Our philosophy is straightforward and simple.
We believe the best way to serve you is to develop a clear in-depth understanding of your financial goals and lifetime objectives. Armed with that information, we strive to create a living Lifetime Comfort Plan™ that will accomplish all that is important to you with the minimum possible risk. We address your situation holistically beyond just investments to include wealth enhancement to mitigate your income taxes; wealth transfer to help create your ideal legacy; wealth protection because you live in a litigious world; and charitable gifting for causes important to you.
Our principals are fiduciaries. As such, they must act at all times for the sole benefit and very best interest of our clients. Walter and Carol embrace this obligation because taking care of and looking out for our clients is not only the right thing to do, it is our top priority.
Take a light-hearted look at the difference between brokers and fiduciaries. The difference is revealed at the end.
Investment Management — A Partnership of Excellence
Family Steward Wealth Consulting®—Investment Team
Carol Chesser, CFP®
We utilize a robust investment approach based on academic research that is scientific, transparent and process driven. Needless trading costs can increase portfolio expense and lower returns. We help minimize portfolio expense through our selection of mutual funds, many of which are not available to the general public. All investments have low expenses and there is never a sales load. We are fee based and do not earn commissions on investments. This alone can enhance returns. As your investment adviser, we serve as a conduit between your goals and the financial capital markets. Through discipline and dependable investment vehicles, we deliver consistent capital market rates of return.
Back Office Support Team
Your investments are monitored by a professional team to keep your portfolio in balance and execute transactions on your behalf for the purchase and sale of securities. The team carries out our instructions regarding investment of new funds and distributions you request. We focus on low transaction cost.
Mr. Zagala serves as Director of Client Service of Bellatore Financial. In this role, he is responsible for managing the firm’s trading and operations functions. Mr. Zagala has more than 18 years of securities trading and operations experience with ten of them in the Turnkey Asset Management Platform. Prior to joining Bellatore Financial, he held various trading and operations positions at BA Investment Services, Barclays Global Investors Inc., Charles Schwab and Co. Inc., and most recently, Genworth Financial. Mr. Zagala earned a B.S. in Finance from De La Salle University and an M.B.A. from University of Phoenix.
The Father of Modern Portfolio Theory
Dr. Markowitz won the Nobel Prize in Economic Sciences in 1990 for his work on portfolio selection. Recognized as the father of Modern Portfolio Theory and one of the nation’s best known minds in finance, Dr. Markowitz is a professor of finance in the Rady School of Management at UC San Diego. He received his PhD in economics from the University of Chicago. We invite you to view three short videos spotlighting Dr. Harry Markowitz: