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In a consumer study about dynamics between wealth managers and their clients Five Star Professional polled wealth managers and consumers about communications Both groups said that connecting three to four times a year is the right communications strategy but expectations are not aligned in all areas
bull 29 percent of consumers want to be contacted by their wealth manager whenever events require an update only 7 percent of wealth managers say they contact clients based on the impact of events
bull 63 percent of consumers say they receive the right amount of communication from their wealth manager
From research conducted by Five Star Professional April 2011
Wealth managers broadly defined are those individuals who help you manage your financial world andor implement aspects of your financial strategies Common examples of wealth managers
are financial advisors financial planners investment advisors tax advisors and estate planning attorneys
How do you find a wealth manager with experience who has a good base of clients with high retention rates and who has undergone a regulatory and complaint review And when you find them are they accepting new clients
Orlando Magazine and Five Star Professional partnered to find wealth managers who satisfy 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services to their clients Among many distinguishing attributes the average one-year client retention rate for this yearrsquos award winners is more than 96 percent
Five Star Wealth Managers2012 Orlando
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
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 Orlando award candidates were identified using internal and external research data including a survey to more than
3800 registered financial services professionals and all identified financial service companies in the area that are registered with FINRA or the SEC
CandidateSaward
The 2012 Five Star Wealth Managers are a select group representing less than 2 percent of the wealth managers in the Orlando area(1)
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
aWarda Select
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 1
SpeCial advertiSing SeCtiOn
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Star P
rofess
ional
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2012 Five Star Wealth
Man
agers
FS 2 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
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 some-thing that you under-standrdquo
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 Orlando 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 (1) 1590 award candidates in the Orlando area were considered for the Five Star Wealth Manager award 117 (approximately 7 percent of the award candidates) were named 2012 Five Star Wealth Managers
diSClOSureSresearch
2012
The Five Star award goes to less than 7 percent of wealth managers
Award candidates who satisfied 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services were named 2012 Five Star Wealth Managers(2)
Eligibility Criteria ndash Required(3)
1 Credentialed as an investment advisory representative (IAR) a FINRA-registered representative a CPA or a licensed attorney
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) 4 Fulfilled their firm review based on internal firm standards 5 Accepting new clients
Evaluation Criteria ndash Considered(3)
6 One-year client retention rate (the average one-year client retention rate of this yearrsquos award winners is more than 96 percent)
7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered (this
yearrsquos award winners administer an average of $83 million in client assets)9 Number of client households served (on average this yearrsquos award winners serve 228
households)10 Education and professional designations
OF aWard WinnerSdetermination
(2) Wealth managers were required to certify that any information they provided was accurate (3) Criteria 4 8 and 9 do not apply to attorneys or CPAs(4) As 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 managerbull 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 10900 households in the Orlando area were contacted
The Five Star Wealth Manager selection criteria was updated for the 2012 award year 2005 ndash 2011 Five Star Wealth Managers scored highest in overall satisfaction based on feedback from clients peers and industry experts No more than 7 percent of wealth managers receive the award each year The selection process for the 2005 ndash 2011 award winners can be found at wwwfivestarprofessionalcom2011wealth_managers_research_overviewphp
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2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 3
SpeCial advertiSing SeCtiOn
Award winners listed by primary services and listed alphabetically by last name
Business PlanningWilliam Boyles Gray-Robinson PAScott Peelen MPCMoreno Peelen Pinto
amp Clark
Estate PlanningRandy Bryan Hoyt amp BryanBarbara Coenson Coenson Law PAStephen Dunegan Akerman SenterfittMargaret ldquoPeggyrdquo Hoyt The Law Offices
of Hoyt amp BryanKristen Jackson Jackson Law PATony Keena Estate amp Business Planning
Group Page 9Ivan Lefkowitz Lefkowitz Shaw amp Sentner
AttorneysScott Miller Broad amp CasselEric Millhorn Millhorn Law FirmCraig Pearlman Killgore Pearlman Stamp
Ornstein amp Squires PANorma Stanley Lowndes Drosdick Doster
Kantor amp Reed PAHallie Zobel Bailey Zobel Pilcher
Financial PlanningJesse Anderson Merrill LynchJoseph Avallone Retirement Planning
AssociatesRobert Breske Breske amp BreskeScott Cadwell Cadwell Wealth
Management GroupBrett Canarelli Centerstate Financial
ServicesRey Descalso Privada Wealth
ManagementGregg Emch Morgan Stanley Smith
Barney Page 9Robert Emerson Morgan Stanley Smith
BarneyJames Eshelman Ameriprise Financial
Services IncKevin Farrow SunTrust Investment
ServicesCharles Fitzgerald III Moisand Fitzgerald
TamayoKaren Flynn Raymond James Financial
Services Page 9Michael Fraher Ameriprise Financial
Services Inc Page 8
Brian Fricke Financial Management Concepts
Karl Furno Mosaic Wealth Management Group
Joel Garris Nelson Investment Planning Services
Ronald Garrison Morgan Stanley Smith Barney
Derek Grimm Merrill LynchJames Hasley Elite Financial PartnersNancy Hecht Certified Financial GroupAlexander Hernandez SunTrust Bank
SunTrust Investment Services Page 9Alberto Herran Ameriprise Financial
Services IncTimothy Jernigan Morgan Stanley
Smith Barney Page 6William Jones Stonebridge Financial
Planning GroupScott Keiber Raymond James Financial
ServicesSteven Kurland 360 Financial FirmHilgardt Lamprecht The Lifewealth GroupTim Looney Tim Looney InvestmentsSean Marlowe Marlowe Petty amp
AssociatesAmeriprise Financial Services Inc
Kent McKee 4th Generation FinancialSteven Merenda Ameriprise Financial
Services IncTony Moreno Jr MPC Wealth
ManagementScott Morris Thrivent FinancialDamon Nicholson Morgan Stanley Smith
BarneyDennis Nolte Capital Guardian Wealth
ManagementChristopher Pashley Merrill LynchAnthony Perrone Estate amp Business
Planning Group Page 7Paul Prewitt Ameriprise Financial
Services IncBryan Repple GA Repple amp CompanyEric Rivera Fairwinds Credit UnionBrandon Ronca Ameriprise Financial
Services IncThomas Ruggie Ruggie Wealth
Management
Conrad Santiago Conrad Santiago amp AssociatesAmeriprise Financial Services Inc
Donald Schultz RBC Wealth ManagementDouglas Sheahan Morgan Stanley Smith
BarneyKimberly Sterling Resource Consulting
GroupTodd Stevens Morgan Stanley Smith
BarneyKimberly Stewart KRS Wealth
ManagementMarilyn Swan Morgan Stanley Smith
BarneyKevin Taylor Provident Financial
Consulting Page 8Kyle Taylor Provident Financial
Consulting Page 8Bob Thwaites Morgan Stanley Smith
BarneyGreg Vandergrift Ameriprise Financial
Services IncChad Warrick Summit Wealth
Management Page 9Dianne Webb Stonebridge Financial
Planning GroupTodd Woodard Mosaic Wealth
Management GroupKirk Barr Young Barr Financial Services
InvestmentsRick Ahl Ahl Investment ManagementNora Bagby Wells Fargo Advisors LLCSam Bellamy Morgan Stanley Smith
BarneyMichael Brodsky Brodsky Paynter amp
AssociatesAmeriprise Financial Services Inc
Kenneth Burke Merrill LynchGeorge Burmann JP Turner amp CompanyBrian Coatoam Merrill LynchDaniel Davis Capital Guardian Wealth
ManagementRobert Davis Davis Investment
ManagementSteve Eley Morgan Stanley Smith BarneyMax Elson Morgan Stanley Smith BarneyD Brooks Emerson Merrill Lynch
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2012 Five Star Wealth
Man
agers
FS 4 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
Award winners listed by primary services and listed alphabetically by last name
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
Lewis ldquoEddierdquo Fisher Morgan Keegan amp Company
Cindy Fowler New England FinancialRobert Harvie Morgan Stanley Smith
Barney Page 5Eric Hoebbel American Harbour Wealth
ManagementMark Holder Wells Fargo Advisors LLCChristopher Hunter Wells Fargo Advisors
LLCChristopher Hylen Water Oak AdvisorsShawn Jiles Merrill LynchTimothy Kelley Morgan Keegan amp
CompanyLeslie Kelly American Financial AdvisorsRoy E Kelsey Wells Fargo Advisors LLCVicki Kovach Certified Financial Group
Gladwyn Kurian Morgan Stanley Smith Barney
Mara Levitt Merrill LynchCarlos Lievano Morgan Keegan amp
CompanyJohn Maxwell Merrill LynchDan Moisand Moisand Fitzgerald TamayoRichard Ott Wells Fargo Advisors LLCRichard Panchookian Alta Vista Wealth
ManagementBrent Ramsey Edward JonesRichard Sanfilippo Morgan Stanley Smith
BarneyBeth Smith Morgan Keegan amp CompanyKirk Tassell Stockcross Financial ServicesScott Thomas Stewardship Matters
Rebecca True True Capital AdvisorsChristian Von Eberstein-Hart Wells Fargo
Advisors LLCBrandon Waters Morgan Stanley Smith
BarneyGlenn Wheelock Wells Fargo Advisors
LLC
TaxationLee Anne Acosta Acosta Tax amp
Accounting ServicesBonnie Duranceau CliftonLarsonAllenLeah James Gecko CPA FirmLinda Parks Parks Defilippo amp AssociatesMarni Spence CliftonLarsonAllenBarbara Watkins Barbara D Watkins CPA
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
Top five questions that wealth managers want clients to answer
From research conducted by Five Star Professional April 2011
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2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 5
SpeCial advertiSing SeCtiOn
Robert W Harvie
ldquoCustom Portfolios Are the
Hallmarks of Our Successrdquo
I welcome the opportunity to help meet your fi nancial goals and aspirations For more than 20 years clients have trusted us to advise them on comprehensive solutions to help them optimize preserve and pass on family wealth As a portfolio manager my team is qualifi ed to independently manage client assets based on training experience and commitment to service On a fully discretionary basis we identify and construct suitable investment portfolios in accordance with clientsrsquo needs and objectives Our investment services utilize one of the most customized approaches to portfolio management available in the investment industry today
Award-winning service and advice requires a dedicated qualifi ed experienced team My team includes Senior Client Associates Jennifer Baer and Meegan Kicklighter and Financial Advisors James Wesche Cindy Van Heyde Joe Kelly and Mike Murphy
To all our clients ldquoThank you for the many years of trust and confi dence which have made this award possible We look forward to our continued relationshiprdquo
250 South Park Avenue Suite 500 bull Winter Park FL 32789Office (407) 740-4924 bull Toll-free (800) 829-5105 bull Fax (407) 740-4983robertharviemssbcom bull wwwmorganstanleycomfarobertharvie
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
bull Dedicated to personalized client relationships
bull Qualifi ed based on training experience and commitment to service
bull Accessible on a one-on-one basis to each and every client
Titles Wealth Advisor Portfolio Management Director Senior Vice President
Designations CFPreg CIMAreg Senior Investment Management Consultant
Areas of Focus Professional Portfolio Management Municipal Bonds Endowments and Foundations
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2012 Five Star Wealth
Man
agers
FS 6 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
The Park Avenue Group at Morgan Stanley Smith Barney
A Culture of Excellence
Five Star award winner Timothy M Jernigan
Our vision is to foster multigenerational relationships that establish and achieve fi nancial goals through objective and holistic wealth planning Working with our clients and their trusted advisors Five Star award winner Timothy M Jernigan and his team create comprehensive wealth management strategies for a limited number of individuals and families of signifi cant wealth We place our clientsrsquo interest fi rst act with integrity and honesty and strive for excellence in every facet of our practice As of March 2012 The Park Avenue Group at Morgan Stanley Smith Barney manages approximately $250 million in assets
250 South Park Avenue Suite 500 bull Winter Park FL 32789Office (407) 740-4942
timothyjerniganmssbcom bull wwwmorganstanleycomfatheparkavenuegroup
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
