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Upcoming Social Security Strategies Seminar on
May 30, 2012 |
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Finding the best strategy for receiving Social Security benefits can oftentimes add very significant supplemental income over the course of your retirement. For example, many clients are unaware of a strategy called "file and suspend." Arbor Wealth's specialized software for Social Security Optimization is a recent addition to our services for clients. Our software provides side-by-side comparisons of various strategies to maximize your ultimate Social Security Benefit.
Arbor Wealth Management's "Social Security Optimization Strategy Seminar" will be held in the Arbor Wealth Management Conference Room on Wednesday, May 30th, 2012 at 3:00 P.M.
An Open House with refreshments will follow, beginning at 4:00 P.M.
*Please call 850-608-6121 to reserve seating.
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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 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.
“My husband and I honeymooned 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 17 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.”
"Twelve years ago I became a partner in a “Fee-Only” Firm and opened an office on Main Street in Destin,” McDowell says. “Two years ago my partner and I amicably separated, as she is nearing retirement, 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. We doubled our square footage and now host clients in a gorgeous and beautifully-appointed office setting.”
“Many of our clients have been with me since my start in the business many years ago,” McDowell says. “We develop personal relationships with them all; we know their grandchildren’s names, we play a meaningful role in their lives.”
“Income generation is a huge part of what we do,” McDowell continues. “A long time ago I made the decision that our clients should get paid. The market may experience an uptick or a slump, but regardless, we want our clients to enjoy systematic, periodic income from their investments. We like growth investing, but are unwilling to wait around for it in these uncertain times.”
“Our average account size is well over $400,000 and our minimum account size is $250,000,” McDowell continues. “All our portfolios are custom-created, as all our clients have different risk tolerance levels, unique goals, and varying income needs. 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. “We favor defensive investments, utilities and essential service bonds. We believe in ‘Buy and Manage’, rather than ‘Buy and Hold.’ The world is a much more complicated and inter-related place than it was when I began my career 17 years ago. We may underperform an up market, but our goal is to outperform a down market. We tell our clients that we like to under promise and over perform.”
“Commensurate with relocating our office near Sandestin, we established professional working relationships with Lisa Y. Pitell, founder of the Pitell Law Firm, and Dawn M. Paul, CPA. Maintaining these professional relationships allows us to provide 360 degrees of care for our clients. We can refer our clients to a trusted estate planner, and a trusted CPA, both of whom are welcome to meet with our clients here in the Arbor Wealth Conference Room.”
“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.” |