Wealthmanagementisafieldwherecreativeand
strategicbusinessleadersareinvolvedin findingtherightfinancialsolutionsforclients. Andthevaluewomenleadersbringintheindustryis praiseworthy.Theirleadershipqualityoflearningand adaptingtothesituationsandprovidingthebestsolutions fortheteamaswellasclientsdevelopanenvironmentof growth.
Whatdifferentiatesthemasaleaderisthattheybringa compassionateapproachtotheindustry Theydonotwant toputanyoneatfinancialrisksandthus,thinkofallthe possibilitiesinsolvingcomplexissuesrelatedtofinancein wealthmanagement.
Theyembracethepoweroftechnologyanditsimpacton thewealthmanagementindustry Theyalsofacesetbacks butalwaysdecidetogiveitatry,whichiswhytheyarean importantpartoftheindustrytoday
Today,wearewitnessingmoreandmorebusinesswomen, notjustinwealthmanagementbutindifferentindustriesas well.Theyexemplifywhatwonderseffective communicationcando.Theirworkreflectstheirpassion, perseverance,andpurpose.Theyenjoytheirentrepreneurial journeyandcaredeeplyaboutgivingback.Whilesettingan examplefortheupcominggeneration,theyencourageother womentojointhisindustry.
Overall,itistheircommitmenttobuildingrelationshipsthat bringthebestforthecompanyaswellasclients.Today, theyaremakingthemselvesacreativeandstrategicforceof theindustrybystayingaheadofthecurve.Theyare
bringingnewperspectivestowealthmanagement thatcarrythepotentialtochangethestatusquoof theindustry.
Withanintenttoacknowledgeandadmirethe significantcontributionsofsuchwomenleadersin thewealthmanagementindustry,InsightsSuccess hascompiledalistofThe10MostEmpowering WomenLeadersinWealthManagement,2021.
FeaturingonthecoverisLisaLaddsDoche.Lisa hassignificantlycontributedtothewealth managementindustrybyhelpingindividuals, families,andbusinessesmakepersonalizedfinancial decisionsabouttheirfuture.Currently,sheservesas aManagingDirectorattheDocheFinancial ConsultingGroupwithBairdPrivateWealth Management.Asacomprehensivewealthadvisor, sheprovidesanexperiencedapproachtoinvestments andtheplanningprocessandbrings39yearsof extensiveexperienceinfinancialservicestothe table.
Youwillalsogettoseemoreofsuchwomen entrepreneurswiththeirbusinessjourneysinsidethis edition.
Lastly,donotforgettoreadthecreativearticles writtenbythein-houseeditorialteam.
Let'sCashin!
sourabh@insightssuccess.com Sourabh More
ChristinaYuni WealthManagement Advisors
UBSWEALTH MANAGEMENT ubs.com
MerrillLynch WealthManagement ml.com
JeniferSapel CEO/President
UtorWealth utorwealth.com
JoEccles
Founderand ManagingDirector Eccord eccord.com
LisaLaddsDoche ManagingDirector
LizMiller President
MargauxFiori CEO
BairdFinancial Advisors rwbaird.com
SummitFinancial Advisors summitplace financial.com
FioriFinancialGroup fiorifg.com
NancyWeinga
Founderand ManagingDirector
Weingard WealthManagementRaymondJames raymondjames.com
SharonKlein ManagingDirector
VanessaMartinez
ManagingDirector andPartner
WILMINGTON TRUST wilmingtontrust.com
UBSGlobalWealthManagementprovidescomprehensive advice,solutionsandservicestowealthyfamiliesand individualsaroundtheworld.
MerrillLynchWealthManagementisoneofthelargestwealth managementbusinessesintheworld.
UtorisacomprehensiveFinancialPlanningfirmthathelpsits clientswithhowtousemoneyasatooltobuildalifethatis bothmeaningfulandenjoyable.
Eccordunderstandswhatdrivesvalue,anin-depthknowledge ofthenuanceddifferencesofeacharea,andprovenexpertisein acquiringandmanagingproperties.
Bairdservesasatrustedfinancialpartnertoindividuals, corporationsandinstitutionsaroundtheworld.
SummitFinancialAdvisorshelpsyouachievefinancialwellbeingatthemostpersonallevelandwedothisonlyforaselect groupofclientswhohaveoutgrownmass-marketfinancial institutions.
FioriFinancialGroupstruckstheperfectbalanceaspartners whenitcomestocreatinganeffectiveandprofessional financialmanagementbusiness.
RaymondJamesFinancial,Incprovidesfinancialservicesto individuals,corporationsandmunicipalitiesthroughits subsidiarycompaniesengagedprimarilyininvestmentand financialplanning.
WilmingtonTrusthasbuiltdeepandlastingrelationships,put theclientsfirst,andprovidedinnovativeadviceforcomplex situations.
THE
GROUP lerner.hightower advisors.com
TheLernerGrouprepresentsover150yearsofcombined wealthmanagementexperienceandhasaprofound understandingofthefinancialandeconomiclandscape.
FeaturedPerson
Lisa Ladds Doche Managing Director
The Doche Financial Consul ng Group
Robert W. Baird & Co. Incorporated
Committed to Providing a High Level of Professionalism and Personal Service to Investors
People are all different, and you must be capable and confident moving through all the circumstances that day brings.
Itdoesn’tcomeasanysurprisethatthefinancial
marketshaveundergonerapidevolutiongiventhe advancementsandinnovationsinvarioussectors, wealthmanagementbeingasignificantone.
Fuelledbyanexplosivegrowthinmutualfunds,investment management,insuranceplanning,financialplanning,and more,wealthmanagementhasseendrastictransformation andispavingthewayforall.Manynewplayershave enteredthemarketwithstate-of-the-artfinancialsolutions. Behindthese,thereareingeniousmindswhoaredrivingthe changeintheindustry
Additionally,thewealthmanagementindustryhasbeena historicallymale-dominatedindustry,whichisn’tthecase anymore.Itisevidentthatwomencanofferaunique approachtoworkingwithclientsandmanagingtheir wealth.Womenhavealwaysworkedtoempowerothersto takecontroloftheirfinances,andthisaptitudeishelping shapeanewwaytothinkofwealthmanagement.
