Five Star award winner Derek Seo, CFP®, APMA®, CLTC®”

As seen in
Sacramento Five Star award winner
            
            PROFESSIONAL PROFILE
                            
                                            Contact Me
                                        
Derek Seo, CFP®, APMA®, CLTC®”Private Wealth Advisor
Seo and Associates
4600 Duckhorn Dr
Sacramento, CA 95834
Office: 916-554-7650
Cell: 916-501-7522
derek.t.seo@ampf.com
www.derekseo.com
Professional ApproachAt Seo and Associates, we get that not every financial problem can be solved with a single product or a quick fix. Life is more complicated than that. That’s why we take the time to really understand your situation and give you investment, retirement, and tax advice that actually fits your life.
When you know why a strategy is right for you, it’s easier to make decisions quickly—and stick with them when things get uncertain. Our job is to help you cut through the noise, make sense of today’s complex financial world, and move toward your goals with confidence.
Let’s make your financial life clearer, simpler, and more intentional—together.

                    See Accomplishments
                
                        This award was issued on 02/01/2026 by Five Star Professional (FSP) for the time period 05/15/2025 through 12/03/2025. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 1329 Sacramento-area wealth managers were considered for the award; 82 (6 % of candidates) were named 2026 Five Star Wealth Managers.  The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2025: 1,288, 39, 3%, 2/2/25, 5/15/24 - 11/29/24;  2024: 1,163, 110, 9%, 2/1/24, 5/15/23 - 11/30/23;  2023: 946, 107, 11%, 2/1/23, 6/6/22 - 12/9/22; 2022: 1,082, 94, 9%, 2/1/22, 6/14/21 - 12/10/21; 2021: 1,080, 96, 9%, 2/1/21, 6/1/20 - 12/18/20; 2020: 1,006, 99, 10%, 2/1/20, 5/27/19 - 12/20/19; 2019: 997, 115, 12%, 2/1/19, 5/31/18 - 12/21/18; 2018: 902, 99, 11%, 2/1/18, 6/2/17 - 12/29/17; 2017: 641, 170, 27%, 1/1/17, 4/26/16 - 12/28/16; 2016: 597, 179, 30%, 1/1/16, 8/5/15 - 12/31/15; 2015: 1,011, 210, 21%, 2/1/15, 8/5/14 - 12/31/14; 2014: 809, 167, 21%, 2/1/14, 8/5/13 - 12/31/13; 2013: 1,040, 202, 19%, 2/1/13, 8/5/12 - 12/31/12; 2012: 881, 175, 20%, 2/1/12, 8/5/11 - 12/31/11. 
                    
                        Click to access BrokerCheck
            
Certifed Financial Planner Board of Standards Inc. owns the certi cation marks CFP®,
CERTIFIED FINANCIAL PLANNER™, and the CFP® mark (with plaque design) in the U.S.
Ameriprise Financial, Inc. and its a liates do not o er tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specifc situation.
Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and uctuation in value.
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future nancial success. Ameriprise Financial Services, LLC. Member FINRA and SIPC

        *Winners appearing on this page do not pay a fee to be considered or to win the Five Star Award. Professionals with a digital profile have paid a promotional fee.
    
                    Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria - required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria - considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. 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 FSP or this publication. 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 FSP in the future. Visit www.fivestarprofessional.com.