bull Comprehensive wealth planning
bull Discretionary portfolio management
bull Concierge services
Timothy M Jernigan First Vice President Senior Portfolio Manager Wealth Advisor CERTIFIED FINANCIAL PLANNERtrade Kent Akins First Vice President Senior Portfolio Manager Wealth Advisor Chartered Financial Analystreg Jennifer Baer Senior Registered Associate Meegan Kicklighter Senior Client Service Associate
Some of the best minds on Wall Street will be working with you
Left to right Jennifer Baer Five Star award winner Timothy M Jernigan Meegan Kicklighter Kent Akins
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2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 7
SpeCial advertiSing SeCtiOn
Tony PerroneEstate and Business Planning Group Wealth Managers
Money Management Estate and Tax PlanningStrategies
Left to right Seated Je Heard Je Green Standing Jim Greene Five Star award winner Tony Perrone and two-year winner Tony S Keena
bull Starting Social Security Donrsquot make a mistake wwwSocialSecurityPlancombull Advanced investment principlesbull FRS planning wwwMYFRScomTitles Tony Perrone is the president and host of Now You Know a financial show on 965FM
Licenses Series 6 7 24 51 66 Life Health and Annuity
Our Regular Client Review Program (RCR) has made a diff erence with our clientele meeting with them every quarter face to face to review their current situation All advisors want to set up accounts but only a few want to monitor them year after year The Estate and Business Planning Group has eight special
client events per year to educate clientele on the current fi nancial environment and some are recreational events
ldquoYou have earned it we help you keep itrdquo
Listen to Now You Know at 900 am on Sundays
305 Douglas Avenue bull Altamonte Springs FL 32714Office (407) 389-1122 bull Toll-free (866) 669-8566
wwwdrophelpcom
Securities and Investment Advisory Services offered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not affiliated Additional products and services may be available through Estate and Business Planning Group that are not offered through AIC 5900O Street Lincoln NE 68510 (402)4676900
Two-
Year
Winn
er
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ional
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2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
Michael A Fraher
Financial Advice AlignedWith Client Values
bull Retirement planning strategies
bull Tax planning strategies
bull Estate planning strategies
Financial Advisor Franchise Owner
MBA ChFCreg AEPreg CRPCreg LUTCF Left to right Christina Jones two-year winner Michael Fraher and Barbara De Bord
Michael believes success comes from defi ning your goals then following a disciplined approach Ameriprise Platinum Financial Servicesreg advisors hold industry-recognized fi nancial planning credentials and maintain a high level of client satisfaction He works closely with you to explore the full range of opportunities your wealth can bring and advises you on the best strategies for harnessing its potential Your well-being is about his superb service and passion for success
719 Peachtree Road Suite 100 Orlando FL 32804
Offi ce (407) 206-7487 michaelafraherampfcom
wwwameripriseadvisorscommichaelafraher
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success Brokerage investment and financial advisory services are made available through Ameriprise Financial Services Inc Member FINRA and SIPC Some products and services may not be available in all jurisdictions or to all clients
Two-
Year
Winn
er
Provident Financial Consulting Group
Values-Based Planning With Credentials and Experience
bull Trust
bull Integrity
bull Experience
T Kevin Taylor JD LLM President
S Kyle Taylor Principal Left to right Two-year winner S Kyle Taylor Shelli Ghezzi and two-year winner T Kevin Taylor
Provident is a team of professionals with broad credentials and experience implementing long-term disciplined strategies Kevin and Kyle assist individuals and business owners to evaluate their current situation and help defi ne future goals Before Provident Kevin practiced law focusing on tax estate and asset protection planning Kyle focuses on developing retirement income strategies for individuals Together they provide a team approach to help construct a truly comprehensive fi nancial plan
1407 East Robinson Street bull Orlando FL 32801 Phone (407) 872-3888
kevinprovidentconsultantcomkyle providentconsultantcom wwwprovidentconsultantcom
Securities and Investment Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Provident Financial Consulting LLC or Five Star Professional
Two-
Year
Winn
er
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2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 9
SpeCial advertiSing SeCtiOn
250 S Park Ave Ste 500 Winter Park FL 32789 Direct (407) 740-4922 Toll-free (800) 829-5105 greggemchmssbcom Titles Vice President ndash Financial Advisor Portfolio Manager
Gregg A Emch
Twenty-four years of experience in the financial services industry practicing in Central Florida Wealth management with a comprehensive focus on creating a secure retirement My passion is developing life-long relationships built on trust and ethics
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
Two-
Year
Winn
er
220 E Central Pkwy Ste 3040 Altamonte Springs FL 32701 Phone (407) 478-0374 Ext 28 karenflynnraymondjamescom wwwraymondjamescomkarenflynn
Karen J Flynn
Business owners look to Karen to help them manage the investments in their companys qualified plans such as defined benefits 401(k) etc Through strategic partnerships Karen also helps with family succession or retirement exit planning strategies
Securities o ered through Raymond James Financial Services Inc member FINRASIPC
Chad A Warrick
5337 Millenia Lakes Blvd Ste 225Orlando FL 32839Offi ce (407) 656-2252 Ext 1010Toll-free (866) 977-2252cwarrickswmriacom
bull A recognized leader in wealth management bull Comprehensive and collaborative approach bull Proactive personal and detailed service
Title Senior Wealth Advisor
Solid Safe Growth and Trusted Advice
For more than a decade second-time Five Star Wealth Manager award winner Chad Warrick has served as the trusted advisor to individuals businesses and institutions Specializing in the areas of risk management investment and cash fl ow analysis and retirement and education planning Chadrsquos delivery of consistent and reliable performance and unbending client advocacy has contributed to a client retention rate far exceeding industry average Call us we can help
Two-
Year
Winn
er
305 Douglas Ave Altamonte Springs FL 32714 Office (407) 389-1122 Ext 228 Cell (407) 618-6435 TKeenaestateandbusinessnet wwwestateandbusinessgroupcom PartnerPrivate Wealth Manager
Tony S Keena
Providing services exclusively to high-net-worth and accredited investors in the following areas wealth management trust management retirement income planning trustee services asset preservation estate planning Securities and Investment Advisory Services o ered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not a liated Additional products and services may be available through Estate and Business Planning Group that are not
o ered through AIC 5900 O Street Lincoln NE 68510 (402) 467-6900
Two-
Year
Winn
er
Find a financial planner who will take the time to educate you eliminate the mystery and put you on the correct path
mdash Five Star award winner
Respect peoplersquos savings and how hard they
worked for itmdash Five Star award winner
7677 Dr Phillips BlvdOrlando FL 32819Direct (407) 226-3403Office (407) 237-4644AlexanderHernandezSunTrustcomwwwsuntrustcom
Alexander Hernandez
I a d v i s e o n t h e d e v e l o p m e n t a n d implementation of investment strategies to help clients meet their immediate and future goals I follow a disciplined process of assessing a clientrsquos financial situation determining risk tolerance and forming and executing an appropriate investment plan
Two-
Year
Winn
er
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rofess
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2012 Five Star Wealth
Man
agers
FS 2 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
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 some-thing that you under-standrdquo
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 Orlando 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 (1) 1590 award candidates in the Orlando area were considered for the Five Star Wealth Manager award 117 (approximately 7 percent of the award candidates) were named 2012 Five Star Wealth Managers
diSClOSureSresearch
2012
The Five Star award goes to less than 7 percent of wealth managers
Award candidates who satisfied 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services were named 2012 Five Star Wealth Managers(2)
Eligibility Criteria ndash Required(3)
1 Credentialed as an investment advisory representative (IAR) a FINRA-registered representative a CPA or a licensed attorney
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) 4 Fulfilled their firm review based on internal firm standards 5 Accepting new clients
Evaluation Criteria ndash Considered(3)
6 One-year client retention rate (the average one-year client retention rate of this yearrsquos award winners is more than 96 percent)
7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered (this
yearrsquos award winners administer an average of $83 million in client assets)9 Number of client households served (on average this yearrsquos award winners serve 228
households)10 Education and professional designations
OF aWard WinnerSdetermination
(2) Wealth managers were required to certify that any information they provided was accurate (3) Criteria 4 8 and 9 do not apply to attorneys or CPAs(4) As 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 managerbull 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 10900 households in the Orlando area were contacted
The Five Star Wealth Manager selection criteria was updated for the 2012 award year 2005 ndash 2011 Five Star Wealth Managers scored highest in overall satisfaction based on feedback from clients peers and industry experts No more than 7 percent of wealth managers receive the award each year The selection process for the 2005 ndash 2011 award winners can be found at wwwfivestarprofessionalcom2011wealth_managers_research_overviewphp
copy Five
Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
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ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 3
SpeCial advertiSing SeCtiOn
Award winners listed by primary services and listed alphabetically by last name
Business PlanningWilliam Boyles Gray-Robinson PAScott Peelen MPCMoreno Peelen Pinto
amp Clark
Estate PlanningRandy Bryan Hoyt amp BryanBarbara Coenson Coenson Law PAStephen Dunegan Akerman SenterfittMargaret ldquoPeggyrdquo Hoyt The Law Offices
of Hoyt amp BryanKristen Jackson Jackson Law PATony Keena Estate amp Business Planning
Group Page 9Ivan Lefkowitz Lefkowitz Shaw amp Sentner
AttorneysScott Miller Broad amp CasselEric Millhorn Millhorn Law FirmCraig Pearlman Killgore Pearlman Stamp
Ornstein amp Squires PANorma Stanley Lowndes Drosdick Doster
Kantor amp Reed PAHallie Zobel Bailey Zobel Pilcher
Financial PlanningJesse Anderson Merrill LynchJoseph Avallone Retirement Planning
AssociatesRobert Breske Breske amp BreskeScott Cadwell Cadwell Wealth
Management GroupBrett Canarelli Centerstate Financial
ServicesRey Descalso Privada Wealth
ManagementGregg Emch Morgan Stanley Smith
Barney Page 9Robert Emerson Morgan Stanley Smith
BarneyJames Eshelman Ameriprise Financial
Services IncKevin Farrow SunTrust Investment
ServicesCharles Fitzgerald III Moisand Fitzgerald
TamayoKaren Flynn Raymond James Financial
Services Page 9Michael Fraher Ameriprise Financial
Services Inc Page 8
Brian Fricke Financial Management Concepts
Karl Furno Mosaic Wealth Management Group
Joel Garris Nelson Investment Planning Services
Ronald Garrison Morgan Stanley Smith Barney
Derek Grimm Merrill LynchJames Hasley Elite Financial PartnersNancy Hecht Certified Financial GroupAlexander Hernandez SunTrust Bank
SunTrust Investment Services Page 9Alberto Herran Ameriprise Financial
Services IncTimothy Jernigan Morgan Stanley
Smith Barney Page 6William Jones Stonebridge Financial
Planning GroupScott Keiber Raymond James Financial
ServicesSteven Kurland 360 Financial FirmHilgardt Lamprecht The Lifewealth GroupTim Looney Tim Looney InvestmentsSean Marlowe Marlowe Petty amp
AssociatesAmeriprise Financial Services Inc
Kent McKee 4th Generation FinancialSteven Merenda Ameriprise Financial
Services IncTony Moreno Jr MPC Wealth
ManagementScott Morris Thrivent FinancialDamon Nicholson Morgan Stanley Smith
BarneyDennis Nolte Capital Guardian Wealth
ManagementChristopher Pashley Merrill LynchAnthony Perrone Estate amp Business
Planning Group Page 7Paul Prewitt Ameriprise Financial
Services IncBryan Repple GA Repple amp CompanyEric Rivera Fairwinds Credit UnionBrandon Ronca Ameriprise Financial
Services IncThomas Ruggie Ruggie Wealth
Management
Conrad Santiago Conrad Santiago amp AssociatesAmeriprise Financial Services Inc
Donald Schultz RBC Wealth ManagementDouglas Sheahan Morgan Stanley Smith