Amongstthosewomen,onesuchtrailblazerisLisaLadds Doche,whohassignificantlycontributedtothewealth managementindustrybyhelpingindividuals,familiesand businessesmakepersonalizedfinancialdecisionsabout theirfuture.LisaservesasaManagingDirectoratthe DocheFinancialConsultingGroupwithBairdPrivate WealthManagement.Asacomprehensivewealthadvisor, sheprovidesanexperiencedapproachtoinvestmentsand theplanningprocess.Shebrings39yearsofexperiencein financialservicestothetable.
We,atInsightsSuccess,caughtupwithLisatounveilher entrepreneurialjourney,herviewpointtowardsthewealth managementindustry,andherroleasfoundingpartnerof theDocheFinancialConsultingGroup
Lisaneededajobtogetherselfthroughcollege,andthere wasasixmonthwaittobeabanktellerinLubbock,TX! Asaresult,sheendedupwithajobataregionalbrokerage firmcalledSchneider,Burnett&Hickmanastheassistant tothebranchmanager.Becauseitwasasmallerfirm,she wasabletogetgreatexposuretotheoperationsand servicesofthefinancialindustry.Meanwhile,shestudied andpassedtheFINRAseries7,hersenioryearatTexas TechUniversity,andheadedtoAnchorage,AKtoworkin theSearsstorewithDeanWitterReynoldstrainingprogram in1984.Shewasayoung,professionalwomanonthe AlaskaFrontier.ShehasalsoattendedtheRenaissance CharitableGivingInstituteinIndianatodeepenherclient guidanceinestateplanningandcharitablegiving.
LisaformedtheDocheFinancialConsultingGroupwith RonDemersandMaggieLoe.Shebelievesthatthekeytoa long-termsuccessfulrelationshipiskeepingtheclient involvedinthiscycleofplanning,implementation,and monitoring.Recently,theDocheFinancialConsulting GroupjoinedBaird,aprivatelyheld,internationalfinancial servicesfirmwithofficesintheUnitedStates,Europe,and Asiaandmorethan$300billioninclientassets.Formore than100years,Bairdhashelpedfamilies,individuals, publiclyfundedentities,corporations,andinstitutional clientsachievetheirfinancialgoalsacrossgenerationsand changingmarketenvironments.
Ascomprehensiveadvisors,theDocheFinancial ConsultingGroupprovidesanactiveapproachto investmentsandtheplanningprocess.Itspracticefocuses onboththeclient’sfinancialpositiontoday,aswellason theirfuturefinancialexpectationsandobligations.
Theteamdevelopssolutionsandexplainsthemwith understandingandtransparencyutilizingalltheresources ofBaird.Thegrouphelpsbuild,manage,preserve,and
transitionwealthusingtheFourCornerstonesofWealth Management: Investments, Liability Management, Risk Management, and Estate Planning Strategies.
Lisa’sideaofimpactfulleadershipliesinKingSolomon’s PhilosophyinWisdomandWealth: “You are only as smart as the people you surround yourself.” Supportedbyan employee-ownedfirm,shehascreatedauniquecultureat DocheFinancialConsultingGroupbuiltonitsfounding principles of integrity, transparency, teamwork and always keeping clients first.
Ifyouareapartofthewealthmanagementindustry, gainingexperienceandconstantlearningareparamount. Lisaasserts, “Working with families and business through life stages provides invaluable experience to carry into other similar experiences. At the same time, history does not repeat itself. You must stay on top of trends and products that are constantly evolving globally. The markets are more than just the United States. You must develop solutions with this in mind and explain them with understanding and transparency.”
TalkingaboutRobertKiyosake’s“PowerfulPresentations” seminar,shesaysthatittaughthercommunicationskills thathavepavedthewayforhersuccess. “This is a people business, and you must be able to communicate and listen effectively,” sheadds.
Unlike some advisors, our planning cycle is active, not passive.
Acompany’sculturedefinesalltheaspectsofitsbusiness. Statingtheimportanceofpositiveworkculture,Lisasays “We cannot go it alone, even independents need firm affiliations to execute their trade. With better execution comes better outcomes. So, to thrive, and have your clients thrive, choose your firm platform carefully.” AtBaird,she findsaculturethathelpsherandherteamthrive.Moreover, Baird’scommitmenttobeinga greatplacetoworkhelps Lisaandherteamattractandretainexceptionalpeoplefrom acrosstheirindustry,ensuringthequalityandcontinuityof theiradviceandservicefortheirclients.
Sharingherviewsonthepandemicsituation,Lisaopines thatthepandemicforcedfamiliestoreassesswhatwas importanttothembothpersonallyandfinancially. Accordingtoher,theseshiftsinprioritieswilldrivethenew developmentswithinthewealthmanagementindustry.She isnotconvincedthatvirtualmeetingswilleverreplace directdealingswithclients,asworkinvolvedispersonal.
ButthereisatechnologyandAIrevolutionthatwasthrown totheforefrontwiththepandemic.Shebelievesthatthe firmsthatarethemostresponsivetotheirclient’sneedswill thrive,andthoseout-of-touchwillstruggletodeliver meaningfully
InLinewithBaird’sownphilosophy,Lisabelievesthat peopleneedtogivebacktotheirfamily,totheirprofession, andtotheircommunity.
Fordecades,LisaservedonBoardssuchasRotary,Big Brother,BigSisters,UnitedWay,CaveCreekUnified#93 SchoolBoard,andsoforth.Itwasinvaluable,becauseit takesthiskindofservicetounderstandwhatgoesinto “makingacommunity”.
Shetooksometimeawaytofocusongettingherkids transitionedtocollegeandontheirown,whichshealso thinkswasimportantasaworkingMom.“Thereisservice tofamilyandtherearetimesthisneedstobeapriority,”she feels.
Professionally,Lisabelievesifyoufindyourselfatthetop, youhaveamoralobligationtoworkwiththosefollowingto besuccessful.Nowshetendstofocusmoreon“project” serviceasopposedtoboardservicebecauseshehasmore controlonwork-lifebalance.
Lisaisoftheopinionthatinthecomingyearsmanyofour youngerinvestorswillbeleftbehind!Shementionsthat withtherecentClientRelationshipandRegulationBest Interestlegislation,mostwire-housesaretakingtheposition thattheycannotaffordtoworkwithsmaller(upand coming)householdsinafulladvisorycapacity This generationwilllikelyexperienceflattermarketsdueto globalizationoftheindustry,alongwithlowerinterestrates forlonger.
