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.
Busy Boomers: Near- or in Retirement
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.
Women and Wealth
Women and Wealth: Realize Your Financial Well-Being
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.
Aligning Our Interests With Yours
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:
Fiduciary advice - A Registered Investment Advisor firm’s fiduciary advice must exclusively advance the client’s highest financial interests ahead of anyone else’s. Specifically, the advisor’s advice must benefit the client even if it does not serve the advisor’s own interests.
Suitable advice- Brokers’ suitable advice is to be seen in the same light as the car salesperson’s, and is assumed to be influenced by other interests related to their trading operations. They can recommend securities that profit them more or help them meet sales quotas without disclosing the conflicting incentive.
Your goals should dictate your investments
(not the other way around)
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.
Evidence-Based Investing: Building Wise Wealth
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:
Knowing and heeding the scholarly evidence that informs us which market factors are within our control, which are not within our control, and which are best ignored as distracting noise.
Structuring your portfolio so that you’re investing with, rather than against, the market and its expected returns.
Managing the “human factor” (i.e., your own behavioral instincts that trick you into making faulty financial decisions).
By incorporating the science of investing into our practices, we seek to build not just better portfolios, but better investors.
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, a mental health counselor in north Alabama and Adrienne, a mom of two boys, Elliott and Oliver, who live 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. She supports the Vestavia Hills community through political, civic and philanthropic service in non-profit organizations. She spends her free time pursuing physical fitness, reading, organizing game nights and spending time with family and friends. She is a member of the Board of Directors of several local organizations including the Vestavia Hills Chamber of Commerce, Mountaintop Community Church, Alabama Women in Business and The Women’s Network.
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 2016. 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 75 members. The community of women Integrators continues to communicate via a group chat, but has expanded to include monthly Learning Workshops and an Annual FIM Summit. 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 August 2018. He is excited to join this team as they share a common alignment of philosophies and values in the world of financial planning. Building long-term relationships and imparting a positive influence on a family’s financial habits and strategies creates tremendous career satisfaction for Mark.
Mark has lived in Birmingham since 2006 and married his wife Edan in 2010. Edan is a CPA and the Corporate Tax Director for Iberia Bank. They have a son named Shepherd who was born in 2013. He is absolutely their greatest joy. They also rescued a small collie mix recently and named him Sparrow. He has been a wonderful addition to their family.
Mark, Edan, and Shepherd enjoy being outdoors whenever possible, especially if it includes a trip to the Blue Ridge Mountains where they often escape to relax. They love traveling to different places creating lifelong memories from interesting and beautiful experiences. Once the temperatures cool off just a bit you can find them enjoying time with friends and family on their back patio around a fire.
Clay became a part of the BCR family in March of 2017 as an Associate Advisor. He is originally from Crossville, Alabama. Clay attended the University of Alabama; there, he received a Bachelor’s in Consumer Sciences with a concentration in family financial planning and counseling.
Clay has a passion for helping people achieve their individual goals.
Clay and his wife, Lauren, met at The University of Alabama and started dating shortly after Clay graduated. Clay and Lauren love both of their pets; Stevie Nicks their dog and Arya their cat.
Clay enjoys staying active, cooking, The University of Alabama sports, the Atlanta Braves, traveling, and spending time with his family.
Don is originally from Spokane, Washington. After serving 15 years in the Air Force as a Special Operations Combat controller, he attended the University of Alabama where he received his Master’s in family financial planning and counseling, and a secondary bachelor’s in accounting.
Don has a passion for seeing those around him succeed, especially when it comes to finances.
Don and his Kristen have been married for 12 years and have a 5-year-old daughter. The family loves to hike, cook, and do anything that is outdoors.
Don enjoys working out, competing in Ironman competitions and any extreme sport that he can participate in.
Lindsay joined the BCR Wealth team as the Advisor Assistant in May 2019. 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.
Amanda joined BCR in September 2019 as the Office Assistant. She enjoys helping others no matter how small or large the task.
Outside of work, Amanda enjoys spending time with friends and family, working out at Pure Barre, and reading. She has a dog named Charlie and enjoys spoiling him from special treats to collars and bow ties for all occasions.
BCR Wealth is an independent firm that puts its clients’ interests first. In order to maximize the value we provide clients we have affiliations and strategic alliances with other organizations including:
TD Ameritrade, Inc. is one of the firms that we use to custody our client assets. TD Ameritrade, BCR Wealth Strategies, and the other entities named are separate and unaffiliated firms, and are not responsible for each other’s services or policies. TD Ameritrade does not endorse or recommend any advisor and the use of the TD Ameritrade logo does not represent the endorsement or recommendation of any advisor. Brokerage services provided by TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission.