Generations X and Y (born between the early 60s and late 90s) are in the accumulation phase of their lives. These are the years focused on earning and advancement. These are also among the busiest years of a person’s life both at work and at home. During these years, it can be tempting to avoid a deep consideration of your financial future. However, these years are a critical window in achieving your long term success. You’ve got decades of working years ahead of you. Make them work for you.
With young professional advisors on our team, we are your ally, ready to help you make the most of the many wealth-building years that lie ahead. We’ll show you how to realistically balance short- and long-term goals, aggressively minimize debt, invest while you’re young, and patiently let long-term market growth do the rest of the heavy lifting for you.
As an individual or family with seasoned perspective, you know a thing or two about what you want out of life – during your career as well as onward into retirement. But for all your experience, you may be unsure of just where you stand and what it will take you to get where you want to go. How much is enough?
What do you need in order to be financially secure? Do you need to work longer, save more, or spend less? Maybe you want to keep your fingers in your career on a part-time basis? Are your dreaming about a second career? Or maybe you really are positioned to relax and enjoy the view. If you are part of a couple, are your visions for retirement in synch? Are your risks, legacy plans and philanthropic goals covered?
At BCR, we don’t just manage your money. With advisors on our team that have successfully retired from previous careers, we understand the questions in front of you and want to help you make the most of your wealth.
Whether single, married, widowed or divorced; leading a career, a non-profit foundation, or a busy household, women all too often relinquish control of their personal wealth to others. Even if your assets are being well-managed, being under- or uninformed about the specifics of your financial plan can leave you with nagging doubts. The antidote to uncertainty is informed understanding.
With advisors who specialize in women’s finance on our team, we make it our business to help women realize their financial well-being.
By law, a fiduciary must put the client’s interest above his/her own. Because Registered Investment Advisors are required to be fiduciaries, BCR® acts as a fiduciary for all individuals, families, and retirement plans. Consequently our advice is always and exclusively in our clients’ highest financial interests.
To understand how a majority of the financial industry works, it is helpful to consider the analogy of a car dealership. When you walk into a car dealership, it’s no secret that your salesperson’s recommendations are influenced by the dealership’s financial interests, and that you should filter the advice accordingly. In other words, you know that the salesperson not only wants you to purchase a car—s/he wants you to purchase a particular car in order to satisfy specific sales quotas. Since you know this, you do consider the salesperson’s advice, but you also remember that you must look out for your own interests as they might not match those of your salesperson. The salesperson works for the dealership, not for you.
Unfortunately, when it comes to investing, who an advisor is working for can be far less obvious:
As a full-service wealth management firm, we offer an array of approaches and resources for integrating your financial planning, investment management, risk management, education planning, retirement planning, estate planning, philanthropy and related interests into a cohesive whole.
But more than what we do, we distinguish ourselves by how we do it. What are your greatest life goals and challenges? What are the big decisions that will help or hamper your success? Beyond the money-making considerations, what personal hurdles do you need to address?
From the practical to the sublime: As your wealth managers, we partner with you to focus on your financial success.
Just as our wealth management services are driven by the most important factors of all – you and your personal goals – our investment strategy is driven by the most important principles that contribute to confident investing:
Marshall’s time is split at BCR Wealth allowing him to continue his enjoyment of working with the financial puzzles clients bring to the table while managing the firm and mentoring associates who will one day take care of our clients themselves.
Marshall was born and raised in Birmingham. At least six generations of his family have called Birmingham home, as well. He is fortunate to have a large number of family members living within a short distance of his home.
Marshall and his wife, Susan, met while at the University of Alabama and married in 2007. Susan is a clinical psychologist at the Birmingham Veterans Affairs Medical Center. They have two young children. Their son, John Marshall, was born in 2008 and their daughter, Amelia, was born in 2011. Both children have a myriad of after-school sports and activities.
Marshall is committed to community service and serves in leadership positions in several of Alabama’s non-profit organizations. His community service has lead him to being in the Leadership Birmingham class of 2018 and having been named 2015 Top 40 Under 40 by the Birmingham Business Journal.
Sandra is a partner and wealth manager at BCR. She values the relationships she builds with clients to know and understand not just their financial goals but their life goals. She feels moving towards their goals is even better when they have peace of mind for today and about the future.