PairedwithstymiedwagegrowthintheU.S.,theseyounger investorsneedadvicemorethanevertoeffectivelynavigate theirfinancialpaths.InLisa’sopinion,theyarebeing forcedintorobo-advice,asanunintendedconsequenceof thelegislation.Theirinvestmentsuccessishangingon6-7 questionsperaccountwithnocoordinationtotheiroverarchinggoalsasafamilyorbusiness,andtheirliveswillbe dictatedbytheperformanceofthoserandomaccounts.As opposedtohavingaplan,andtheninvestingtodrivethe
successofthatplanwithpurpose.Havingmoreaccessto professionaladvicecouldmakeadifferenceintheir outcomes.
Inheradvicetotheupcomingwomenentrepreneurs aspiringtoenterthefinancialservicesindustry,shesays, “Women make the best financial advisors because we are natural caregivers. But you must do it within business protocols to be successful. You need to be able to look people in the face, as opposed to deflecting your eyes downward which is more natural for women. Pick your head up, chest out, march in, and do business… and business will come to you.”
TheDocheFinancialConsultingGroup,hascloseto69 yearsofcollectiveexperience.Thisdoesnotincludethe extensivesupportandresourcesithasthroughtheinternal expertsandwealthmanagementspecialistswithinBaird. BecauseBairdisemployeeowned,everyonesharesa personalstakeinthesuccessesLisaandherteamhelp createfortheirclients.Beingprivatelyheld,Bairdlets themplanandactintheirclients’long-terminterests withoutthedistractionsthatcancomewithoutside shareholders.
Lisastronglybelievesthatsheandherteamaregrowing tomeetthedemandsforthekindofcomprehensive servicesandwealthmanagementadvicetheyprovidefor theindividuals,multigenerationalfamiliesandbusinesses theyserve.Theywillcontinuetoaddexpertisetothe team,andBaird’scounter-cyclicalmixofcorebusinesses broadenstheircapabilitiesforclientsanddiversifiestheir sourcesofrevenue,providingfinancialstrengthand stabilityacrossmarketenvironments.
“Together, we will have a hand in shaping the direction of our industry,” Lisaconcludes.
RobertW.Baird&Co.Incorporated
AccordingtoareportcitedbytheOppenheimer funds,womenhavebeenestablishingnew businessesattwicetherateofmenintheUSalone. ThisyieldsmorethanUSD1.4trillioninrevenueannually. Theabovestatisticaldataisenoughtoimaginethekindof potentialthatisbeingcreatedbywomeninthewealth industry Thefaceofthewealthmanagementindustryis changinginmorethanonewayaswomentaketheleadin differentsectorsoftheeconomy
Followingaresomeoftheaspectsinwhichthewealth managementindustryischanginggraduallyto accommodateandrepresentmorewomeninwealth advisorymanagetheincreasingnumberofwomenclients acquiringandinheritingwealth–
It’snosurprisethatasmorewomenaregettingeducated andholdingdownjobsinpossiblyallsectorsofthe economy,theyarealsobecomingmajorshareholdersinthe totalityofthewholeworld’swealth.Womenareacquiring moreandmorefinancialpower,bothatworkandhome,as
theyleadinbothterritories.AreportbytheBoston ConsultingGroupsuggeststhatby2030,almosthalfofthe USA’swealthwillbeheldbytwo-thirdsofthecountry’s women,East/SoutheastAsiaandEurope,showsimilar trends.
Withwomenofallagesandsocialbackgroundstakingup leadershiprolesathomeandwork,theyarespeedily acquiringfinancialwealth,whichalsoneedstobemanaged well.Whoelsewouldhaveabetterperspectiveon managingwealththanwomenthemselves?Womenare graduallyenteringthewealthmanagementsectorand bringingamuch-neededtransformationintheindustryto bettersuitwomen’sconcerns.
Astaggeringone-thirdoftheworld’swealthiscontrolled bywomen.Thisisaverylargenumber,whichmeansthere isabundantscopeinthiscompellingsegmentofthe populationthatholdssuchalargechunkofthetotalworld’s wealth.Women’sneedsandrequirementsareuniquetothat ofmen,anditisimportanttorecognizethattoprovide wealthmanagementservicestothissectionofthe population.AreportbytheBCGsuggeststhatwomenare adding$5trilliontothewealthpoolgloballyeachpassing year
Thesenumbershighlightthegrowthofwomenacquiring wealthinalmostallpartsoftheworld,whichdrivesareal changeinthewealthmanagementindustrythatcaterstothe needsofwomen.
Tobringachangeinthewealthmanagementindustry,itis importanttorecognizethatwomenfocusongoal-based investing.Thesegoalscanbeanythingfromsettingfunds asideforanewbusinessventureorphilanthropiccausesor fundsfortheirchild’seducationtoplanningtheirlateryears whentheyfinallyretire.
Forthemostpart,womenlookforstrategiesthatwillbetter assurethemsecuritygiventheuncertaintyoftheeventsin lifeforwomen.Wealthmanagersshouldkeepthisessential pointinmindwhilemanagingwomen’swealthandplanto investconsideringthelowerrisktoleranceofwomen.
Ensuringgreaterreliabilitywhilestrategizingwomen’s wealthmanagementwillresultinasatisfiedclient.
Asaresultofthecenturies-longdeprivationofwomenfrom possessingwealth,thelackoffinancialliteracyinwomen professionalsandinheritorsisoneofthebiggestchallenges thatwealthmanagersfacewhiledealingwithwomen clients.Evenaswomenbecomemorefinancially independent,theystillhavealottocatchontotobe financiallyliterate.
Theonethingthatwealthmanagersneedtoworkonvery deliberatelyintheindustryis,educatingwomen professionalsandinheritorsabouttheirfinancialoptionsin acompassionateway.Sometimesfinancialconceptscanget dauntingtounderstand,andthisiswherecompassionwill playapartinbringingaboutarealfundamentalchangein thewealthmanagementindustry
Asitgoes,womenaremoreawareofthesocietalimpactof theirinvestmentchoices.Wealthmanagersneedto understandthisaspectwhilecreatinganinvestmentplanfor womenasthisshifthasacceleratedduringthepandemic, andwomen,alongwithyoungergenerations,aremaking responsibleinvestmentdecisionstodriverealchange.A targetonEnvironmental,Social,andGovernanceimpactto assessthecompatibilityofamonetaryproductforaclient willresultinasuccessfulwealthmanagementjourneyfor yourcompany’sclient.
