Specialty:
Michael’s area of expertise is in two main areas: portfolio management and retirement planning. As a Certified Financial Planner™ professional, he does financial planning with an emphasis on retirement planning and portfolio management. Each customized financial plan evaluates the client’s current position, and provides the steps needed to help them achieve their personal goals and achieve the financial independence needed for retirement.
Michael believes in the principles of Modern Portfolio Theory which uses asset allocation methodology to design a client’s investment portfolio. A client’s unique personal objectives, expectations, and risk tolerance are reflected in each customized portfolio. Portfolios are monitored and reports are given to clients each quarter*.
Client relationships built on trust, integrity, and service, and always doing what is in the best interest of the client are guiding principles in Michael’s practice.
Education:
Michael received his AA degree in Computer Science from Chaffey College in 1971. He received his Bachelor of Arts degree in Recreation Administration from California State University, Chico in 1974.
Michael received his Certified Financial Planner (CFP®) designation from the College for Financial Planning in Denver, Colorado in 1986. Michael is also a Certified Kingdom Advisor (CKA®)**. Continuing professional education is completed each year to keep licenses and designations current, and to stay up to date on the latest information in financial planning and investment management.
Family:
Married for over 45 years, Michael and his wife Janice enjoy spending time with their son and daughter and their two young granddaughters.
Personal Interests:
Michael enjoys tennis, baseball, live theater, genealogy, and “fixing things”. He has a heart for supporting his church and various other charities.
Why at LCM:
Michael is a founding principal of Liberty Capital Management. He has a goal of helping to build a company based on the highest level of integrity, professionalism, and client service. At LCM, he is proud to be associated with other advisors and staff with the same values.
Licenses and Registrations:
As a registered representative of Royal Alliance Associates, Inc. Michael holds Series 7, 24, 63, and 65 securities registrations. He is registered to transact securities in many states (see below). Michael is also licensed in California for life, disability, and long term care insurance, CA Insurance License # 0720952.
Associations:
Michael is a member of the Financial Planning Association and Kingdom Advisors.
States in Which Licenses are Held:
Michael holds licenses in the states of Arizona, California, Colorado, Georgia, Hawaii, Idaho, Missouri, Montana, Nevada, Oregon, South Carolina, Texas, and Washington.
*Investing involves risk including the potential loss of principal. No investment strategy, such as asset allocation and diversification, can guarantee a profit or protect against loss in periods of declining values. Rebalancing investments may cause investors to incur transaction costs and, when rebalancing a non-retirement account, taxable events will be created that may increase your tax liability. Rebalancing a portfolio cannot assure a profit or protect against a loss in any given market environment.
**Certified Kingdom Advisors® is a professional membership community that incorporates biblical principles in the advice they give to clients. The issuing organization is Kingdom Advisor, Inc. Additional information is available at kingdomadvisors.com.