Sandra’s focus is on clients who are getting serious about preparing for their financial independence – whether that is a career shift, a life transition, or a more traditional retirement. She is particularly interested in helping women explore their next steps by defining the life they desire, creating the financial plans that support their goals and helping them stay on track.
Sandra and her husband, Mastin, have two adult daughters. Ashley is a mental health counselor, married to Andrew, has 4 boys, Gabe, Mark, Noah and Luke and lives in Louisiana. Adrienne is a CPA and mom to 3 boys, Elliott, Oliver and John Hardy and lives in San Antonio with her husband, Caleb.
Sandra serves in leadership roles in civic organizations that support women in business and the community in the greater Birmingham area including Alabama Women in Business and The Women’s Network. She supports the Vestavia Hills community as Co-Chair of the Vestavia Hills Chamber of Commerce for 2021 and an alumna of Leadership Vestavia Hills. She is the chair of the Mountaintop Community Church Board of Directors. She spends her free time pursuing physical fitness, reading, organizing game nights and spending time with family and friends.
Harold manages the New Jersey office of BCR Wealth. Harold’s focus is preparing professionals for and prospering during, their retirement years. He likes the idea of sharing the reality of investment strategies and outcomes. Harold’s expertise is avoiding the mistakes people make in investment decisions.
Harold was born and raised in Brooklyn, New York, when the Dodgers played at Ebbetts Field, and long for their return to Brooklyn.
Harold and his wife, Meryl, met during their high school years. Meryl is a retired teacher. They have three married daughters and 18 grandchildren. Harold refers to the grandchildren collectively as their Return on Investment, and individually as their dividends. Harold has been learning saxophone since 2011, and recently purchased a tenor saxophone. He especially likes playing and listening to jazz. Harold attends a jazz camp each summer.
Kristie Clayton is the Integrator and Chief Compliance Officer for BCR Wealth. A few of her many responsibilities include Human Resources and leading the Operations team. She has a desire to develop exceptional employees who are focused on continuous growth. She believes in BCR’s passion to help people succeed®, which extends to clients, staff and those around her.
Kristie founded a community for women Integrators who run their companies on the Entrepreneurial Operating System (EOS®) in 2017. The group began with five women who communicated in a group chat who aspired to grow personally and professionally while propelling their companies forward. Female Integrator Mastermind (FIM) has developed into an international peer to peer mentoring platform with over 100 members. The community of women Integrators has expanded to include monthly Learning Workshops, an Annual FIM Summit, Study Groups and more. To learn more, visit FIM’s website.
Kristie was born and raised in Oklahoma. She relocated to Alabama in 2010 where she resides with her husband, dogs (three Chihuahuas – Hercules, Trae and Sissy and a Dutch Shepherd/Mountain Cur mix – Isabelle Rose) and a veiled chameleon (Mushu). In addition, Kristie is a sports fanatic and specifically enjoys Oklahoma Sooners, Oklahoma City Thunder and Atlanta Braves.
Mark joined BCR in 2018 and has been a financial advisor since 2013. He loves helping clients define and achieve their goals in life. He realizes that positively impacting a client’s behavior and decision making on a regular basis leads to great results in the future.
He also understands the significant value that personalized financial planning can bring to a family. Everyone deserves access to fiduciary financial advice, and he wakes up every day with the goal of advancing that philosophy.
The world of investing is a vast and sometimes confusing place. Allocating your resources wisely and inexpensively can be a challenge and he takes pride in bringing the best opportunities to clients.
Mark serves on the Children’s of Alabama Committee for the Future. The hospital and its team mean a lot to his family. Helping provide resources that benefit kids unfortunate enough to need the hospital early in life is very satisfying work for him.
He was also recently appointed to a four-year term as board member of Irondale’s Commercial Development Authority and is excited to have a positive impact on the economy of his hometown.
Mark has lived in Birmingham since 2006. He married his wife, Edan, in 2010. They have a son who was born in 2013 and a rescue dog named Sparrow that probably has some English Shepherd and/or Scotch Collie in him. His herding instincts keep everyone heading in the right direction. They enjoy bike rides in Birmingham area parks and trails, regular trips to the Blue Ridge mountains, and a fire on the patio every time the weather permits.
Tim joined the BCR team as an Associate Advisor in April 2021. He is originally from Brandon, Mississippi and is new to the Birmingham area. Tim graduated from the University of Mississippi with a bachelor’s degree in Business Management. Since 2011 he has been passionate about helping clients confidently pursue life goals and worry less about their finances. He understands the importance of putting together a plan and helping clients stay on track.