Withmorewomenleadersventuringintothewealth managementindustrytobettermanagewealthforwomen, thedayisnotfarwhenwomenwillhavebetterfinancial literacyalongwithfinancialwealth.Thisobjectivecanbe achievedwiththehelpofwealthadvisoryfirmsguiding womeninbetterunderstandingthefinancialconceptsthat seemintimidatingtogaugeinitially.Lookingattheshifting trends,itwouldbeappropriatetomakeanepiphanythatthe futurelooksgreatforwomenventuringintothewealth managementindustry
Ourfinancialsystemiscomplex,butourpersonal
financiallivesdon’thavetobe.Byfocusingon systemsandstrategiesinsteadofproducts,anyone canhaveafinanciallysecurefutureregardlessoftheirlevel ofincome.Throughfinancialplanningadviceandimpact investing,JeniferSapelishelpingindividualswithhowto usemoneyasatooltobuildalifethatisbothmeaningful andenjoyable.
JeniferisleadingastheCEOandPresidentofUtor Wealth.Inourendeavortofind “The 10 Most Empowering Women Leaders in Wealth Management, 2021”, wecaught upwithJenifertounveilherentrepreneurialjourneyand howsheissignificantlycontributingtothewealth managementindustrythroughUtorWealth.
Below are the highlights of the interview:
Takeourreadersthroughyourjourneyandthe challengesyoucameacrossCEOatUtorWealth. IstartedatandspentmostofmycareerwithaFortune50 company.Makingthetransitionfromemployeeto entrepreneurwaschallengingandworthit.Learningthat beingafounderandCEOmeansthatforawhile,youmight weareveryhat,allthestrategicroles,andimplementor roles–forexample,theCFOandthebookkeeper.I’ma creativeandstrategicthinker,somybiggestchallengewas learningtoprioritizeprojects.Igotamazingadvicefrom DanaMalstaffofBossMomwhenshesuggestedgivinga benchmarktoeachproject.Forexample,Iwantedtostarta financialeducationbusiness;itwasabitofadistraction. Now,IhaveabenchmarkinmyFinancialPlanningpractice thattriggerspickingthatprojectbackupagain.
WhatopportunitiesdoyouandUtorWealthofferfor financialgrowthwithinvestmentsolutionsto IndividualsandCorporates?
Weexcelinthestrategicoverviewofourclient’sfinancial lifeandthenoffertacticalsolutionsthatalignwiththe largerobjective.It’salltoocommonthatpeoplegetexcited aboutaspecificproductoropportunitywithoutbeing groundedinastrategyfirst.Thatislikepackingfora vacationwhenyoudon’tknowwhatthedestinationis. Secondly,weloveourImpactportfolios.Theseportfolios oftenownthesameholdingsasatraditionalportfolio,but weusefundmanagerswhouseshareholderadvocacyand otherstrategiestoengagewiththecompaniesforamore sustainablefuture.
Whatisyourideaofimpactfulleadership?Whatstyleof leadershipdoyoupersonallypreferatUtorWealth? I’mabigfanoftheBreneBrownstyleofleadershipthat shedescribesinbothherPodcast,DaretoLead,andbook DaringGreatly.I’vebeenanoverachieverandavidreader mostofmylifeandhavetofightthe“know-it-all” tendencies.Asoneof4membersofthefirstAdvisor TeamingconsultantsatMetLife,Ilearnedthathigher qualityandbetter-adaptedsolutionscomefromaskingthe entireteamtocontribute.NowIspendthemajorityofmy LeadershipDevelopmentinlearninghowtofosterasafe andinclusiveenvironmentandaskinggreatquestions.
WhatmakesUtorWealthapreferredchoiceforyour clientsoverthecompetition?
Webelievethatthere’salotofgreatcompetitionoutthere andthatmanyofthemarebettersuitedforsomepeople thanweare.Ourclientsloveusbecausewegenerally maximizetheutilityofmoney(UtorisLatinfor:touse,to employ,toenjoy).Wekeepoursolutionsimpleandshow waysforhowtheycancontributetoasustainableworldin allfivewaystheyusetheirmoney:earn,save,invest,give andspend.
Takingintoconsiderationthecurrentpandemicandits impactonglobaleconomies,howareyoudrivingthe companytosustainoperationsandensuringthesafety ofyourassociatesandemployeesatthesametime?
Priortothepandemic,weweremeetingwith70%ofour clientsvirtuallyandonly30%inouroffice.Thepandemic forceda100%virtualmodel,whichissaferforourteam andourclients.Currently,allmembersofourteamare motherswholikeandneedtheflexibilitytomanagethe otherdemandsoflifeandhavevulnerablepeopleathome. Weseenoreasontoputanyoneatriskifitisn’tnecessary. Ourproductivityhasmaintainedandevenincreasedin severalmonths,andwelookforwardtonavigatingour optionsasthepandemiccontinuestounfoldandevolve.
Whatpeople,whatbooks,whatlifefactorshave influencedandimpactedyou?
Asmentionedbefore,I’mahugeBreneBrownfan.Ialso loveTaraMohrandherbookPlayingBig.Boththese womenhaveawayofpresentingwell-researchedideas, challengingthestatusquo,andofferingnotonlyadifferent perspectivebutalsoaforward-lookingpathfornavigating challenges.Likeeveryhuman,allofmylife’sexperiences haveimpactedwhoIamandhowIshowuponthisplanet. Mostnotably,myfinanciallyinsecureupbringing,Ientered thiscareerasawaytolivedifferentlythanhowIgrewup. I’veseenalotoflossinthelast5yearswithmultiple miscarriagesandthedeathsof2ofmyclosestfamily members.Theselosseshavegivenmetremendousclarityin myprioritiesandbrokenmyheartopentolovethe humanityandfrailtyinallofus.
Whatisyourthoughtonthenecessityforbusinessesto aligntheirofferingswithnewertechnological developments,especiallywhenitcomestoinnovative thinkingtosolvecomplexproblems?
Asamotheroftwounder3yearsold,it’salotoffunto
wonderwhattechnologyholdsfortheminthefutureand howourliveswillbedifferent.
Inbusiness,weloveandembracetechnologythat automatesrepetitiveprocesses,facilitateseasier collaborationonworkflows,andoffersconvenienceforour clients.Wefocusourhumancapitaldevelopmentonthings thatmachinesarenotcapableof–empathizingwithfearor offeringafewdifferentwaystolookatarecommendation.