BarneyKimberly Sterling Resource Consulting
GroupTodd Stevens Morgan Stanley Smith
BarneyKimberly Stewart KRS Wealth
ManagementMarilyn Swan Morgan Stanley Smith
BarneyKevin Taylor Provident Financial
Consulting Page 8Kyle Taylor Provident Financial
Consulting Page 8Bob Thwaites Morgan Stanley Smith
BarneyGreg Vandergrift Ameriprise Financial
Services IncChad Warrick Summit Wealth
Management Page 9Dianne Webb Stonebridge Financial
Planning GroupTodd Woodard Mosaic Wealth
Management GroupKirk Barr Young Barr Financial Services
InvestmentsRick Ahl Ahl Investment ManagementNora Bagby Wells Fargo Advisors LLCSam Bellamy Morgan Stanley Smith
BarneyMichael Brodsky Brodsky Paynter amp
AssociatesAmeriprise Financial Services Inc
Kenneth Burke Merrill LynchGeorge Burmann JP Turner amp CompanyBrian Coatoam Merrill LynchDaniel Davis Capital Guardian Wealth
ManagementRobert Davis Davis Investment
ManagementSteve Eley Morgan Stanley Smith BarneyMax Elson Morgan Stanley Smith BarneyD Brooks Emerson Merrill Lynch
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
copy Five
Star P
rofess
ional
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Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 4 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
Award winners listed by primary services and listed alphabetically by last name
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
Lewis ldquoEddierdquo Fisher Morgan Keegan amp Company
Cindy Fowler New England FinancialRobert Harvie Morgan Stanley Smith
Barney Page 5Eric Hoebbel American Harbour Wealth
ManagementMark Holder Wells Fargo Advisors LLCChristopher Hunter Wells Fargo Advisors
LLCChristopher Hylen Water Oak AdvisorsShawn Jiles Merrill LynchTimothy Kelley Morgan Keegan amp
CompanyLeslie Kelly American Financial AdvisorsRoy E Kelsey Wells Fargo Advisors LLCVicki Kovach Certified Financial Group
Gladwyn Kurian Morgan Stanley Smith Barney
Mara Levitt Merrill LynchCarlos Lievano Morgan Keegan amp
CompanyJohn Maxwell Merrill LynchDan Moisand Moisand Fitzgerald TamayoRichard Ott Wells Fargo Advisors LLCRichard Panchookian Alta Vista Wealth
ManagementBrent Ramsey Edward JonesRichard Sanfilippo Morgan Stanley Smith
BarneyBeth Smith Morgan Keegan amp CompanyKirk Tassell Stockcross Financial ServicesScott Thomas Stewardship Matters
Rebecca True True Capital AdvisorsChristian Von Eberstein-Hart Wells Fargo
Advisors LLCBrandon Waters Morgan Stanley Smith
BarneyGlenn Wheelock Wells Fargo Advisors
LLC
TaxationLee Anne Acosta Acosta Tax amp
Accounting ServicesBonnie Duranceau CliftonLarsonAllenLeah James Gecko CPA FirmLinda Parks Parks Defilippo amp AssociatesMarni Spence CliftonLarsonAllenBarbara Watkins Barbara D Watkins CPA
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
Top five questions that wealth managers want clients to answer
From research conducted by Five Star Professional April 2011
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 5
SpeCial advertiSing SeCtiOn
Robert W Harvie
ldquoCustom Portfolios Are the
Hallmarks of Our Successrdquo
I welcome the opportunity to help meet your fi nancial goals and aspirations For more than 20 years clients have trusted us to advise them on comprehensive solutions to help them optimize preserve and pass on family wealth As a portfolio manager my team is qualifi ed to independently manage client assets based on training experience and commitment to service On a fully discretionary basis we identify and construct suitable investment portfolios in accordance with clientsrsquo needs and objectives Our investment services utilize one of the most customized approaches to portfolio management available in the investment industry today
Award-winning service and advice requires a dedicated qualifi ed experienced team My team includes Senior Client Associates Jennifer Baer and Meegan Kicklighter and Financial Advisors James Wesche Cindy Van Heyde Joe Kelly and Mike Murphy
To all our clients ldquoThank you for the many years of trust and confi dence which have made this award possible We look forward to our continued relationshiprdquo
250 South Park Avenue Suite 500 bull Winter Park FL 32789Office (407) 740-4924 bull Toll-free (800) 829-5105 bull Fax (407) 740-4983robertharviemssbcom bull wwwmorganstanleycomfarobertharvie
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
bull Dedicated to personalized client relationships
bull Qualifi ed based on training experience and commitment to service
bull Accessible on a one-on-one basis to each and every client
Titles Wealth Advisor Portfolio Management Director Senior Vice President
Designations CFPreg CIMAreg Senior Investment Management Consultant
Areas of Focus Professional Portfolio Management Municipal Bonds Endowments and Foundations
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 6 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
The Park Avenue Group at Morgan Stanley Smith Barney
A Culture of Excellence
Five Star award winner Timothy M Jernigan
Our vision is to foster multigenerational relationships that establish and achieve fi nancial goals through objective and holistic wealth planning Working with our clients and their trusted advisors Five Star award winner Timothy M Jernigan and his team create comprehensive wealth management strategies for a limited number of individuals and families of signifi cant wealth We place our clientsrsquo interest fi rst act with integrity and honesty and strive for excellence in every facet of our practice As of March 2012 The Park Avenue Group at Morgan Stanley Smith Barney manages approximately $250 million in assets
250 South Park Avenue Suite 500 bull Winter Park FL 32789Office (407) 740-4942
timothyjerniganmssbcom bull wwwmorganstanleycomfatheparkavenuegroup
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
bull Comprehensive wealth planning
bull Discretionary portfolio management
bull Concierge services
Timothy M Jernigan First Vice President Senior Portfolio Manager Wealth Advisor CERTIFIED FINANCIAL PLANNERtrade Kent Akins First Vice President Senior Portfolio Manager Wealth Advisor Chartered Financial Analystreg Jennifer Baer Senior Registered Associate Meegan Kicklighter Senior Client Service Associate
Some of the best minds on Wall Street will be working with you
Left to right Jennifer Baer Five Star award winner Timothy M Jernigan Meegan Kicklighter Kent Akins
copy Five
Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
copy Five
Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
copy Five
Star P
rofess
ional
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Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 7
SpeCial advertiSing SeCtiOn
Tony PerroneEstate and Business Planning Group Wealth Managers
Money Management Estate and Tax PlanningStrategies
Left to right Seated Je Heard Je Green Standing Jim Greene Five Star award winner Tony Perrone and two-year winner Tony S Keena
bull Starting Social Security Donrsquot make a mistake wwwSocialSecurityPlancombull Advanced investment principlesbull FRS planning wwwMYFRScomTitles Tony Perrone is the president and host of Now You Know a financial show on 965FM
Licenses Series 6 7 24 51 66 Life Health and Annuity
Our Regular Client Review Program (RCR) has made a diff erence with our clientele meeting with them every quarter face to face to review their current situation All advisors want to set up accounts but only a few want to monitor them year after year The Estate and Business Planning Group has eight special
client events per year to educate clientele on the current fi nancial environment and some are recreational events
ldquoYou have earned it we help you keep itrdquo
Listen to Now You Know at 900 am on Sundays
305 Douglas Avenue bull Altamonte Springs FL 32714Office (407) 389-1122 bull Toll-free (866) 669-8566
wwwdrophelpcom
Securities and Investment Advisory Services offered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not affiliated Additional products and services may be available through Estate and Business Planning Group that are not offered through AIC 5900O Street Lincoln NE 68510 (402)4676900
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
Michael A Fraher
Financial Advice AlignedWith Client Values
bull Retirement planning strategies
bull Tax planning strategies
bull Estate planning strategies
Financial Advisor Franchise Owner
MBA ChFCreg AEPreg CRPCreg LUTCF Left to right Christina Jones two-year winner Michael Fraher and Barbara De Bord
Michael believes success comes from defi ning your goals then following a disciplined approach Ameriprise Platinum Financial Servicesreg advisors hold industry-recognized fi nancial planning credentials and maintain a high level of client satisfaction He works closely with you to explore the full range of opportunities your wealth can bring and advises you on the best strategies for harnessing its potential Your well-being is about his superb service and passion for success
719 Peachtree Road Suite 100 Orlando FL 32804
Offi ce (407) 206-7487 michaelafraherampfcom
wwwameripriseadvisorscommichaelafraher
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success Brokerage investment and financial advisory services are made available through Ameriprise Financial Services Inc Member FINRA and SIPC Some products and services may not be available in all jurisdictions or to all clients
Two-
Year
Winn
er
Provident Financial Consulting Group
Values-Based Planning With Credentials and Experience
bull Trust
bull Integrity
bull Experience
T Kevin Taylor JD LLM President
S Kyle Taylor Principal Left to right Two-year winner S Kyle Taylor Shelli Ghezzi and two-year winner T Kevin Taylor
Provident is a team of professionals with broad credentials and experience implementing long-term disciplined strategies Kevin and Kyle assist individuals and business owners to evaluate their current situation and help defi ne future goals Before Provident Kevin practiced law focusing on tax estate and asset protection planning Kyle focuses on developing retirement income strategies for individuals Together they provide a team approach to help construct a truly comprehensive fi nancial plan
1407 East Robinson Street bull Orlando FL 32801 Phone (407) 872-3888
kevinprovidentconsultantcomkyle providentconsultantcom wwwprovidentconsultantcom
Securities and Investment Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Provident Financial Consulting LLC or Five Star Professional
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
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ional
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Star P
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ional
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Star P
rofess
ional
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Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 9
SpeCial advertiSing SeCtiOn
250 S Park Ave Ste 500 Winter Park FL 32789 Direct (407) 740-4922 Toll-free (800) 829-5105 greggemchmssbcom Titles Vice President ndash Financial Advisor Portfolio Manager
Gregg A Emch
Twenty-four years of experience in the financial services industry practicing in Central Florida Wealth management with a comprehensive focus on creating a secure retirement My passion is developing life-long relationships built on trust and ethics
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
Two-
Year
Winn
er
220 E Central Pkwy Ste 3040 Altamonte Springs FL 32701 Phone (407) 478-0374 Ext 28 karenflynnraymondjamescom wwwraymondjamescomkarenflynn
Karen J Flynn
Business owners look to Karen to help them manage the investments in their companys qualified plans such as defined benefits 401(k) etc Through strategic partnerships Karen also helps with family succession or retirement exit planning strategies
Securities o ered through Raymond James Financial Services Inc member FINRASIPC
Chad A Warrick
5337 Millenia Lakes Blvd Ste 225Orlando FL 32839Offi ce (407) 656-2252 Ext 1010Toll-free (866) 977-2252cwarrickswmriacom
bull A recognized leader in wealth management bull Comprehensive and collaborative approach bull Proactive personal and detailed service
Title Senior Wealth Advisor
Solid Safe Growth and Trusted Advice
For more than a decade second-time Five Star Wealth Manager award winner Chad Warrick has served as the trusted advisor to individuals businesses and institutions Specializing in the areas of risk management investment and cash fl ow analysis and retirement and education planning Chadrsquos delivery of consistent and reliable performance and unbending client advocacy has contributed to a client retention rate far exceeding industry average Call us we can help
Two-
Year
Winn
er
305 Douglas Ave Altamonte Springs FL 32714 Office (407) 389-1122 Ext 228 Cell (407) 618-6435 TKeenaestateandbusinessnet wwwestateandbusinessgroupcom PartnerPrivate Wealth Manager
Tony S Keena
Providing services exclusively to high-net-worth and accredited investors in the following areas wealth management trust management retirement income planning trustee services asset preservation estate planning Securities and Investment Advisory Services o ered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not a liated Additional products and services may be available through Estate and Business Planning Group that are not