Tim married his wife, Rebecca, in June 2019. In July 2020 they celebrated the birth of their son and are looking forward to all the milestones to come. They enjoy cooking, socializing with friends, and spending time outdoors with their dogs, Rufio and Tinkerbell.
Graham joined BCR in August of 2020 as an associate advisor. He is originally from Houston, Texas and followed his family to Birmingham while attending Vanderbilt University. He transferred to the College of Charleston where he was drafted by the Toronto Blue Jays as a pitcher and made his Major League debut in 2011 while with the Oakland Athletics.
After playing for nine years, he retired from baseball and graduated from the University of Alabama-Birmingham with a Bachelor’s in accounting. He realized his passion of helping others with their financial needs during a summer internship at a local investment advisory firm. There, he saw the impact financial planning can have on a family or individual and knew he wanted to be a part of their success. Graham is dedicated to helping others by identifying their individual needs and guiding them to achieve their goals.
Most evenings you can find Graham helping aspiring baseball players by coaching and sharing his knowledge of the sport. Aside from coaching, he finds balance outside of work by working out, hiking and listening to live music.
Lindsay joined the BCR Wealth team in May 2019. She is our Senior Operations Specialist. Originally from Huntsville, AL, Lindsay attended Samford University where she received her bachelor’s degree in Finance.
Prior to joining BCR, Lindsay lived in Charlotte, NC where she gained two years of experience at a Broker/Dealer firm. Lindsay highly values relationships with others and is devoted to our clients’ success.
Outside of work, Lindsay enjoys spending time with friends and family, listening to podcasts, and yoga.
Michele joined the BCR Wealth Team in March 2021. She is a part of the Operations team.
Michele is originally from Massachusetts but was raised in Fairhope, Alabama for most of her life. After graduating from Auburn University in 2019 with a bachelor’s degree in Finance, Michele moved to Birmingham, Alabama.
Outside of work, Michele enjoys cooking for friends and family, sewing, and thrift shopping. Michele also enjoys hiking, but only when the weather is just right.
Callie Bonds joined BCR Wealth in 2020 as the Office Manager. She values the ability to assist in setting our team and clients up for success through her years of customer service, office support, and organizational skills.
Callie is originally from Irmo, South Carolina, but mostly grew up in Hoover, Alabama where she met her husband, Dillon, in middle school. Callie and Dillon have two wonderful rescues: a Staffordshire Terrier mix, Hazel, and a mystery breed, Luna. During their spare time, they like to spend time with family, watch TV, and play Dungeons and Dragons and video games with friends
Madi started working at BCR as an intern for the summer of 2021. She is a student at the University of Alabama studying Family Financial Planning and Counseling. After graduation, she hopes to successfully complete the CFP exam and work as a Financial Planner. She looks forward to learning from the advisors in the office and getting to know more of what it is like to be an Financial Planner.
Madi grew up in Cincinnati, Ohio but intends on staying in the south upon graduation. She has a brother in Georgia and a sister in Tennessee and wants to be near her siblings.
Outside of work and school, Madi spends her time running, spending time with friends and family, cooking, hiking, and of course attending Alabama football games.
Natalie started at BCR in May of 2021 as an intern. She currently attends the University of Alabama studying Family Financial Planning and Counseling and plans to graduate in May of 2022 with both her bachelor’s and master’s degrees.
Natalie grew up in Helena, Alabama her whole life and loves the Birmingham area, almost as much as she loves Tuscaloosa. Natalie enjoys spending her free time hiking, binge watching sitcoms, playing board games, and hanging out with her friends and family.
At the University of Alabama, she is an active member and officer in the Financial Planning Association at UA and is a part of a variety of honor societies and clubs. During her time at BCR Wealth Strategies, she hopes to learn more about client relationship and see the financial planning world first-hand.
Claire Kunz joined BCR Wealth in 2021 as Kristie’s Executive Assistant. She is passionate about organization, connecting with others, and continuous learning.
Claire is originally from the San Francisco Bay Area, and has lived in Rexburg, Idaho and Durham, North Carolina since then
Claire and her husband, Connor, are college sweethearts and enjoy spending time with their cat, Sybil. Outside of work, Claire enjoys creating things like quilts and pottery.
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