Inwhatwayshaveyouorthecompanycontributedto thecommunity?Ifgivenachance,whatchangewould youbringinInvestmentplansforsolvingthemost complexfinancialproblems?
Whileourentireteamdonatesbothtimeandmoneyto causes,ourspecialtyinimpactportfoliosmakesalarger dentinsolvingcomplexglobalissueslikeclimatechange andequity.
Whatwouldbeyouradvicetotheup-and-coming womenentrepreneursaspiringtoventureintothe financeindustry?
Findanenvironmentwhereyouareconfidentyoucan thrive.Ispenttoolonginofficesthatweretoxicandlimited mypotential.
InvestmentadviceofferedthroughWCGWealthAdvisors LLC,aRegisteredInvestmentAdvisor. UtorWealthisa separateentityfromWCGWealthAdvisorsandTheWealth ConsultingGroup.
“Our portfolios are impact focused meaning, along with your nancial objectives, we invest to also make positive changes for the environment and humanity as well.”Jo Eccles Founder and Managing Director Eccord
Theriseoffemaleentrepreneursinthelastdecade hasgrownexponentially.Ittakessheerwillandan intricateunderstandingoftheindustryoneworksin tobecomealeaderthatinspiresothers.Onesuchleaderin theworldofhigh-endrealestateisJoEccles,theFounder andManagingDirectorofEccord
Eccordwasestablishedin2006tobringprofessional representationtobuyersofprimeresidentialproperty.Jo hasbeenleadingEccordforover15yearsandthecompany isnowconsistentlyrankedasoneofLondon’selitebuying agentsandmanagesover£1.5bnofprimeandsuper-prime propertiesinthecapital.
We,atInsightsSuccess,crossedpathswithJoEcclesin searchof'The10MostEmpoweringWomenLeadersin WealthManagement,2021,'Inthefollowinginterview, wegetadetailedinsightintoherjourneythusfar. Below are the highlights of the interview
Takeourreadersthroughyourjourneyandthe challengesyoucameacrosstillyourcurrentleadership positionatEccord.
IfoundedwhatisnowEccordbackin2006,so15years ago.Initially,wewereapurebuyingagencyspecializingin sourcinghomesandrentalinvestmentsincentralLondon, withmostofourclientsworkinginfinance,asthatwasmy background.
Overtime,however,ourclientbasehasexpanded considerably–whileourfinanceclientfollowingremains strongandweworkwithlotsofbankers,privateequity,and hedgefundleaders,wealsonowactforsportsandmedia personalities,RichListfamilies,andmanyprivateoffices. Clientdemandshavechangedandsohavemarket conditions,sowehaveexpandedourexpertisetodiversify thebusinessandmeetchangingneeds.
Forexample,inthewakeofthefinancialcrisis,therewas verylittlebuyingdemand,soouracquisitionteamstarted providingarentalandrelocationserviceinresponseto manyofourclientswantingtositoutthemarketandrent ratherthanbuy
Then,whenthemarketrecovered,manyofourrental clientsturnedintobuyingclients,plusweemergedfrom thosecoupleofyearswithahighlyregardedrelocation servicewhichwehavesincewonnumerousawardsforand isrelieduponbyglobalcompanieswhenrelocatingtheir VIPemployeesandfamiliestoandfromLondon. Overtheyears,wealsorespondedtodemandforhigh-end
propertymanagementservicesforrentalinvestmentsand, morerecently,privatehomes.Demandforourproperty managementserviceshasgrownconsiderablyandnow represents50%ofEccordrevenue.
Whatisyourideaofimpactfulleadership?Whatstyleof leadershipdoyoupersonallypreferatEccord?
Twoandahalfyearsago,Ispentthreemonthsdoingwhat wasalmostamini-MBAalongsiderunningEccord,andthat wasacatalysttorealizinghowimportantleadershipis, knowingwhatyoustandforasanindividualanda company
Sincethen,wehavespentagreatdealoftimebecoming reallyclearonwhowehire,whatourcompanyethosis,and theclientswerepresent.Weunderstandourreputationis everythingandourservicelevelsarewhatmakesusstand out,soattractingtherighttalentandleadingtheteamto sharethesamevaluesisimperativetokeepourservice levelsconsistent.It'ssomethingwe'recontinuously focusingonandalwaystryingtoimprove.
Intermsofmyownleadershipstyle,Iamverystraighttalkingandtransparent.EveryoneknowswhatI'm passionateabout,what'simportantforthebusiness,and wheretheystand.
Whatpeople,whatbooks,whatlifefactorshave influencedandimpactedyou?
Mylatefatherwasabiginfluenceonme;hewasincredibly hard-workingandbuiltaverysuccessfulcareerfrom humblebeginnings.Helovedproperty,somyloveforreal estatewasinstilledinmeatayoungage,andhealso
I think all life events shape you and I'm a firm believer that happens for a reason –every situation is an opportunity to learn and having a growth mindset is essential. You need to be open to feedback to improve as an individual, a team and a company.
‘‘
encouragedmysiblingsandmetofollowourpassionsand 'dowhatyoulove.’
Intermsofbooks,thebestoneIhavereadrecentlyis'Shoe Dog'byPhilKnight,thefounderofNike.Iabsolutelyloved it,andformeitperfectlycapturedthehighsandlowsof runningacompany,alongsidethesacrificeandsheer determinationthatgoesintomakingasuccess.Theapparent emptinessthatcamefollowinghisIPOwasverypowerful too.
IthinkalllifeeventsshapeyouandI'mafirmbelieverthat happensforareason–everysituationisanopportunityto learnandhavingagrowthmindsetisessential.Youneedto beopentofeedbacktoimproveasanindividual,ateamand acompany
Whatmakesyourorganization'sstrategyandfinancial adviceapreferredchoiceofyourclientsoverthe competition?
Londonresidentialpropertyasanassetclassisquite complexinthatithassomanylayerstothedecisionto investinit.Someclientsareentirelyinvestmentand numbersdriven,butmanyofourclientswillliveinthe propertiesweacquireforthem,ortheymaydesignatethem forpotentialfutureusebythemselvesortheirchildren.So, theenjoymentfactorneedstobeweighedupandcombined withexpectedreturns.
