The 250 Best Financial Advisers The brightest in the business are

The 250 Best Financial Advisers The brightest in the business are mitigating risk
and managing uncertainty. Here are their Best iaeas.
By Melissa Phipps
PHOTOGRAPHS BY ZUB IN SHROFF
BEST FINANCIAL ADVISERS
AVG CliENT
NET WORTH
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Vitale Caturano & Co.
Boston
Bloom Asset Management
Pacific Advisory Services
Capelli Financial Services Inc.
Center for Financial Planning
Integrated Financial Strategies Group
Secure Planning Associates
Cambridge Connection
Zhang & Associates (Am Ex)
Farmington Hills
Birmingham
Bloomfield Hills
Southfield
Ann Arbor
Southfield
Franklin
Portage
Klosterman, Robert (CFP, ChFC, CLU)
Levin, Ross (CFP)§
Stiles, Susan M. (CFP, MBA)'
Wade, Jerry (CFP)
White Oaks Wealth Advisors
Accredited Investors
Stiles Financial Services
Wade Financial Group
Minneapolis
Edina
Minnetonka
Minneapolis
Lottridge Anderson, Nancy (CFA)
Medley, Tim (CFP)
New Perspectives
Medley & Brown
Clinton
Ridgeland
Blair, James (CFP)t
Starr, Wayne (CFP, ChFC, CLU, MBA)
Moneta Group
BKD Investment Advisors
Clayton
Kansas City
Carson, Ronald (CFP, ChFC)
Carson Feltz Wealth Mgmt. Group
Omaha
Schultz, Vicki (CFP, MBA)
Schultz & Schultz
Ballentine, Roy (CFP, ChFC)
Ballentine, Finn & Company
Wolfeboro
RegentAtlantic Capital
RegentAtlantic Capital
Macro Consulting Group
Merrill Lynch
Hamel Associates
Premier Financial Planning
Kiely Capital Management
GlobaiValue Investors
Lassus Wherley & Associates
Leupold Financial Planning Associates
Pinnacle Financial Advisors
EKS Associates
Zdenek Financial Planning
Chatham
Chatham
Vitale, Richard (CPA, MST, PFS)
Bloom, Richard (CPA, JD)
Buczak, Douglas (JD) •
Dimitroff, Marilyn Capelli (CFP)
Gunther, Marilyn (CFP) •
McDonald, R. Griffith (MBA)t
Rajput, Minoti (CFP, MBA)'
Whitehead, Bert (JD, MBA)
Zhang, Charles C. (CFP, ChFC, CLU, MBA)
Bugen, David (CFP, MBA)
Cordaro, Christopher (CFA, CFP, MBA)§
Cortazzo, Mark (CFP)t
Frazier, Deborah (MBA)
Hamel, Pat (CPA)
Herrstrom, Constance (CFP, MBA)
Kiely, Bernard (CFP, CPA, MBA)
Kolluri, Ram (CFP, MBA)
Lassus, Diahann (CFP, CPA, MBA)
Leupold, George (CFP, ChFC)'
Scheyer, Harry (CFP, CPA, PFS)
' Szymanski, Eleanore (CFP)
' Zdenek, Albert (CPA, PFS)
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TELEPHONE
CITY
FIRM
NAME (CREDENTIALS)
617-912-9000
$5 million
248-932-5200
248-642-6880
248-594-9282
248-948-7900
734-662-7867
248-350-3400
248-737-7090
' 616-385-1488
2.5 million
700,000
1 million
1.75 million
3.5 million
1.5 million
952-593-1761
952-841-2222
952-988-0452
612-797-9577
4million
1.2 million
'
Reno
'
973-451-9400
732-632-5840
973-758-1400
609-924-2424
973-455-1894
609-452-2929
908-464-0102
856-424-2233
800-504-5040
609-921-1016
908-782-1600
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3 million
2million
2 million
5 million
1.2 million
1.5 million
2 million
2.25 million
1 million
1.5 million
Rikoon, Robert (MBA)
Stanley, Virginia (CFP, CPA, PFS)
Joel isaacson & Co.
Altmark, Stanley (CFP, CPA, PFS)
Merrill Lynch Private Client Group
Arpin-Begina, Michelle (CFP)'
Merrill Lynch Private Client Group
Borenstein, Gilda (CFA)'
Boyer Kennedy, Paula (CFP, CPA, MBA, PFS) ! Joel isaacson & Co.
Mellon Advisor Services (Dreyfus)
Capek, Sandra (MBA)t
Wachovia Securities
Cotto, Jamest
Joel isaacson & Co.