o ered through AIC 5900 O Street Lincoln NE 68510 (402) 467-6900
Two-
Year
Winn
er
Find a financial planner who will take the time to educate you eliminate the mystery and put you on the correct path
mdash Five Star award winner
Respect peoplersquos savings and how hard they
worked for itmdash Five Star award winner
7677 Dr Phillips BlvdOrlando FL 32819Direct (407) 226-3403Office (407) 237-4644AlexanderHernandezSunTrustcomwwwsuntrustcom
Alexander Hernandez
I a d v i s e o n t h e d e v e l o p m e n t a n d implementation of investment strategies to help clients meet their immediate and future goals I follow a disciplined process of assessing a clientrsquos financial situation determining risk tolerance and forming and executing an appropriate investment plan
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
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Star P
rofess
ional
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Star P
rofess
ional
copy Five
Star P
rofess
ional
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Star P
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 3
SpeCial advertiSing SeCtiOn
Award winners listed by primary services and listed alphabetically by last name
Business PlanningWilliam Boyles Gray-Robinson PAScott Peelen MPCMoreno Peelen Pinto
amp Clark
Estate PlanningRandy Bryan Hoyt amp BryanBarbara Coenson Coenson Law PAStephen Dunegan Akerman SenterfittMargaret ldquoPeggyrdquo Hoyt The Law Offices
of Hoyt amp BryanKristen Jackson Jackson Law PATony Keena Estate amp Business Planning
Group Page 9Ivan Lefkowitz Lefkowitz Shaw amp Sentner
AttorneysScott Miller Broad amp CasselEric Millhorn Millhorn Law FirmCraig Pearlman Killgore Pearlman Stamp
Ornstein amp Squires PANorma Stanley Lowndes Drosdick Doster
Kantor amp Reed PAHallie Zobel Bailey Zobel Pilcher
Financial PlanningJesse Anderson Merrill LynchJoseph Avallone Retirement Planning
AssociatesRobert Breske Breske amp BreskeScott Cadwell Cadwell Wealth
Management GroupBrett Canarelli Centerstate Financial
ServicesRey Descalso Privada Wealth
ManagementGregg Emch Morgan Stanley Smith
Barney Page 9Robert Emerson Morgan Stanley Smith
BarneyJames Eshelman Ameriprise Financial
Services IncKevin Farrow SunTrust Investment
ServicesCharles Fitzgerald III Moisand Fitzgerald
TamayoKaren Flynn Raymond James Financial
Services Page 9Michael Fraher Ameriprise Financial
Services Inc Page 8
Brian Fricke Financial Management Concepts
Karl Furno Mosaic Wealth Management Group
Joel Garris Nelson Investment Planning Services
Ronald Garrison Morgan Stanley Smith Barney
Derek Grimm Merrill LynchJames Hasley Elite Financial PartnersNancy Hecht Certified Financial GroupAlexander Hernandez SunTrust Bank
SunTrust Investment Services Page 9Alberto Herran Ameriprise Financial
Services IncTimothy Jernigan Morgan Stanley
Smith Barney Page 6William Jones Stonebridge Financial
Planning GroupScott Keiber Raymond James Financial
ServicesSteven Kurland 360 Financial FirmHilgardt Lamprecht The Lifewealth GroupTim Looney Tim Looney InvestmentsSean Marlowe Marlowe Petty amp
AssociatesAmeriprise Financial Services Inc
Kent McKee 4th Generation FinancialSteven Merenda Ameriprise Financial
Services IncTony Moreno Jr MPC Wealth
ManagementScott Morris Thrivent FinancialDamon Nicholson Morgan Stanley Smith
BarneyDennis Nolte Capital Guardian Wealth
ManagementChristopher Pashley Merrill LynchAnthony Perrone Estate amp Business
Planning Group Page 7Paul Prewitt Ameriprise Financial
Services IncBryan Repple GA Repple amp CompanyEric Rivera Fairwinds Credit UnionBrandon Ronca Ameriprise Financial
Services IncThomas Ruggie Ruggie Wealth
Management
Conrad Santiago Conrad Santiago amp AssociatesAmeriprise Financial Services Inc
Donald Schultz RBC Wealth ManagementDouglas Sheahan Morgan Stanley Smith
BarneyKimberly Sterling Resource Consulting
GroupTodd Stevens Morgan Stanley Smith
BarneyKimberly Stewart KRS Wealth
ManagementMarilyn Swan Morgan Stanley Smith
BarneyKevin Taylor Provident Financial
Consulting Page 8Kyle Taylor Provident Financial
Consulting Page 8Bob Thwaites Morgan Stanley Smith
BarneyGreg Vandergrift Ameriprise Financial
Services IncChad Warrick Summit Wealth
Management Page 9Dianne Webb Stonebridge Financial
Planning GroupTodd Woodard Mosaic Wealth
Management GroupKirk Barr Young Barr Financial Services
InvestmentsRick Ahl Ahl Investment ManagementNora Bagby Wells Fargo Advisors LLCSam Bellamy Morgan Stanley Smith
BarneyMichael Brodsky Brodsky Paynter amp
AssociatesAmeriprise Financial Services Inc
Kenneth Burke Merrill LynchGeorge Burmann JP Turner amp CompanyBrian Coatoam Merrill LynchDaniel Davis Capital Guardian Wealth
ManagementRobert Davis Davis Investment
ManagementSteve Eley Morgan Stanley Smith BarneyMax Elson Morgan Stanley Smith BarneyD Brooks Emerson Merrill Lynch
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
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Star P
rofess
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 4 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
Award winners listed by primary services and listed alphabetically by last name
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
Lewis ldquoEddierdquo Fisher Morgan Keegan amp Company
Cindy Fowler New England FinancialRobert Harvie Morgan Stanley Smith
Barney Page 5Eric Hoebbel American Harbour Wealth
ManagementMark Holder Wells Fargo Advisors LLCChristopher Hunter Wells Fargo Advisors
LLCChristopher Hylen Water Oak AdvisorsShawn Jiles Merrill LynchTimothy Kelley Morgan Keegan amp
CompanyLeslie Kelly American Financial AdvisorsRoy E Kelsey Wells Fargo Advisors LLCVicki Kovach Certified Financial Group
Gladwyn Kurian Morgan Stanley Smith Barney
Mara Levitt Merrill LynchCarlos Lievano Morgan Keegan amp
CompanyJohn Maxwell Merrill LynchDan Moisand Moisand Fitzgerald TamayoRichard Ott Wells Fargo Advisors LLCRichard Panchookian Alta Vista Wealth
ManagementBrent Ramsey Edward JonesRichard Sanfilippo Morgan Stanley Smith
BarneyBeth Smith Morgan Keegan amp CompanyKirk Tassell Stockcross Financial ServicesScott Thomas Stewardship Matters
Rebecca True True Capital AdvisorsChristian Von Eberstein-Hart Wells Fargo
Advisors LLCBrandon Waters Morgan Stanley Smith
BarneyGlenn Wheelock Wells Fargo Advisors
LLC
TaxationLee Anne Acosta Acosta Tax amp
Accounting ServicesBonnie Duranceau CliftonLarsonAllenLeah James Gecko CPA FirmLinda Parks Parks Defilippo amp AssociatesMarni Spence CliftonLarsonAllenBarbara Watkins Barbara D Watkins CPA
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
Top five questions that wealth managers want clients to answer
From research conducted by Five Star Professional April 2011
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
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Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 5
SpeCial advertiSing SeCtiOn
Robert W Harvie
ldquoCustom Portfolios Are the
Hallmarks of Our Successrdquo
I welcome the opportunity to help meet your fi nancial goals and aspirations For more than 20 years clients have trusted us to advise them on comprehensive solutions to help them optimize preserve and pass on family wealth As a portfolio manager my team is qualifi ed to independently manage client assets based on training experience and commitment to service On a fully discretionary basis we identify and construct suitable investment portfolios in accordance with clientsrsquo needs and objectives Our investment services utilize one of the most customized approaches to portfolio management available in the investment industry today
Award-winning service and advice requires a dedicated qualifi ed experienced team My team includes Senior Client Associates Jennifer Baer and Meegan Kicklighter and Financial Advisors James Wesche Cindy Van Heyde Joe Kelly and Mike Murphy
To all our clients ldquoThank you for the many years of trust and confi dence which have made this award possible We look forward to our continued relationshiprdquo
250 South Park Avenue Suite 500 bull Winter Park FL 32789Office (407) 740-4924 bull Toll-free (800) 829-5105 bull Fax (407) 740-4983robertharviemssbcom bull wwwmorganstanleycomfarobertharvie
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
bull Dedicated to personalized client relationships
bull Qualifi ed based on training experience and commitment to service
bull Accessible on a one-on-one basis to each and every client
Titles Wealth Advisor Portfolio Management Director Senior Vice President
Designations CFPreg CIMAreg Senior Investment Management Consultant
Areas of Focus Professional Portfolio Management Municipal Bonds Endowments and Foundations
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 6 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
The Park Avenue Group at Morgan Stanley Smith Barney
A Culture of Excellence
Five Star award winner Timothy M Jernigan
Our vision is to foster multigenerational relationships that establish and achieve fi nancial goals through objective and holistic wealth planning Working with our clients and their trusted advisors Five Star award winner Timothy M Jernigan and his team create comprehensive wealth management strategies for a limited number of individuals and families of signifi cant wealth We place our clientsrsquo interest fi rst act with integrity and honesty and strive for excellence in every facet of our practice As of March 2012 The Park Avenue Group at Morgan Stanley Smith Barney manages approximately $250 million in assets
250 South Park Avenue Suite 500 bull Winter Park FL 32789Office (407) 740-4942
timothyjerniganmssbcom bull wwwmorganstanleycomfatheparkavenuegroup
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
bull Comprehensive wealth planning
bull Discretionary portfolio management
bull Concierge services
Timothy M Jernigan First Vice President Senior Portfolio Manager Wealth Advisor CERTIFIED FINANCIAL PLANNERtrade Kent Akins First Vice President Senior Portfolio Manager Wealth Advisor Chartered Financial Analystreg Jennifer Baer Senior Registered Associate Meegan Kicklighter Senior Client Service Associate
Some of the best minds on Wall Street will be working with you
Left to right Jennifer Baer Five Star award winner Timothy M Jernigan Meegan Kicklighter Kent Akins
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 7
SpeCial advertiSing SeCtiOn
Tony PerroneEstate and Business Planning Group Wealth Managers
Money Management Estate and Tax PlanningStrategies
Left to right Seated Je Heard Je Green Standing Jim Greene Five Star award winner Tony Perrone and two-year winner Tony S Keena
bull Starting Social Security Donrsquot make a mistake wwwSocialSecurityPlancombull Advanced investment principlesbull FRS planning wwwMYFRScomTitles Tony Perrone is the president and host of Now You Know a financial show on 965FM
Licenses Series 6 7 24 51 66 Life Health and Annuity
Our Regular Client Review Program (RCR) has made a diff erence with our clientele meeting with them every quarter face to face to review their current situation All advisors want to set up accounts but only a few want to monitor them year after year The Estate and Business Planning Group has eight special
client events per year to educate clientele on the current fi nancial environment and some are recreational events
ldquoYou have earned it we help you keep itrdquo
Listen to Now You Know at 900 am on Sundays
305 Douglas Avenue bull Altamonte Springs FL 32714Office (407) 389-1122 bull Toll-free (866) 669-8566
wwwdrophelpcom
Securities and Investment Advisory Services offered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not affiliated Additional products and services may be available through Estate and Business Planning Group that are not offered through AIC 5900O Street Lincoln NE 68510 (402)4676900
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
Michael A Fraher
Financial Advice AlignedWith Client Values
bull Retirement planning strategies
bull Tax planning strategies
bull Estate planning strategies
Financial Advisor Franchise Owner
MBA ChFCreg AEPreg CRPCreg LUTCF Left to right Christina Jones two-year winner Michael Fraher and Barbara De Bord
Michael believes success comes from defi ning your goals then following a disciplined approach Ameriprise Platinum Financial Servicesreg advisors hold industry-recognized fi nancial planning credentials and maintain a high level of client satisfaction He works closely with you to explore the full range of opportunities your wealth can bring and advises you on the best strategies for harnessing its potential Your well-being is about his superb service and passion for success
719 Peachtree Road Suite 100 Orlando FL 32804
Offi ce (407) 206-7487 michaelafraherampfcom
wwwameripriseadvisorscommichaelafraher
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success Brokerage investment and financial advisory services are made available through Ameriprise Financial Services Inc Member FINRA and SIPC Some products and services may not be available in all jurisdictions or to all clients
Two-
Year
Winn
er
Provident Financial Consulting Group
Values-Based Planning With Credentials and Experience
bull Trust
bull Integrity
bull Experience