IntermsofEccordbeingappointedoverourcompetitors, ourtrackrecordisabsolutelycriticalandsetsusapart.Over thelast15years,wehaverepresentedprivateclientson morethan350acquisitions,andwemanagethelargest portfolioofrentalinvestmentsandprivatehomescompared toourpeers.Ourexperienceandthefactthatwecan source,acquire,rentout,runandmanageallofourclient's Londonresidentialassetscompletelyin-housewithan establishedbutboutiquesetupisextremelyimportantfor ourclientsandthefamilieswerepresent.
Whatwouldbeyouradvicetotheup-and-coming womenentrepreneursaspiringtoentertheinvestment advisoryworld?
Myadviceistogenuinelyliveandbreathetheassetclass you'reworkingwitheveryday Youneedthispassiontobe thebestinformed,havethebesttrackrecord,anddevelop realexpertiseandvalueadd.Also,clientrelationships shouldalwayscomefirst,inmyopinion–revenuewill naturallyfollowifyou'redoingagoodjob.Peopledo businesswithpeopletheylike,andaslongasyoumaintain integrityandputyourclientsfirst,demandwillcomeand clientswillremainloyal.
Toknowmore,youcanvisitwww.eccord.com and@joecclesontwitter
There’ssomethingtobesaidaboutthepeople,both menandwomen,whofeelthatawomancan’tdo certainthings.Onsecondthought,there’snothing tobesaidaboutthismentality.It’sallbeensaidbefore. Thesearerelicsofthepast,andweshouldjustleavethem inthepast.Atpresent,manywomenoccupythemost dignifiedrolesassomeofthetopthinkers,creators, entrepreneurs,educators,politicians,andworldleaders. Andtheyarejustgettingstarted.
Significantlymorewomenareearninggrowingprominence andpowerinthefinancialsector,particularlyintherealm ofassetmanagement.AccordingtotheBostonConsulting Group’s‘globalwealthreport’,womenownednearlyonethirdoftheglobalwealthin2016,andthatfactoris growingfast.
Wealthmanagementhasalwaysbeenamale-dominated field.Notonlyarementhegreatmajorityoffinancial counsellors(femaleparticipationisbarely15%across channels),butmenarealsosignificantlymorelikelythan womentomakefinancialdecisions.Menaretheprimary financialdecision-makersintwo-thirdsofaffluenthomesin theUnitedStates.This,however,isabouttochange. Femaleclienteleisbecomingincreasinglyimportantto privatebanks.Butonemightask,whatarethemain characteristicsanddistinctapproachpatternsthathave madewomenthenewfaceofthewealthmanagement arena?Howexactlyarewomencontributingtotheevolving dynamicsofthefinanceworld?
Letuslookatsomeofthecharacteristicsfromthearsenal oftheladiesinthewealthmanagementgameandbringinga compassionateapproachtothetable.
Peoplewhoareadeptatmultitaskingmustmaintain attentionanddisciplineinordertoavoidsuccumbingto temptationandengagingindistractionssuchasconversing withco-workersorcheckingsocialmediawhiledoingjob duties.But,perhapsmostsignificantly,andmaybe counterintuitively,multitaskingnecessitatesagreatdealof patience.
Accordingtoresearch,thefemalebrainisbetterinpatience andattention,justasthemalebrainisbetteratlearning capacity Thisindicatesthatwithpractice,bothmalesand girlsmaybecomegoodmulti-taskers,albeitfemaleshavea tinyadvantage.
Themortgageindustryistough.Evenwithrecordlow interestrates,purchasingahomeorrefinancingamortgage isbecomingmoredifficult,andsomeconsumeradvocates areconcernedthatthepandemic’saftermathwill disproportionatelyaffectthosewhohavethemosttolose. Theprospectofamortgagecausesthefeelingof helplessnessinmany.Butwiththegracefuland empathizingtouchoffemaleadvisors,theprocesscan becomeawholeloteasy.
Theinherenttalentsoftheladies,suchasabundant patience,highemotionalintelligence,exceptional communicationskills,andthehabitsoflisteningto everyoneandgivingthemanequalsayincrucialmatters, justmeanwomencannaturallyhumanizethemortgage industry.
Thenotionthatsomeonemustloseinorderforsomeone elsetosucceedhasbeendebunkedtimeandtimeagain.The word compassion,whichusedtoholdanegative connotationinabusinesssense,hasbeenturnedoverits head.Thefeminineperspectiveacknowledgesthat compromisingisaboutlisteningtotheotherperson, understandingother’sneeds,andthenfindingasuitable solutionaccordingly.
Thepsychologicalcommunityagreesthatfemalesare generallymoreinterestedinpeople,whereasmalesare generallymoreinterestedinthingsordevices.Morestudies showthatthefemaleperspectiveismoreinquisitive towardsotherpeople;moreopentopursuingknowledge aboutotherpeople’sfeelings,desires,goals,andneeds.All ofthesequalitiesmakeforthebestpeople-whisperers. Womenarejustbetteratdealingwithpeoplethanmenare, asageneralrule.
Itwouldbeclichétostatethatwomenare“makingnew pathsforthemselves”or“breakingtheceiling”,orsome bromideofthatsort.Therealityisthatwomenarealready thetopplayersofthewealthmanagementgame.
Womenmakeittothetoponthebasisoftheirskills,their competencies,theirexuberance,theirvitality,theirnevergive-upattitude,theiradaptability,anddevotiontotheir goals,aswellastheworkthattheylove.Theirfemininity onlyworksasanadvantage;Justrememberhowtheysport ahappy-go-luckysmilewhiletheytakethetopjob.
Havinganenrichingexperienceof30+yearsinthe financeindustry,LizMiller,CFP®,CFA,isthe epitomeofvisionaryleadership.Lizservesasthe PresidentatSummitPlaceFinancialAdvisors,LLC. BeforelaunchingSummitPlace,Lizheldincreasingly seniorrolesatdifferentfinancialserviceorganizations. HerteamatSummitPlaceoffersapersonalizedgoalorientedapproachtohelppeopleachievetheirfinancial objectives.Combiningherexperienceandexpertise,Liz hassignificantlycontributedtosimplifyingthefinancial livesofpeople.
InaninterviewwithInsightsSuccess,Lizshedslightonher professionaljourneyandhowSummitPlaceishelping peopleenjoycoordinatedfinancialwell-beingatthemost personallevel.
Below are the highlights of the interview:
Takeourreadersthroughyourjourneyasabusiness leaderuntilyourcurrentpositionatSummitPlace FinancialAdvisors,LLC.
