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Financial Strategies

 


A Division of Colorado East Bank & Trust

The Financial Strategies Group was formed in 1999 in an effort to provide financial planning, estate planning, and advisory services for individuals and businesses in Southern Colorado.

A division of Colorado East Bank & Trust and through the service relationship with LPL Financial (Please See Website Option Below), the nation's largest independent broker/dealer*, the Financial Strategies Group is able to offer a broad array of investment products and services with an unbiased approach and superior customer service. 

Due to securities regulation requirement concerning the dissemination of information regarding investment products and services, we may only discuss or transact securities business with persons residing in states in which our financial consultants are currently registered.

Our financial consultants are registered in the following states: AZ, CA, CO, FL, IA, ID, IL, IN, KS, MO, NV, OK, TX, VA.

*As reported in Financial Planning Magazine, June 1996-2008, based on total revenues.

The Process

In the client/advisor relationship, we believe that it is critically important that there be a "good fit" when working together.  We realize that our approach may not suit every potential client, and similarly we realize that every potential client may not be an appropriate fit for our group.  Therefore the first step in the process is to determine if there is chemistry that supports a long-lasting working relationship.  Once it is mutually agreed upon that working together makes sense, subsequent meetings will be used to accomplish the following:

  • Gather relevant client data including client goals.
  • Formulate a plan and make appropriate recommendations.
  • Implement the mutually agreed upon plan.
  • Have periodic client reviews to determine the plan's efficacy as well as determine if changes in the client's life necessitate changes in their plan.
 The Team Concept

One thing years of experience has taught our team members, is having more than one viewpoint is an advantage.  Rather than each team member attempting to be all things to all people (as many financial professionals attempt to be), we realize as individuals we each bring different skills to the table.  Our goal is to utilize the team member(s) that have the experience that will most effectively address our client's needs.  We believe that by allowing each of our team members to do what they do best, we can bring the highest level of service and most appropriate advice to our clients.  Meet the members of the team:


Standing L to R - Joe Leal, Brad Gomer, John Hartshorn, Phil Kneib.
Sitting L to R - Kayla Koehn, Joni Dorris, Jane Wheeler

John Hartshorn, Senior Vice President of Asset Management, CFP®.  
John was born, and has spent most of his life, in the lower Arkansas Valley. In 1973 he graduated from Kansas Wesleyan University with a degree in Economics and after working a brief stint as a golf club pro, John entered the financial services industry in 1974. In 1998 John joined Colorado East Bank & Trust. John became a Registered Representative in 1981 and a Certified Financial Planner™ in 1984.

Phil Kneib, Vice President of Advanced Planning, CLU, ChFC.    
Phil's experience in financial services dates back to 1970. Phil has been helping bank customers at Colorado East Bank & Trust since 2002. He is an insurance consultant and focuses on working in estate, income and long term care planning. Phil has masters' degrees in financial services and management and is a Chartered Life Underwriter, and Chartered Financial Consultant.

Joe Leal,  Vice President of Asset Management Services.  
Joe was born and raised in the Pueblo community and received a business degree in 1995 from CSU-Pueblo. Upon graduating, Joe began his career in the financial services industry. His experience includes working as an advisor and regional manager for Golden West Financial, as well as establishing and operating his own consulting firm which developed investment programs for banks and credit unions. Joe is a LPL Investment Advisor Representative with experience in the areas of retirement and income planning.

Brad Gomer, Vice President of Allocation Strategies.
Brad graduated from the University of Colorado with a degree in Physics in 2001. After graduating, Brad worked at the Rocky Flats Environmental Technology Site in Golden, CO until the site closed in 2005. Brad then decided to pursue a career in the financial services industry beginning with AXA Advisors where he became a Registered Representative. He then decided to join Colorado East Bank & Trust in 2006 where he has focused his efforts on allocation strategies that seek to minimize investment risk while maximizing returns in client portfolios.

Administrative assistants Joni Doris, Kayla Koehn, and Jane Wheeler bring over 20 years of combined experience in meeting the administrative needs of our staff and clients.

Investment Philosophy

Our goal is to help reduce investment risk by:

  • Taking advantage of "true" diversification.
  • Utilizing active account management vs. buy & hold only strategies.

Diversification:  Portfolio managers have always known that diversification is a key factor in reducing risk.  That is why they have always advocated a portfolio that contained both stocks and bonds.  When one group was down, the other may have been up to help offset any negative affects on the portfolio.  However, limitations in this approach arise, not with respect to principles of diversification, but rather in limiting a portfolio in its number of asset classes.  If a portfolio with only two asset classes helps to reduce investment risk, what about a portfolio with three, four, five, or more uncorrelated asset classes?  While history does not predict future results, research has shown that increasing the number of uncorrelated asset classes in a portfolio (such as commodities, REITs, managed futures, emerging markets, precious metals, hedge fund strategies etc.) tends to help "smooth performance" over time.

Active Management:  In addition to diversification we believe that a defined strategy for determining when to buy and when to sell an asset class is critical in controlling portfolio risks.  We feel the old adage of buy and hold regardless of market environment can negatively impact a portfolio.  Having a plan for when to be defensive and when to be more aggressive in our investment approach can potentially add tremendous value by keeping more of our clients' principal in tact.

For more information on Colorado East Financial Strategies Group and our services, call us at one of the locations listed below:

Lamar 719-336-3811          La Junta 719-383-3811          Pueblo 719-549-6498

All other locations 1-866-484-7165

Securities, financial planning, and insurance products offered through LPL Financial and its affiliates, SEC Registested Investment Advisor and Member FINRA/SIPC

www.sipc.org      www.finra.org

NOT FDIC INSURED. May Lose Value. No bank guarantee.
NOT A DEPOSIT. Not Insured by any Federal or Government Agency.

This site is designed for U.S. residents only.  The services offered within this site are available exclusively through our U.S. Investment Representatives.  LPL Financial U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered.  Please note that not all of the investments and services mentioned are available in every state.


If you would like to visit the LPL Website click Here

 

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