T Kevin Taylor JD LLM President
S Kyle Taylor Principal Left to right Two-year winner S Kyle Taylor Shelli Ghezzi and two-year winner T Kevin Taylor
Provident is a team of professionals with broad credentials and experience implementing long-term disciplined strategies Kevin and Kyle assist individuals and business owners to evaluate their current situation and help defi ne future goals Before Provident Kevin practiced law focusing on tax estate and asset protection planning Kyle focuses on developing retirement income strategies for individuals Together they provide a team approach to help construct a truly comprehensive fi nancial plan
1407 East Robinson Street bull Orlando FL 32801 Phone (407) 872-3888
kevinprovidentconsultantcomkyle providentconsultantcom wwwprovidentconsultantcom
Securities and Investment Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Provident Financial Consulting LLC or Five Star Professional
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 9
SpeCial advertiSing SeCtiOn
250 S Park Ave Ste 500 Winter Park FL 32789 Direct (407) 740-4922 Toll-free (800) 829-5105 greggemchmssbcom Titles Vice President ndash Financial Advisor Portfolio Manager
Gregg A Emch
Twenty-four years of experience in the financial services industry practicing in Central Florida Wealth management with a comprehensive focus on creating a secure retirement My passion is developing life-long relationships built on trust and ethics
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
Two-
Year
Winn
er
220 E Central Pkwy Ste 3040 Altamonte Springs FL 32701 Phone (407) 478-0374 Ext 28 karenflynnraymondjamescom wwwraymondjamescomkarenflynn
Karen J Flynn
Business owners look to Karen to help them manage the investments in their companys qualified plans such as defined benefits 401(k) etc Through strategic partnerships Karen also helps with family succession or retirement exit planning strategies
Securities o ered through Raymond James Financial Services Inc member FINRASIPC
Chad A Warrick
5337 Millenia Lakes Blvd Ste 225Orlando FL 32839Offi ce (407) 656-2252 Ext 1010Toll-free (866) 977-2252cwarrickswmriacom
bull A recognized leader in wealth management bull Comprehensive and collaborative approach bull Proactive personal and detailed service
Title Senior Wealth Advisor
Solid Safe Growth and Trusted Advice
For more than a decade second-time Five Star Wealth Manager award winner Chad Warrick has served as the trusted advisor to individuals businesses and institutions Specializing in the areas of risk management investment and cash fl ow analysis and retirement and education planning Chadrsquos delivery of consistent and reliable performance and unbending client advocacy has contributed to a client retention rate far exceeding industry average Call us we can help
Two-
Year
Winn
er
305 Douglas Ave Altamonte Springs FL 32714 Office (407) 389-1122 Ext 228 Cell (407) 618-6435 TKeenaestateandbusinessnet wwwestateandbusinessgroupcom PartnerPrivate Wealth Manager
Tony S Keena
Providing services exclusively to high-net-worth and accredited investors in the following areas wealth management trust management retirement income planning trustee services asset preservation estate planning Securities and Investment Advisory Services o ered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not a liated Additional products and services may be available through Estate and Business Planning Group that are not
o ered through AIC 5900 O Street Lincoln NE 68510 (402) 467-6900
Two-
Year
Winn
er
Find a financial planner who will take the time to educate you eliminate the mystery and put you on the correct path
mdash Five Star award winner
Respect peoplersquos savings and how hard they
worked for itmdash Five Star award winner
7677 Dr Phillips BlvdOrlando FL 32819Direct (407) 226-3403Office (407) 237-4644AlexanderHernandezSunTrustcomwwwsuntrustcom
Alexander Hernandez
I a d v i s e o n t h e d e v e l o p m e n t a n d implementation of investment strategies to help clients meet their immediate and future goals I follow a disciplined process of assessing a clientrsquos financial situation determining risk tolerance and forming and executing an appropriate investment plan
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 4 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
Award winners listed by primary services and listed alphabetically by last name
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
Lewis ldquoEddierdquo Fisher Morgan Keegan amp Company
Cindy Fowler New England FinancialRobert Harvie Morgan Stanley Smith
Barney Page 5Eric Hoebbel American Harbour Wealth
ManagementMark Holder Wells Fargo Advisors LLCChristopher Hunter Wells Fargo Advisors
LLCChristopher Hylen Water Oak AdvisorsShawn Jiles Merrill LynchTimothy Kelley Morgan Keegan amp
CompanyLeslie Kelly American Financial AdvisorsRoy E Kelsey Wells Fargo Advisors LLCVicki Kovach Certified Financial Group
Gladwyn Kurian Morgan Stanley Smith Barney
Mara Levitt Merrill LynchCarlos Lievano Morgan Keegan amp
CompanyJohn Maxwell Merrill LynchDan Moisand Moisand Fitzgerald TamayoRichard Ott Wells Fargo Advisors LLCRichard Panchookian Alta Vista Wealth
ManagementBrent Ramsey Edward JonesRichard Sanfilippo Morgan Stanley Smith
BarneyBeth Smith Morgan Keegan amp CompanyKirk Tassell Stockcross Financial ServicesScott Thomas Stewardship Matters
Rebecca True True Capital AdvisorsChristian Von Eberstein-Hart Wells Fargo
Advisors LLCBrandon Waters Morgan Stanley Smith
BarneyGlenn Wheelock Wells Fargo Advisors
LLC
TaxationLee Anne Acosta Acosta Tax amp
Accounting ServicesBonnie Duranceau CliftonLarsonAllenLeah James Gecko CPA FirmLinda Parks Parks Defilippo amp AssociatesMarni Spence CliftonLarsonAllenBarbara Watkins Barbara D Watkins CPA
1 What are your goals and objectives with your finances
2 What is your most pressing need right now
3 Where do you see yourself in 5 10 15 years
4 Where are all of your assets invested now
5 What is important about money to you
Top five questions that wealth managers want clients to answer
From research conducted by Five Star Professional April 2011
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 5
SpeCial advertiSing SeCtiOn
Robert W Harvie
ldquoCustom Portfolios Are the
Hallmarks of Our Successrdquo
I welcome the opportunity to help meet your fi nancial goals and aspirations For more than 20 years clients have trusted us to advise them on comprehensive solutions to help them optimize preserve and pass on family wealth As a portfolio manager my team is qualifi ed to independently manage client assets based on training experience and commitment to service On a fully discretionary basis we identify and construct suitable investment portfolios in accordance with clientsrsquo needs and objectives Our investment services utilize one of the most customized approaches to portfolio management available in the investment industry today
Award-winning service and advice requires a dedicated qualifi ed experienced team My team includes Senior Client Associates Jennifer Baer and Meegan Kicklighter and Financial Advisors James Wesche Cindy Van Heyde Joe Kelly and Mike Murphy
To all our clients ldquoThank you for the many years of trust and confi dence which have made this award possible We look forward to our continued relationshiprdquo
250 South Park Avenue Suite 500 bull Winter Park FL 32789Office (407) 740-4924 bull Toll-free (800) 829-5105 bull Fax (407) 740-4983robertharviemssbcom bull wwwmorganstanleycomfarobertharvie
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
bull Dedicated to personalized client relationships
bull Qualifi ed based on training experience and commitment to service
bull Accessible on a one-on-one basis to each and every client
Titles Wealth Advisor Portfolio Management Director Senior Vice President
Designations CFPreg CIMAreg Senior Investment Management Consultant
Areas of Focus Professional Portfolio Management Municipal Bonds Endowments and Foundations
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 6 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
The Park Avenue Group at Morgan Stanley Smith Barney
A Culture of Excellence
Five Star award winner Timothy M Jernigan
Our vision is to foster multigenerational relationships that establish and achieve fi nancial goals through objective and holistic wealth planning Working with our clients and their trusted advisors Five Star award winner Timothy M Jernigan and his team create comprehensive wealth management strategies for a limited number of individuals and families of signifi cant wealth We place our clientsrsquo interest fi rst act with integrity and honesty and strive for excellence in every facet of our practice As of March 2012 The Park Avenue Group at Morgan Stanley Smith Barney manages approximately $250 million in assets
250 South Park Avenue Suite 500 bull Winter Park FL 32789Office (407) 740-4942
timothyjerniganmssbcom bull wwwmorganstanleycomfatheparkavenuegroup
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
bull Comprehensive wealth planning
bull Discretionary portfolio management
bull Concierge services
Timothy M Jernigan First Vice President Senior Portfolio Manager Wealth Advisor CERTIFIED FINANCIAL PLANNERtrade Kent Akins First Vice President Senior Portfolio Manager Wealth Advisor Chartered Financial Analystreg Jennifer Baer Senior Registered Associate Meegan Kicklighter Senior Client Service Associate
Some of the best minds on Wall Street will be working with you
Left to right Jennifer Baer Five Star award winner Timothy M Jernigan Meegan Kicklighter Kent Akins
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 7
SpeCial advertiSing SeCtiOn
Tony PerroneEstate and Business Planning Group Wealth Managers
Money Management Estate and Tax PlanningStrategies
Left to right Seated Je Heard Je Green Standing Jim Greene Five Star award winner Tony Perrone and two-year winner Tony S Keena
bull Starting Social Security Donrsquot make a mistake wwwSocialSecurityPlancombull Advanced investment principlesbull FRS planning wwwMYFRScomTitles Tony Perrone is the president and host of Now You Know a financial show on 965FM
Licenses Series 6 7 24 51 66 Life Health and Annuity
Our Regular Client Review Program (RCR) has made a diff erence with our clientele meeting with them every quarter face to face to review their current situation All advisors want to set up accounts but only a few want to monitor them year after year The Estate and Business Planning Group has eight special
client events per year to educate clientele on the current fi nancial environment and some are recreational events
ldquoYou have earned it we help you keep itrdquo
Listen to Now You Know at 900 am on Sundays
305 Douglas Avenue bull Altamonte Springs FL 32714Office (407) 389-1122 bull Toll-free (866) 669-8566
wwwdrophelpcom
Securities and Investment Advisory Services offered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not affiliated Additional products and services may be available through Estate and Business Planning Group that are not offered through AIC 5900O Street Lincoln NE 68510 (402)4676900
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
Michael A Fraher
Financial Advice AlignedWith Client Values
bull Retirement planning strategies
bull Tax planning strategies
bull Estate planning strategies
Financial Advisor Franchise Owner
MBA ChFCreg AEPreg CRPCreg LUTCF Left to right Christina Jones two-year winner Michael Fraher and Barbara De Bord
Michael believes success comes from defi ning your goals then following a disciplined approach Ameriprise Platinum Financial Servicesreg advisors hold industry-recognized fi nancial planning credentials and maintain a high level of client satisfaction He works closely with you to explore the full range of opportunities your wealth can bring and advises you on the best strategies for harnessing its potential Your well-being is about his superb service and passion for success
719 Peachtree Road Suite 100 Orlando FL 32804
Offi ce (407) 206-7487 michaelafraherampfcom
wwwameripriseadvisorscommichaelafraher
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success Brokerage investment and financial advisory services are made available through Ameriprise Financial Services Inc Member FINRA and SIPC Some products and services may not be available in all jurisdictions or to all clients
Two-
Year
Winn
er
Provident Financial Consulting Group
Values-Based Planning With Credentials and Experience
bull Trust
bull Integrity
bull Experience
T Kevin Taylor JD LLM President
S Kyle Taylor Principal Left to right Two-year winner S Kyle Taylor Shelli Ghezzi and two-year winner T Kevin Taylor
Provident is a team of professionals with broad credentials and experience implementing long-term disciplined strategies Kevin and Kyle assist individuals and business owners to evaluate their current situation and help defi ne future goals Before Provident Kevin practiced law focusing on tax estate and asset protection planning Kyle focuses on developing retirement income strategies for individuals Together they provide a team approach to help construct a truly comprehensive fi nancial plan
1407 East Robinson Street bull Orlando FL 32801 Phone (407) 872-3888
