We are a Fee-Only & Fiduciary 
Investment Advisory Firm
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"Opportunities and Risks in 2015 Capital Markets" Wed., January 28th at 10:00 a.m. in the Arbor Wealth Conference Room and on January 29th at 5:30 p.m. in the dining room of Shark's Tooth Golf Club at Wild Heron, located in  Panama City Beach.
At this seminar, we will be discussing how to manage portfolio volatility in the context of a global economic slowdown. With China, Europe and Japan all slowing down as the US is picking up steam, can we really go it alone?
We will also discuss how dividend payers and income generating investments make up our defensive investing strategies. Furthermore, we will discuss how utilizing this defensive investment strategy can provide downside protection while still allowing growth participation. 
Refreshments will be provided.

Please call 850-608-6121 to reserve seating.

Your "Fee-Only"
Destin Investment Advisor

"Unlike a broker, we sell no products and receive no commissions. As a "Fee-Only" Firm, your best interests are our only concern.  If you profit, we profit. If you suffer, we suffer."
-Arbor Wealth Management Firm Principal
Margaret R. McDowell, ChFC®, AIF® 
Arbor Wealth Management, LLC is a state Registered Investment Advisor located in Miramar Beach, Florida. Arbor Wealth Management, LLC may only transact business in those states or countries in which it is registered, or qualifies for an exemption or exclusion from registration requirements. For non-clients of the firm, Arbor Wealth Management, LLC's website is limited to the dissemination of general information pertaining to its investment advisory services. Please contact Arbor Wealth Management, LLC at 850-608-6121 to find out if we may conduct advisory business in the state or country where you reside. Accordingly, Arbor Wealth Management, LLC does not and will not, effect or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, through this website. Any subsequent, direct communication with a prospective client shall be conducted by an Arbor Wealth Management, LLC representative who is either registered or qualifies for an exemption or exclusion from registration in the state or country in which the prospective client resides.
It’s a long way from St. Stanislaus Elementary School on Chicago’s northwest side to serving as a Destin financial planner near the front gate of Sandestin Resort. Along the way, Arbor Wealth Management firm founder and principal Margaret R. McDowell, ChFC®, AIF® earned designations as a Chartered Financial Consultant and as an Accredited Investment Fidcuciary and maintained a passion for investing, income generation and retirement planning.
“We vacationed in Sandestin in 1984,” McDowell recalls, “and just fell in love with this place.  Two years later, in 1986, we were walking the Destin beach as permanent residents.  Now, as a Destin investment advisor, I have the privilege of helping others achieve their dreams here, too.” 
Firm Founder and Principal
 Margaret R. McDowell, ChFC®, AIF®
I began my financial services career as a pension planner 19 years ago here in the Destin area,” Ms. McDowell relates, “and I enjoyed helping people prepare for retirement. But as soon as I heard about the concept of “Registered “Fee-Only Investment Advisory Firms, I knew that that’s exactly what I wanted to do. I love the idea of conflict-free advice: as a “Fee-Only” firm, we sell no products, we accept no commissions from any source, we are compensated solely by and serve as a fiduciary to our clients.”
"Fourteen years ago I became a partner in a “Fee-Only” Firm and opened an office on Main Street in Destin,” McDowell says. “Five years ago my partner and I amicably separated and I renamed our firm Arbor Wealth Management. We concurrently moved our physical office location from Main Street to the Tops’l Commercial Center here at Sandestin’s front door."

“Many of our clients have been with me since my start in the business many years ago,” McDowell says.   "As a Destin financial advisor, I have come to regard our clients as part of the Arbor Wealth family.”

“Income generation is a huge part of what we do,” McDowell continues. “The market may experience an uptick or a slump, but regardless, we want our clients to enjoy systematic, periodic income from their investments. We look for megacap companies that enjoy a broad, global presence, that pay a dividend, and that have historically increased their dividend payments to shareholders over time.  We utilize both 'Income with Growth' strategies for those whose primary concern is income, and 'Growth with Income' for those whose primary interest is in growing their principal."

"Our client portfolio strategies are individually custom-created.   Our clients pay a monthly money management fee and we provide all other professional assistance, including financial planning, as part of our services.”

“Many of our clients are nearing or at retirement, so trying to avoid downtrends is vital to overall investment success,” McDowell states. “As Destin wealth advisors, we favor defensive investments, or investments that provide as much downside protection as possible.  We believe in ‘Buy and Manage, rather than ‘Buy and Hold.’ 

“We have an estate planning attorney on staff here in our office and of course we maintain working relationships with other professionals, like trusted CPA's, should our clients need those services.  For their convenience, our clients are welcome to meet with other ancillary professionals in the Arbor Wealth Conference Room.  Naturally, if a client has an existing relationship with a CPA for tax planning and tax preparation, we are happy to work with that professional."

“We provide a complimentary consultation and portfolio review,” McDowell says. “A get-acquainted meeting frequently leads to a long-term relationship, and it’s these continuing and abiding friendships and relationships that have made being a Destin financial advisor so meaningful.”


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Arbor Wealth Management

8955 Emerald Coast Parkway, Suite 104,
Miramar Beach, FL 32550
Ph: 850-608-6121 mmcdowell@arborwealth.net