Afteryearsofmanaginginstitutionalandindividualclient investmentportfolios,Iresignedmypartnershipatan investmentmanagementfirmthemorningLehmanBrothers declaredbankruptcyin2008.IlaunchedSummitPlacein themiddleofthefinancialcrisis,unsureifIwouldhavea businesstorunbytheendoftheyear.Butafterhearing moreandmorenon-investmentquestionsfrommyclients overtheyears,Ihadavisiontouniquelyadvisemultigenerationalfamiliesontheirinvestmentsandlegacygoals whilecoordinatingthebestadviceamongtheirother professionals.
Onesourceofoursuccessfulgrowthhasbeenmyvision thatthenichemarketofclientswith$5-$25Minassetshad out-grownthefinancialindustry’scookie-cutterapproachto clientsandwaslookingforcoordinated,holisticwealth expertise.Leadingastart-upfinancialservicesfirm,itis temptingtotakeoneveryclientthatislookingforan advisor,butIkepttomyvisionandheldtheteamfocused onourtargetclientswhereweknewwecouldoffer enormousvalue.Internally,weregularlydiscusswhatthat clientlookslikeandwhattheyseekinfinancialservices.
Also,fromthefirm’sbeginning,Ihadavisiontoinclude everygenerationofafamily,asIrecognizethatstrong relationshipswithyoungergenerationshelpassurefamily continuity,stewardship,andgeneralaccord.Longbefore theindustrymentioned“millennials,”wewereoffering themdedicatedserviceandadviceaspassionatelyaswedo fortheirparents.Thishasbeenasecondsourceofgrowth, asweconsistentlyseematuringparentslookingforafirm thatwillinclude,respect,and“educate”theiradultchildren.
Whatmakesyourorganizationapreferredchoicefor yourclientsoverthecompetition?
Weknowthatgenuinerelationshipsgrowovertime,and whencarefullybuilt,theycanlastgenerations.Thisisthe coreofourapproachtoclients.Unlikemanyfirmsthat assignhundredsofclientstoadvisorsandputgrowthas theirfirstannualbusinessgoal,SummitPlaceputs exceptionalclientexperienceasourtopgoal.Weare committedtomaintainingateamthathasthetimeeachday tothinkaboutourclients,whatishappeningintheirlives andtheirpotentialneeds.Wewanttoanticipatehowwecan helpbeforeourclientsreachouttous.
Werecognizethatthe bestwaytobuildyour uniquewealthstrategyis tofullyappreciateyour circumstances,concerns, andaspirations.Thatis whywebeginwithyou andyourgoals,never withproducts.
SummitPlacealsostandsoutinthecrowdedfinancial servicesindustrybytargetingagrowingandignoredmarket niche:thosewith$5-$25millioninwealthwhosefinancial complexitydemandsmorethanmass-marketsolutions.
Therearenowsomanymorerulesandlawsaroundtaxes andestateplanningthatmanyfamilieswithwealthhave becomeoverwhelmedtryingtounderstandandcoordinate allthefacetsoftheirfinanciallives.SummitPlaceoffers coordinatedfinancialservicesbasedonafullviewofour client’scircumstances.Wehelpclientsconsiderhowall partsoftheirfinanciallifeworktogetherandwecommunicatewithallappropriateprofessionals,sharingexpertise andbuildingvettedsolutionstopresenttoourclients.
Whatisyourideaofimpactfulleadership?Whatstyleof leadershipdoyoupersonallypreferatSummitPlace FinancialAdvisors,LLC?
Ibelieveimpactfulleadershipisastylethatleadseach memberofmyteamtoagreaterlevelofsuccessand satisfaction.Itfocusesontheendgoalsofthefirmwhile executingwithaneyetowardthedevelopmentof employees.Ileadwithindividualgoalsforemployeesthat encompassbothtask-orientedgoalsatthefirmaswellas professionaldevelopmenttowardtheemployee’sstated desires.
Ileadwithablendofanauthoritativestrategicvision marriedtoparticipatoryengagementandsupport.Ivalue collaborationandpositivethinkingandbelieveeachofmy employeesiscapableofmorethantheyyetrealize.Iam committedtohelpingthemgettherefortheirpersonalgood thatultimatelysupportsandservesthefirm.
Whatisyourthoughtonthenecessityforbusinessesto aligntheirofferingswithnewertechnological developments,especiallywhenitcomestoinnovative thinkingtosolvecomplexproblems?
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ownfinancialmanagementneedsattheirsite.Ouryounger clientsembracetheaggregationofcreditcardaccountsand budgetingwithintheirsite.Theyalsoenjoyhavingmobile accessontheirtabletsandphones.Thisimplementationhas enhancedclientmanagementfromourendaswell.Itused tobeacomplexandmanualprocesstogainafullviewof ourclients’financialassets.Today,wecanviewourclient’s fullfinancialpictureandintegratetheinformationintoother toolstodelivertrulypersonalizedsolutions.Thisiscritical forourcomplexclientelethatrelyonusforourunique perspectiveandexpertisetotheirfullwealthsituation.Now, weareabletomanageinvestmentstotheirinvestment policywithreal-timereviewsoftheirotherassets.
Inwhatwayshaveyouorthecompanycontributedto thecommunity?Ifgivenachance,whatchangewould youbringinInvestmentplansforsolvingthemost complexfinancialproblems?
Icaredeeplyaboutgivingback.Basedonourwork,we havebeenhonoredformorethanfiveyearsasthetop financialservicesfirminSummit,NJbasedonour outstandingservicetoclientsandthecommunity Additionally,Iserveontheboardofdirectorsofthe CertifiedFinancialPlannerBoardofStandards,Inc,helping tobringqualifiedandethicalfinancialplanningtothe broaderpublic.
Afewyearsago,Iestablishedamentoringprogramfor youngwomenenteringthefinancialservicesindustry.BE ME-BelieveEnvisionMentorEmpower-inviteswomen fromlocaluniversitiesintheirJunioryearthrough professionalsupto5yearsout.Wemeetvirtuallymonthly todiscusscareertopicsandsharesupportforeachother.I believethatdevelopingandsupportingamorediverse communityoffinancialprofessionalsisthesinglebiggest changeourindustrycanmaketosolveourfuture challenges.
Iamalsoanalumniinterviewerformyalmamatersharing myexperienceswithstudentsinterestedinPennand Wharton,andIamamemberoftheWomen’sPresident’s Organizationsupportingotherfemaleprofessionals.
