STEPS TO SUCCESS
The Hermitage Hotel - Nashville, Tennessee
Spectrum Steps to Success
We begin by listening to you. We bring our collective education and experience to each client relationship. We direct our energy passion and expertise to the process of helping our clients succeed personally and financially. We call this our Spectrum Steps to Success Program. Each step is carefully designed to accomplish certain goals and to work together to help you become comfortable in your planning and implementation process.
STEP ONE: WE GET TO KNOW YOU
Tell Us About Your Family?
What Is Most Important to You?
What Are Your Personal Goals and Values?
What Is Your Experience with Investments and Advisors?
What Is Your Charitable and Family Giving Philosophy
Interest for Return and Volatility
STEP TWO: COMPREHENSIVE FINANCIAL OVERVIEW
Discuss Income, Assets, Liabilities, Liquidity Issues
Insurance, Taxes and Estate Planning
Spending and Forecasting Cash Flows
Expenses Portfolio and Risks
Benefit Plas and Incentive Programs
STEP THREE: ANALYSIS & PLAN
Retirement Goals Scenarios
Generating Portfolio Income
Optimal Saving/Spending Levels
Impact of Market Corrections or Large Expenses
Inflation, Longevity, Long Term Care Scenarios
STEP FOUR: COMPREHENSIVE IMPLEMENTATION STRATEGY
Review Recommendations
Checklist of Next Actions
Accountability Planning
Recurring Client Calls/Meetings
Collaboration with CPA & Attorneys
STEP FIVE: MONITOR & EVALUATION
Monitoring Progress Towards Achieving Your Goals
Evaluating Investments, Results, Risks & Opportunities
Anticipating and Adjusting to Life Events and Transitions
Seeking Opportunities for Tax Efficiency
Managing Director
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David serves the Founding Member of Spectrum Financial Advisors.
David was formerly with Wells Fargo Advisors since 1984 and received firm-wide recognition every year since 1997. David focuses on 401k retirement plans, endowments, foundations, non-profits and high net worth families.
While at Wells Fargo, David served as a Premier Advisor* and held the title of Managing Director – Investments, which is reserved for Financial Advisors at Wells Fargo who consistently demonstrated high ethical standards, achieve production criteria and maintain a strong commitment to client service excellence. During his career, David has been selected as one of the top 11 Financial Advisors in Tennessee by Research magazine** and one of the top 7 Financial Advisors in Tennessee by Barron’s magazine***.
David is graduate of the University of Tennessee and served as President of the Davidson and Williamson County UT Alumni Association and was a member of the UT Board of Governors. David also served as a member of the YMCA Y-CAP Board and Brentwood United Methodist Foundation Board. He is a past graduate of Leadership Brentwood and Leadership Middle Tennessee and currently serves on the Board of Directors for Second Harvest Food Bank
