money doing enough for me? and How can I provide for and protect myself and my family?
As hospitable as they are professional, with a combined 89 years plus of experience, the group is quick to offer you a cup of coffee right along with a financial plan. You can find the Calibogue Group at www.fa.smithbarney.com/caliboguegroup or at 600 Main Street; Hilton Head Island.
©2008 Citigroup Global Markets Inc. Member SIPC. Smith Barney is a division and service mark of Citigroup Global Markets Inc. and is used and registered throughout the world. Citi and Citi with Arc Design are trademarks and service marks of Citigroup, Inc. or its affiliates, and are used and registered throughout the world.
The views expressed herein are those of the author and do not necessarily reflect the views of Smith Barney or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past performance is no guarantee of future results.
Harbour Light Wealth Management
> Managing Partner
ChFC®, CLU®, AIFA®, CEP®
29 Plantation Park Drive, Suite 803
Bluffton, SC 29910
James Lockhart, ChFC®, CLU®, AIFA®, CEP® and Robert Star are Partners and Founders of Harbor Light Wealth Management, an independent Wealth Management firm located here in Bluffton, SC. The firm focuses on wealth protection, asset allocation, and wealth transfer.
Mr. Lockhart worked for BB&T Bank, SunTrust Bank and John Hancock Financial Services where he did complex planning that included; trusts, investments, insurance, estate planning, retirement planning, business succession planning, qualified plan management, real estate, treasury services, and banking. Mr. Star moved to the lowcountry from New York where he worked for Merrill Lynch, UBS, Deutsche Bank and was a Partner and Chief Operating Officer at The Benchmark Company. He has unique industry experience as both a Financial Advisor and working with Wall Street’s largest hedge fund and Institutional asset managers. The two partners combined their experience to create a full service investment, insurance, estate and tax planning firm.
Their philosophy is simple. They work with you to identify your goals and provide comprehensive recommendations that will decrease your volatility, decrease your taxes and increase your returns.
People often confuse asset management or financial management with wealth management. Asset management is only one important component of a larger tapestry of total wealth management. By working closely with the Partners of the firm you will receive the personal dedication of a team of professionals who are there for you in even the most unique situations. Their clients have access to the best estate attorney’s in the country, Institutional money managers, CPA’s, high level insurance strategies and alternative investments.
Most of their clients are looking for stability in their portfolios. In addition to stock and bond strategies their clients can access institutionally managed Direct Participation Programs that are not correlated to the volatile markets. This investment strategy has consistently met their clients need for income, preservation of capital and growth.
James L. Van Groun, LLC, Certified Public Accountant
James L. Van Groun, LLC
> Certified Public Accountant
James Van Grouw is a Certified Public Accountant located in Bluffton, SC. Jim has an extensive background in creating tax saving solutions for high net worth individuals and business owners. His experience working for several CPA firms in New Jersey and as a Controller for a privately held corporation has provided Jim the experience necessary to provide his clients with the services of a personal CFO.
In order to provide a broader range of services, Jim expanded his practice by joining the Private Wealth Group of Harbor Light Wealth Management. In addition to providing services of a traditional CPA practice, Jim now counsels his clients on financial and estate planning strategies with a team. Jim’s clients have greatly benefited from the use of investment alternatives that are not correlated to the volatile stock and bond markets.
By reallocating portfolio’s into Direct Participation Programs in institutionally managed commercial real estate, equipment leasing and oil and gas programs to decrease volatility, decrease taxes and increase the income from their portfolios. This synergy of investment, tax, estate and insurance planning enables his clients to achieve their wealth preservation and growth objectives and minimizing their overall tax burden. Jim and the Wealth Management team have relationships with the country’s premier estate planning attorney’s and insurance consultants to audit existing estate plans. Jim has found that the majority of estate plans have significant deficiencies and as a part of his services he will work closely with his clients to offer wealth transfer techniques that minimize estate taxes. He has found that by focusing in on tax management you can greatly increase your portfolios returns. His philosophy is straight forward, “it’s not what you make, it’s what you keep”.
FIRST COMMAND FINANCIAL SERVICES
DREAM BOLDLY. Plan confidently.™
Michael Fleischbein, CLU®
> Financial Advisor
917 Bay Street, Suite 202
Beaufort, SC 29902
Jennifer Thompson, CFP®
> Financial Advisor
2 Corpus Christie Place,
Suite 200, The Professional Bldg.
Hilton Head Island, SC 29928
With a troubled economy in the news and uncertainty in the air, it’s only natural to wonder if the American Dream—for financial well-being today and a secure tomorrow—is still possible. First Command Financial Advisors Michael Fleischbein, CLU®, and Jennifer Thompson, CFP®, believe it is. Because for 50 years, First Command has provided the thoughtful financial planning and advice to help its clients confidently pursue their dreams through even the most turbulent times.
Michael and Jennifer bring deep knowledge of financial planning and long experience in financial services, developing comprehensive, personalized financial plans with strategies for long-term investing, retirement income planning, education funding, asset management and more — supported by a wide array of investment, insurance and banking products and services.
There’s no more important time or greater opportunity to invest in a plan for your future than the present. First Command can show you how, starting with a complimentary meeting to identify what’s important to you. Call and share your dreams with a trusted First Command Financial Advisor today.
©2008 First Command Financial Services, Inc., parent of First Command Financial Planning, Inc. (Member SIPC, FINRA) and First Command Bank (Member FDIC / Equal Housing Lender). Financial planning services and investment products, including securities, are offered by First Command Financial Planning, Inc. Insurance products and services are offered by First Command Financial Services, Inc. Banking products and services are offered by First Command Bank. In certain states, as required by law, First Command Financial Services, Inc. does business as a separate domestic corporation, and does business in California as “First Command Insurance Services.” Securities products are not FDIC insured, have no bank guarantee and may lose value. A financial plan, by itself, cannot assure that retirement or other financial goals will be met.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.