kevinprovidentconsultantcomkyle providentconsultantcom wwwprovidentconsultantcom
Securities and Investment Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Provident Financial Consulting LLC or Five Star Professional
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 9
SpeCial advertiSing SeCtiOn
250 S Park Ave Ste 500 Winter Park FL 32789 Direct (407) 740-4922 Toll-free (800) 829-5105 greggemchmssbcom Titles Vice President ndash Financial Advisor Portfolio Manager
Gregg A Emch
Twenty-four years of experience in the financial services industry practicing in Central Florida Wealth management with a comprehensive focus on creating a secure retirement My passion is developing life-long relationships built on trust and ethics
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
Two-
Year
Winn
er
220 E Central Pkwy Ste 3040 Altamonte Springs FL 32701 Phone (407) 478-0374 Ext 28 karenflynnraymondjamescom wwwraymondjamescomkarenflynn
Karen J Flynn
Business owners look to Karen to help them manage the investments in their companys qualified plans such as defined benefits 401(k) etc Through strategic partnerships Karen also helps with family succession or retirement exit planning strategies
Securities o ered through Raymond James Financial Services Inc member FINRASIPC
Chad A Warrick
5337 Millenia Lakes Blvd Ste 225Orlando FL 32839Offi ce (407) 656-2252 Ext 1010Toll-free (866) 977-2252cwarrickswmriacom
bull A recognized leader in wealth management bull Comprehensive and collaborative approach bull Proactive personal and detailed service
Title Senior Wealth Advisor
Solid Safe Growth and Trusted Advice
For more than a decade second-time Five Star Wealth Manager award winner Chad Warrick has served as the trusted advisor to individuals businesses and institutions Specializing in the areas of risk management investment and cash fl ow analysis and retirement and education planning Chadrsquos delivery of consistent and reliable performance and unbending client advocacy has contributed to a client retention rate far exceeding industry average Call us we can help
Two-
Year
Winn
er
305 Douglas Ave Altamonte Springs FL 32714 Office (407) 389-1122 Ext 228 Cell (407) 618-6435 TKeenaestateandbusinessnet wwwestateandbusinessgroupcom PartnerPrivate Wealth Manager
Tony S Keena
Providing services exclusively to high-net-worth and accredited investors in the following areas wealth management trust management retirement income planning trustee services asset preservation estate planning Securities and Investment Advisory Services o ered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not a liated Additional products and services may be available through Estate and Business Planning Group that are not
o ered through AIC 5900 O Street Lincoln NE 68510 (402) 467-6900
Two-
Year
Winn
er
Find a financial planner who will take the time to educate you eliminate the mystery and put you on the correct path
mdash Five Star award winner
Respect peoplersquos savings and how hard they
worked for itmdash Five Star award winner
7677 Dr Phillips BlvdOrlando FL 32819Direct (407) 226-3403Office (407) 237-4644AlexanderHernandezSunTrustcomwwwsuntrustcom
Alexander Hernandez
I a d v i s e o n t h e d e v e l o p m e n t a n d implementation of investment strategies to help clients meet their immediate and future goals I follow a disciplined process of assessing a clientrsquos financial situation determining risk tolerance and forming and executing an appropriate investment plan
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 5
SpeCial advertiSing SeCtiOn
Robert W Harvie
ldquoCustom Portfolios Are the
Hallmarks of Our Successrdquo
I welcome the opportunity to help meet your fi nancial goals and aspirations For more than 20 years clients have trusted us to advise them on comprehensive solutions to help them optimize preserve and pass on family wealth As a portfolio manager my team is qualifi ed to independently manage client assets based on training experience and commitment to service On a fully discretionary basis we identify and construct suitable investment portfolios in accordance with clientsrsquo needs and objectives Our investment services utilize one of the most customized approaches to portfolio management available in the investment industry today
Award-winning service and advice requires a dedicated qualifi ed experienced team My team includes Senior Client Associates Jennifer Baer and Meegan Kicklighter and Financial Advisors James Wesche Cindy Van Heyde Joe Kelly and Mike Murphy
To all our clients ldquoThank you for the many years of trust and confi dence which have made this award possible We look forward to our continued relationshiprdquo
250 South Park Avenue Suite 500 bull Winter Park FL 32789Office (407) 740-4924 bull Toll-free (800) 829-5105 bull Fax (407) 740-4983robertharviemssbcom bull wwwmorganstanleycomfarobertharvie
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
bull Dedicated to personalized client relationships
bull Qualifi ed based on training experience and commitment to service
bull Accessible on a one-on-one basis to each and every client
Titles Wealth Advisor Portfolio Management Director Senior Vice President
Designations CFPreg CIMAreg Senior Investment Management Consultant
Areas of Focus Professional Portfolio Management Municipal Bonds Endowments and Foundations
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 6 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
The Park Avenue Group at Morgan Stanley Smith Barney
A Culture of Excellence
Five Star award winner Timothy M Jernigan
Our vision is to foster multigenerational relationships that establish and achieve fi nancial goals through objective and holistic wealth planning Working with our clients and their trusted advisors Five Star award winner Timothy M Jernigan and his team create comprehensive wealth management strategies for a limited number of individuals and families of signifi cant wealth We place our clientsrsquo interest fi rst act with integrity and honesty and strive for excellence in every facet of our practice As of March 2012 The Park Avenue Group at Morgan Stanley Smith Barney manages approximately $250 million in assets
250 South Park Avenue Suite 500 bull Winter Park FL 32789Office (407) 740-4942
timothyjerniganmssbcom bull wwwmorganstanleycomfatheparkavenuegroup
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
bull Comprehensive wealth planning
bull Discretionary portfolio management
bull Concierge services
Timothy M Jernigan First Vice President Senior Portfolio Manager Wealth Advisor CERTIFIED FINANCIAL PLANNERtrade Kent Akins First Vice President Senior Portfolio Manager Wealth Advisor Chartered Financial Analystreg Jennifer Baer Senior Registered Associate Meegan Kicklighter Senior Client Service Associate
Some of the best minds on Wall Street will be working with you
Left to right Jennifer Baer Five Star award winner Timothy M Jernigan Meegan Kicklighter Kent Akins
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 7
SpeCial advertiSing SeCtiOn
Tony PerroneEstate and Business Planning Group Wealth Managers
Money Management Estate and Tax PlanningStrategies
Left to right Seated Je Heard Je Green Standing Jim Greene Five Star award winner Tony Perrone and two-year winner Tony S Keena
bull Starting Social Security Donrsquot make a mistake wwwSocialSecurityPlancombull Advanced investment principlesbull FRS planning wwwMYFRScomTitles Tony Perrone is the president and host of Now You Know a financial show on 965FM
Licenses Series 6 7 24 51 66 Life Health and Annuity
Our Regular Client Review Program (RCR) has made a diff erence with our clientele meeting with them every quarter face to face to review their current situation All advisors want to set up accounts but only a few want to monitor them year after year The Estate and Business Planning Group has eight special
client events per year to educate clientele on the current fi nancial environment and some are recreational events
ldquoYou have earned it we help you keep itrdquo
Listen to Now You Know at 900 am on Sundays
305 Douglas Avenue bull Altamonte Springs FL 32714Office (407) 389-1122 bull Toll-free (866) 669-8566
wwwdrophelpcom
Securities and Investment Advisory Services offered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not affiliated Additional products and services may be available through Estate and Business Planning Group that are not offered through AIC 5900O Street Lincoln NE 68510 (402)4676900
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
Michael A Fraher
Financial Advice AlignedWith Client Values
bull Retirement planning strategies
bull Tax planning strategies
bull Estate planning strategies
Financial Advisor Franchise Owner
MBA ChFCreg AEPreg CRPCreg LUTCF Left to right Christina Jones two-year winner Michael Fraher and Barbara De Bord
Michael believes success comes from defi ning your goals then following a disciplined approach Ameriprise Platinum Financial Servicesreg advisors hold industry-recognized fi nancial planning credentials and maintain a high level of client satisfaction He works closely with you to explore the full range of opportunities your wealth can bring and advises you on the best strategies for harnessing its potential Your well-being is about his superb service and passion for success
719 Peachtree Road Suite 100 Orlando FL 32804
Offi ce (407) 206-7487 michaelafraherampfcom
wwwameripriseadvisorscommichaelafraher
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success Brokerage investment and financial advisory services are made available through Ameriprise Financial Services Inc Member FINRA and SIPC Some products and services may not be available in all jurisdictions or to all clients
Two-
Year
Winn
er
Provident Financial Consulting Group
Values-Based Planning With Credentials and Experience
bull Trust
bull Integrity
bull Experience
T Kevin Taylor JD LLM President
S Kyle Taylor Principal Left to right Two-year winner S Kyle Taylor Shelli Ghezzi and two-year winner T Kevin Taylor
Provident is a team of professionals with broad credentials and experience implementing long-term disciplined strategies Kevin and Kyle assist individuals and business owners to evaluate their current situation and help defi ne future goals Before Provident Kevin practiced law focusing on tax estate and asset protection planning Kyle focuses on developing retirement income strategies for individuals Together they provide a team approach to help construct a truly comprehensive fi nancial plan
1407 East Robinson Street bull Orlando FL 32801 Phone (407) 872-3888
kevinprovidentconsultantcomkyle providentconsultantcom wwwprovidentconsultantcom
Securities and Investment Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Provident Financial Consulting LLC or Five Star Professional
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 9
SpeCial advertiSing SeCtiOn
250 S Park Ave Ste 500 Winter Park FL 32789 Direct (407) 740-4922 Toll-free (800) 829-5105 greggemchmssbcom Titles Vice President ndash Financial Advisor Portfolio Manager
Gregg A Emch
Twenty-four years of experience in the financial services industry practicing in Central Florida Wealth management with a comprehensive focus on creating a secure retirement My passion is developing life-long relationships built on trust and ethics
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
Two-
Year
Winn
er
220 E Central Pkwy Ste 3040 Altamonte Springs FL 32701 Phone (407) 478-0374 Ext 28 karenflynnraymondjamescom wwwraymondjamescomkarenflynn
Karen J Flynn
Business owners look to Karen to help them manage the investments in their companys qualified plans such as defined benefits 401(k) etc Through strategic partnerships Karen also helps with family succession or retirement exit planning strategies
Securities o ered through Raymond James Financial Services Inc member FINRASIPC
Chad A Warrick
5337 Millenia Lakes Blvd Ste 225Orlando FL 32839Offi ce (407) 656-2252 Ext 1010Toll-free (866) 977-2252cwarrickswmriacom
bull A recognized leader in wealth management bull Comprehensive and collaborative approach bull Proactive personal and detailed service
Title Senior Wealth Advisor
Solid Safe Growth and Trusted Advice
For more than a decade second-time Five Star Wealth Manager award winner Chad Warrick has served as the trusted advisor to individuals businesses and institutions Specializing in the areas of risk management investment and cash fl ow analysis and retirement and education planning Chadrsquos delivery of consistent and reliable performance and unbending client advocacy has contributed to a client retention rate far exceeding industry average Call us we can help
Two-
Year
Winn
er
305 Douglas Ave Altamonte Springs FL 32714 Office (407) 389-1122 Ext 228 Cell (407) 618-6435 TKeenaestateandbusinessnet wwwestateandbusinessgroupcom PartnerPrivate Wealth Manager
Tony S Keena
Providing services exclusively to high-net-worth and accredited investors in the following areas wealth management trust management retirement income planning trustee services asset preservation estate planning Securities and Investment Advisory Services o ered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not a liated Additional products and services may be available through Estate and Business Planning Group that are not