Whatwouldbeyouradvicetotheup-and-coming womenentrepreneursaspiringtoenterthefinance industry?
Ibelievethatittakesmanydifferentcharacteristicstobe successfulinthefinancialindustry Thethingthatmaybe
mostimportant,inmyopinion,istheunderstandingthat lastingrelationshipsgrowovertime.I’vealwaysfelt committedtobuildingauthenticconnectionswithclients andprospectswhoprovidegrowthtothefirmandmy employeeswhocontributetoit.Secondly,thesedaysitis importanttoembracemediaoutletstobuildcredibilityand astrongpublicimage. Ibringattentiontomyexpertiseand SummitPlacethroughradioandtelevisionspotsand articles.Finally,Ibelieveyoumustbestrategictobea successfulfinancialleader.Notonlydoyouneedastrategy inplaceforyourfirmtoday,butwhereitwillbein5years andwhatbusinessmovesyouwillneedtomaketosupport yourclientstostayaheadofanevolvingindustry
Fromtakingcareoffamiliestotakingcareof
organizations,womenhavetakenhugestridesin breakingthroughtheglassceilinginmany industries.Manysectorshavewitnessedthemarksof women.Whenitcomestothefinancesector,therearea numberofsuccessfulwomenprofessionalswhoareplaying keyrolesinshapingthelandscapeoftheindustry With theirexemplaryleadershipskillsandextensiveknowledge, theyhavenotonlymadenoteworthycontributionsinthe financesectorbuthavealsoinspiredotherwomentostep up.Amongthosewomen,whohaveleftanindelibleimpact onthefinanceindustry,onesuchwomanisMargauxFiori Margauxhasworkedintheinvestmentandfinancial servicesindustrysince1997.SheistheFounderandCEO ofFioriFinancialGroupandisaregisteredrepresentative withRaymondJamesFinancialServices,Inc.,Member FINRA/SIPC.
Margauxhasatacticalinvestmentstylethatincludeswealth management,financialplanning,estateplanning, supplementalretirementincome,assetpreservationwith
insurance,andcorporateplanning.Inaddition,sheisalsoa CertifiedDivorceFinancialAnalyst(CDFA®).
Margauxstartedhercareerin1997atMorganStanley duringaragingbullmarket.Shefoundherselfinamaledominatedindustrywithlittlesupportorcomradery.She wasexpectedtoproducelikeoneofthemalesinthe industrybutwasneverfullypartoftheteam.Afterahigh octanestart,shehadtopickupthepiecesafterthesevere marketcrash.Justasshewasbeginningtostabilize,she washitwithanothermajorsetbackdueto9/11.Shewas severelydoubtingwhetherbeingafinancialadvisorshould behercareer,however,shedecidedtogiveitonemoretry assheisnottheonewhogivesupeasily.Sheisnow thankfulforhertumultuousstartbecauseitgaveherthe moxiewhichledhertowheresheistoday.
FioriFinancialGroupisamulti-familyoffice,housedunder oneroof,whichprovidescomprehensivesolutionsand
servicesthathighnetworthfamiliesrequire.Itisa progressive,leading-edgeprovideroffull-service, personalizedfinancialstrategies.Itisitsgoaltohavean openhouse,whereallclientsarewelcome.
Itsstorybegan16yearsago.BothNewJerseynativeswith Italianroots,MargauxFioriandScottVerlangieribuiltthe company'sfoundationonthevaluesoffamilyandloyalty. Theyhadavisionfortheirinvestorsandtheiradvisorsto haverelationshipsrootedintrust.Whiletheirtemperaments andenergylevelsarequitecontrasting,thetwoofthem havestrucktheperfectbalanceaspartnerswhenitcomesto creatinganeffectiveandprofessionalfinancialmanagement business.
Margaux'slarger-than-lifepersonalityandlimitlessideas matchedwithScott'sdedicatedworkethicandunyielding integrityhasnurturedanunparalleledworkenvironment. Together,theyhave43yearsofthecollectiveexperience andhavespentthepast16yearscraftinganexemplaryteam ofindividualswhovaluethegrowthoftheirbusinessjustas muchasthegrowthoftheirrelationshipswiththeirclients. WhenyouchooseFioriFinancialGroup,youbecomepart oftheirfamily WiththestrongpartnershipofMargauxand Scott,theFioriFinancialGroupteamisequippedwiththe drive,talent,andambitionnecessaryforsuccess.
Whenthepandemichit,FioriFinancialGrouphadjust completedconstructingitsnewbuilding.Itenabledthe organizationtocontrolitsworkenvironmentmuchmore easilyandfocusonprotectingitsclients.DuetoFiori FinancialGroup'snimbleandflexibleoperatingphilosophy, itwasabletoquicklytransitiontoandaccommodateall typesofworkingenvironments.
BeingPositivelyInfluencedbyCompetitive Environment
MargauxwasanavidreaderofWarrenBuffett,RayDalio, GeorgeSoros,andJimRogers.Thebooksoftheseauthors havegreatlyinfluencedher.
Moreover,Margauxgrewupasaniceskaterandwas influencedbythehighlycompetitiveenvironmentshefaced everydaytobethebest.Hermottowastoalwayswork harderandneverletthemseehersweat.Shecarriedthat principlewithherthroughoutherinvestmentcareer
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Margauxbelievesinempoweringleadership.Beingateam leader,shefocusesonidentifyingthestrengthsofherteam membersandleveragingtheircollectiveabilitiesto accomplishtheirgoals.Sheisluckytohaveaverydiverse groupofteammemberswhoallfeelliketheyarewinning thegametogether
MargauxmentionsthattheteamatFioriaretactical managersthatareintimatelyinvolvedinimplementingtheir strategiesonadailybasis.Thegroupofferscustomized strategiesforitsclientsdependingontheirrisktolerance andfinancialneeds.
Inheradvicetotheup-and-comingwomenentrepreneurs aspiringtoenterthefinanceindustry,Margauxsays "Be yourself! Women are natural nurturers, which is a huge advantage when dealing with sensitive topics such as money and investments. Having the ability to build caring and deep relationships is a requirement to be successful in this industry."
Securi es offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Fiori Financial Group is not a registered broker/dealer and is independent of Raymond James Financial Services.
Opinions expressed are not necessarily those of Raymond James. The informa on has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Some investments men oned may not be suitable for all investors. Past performance is not a guarantee of future results. Inves ng involves risk and investors may incur a profit or a loss.
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