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Atlanta Five Star award winner


1.     You control inputs, not outcomes.

2.     Since outcomes are most affected by inputs, the right inputs usually lead to the right outcomes.

3.     Money is the effect of your work; it should never be the cause of your work.

4.     The more you sacrifice for a dollar the greater respect you show it.

5.     How you use money reflects your values and priorities more than anything else.

6.     Setting specific goals greatly increases your chances of getting what you want.

7.     Specific goals are quantifiable – they have an amount and a date.

8.     A goal without a plan is just a wish. Know how you’re going to achieve your goal.

9.     If you’re not sure how to plan for your goal, get professional help.

10.  Plan for worst-case scenarios first. Insurance usually works here.

11.  Plan for most-likely scenarios next. Long-term planning is important here.

12.  Plan for best-case scenarios last. Liquidity and flexibility enable you to seize opportunities.

13.  Your first priority is to avoid becoming a burden to others.

14.  Pay yourself second, right after God.

15.  You can’t change the past. You can change the future, but only through your actions in the present.

16.  Your money has the ability to earn far more than you ever can, but only the money you don’t spend.

17.  Income is what you make; wealth is what you keep.

18.  Wealth is affected far more by habits than by income.

19.  Patience and persistence are the most important ingredients to financial independence.

20.  If you want to be wealthy, financial independence must supersede social status.

21.  Overcoming inertia is hard because humans have a bias for the status quo.

22.  Humans fear loss more than we value gain, and you’re no exception.

23.  Risk and reward move in the same direction. Greater rewards require greater risks.

24.  Your risk tolerance determines your reward; desired reward doesn’t determine risk tolerance.

25.  Low risk tolerance is the product of fear, which is often the product of inadequate knowledge.

26.  Education reduces fear, which raises risk tolerance, which increases rewards.

27.  Don’t risk a lot to gain a little; don’t spend a lot to reduce risk a little.

28.  Money isn’t currency; it’s purchasing power. If wages rise 10%, but prices rise 20%, you’re poorer.

29.  An investment performs work. If it can appreciate without performing work, it’s a speculation.

30.  Investment success is 10% investment selection, 20% asset allocation, 70% investor behavior.

31.  Never sink any more into an investment than you can afford to lose forever.

32.  Diversification reduces risk without reducing rewards.

33.  When you own bonds, you’re a loaner to an organization.

34.  When you own stocks, you’re an owner of an organization.

35.  Dollar-cost averaging is the only proven method to beat the market.

36.  The asset side of your balance sheet is soft; the liability side is hard.

37.  Add liabilities (debt) reluctantly and only after careful consideration.

38.  You’re going to die. Failure to plan for your death will not alter this fact.

39.  Your death will be hard enough on loved ones. Don’t make it worse by failing to plan for it.

40.  You can’t take it with you, so use it wisely here.           


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*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.
The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser 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 Five Star Professional, 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 Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’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. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star 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 client’s 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 Five Star Professional 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 Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to 3,254 Atlanta-area wealth managers were considered for the award; 265 (8% of candidates) were named 2021 Five Star Wealth Managers. 2020: 3,314 considered, 268 winners; 2019: 3,197 considered, 285 winners; 2018: 3,248 considered, 287 winners; 2017: 2,378 considered, 301 winners; 2016: 2,210 considered, 526 winners; 2015: 3,620 considered, 546 winners; 2014: 4,433 considered, 560 winners; 2013: 2,852 considered, 592 winners; 2012: 2,660 considered, 607 winners.