Isaacson, Joel (CFP, CPA)
Citigroup Private Bank
Jensen, Joanne
Novas Planning Associates
Novack, Madeline (CFP)
Ogorek Wealth Management
Ogorek, Anthony (CFP)
Ernst & Young
Raasch, Barbara (CFA, CPA, PFS)
R.W. Roge & Company
Roge, Ronald (CFP)
Rutherford Asset Planning
Rutherford, Ronald (CFP, MBA)
IFC Personal Money Managers
Schatsky, Gary
Mark J. Snyder Financial Services
Snyder, Mark (CFA, ChFC, CLU)t
New York City
Bohemia
New York City
New York City
Medford
212-302-6300
212-236-0271
914-682-5519
212-302-6300
516-876-1708
914-241-8142
212-302-6300
212-559-5555
212-355-1806
716-626-5000
212-773-5460
631-218-0077
' 212-836-4343
212-721-8713
631-289-4224
3 million
1.5 million
6 million
100 million
3 million
2 million
25 million
5 million
3 million
2.5 million
1 million
Almond, Giles (CFP, CPA, PFS)
Boyer, Wm. Barton (CFP)
Carroll, Larry (CFP, MBA)t
Rinehart, Mary (CFP)
Matrix Wealth Advisors
Parsec Financial Management
Carroll Financial Associates
Rinehart & Associates
Charlotte
Asheville
Charlotte
Charlotte
704-358-3322
888-877-1 012
704-553-8006
704-37 4-0646
1 million
2million
1.5 million
900,000
Boling, Ellen (CFP)
Brown, Martin "Bo" (CFP) •
Budros, James (CFP, MBA, MFS)
Chasnoff, Michael (CFP)
Gydosh, Paul, Jr. (CFP, MBA)'
Myeroff, Kevin (CFP, CPA, PFS)t
Deloitte & Touche
M.K. Brown & Associates
Budros & Ruhlin
Advanced Capital Strategies
Kensington Wealth Partners
NCA Financial Planners
Cincinnati
Dayton
Columbus
Cincinnati
Columbus
Cleveland
513-784-7144
937-298-8904
614-481-6900
513-792-6648
614-431-4336
440-473-1115
5 million
450,000
3.3 million
1.75 million
1.8 million
2 million
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Planners work under fee-only arrangements except where noted: *tee and commission; t tee or commission; *tee offset; § fee only tor new
clients. Credentials: CFA, chartered financial analyst; CFP, certified financial planner; ChFC, chartered financial consultant; CIMA. certified
investment management analyst; CLU, chartered fife underwriter,· CPA, certified public accountant; JD, doctor of law; MBA, master of business
administration; MFS, master of financial services; MST, master of taxation; PFS, personal financial specialist; PhD, doctorate.
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drawn every six months. Since it's a taxdeferred vehicle, a 10 percent penalty is assessed against the yield for withdrawing
funds before age 591/2. Even so, the reduced
yield is still a healthy 4.36 percent, compared with money market yields that currently average below 2 percent.
Because of its guaranteed return, USAllianz Alterity can help moderate the
dangers of investing in high-risk, highreturn asset classes. "We have a client who
invested $100,000 on the day the market
opened following the terrorist attacks-all
in emerging markets," says Mark Cortazzo, senior partner of Macro Consulting
Group in Parsippany, New Jersey. "His account is up more than 28 percent." What
makes this annuity attractive, Cortazzo
~ays, is the living benefit provision, which
guarantees that the investment will accumulate by 5 percent a year regardless of the
performance of the underlying assets. It
offers a payout after seven years based on
the highest anniversary value of the assets
in the annuity, which are disbursed with
interest over 10 years (the contract can be
surrendered in five years without penalty).
Investors can hold a wide range of mutual
funds in the annuity, including offerings
from JW Seligman, Oppenheime r, and
PIMCO. Although the total fee, including
the cost of the underlying funds, can run as
high as 2.5 percent, it doesn't affect the
guarantee. Since it takes a minimum of
seven years to realize the benefits of the
investment, Cortazzo uses USAllianz
Alterity for long-term money.
When it comes to asserting control over
:
one's wealth, the mantra that advisers find
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themselves repeating most often is "Diversify out oflarge single-stock positions." In
this post-Enron era, investors shouldn't
need much coaxing. But the message still
tends to fall on deaf ears-even in Enron's
home turf of Houston. "Clients buy into
all of it," says adviser Clark Blackman of
Houston's Post Oak Capital Advisors,
"except when I bring up the subject of selling their company stock."
Although there are no hard and fast
rules, advisers typically argue that a single
stock position should represent no more
than 5 to 20 percent of an individual's total
net worth. If it's possible to sell enough of
your single stock position at today's prices
to meet your long-term financial needs,
do it. If you must adopt a more gradual
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