o ered through AIC 5900 O Street Lincoln NE 68510 (402) 467-6900
Two-
Year
Winn
er
Find a financial planner who will take the time to educate you eliminate the mystery and put you on the correct path
mdash Five Star award winner
Respect peoplersquos savings and how hard they
worked for itmdash Five Star award winner
7677 Dr Phillips BlvdOrlando FL 32819Direct (407) 226-3403Office (407) 237-4644AlexanderHernandezSunTrustcomwwwsuntrustcom
Alexander Hernandez
I a d v i s e o n t h e d e v e l o p m e n t a n d implementation of investment strategies to help clients meet their immediate and future goals I follow a disciplined process of assessing a clientrsquos financial situation determining risk tolerance and forming and executing an appropriate investment plan
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 6 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
The Park Avenue Group at Morgan Stanley Smith Barney
A Culture of Excellence
Five Star award winner Timothy M Jernigan
Our vision is to foster multigenerational relationships that establish and achieve fi nancial goals through objective and holistic wealth planning Working with our clients and their trusted advisors Five Star award winner Timothy M Jernigan and his team create comprehensive wealth management strategies for a limited number of individuals and families of signifi cant wealth We place our clientsrsquo interest fi rst act with integrity and honesty and strive for excellence in every facet of our practice As of March 2012 The Park Avenue Group at Morgan Stanley Smith Barney manages approximately $250 million in assets
250 South Park Avenue Suite 500 bull Winter Park FL 32789Office (407) 740-4942
timothyjerniganmssbcom bull wwwmorganstanleycomfatheparkavenuegroup
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
bull Comprehensive wealth planning
bull Discretionary portfolio management
bull Concierge services
Timothy M Jernigan First Vice President Senior Portfolio Manager Wealth Advisor CERTIFIED FINANCIAL PLANNERtrade Kent Akins First Vice President Senior Portfolio Manager Wealth Advisor Chartered Financial Analystreg Jennifer Baer Senior Registered Associate Meegan Kicklighter Senior Client Service Associate
Some of the best minds on Wall Street will be working with you
Left to right Jennifer Baer Five Star award winner Timothy M Jernigan Meegan Kicklighter Kent Akins
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 7
SpeCial advertiSing SeCtiOn
Tony PerroneEstate and Business Planning Group Wealth Managers
Money Management Estate and Tax PlanningStrategies
Left to right Seated Je Heard Je Green Standing Jim Greene Five Star award winner Tony Perrone and two-year winner Tony S Keena
bull Starting Social Security Donrsquot make a mistake wwwSocialSecurityPlancombull Advanced investment principlesbull FRS planning wwwMYFRScomTitles Tony Perrone is the president and host of Now You Know a financial show on 965FM
Licenses Series 6 7 24 51 66 Life Health and Annuity
Our Regular Client Review Program (RCR) has made a diff erence with our clientele meeting with them every quarter face to face to review their current situation All advisors want to set up accounts but only a few want to monitor them year after year The Estate and Business Planning Group has eight special
client events per year to educate clientele on the current fi nancial environment and some are recreational events
ldquoYou have earned it we help you keep itrdquo
Listen to Now You Know at 900 am on Sundays
305 Douglas Avenue bull Altamonte Springs FL 32714Office (407) 389-1122 bull Toll-free (866) 669-8566
wwwdrophelpcom
Securities and Investment Advisory Services offered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not affiliated Additional products and services may be available through Estate and Business Planning Group that are not offered through AIC 5900O Street Lincoln NE 68510 (402)4676900
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
Michael A Fraher
Financial Advice AlignedWith Client Values
bull Retirement planning strategies
bull Tax planning strategies
bull Estate planning strategies
Financial Advisor Franchise Owner
MBA ChFCreg AEPreg CRPCreg LUTCF Left to right Christina Jones two-year winner Michael Fraher and Barbara De Bord
Michael believes success comes from defi ning your goals then following a disciplined approach Ameriprise Platinum Financial Servicesreg advisors hold industry-recognized fi nancial planning credentials and maintain a high level of client satisfaction He works closely with you to explore the full range of opportunities your wealth can bring and advises you on the best strategies for harnessing its potential Your well-being is about his superb service and passion for success
719 Peachtree Road Suite 100 Orlando FL 32804
Offi ce (407) 206-7487 michaelafraherampfcom
wwwameripriseadvisorscommichaelafraher
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success Brokerage investment and financial advisory services are made available through Ameriprise Financial Services Inc Member FINRA and SIPC Some products and services may not be available in all jurisdictions or to all clients
Two-
Year
Winn
er
Provident Financial Consulting Group
Values-Based Planning With Credentials and Experience
bull Trust
bull Integrity
bull Experience
T Kevin Taylor JD LLM President
S Kyle Taylor Principal Left to right Two-year winner S Kyle Taylor Shelli Ghezzi and two-year winner T Kevin Taylor
Provident is a team of professionals with broad credentials and experience implementing long-term disciplined strategies Kevin and Kyle assist individuals and business owners to evaluate their current situation and help defi ne future goals Before Provident Kevin practiced law focusing on tax estate and asset protection planning Kyle focuses on developing retirement income strategies for individuals Together they provide a team approach to help construct a truly comprehensive fi nancial plan
1407 East Robinson Street bull Orlando FL 32801 Phone (407) 872-3888
kevinprovidentconsultantcomkyle providentconsultantcom wwwprovidentconsultantcom
Securities and Investment Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Provident Financial Consulting LLC or Five Star Professional
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 9
SpeCial advertiSing SeCtiOn
250 S Park Ave Ste 500 Winter Park FL 32789 Direct (407) 740-4922 Toll-free (800) 829-5105 greggemchmssbcom Titles Vice President ndash Financial Advisor Portfolio Manager
Gregg A Emch
Twenty-four years of experience in the financial services industry practicing in Central Florida Wealth management with a comprehensive focus on creating a secure retirement My passion is developing life-long relationships built on trust and ethics
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
Two-
Year
Winn
er
220 E Central Pkwy Ste 3040 Altamonte Springs FL 32701 Phone (407) 478-0374 Ext 28 karenflynnraymondjamescom wwwraymondjamescomkarenflynn
Karen J Flynn
Business owners look to Karen to help them manage the investments in their companys qualified plans such as defined benefits 401(k) etc Through strategic partnerships Karen also helps with family succession or retirement exit planning strategies
Securities o ered through Raymond James Financial Services Inc member FINRASIPC
Chad A Warrick
5337 Millenia Lakes Blvd Ste 225Orlando FL 32839Offi ce (407) 656-2252 Ext 1010Toll-free (866) 977-2252cwarrickswmriacom
bull A recognized leader in wealth management bull Comprehensive and collaborative approach bull Proactive personal and detailed service
Title Senior Wealth Advisor
Solid Safe Growth and Trusted Advice
For more than a decade second-time Five Star Wealth Manager award winner Chad Warrick has served as the trusted advisor to individuals businesses and institutions Specializing in the areas of risk management investment and cash fl ow analysis and retirement and education planning Chadrsquos delivery of consistent and reliable performance and unbending client advocacy has contributed to a client retention rate far exceeding industry average Call us we can help
Two-
Year
Winn
er
305 Douglas Ave Altamonte Springs FL 32714 Office (407) 389-1122 Ext 228 Cell (407) 618-6435 TKeenaestateandbusinessnet wwwestateandbusinessgroupcom PartnerPrivate Wealth Manager
Tony S Keena
Providing services exclusively to high-net-worth and accredited investors in the following areas wealth management trust management retirement income planning trustee services asset preservation estate planning Securities and Investment Advisory Services o ered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not a liated Additional products and services may be available through Estate and Business Planning Group that are not
o ered through AIC 5900 O Street Lincoln NE 68510 (402) 467-6900
Two-
Year
Winn
er
Find a financial planner who will take the time to educate you eliminate the mystery and put you on the correct path
mdash Five Star award winner
Respect peoplersquos savings and how hard they
worked for itmdash Five Star award winner
7677 Dr Phillips BlvdOrlando FL 32819Direct (407) 226-3403Office (407) 237-4644AlexanderHernandezSunTrustcomwwwsuntrustcom
Alexander Hernandez
I a d v i s e o n t h e d e v e l o p m e n t a n d implementation of investment strategies to help clients meet their immediate and future goals I follow a disciplined process of assessing a clientrsquos financial situation determining risk tolerance and forming and executing an appropriate investment plan
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 7
SpeCial advertiSing SeCtiOn
Tony PerroneEstate and Business Planning Group Wealth Managers
Money Management Estate and Tax PlanningStrategies
Left to right Seated Je Heard Je Green Standing Jim Greene Five Star award winner Tony Perrone and two-year winner Tony S Keena
bull Starting Social Security Donrsquot make a mistake wwwSocialSecurityPlancombull Advanced investment principlesbull FRS planning wwwMYFRScomTitles Tony Perrone is the president and host of Now You Know a financial show on 965FM
Licenses Series 6 7 24 51 66 Life Health and Annuity
Our Regular Client Review Program (RCR) has made a diff erence with our clientele meeting with them every quarter face to face to review their current situation All advisors want to set up accounts but only a few want to monitor them year after year The Estate and Business Planning Group has eight special
client events per year to educate clientele on the current fi nancial environment and some are recreational events
ldquoYou have earned it we help you keep itrdquo
Listen to Now You Know at 900 am on Sundays
305 Douglas Avenue bull Altamonte Springs FL 32714Office (407) 389-1122 bull Toll-free (866) 669-8566
wwwdrophelpcom
Securities and Investment Advisory Services offered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not affiliated Additional products and services may be available through Estate and Business Planning Group that are not offered through AIC 5900O Street Lincoln NE 68510 (402)4676900
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
Michael A Fraher
Financial Advice AlignedWith Client Values
bull Retirement planning strategies
bull Tax planning strategies
bull Estate planning strategies
Financial Advisor Franchise Owner
MBA ChFCreg AEPreg CRPCreg LUTCF Left to right Christina Jones two-year winner Michael Fraher and Barbara De Bord
Michael believes success comes from defi ning your goals then following a disciplined approach Ameriprise Platinum Financial Servicesreg advisors hold industry-recognized fi nancial planning credentials and maintain a high level of client satisfaction He works closely with you to explore the full range of opportunities your wealth can bring and advises you on the best strategies for harnessing its potential Your well-being is about his superb service and passion for success
719 Peachtree Road Suite 100 Orlando FL 32804
Offi ce (407) 206-7487 michaelafraherampfcom
wwwameripriseadvisorscommichaelafraher
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success Brokerage investment and financial advisory services are made available through Ameriprise Financial Services Inc Member FINRA and SIPC Some products and services may not be available in all jurisdictions or to all clients
Two-
Year
Winn
er
Provident Financial Consulting Group
Values-Based Planning With Credentials and Experience
bull Trust
bull Integrity
bull Experience
T Kevin Taylor JD LLM President
S Kyle Taylor Principal Left to right Two-year winner S Kyle Taylor Shelli Ghezzi and two-year winner T Kevin Taylor
Provident is a team of professionals with broad credentials and experience implementing long-term disciplined strategies Kevin and Kyle assist individuals and business owners to evaluate their current situation and help defi ne future goals Before Provident Kevin practiced law focusing on tax estate and asset protection planning Kyle focuses on developing retirement income strategies for individuals Together they provide a team approach to help construct a truly comprehensive fi nancial plan
1407 East Robinson Street bull Orlando FL 32801 Phone (407) 872-3888
kevinprovidentconsultantcomkyle providentconsultantcom wwwprovidentconsultantcom
Securities and Investment Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Provident Financial Consulting LLC or Five Star Professional
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 9
SpeCial advertiSing SeCtiOn
250 S Park Ave Ste 500 Winter Park FL 32789 Direct (407) 740-4922 Toll-free (800) 829-5105 greggemchmssbcom Titles Vice President ndash Financial Advisor Portfolio Manager
Gregg A Emch
Twenty-four years of experience in the financial services industry practicing in Central Florida Wealth management with a comprehensive focus on creating a secure retirement My passion is developing life-long relationships built on trust and ethics
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
Two-
Year
Winn
er
220 E Central Pkwy Ste 3040 Altamonte Springs FL 32701 Phone (407) 478-0374 Ext 28 karenflynnraymondjamescom wwwraymondjamescomkarenflynn
Karen J Flynn
Business owners look to Karen to help them manage the investments in their companys qualified plans such as defined benefits 401(k) etc Through strategic partnerships Karen also helps with family succession or retirement exit planning strategies
Securities o ered through Raymond James Financial Services Inc member FINRASIPC
Chad A Warrick
5337 Millenia Lakes Blvd Ste 225Orlando FL 32839Offi ce (407) 656-2252 Ext 1010Toll-free (866) 977-2252cwarrickswmriacom
bull A recognized leader in wealth management bull Comprehensive and collaborative approach bull Proactive personal and detailed service
Title Senior Wealth Advisor
Solid Safe Growth and Trusted Advice
For more than a decade second-time Five Star Wealth Manager award winner Chad Warrick has served as the trusted advisor to individuals businesses and institutions Specializing in the areas of risk management investment and cash fl ow analysis and retirement and education planning Chadrsquos delivery of consistent and reliable performance and unbending client advocacy has contributed to a client retention rate far exceeding industry average Call us we can help
Two-
Year
Winn
er
305 Douglas Ave Altamonte Springs FL 32714 Office (407) 389-1122 Ext 228 Cell (407) 618-6435 TKeenaestateandbusinessnet wwwestateandbusinessgroupcom PartnerPrivate Wealth Manager
Tony S Keena
Providing services exclusively to high-net-worth and accredited investors in the following areas wealth management trust management retirement income planning trustee services asset preservation estate planning Securities and Investment Advisory Services o ered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not a liated Additional products and services may be available through Estate and Business Planning Group that are not
o ered through AIC 5900 O Street Lincoln NE 68510 (402) 467-6900
Two-
Year
Winn
er
Find a financial planner who will take the time to educate you eliminate the mystery and put you on the correct path
mdash Five Star award winner
Respect peoplersquos savings and how hard they
worked for itmdash Five Star award winner
7677 Dr Phillips BlvdOrlando FL 32819Direct (407) 226-3403Office (407) 237-4644AlexanderHernandezSunTrustcomwwwsuntrustcom
Alexander Hernandez
I a d v i s e o n t h e d e v e l o p m e n t a n d implementation of investment strategies to help clients meet their immediate and future goals I follow a disciplined process of assessing a clientrsquos financial situation determining risk tolerance and forming and executing an appropriate investment plan
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
2012 Five Star Wealth
Man
agers
FS 8 mdash Five Star award information wwwfivestarprofessionalcom
SpeCial advertiSing SeCtiOn
Michael A Fraher
Financial Advice AlignedWith Client Values
bull Retirement planning strategies
bull Tax planning strategies
bull Estate planning strategies
Financial Advisor Franchise Owner
MBA ChFCreg AEPreg CRPCreg LUTCF Left to right Christina Jones two-year winner Michael Fraher and Barbara De Bord
Michael believes success comes from defi ning your goals then following a disciplined approach Ameriprise Platinum Financial Servicesreg advisors hold industry-recognized fi nancial planning credentials and maintain a high level of client satisfaction He works closely with you to explore the full range of opportunities your wealth can bring and advises you on the best strategies for harnessing its potential Your well-being is about his superb service and passion for success
719 Peachtree Road Suite 100 Orlando FL 32804
Offi ce (407) 206-7487 michaelafraherampfcom
wwwameripriseadvisorscommichaelafraher
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success Brokerage investment and financial advisory services are made available through Ameriprise Financial Services Inc Member FINRA and SIPC Some products and services may not be available in all jurisdictions or to all clients
Two-
Year
Winn
er
Provident Financial Consulting Group
Values-Based Planning With Credentials and Experience
bull Trust
bull Integrity
bull Experience
T Kevin Taylor JD LLM President
S Kyle Taylor Principal Left to right Two-year winner S Kyle Taylor Shelli Ghezzi and two-year winner T Kevin Taylor
Provident is a team of professionals with broad credentials and experience implementing long-term disciplined strategies Kevin and Kyle assist individuals and business owners to evaluate their current situation and help defi ne future goals Before Provident Kevin practiced law focusing on tax estate and asset protection planning Kyle focuses on developing retirement income strategies for individuals Together they provide a team approach to help construct a truly comprehensive fi nancial plan
1407 East Robinson Street bull Orlando FL 32801 Phone (407) 872-3888
kevinprovidentconsultantcomkyle providentconsultantcom wwwprovidentconsultantcom
Securities and Investment Advisory Services offered through NFP Securities Inc Member FINRASIPC NFP Securities Inc is not affiliated with Provident Financial Consulting LLC or Five Star Professional
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 9
SpeCial advertiSing SeCtiOn
250 S Park Ave Ste 500 Winter Park FL 32789 Direct (407) 740-4922 Toll-free (800) 829-5105 greggemchmssbcom Titles Vice President ndash Financial Advisor Portfolio Manager
Gregg A Emch
Twenty-four years of experience in the financial services industry practicing in Central Florida Wealth management with a comprehensive focus on creating a secure retirement My passion is developing life-long relationships built on trust and ethics
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
Two-
Year
Winn
er
220 E Central Pkwy Ste 3040 Altamonte Springs FL 32701 Phone (407) 478-0374 Ext 28 karenflynnraymondjamescom wwwraymondjamescomkarenflynn
Karen J Flynn
Business owners look to Karen to help them manage the investments in their companys qualified plans such as defined benefits 401(k) etc Through strategic partnerships Karen also helps with family succession or retirement exit planning strategies
Securities o ered through Raymond James Financial Services Inc member FINRASIPC
Chad A Warrick
5337 Millenia Lakes Blvd Ste 225Orlando FL 32839Offi ce (407) 656-2252 Ext 1010Toll-free (866) 977-2252cwarrickswmriacom
bull A recognized leader in wealth management bull Comprehensive and collaborative approach bull Proactive personal and detailed service
Title Senior Wealth Advisor
Solid Safe Growth and Trusted Advice
For more than a decade second-time Five Star Wealth Manager award winner Chad Warrick has served as the trusted advisor to individuals businesses and institutions Specializing in the areas of risk management investment and cash fl ow analysis and retirement and education planning Chadrsquos delivery of consistent and reliable performance and unbending client advocacy has contributed to a client retention rate far exceeding industry average Call us we can help
Two-
Year
Winn
er
305 Douglas Ave Altamonte Springs FL 32714 Office (407) 389-1122 Ext 228 Cell (407) 618-6435 TKeenaestateandbusinessnet wwwestateandbusinessgroupcom PartnerPrivate Wealth Manager
Tony S Keena
Providing services exclusively to high-net-worth and accredited investors in the following areas wealth management trust management retirement income planning trustee services asset preservation estate planning Securities and Investment Advisory Services o ered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not a liated Additional products and services may be available through Estate and Business Planning Group that are not
o ered through AIC 5900 O Street Lincoln NE 68510 (402) 467-6900
Two-
Year
Winn
er
Find a financial planner who will take the time to educate you eliminate the mystery and put you on the correct path
mdash Five Star award winner
Respect peoplersquos savings and how hard they
worked for itmdash Five Star award winner
7677 Dr Phillips BlvdOrlando FL 32819Direct (407) 226-3403Office (407) 237-4644AlexanderHernandezSunTrustcomwwwsuntrustcom
Alexander Hernandez
I a d v i s e o n t h e d e v e l o p m e n t a n d implementation of investment strategies to help clients meet their immediate and future goals I follow a disciplined process of assessing a clientrsquos financial situation determining risk tolerance and forming and executing an appropriate investment plan
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
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Star P
rofess
ional
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Star P
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Star P
rofess
ional
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Star P
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ional
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Star P
rofess
ional
2012 Five Star Wealth
Man
agers
wwwfivestarprofessionalcom Five Star award information mdash FS 9
SpeCial advertiSing SeCtiOn
250 S Park Ave Ste 500 Winter Park FL 32789 Direct (407) 740-4922 Toll-free (800) 829-5105 greggemchmssbcom Titles Vice President ndash Financial Advisor Portfolio Manager
Gregg A Emch
Twenty-four years of experience in the financial services industry practicing in Central Florida Wealth management with a comprehensive focus on creating a secure retirement My passion is developing life-long relationships built on trust and ethics
copy 2012 Morgan Stanley Smith Barney LLC Member SIPC
Two-
Year
Winn
er
220 E Central Pkwy Ste 3040 Altamonte Springs FL 32701 Phone (407) 478-0374 Ext 28 karenflynnraymondjamescom wwwraymondjamescomkarenflynn
Karen J Flynn
Business owners look to Karen to help them manage the investments in their companys qualified plans such as defined benefits 401(k) etc Through strategic partnerships Karen also helps with family succession or retirement exit planning strategies
Securities o ered through Raymond James Financial Services Inc member FINRASIPC
Chad A Warrick
5337 Millenia Lakes Blvd Ste 225Orlando FL 32839Offi ce (407) 656-2252 Ext 1010Toll-free (866) 977-2252cwarrickswmriacom
bull A recognized leader in wealth management bull Comprehensive and collaborative approach bull Proactive personal and detailed service
Title Senior Wealth Advisor
Solid Safe Growth and Trusted Advice
For more than a decade second-time Five Star Wealth Manager award winner Chad Warrick has served as the trusted advisor to individuals businesses and institutions Specializing in the areas of risk management investment and cash fl ow analysis and retirement and education planning Chadrsquos delivery of consistent and reliable performance and unbending client advocacy has contributed to a client retention rate far exceeding industry average Call us we can help
Two-
Year
Winn
er
305 Douglas Ave Altamonte Springs FL 32714 Office (407) 389-1122 Ext 228 Cell (407) 618-6435 TKeenaestateandbusinessnet wwwestateandbusinessgroupcom PartnerPrivate Wealth Manager
Tony S Keena
Providing services exclusively to high-net-worth and accredited investors in the following areas wealth management trust management retirement income planning trustee services asset preservation estate planning Securities and Investment Advisory Services o ered solely through Ameritas Investment Corp (AIC) Member FINRA SIPC AIC and Estate and Business Planning Group are not a liated Additional products and services may be available through Estate and Business Planning Group that are not
o ered through AIC 5900 O Street Lincoln NE 68510 (402) 467-6900
Two-
Year
Winn
er
Find a financial planner who will take the time to educate you eliminate the mystery and put you on the correct path
mdash Five Star award winner
Respect peoplersquos savings and how hard they
worked for itmdash Five Star award winner
7677 Dr Phillips BlvdOrlando FL 32819Direct (407) 226-3403Office (407) 237-4644AlexanderHernandezSunTrustcomwwwsuntrustcom
Alexander Hernandez
I a d v i s e o n t h e d e v e l o p m e n t a n d implementation of investment strategies to help clients meet their immediate and future goals I follow a disciplined process of assessing a clientrsquos financial situation determining risk tolerance and forming and executing an appropriate investment plan
Two-
Year
Winn
er
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
copy Five
Star P
rofess
ional
