How Do We Add Value For Our Clients?
David provides focused guidance to retired and soon to be retired clients in the investment management, retirement and estate planning areas, while providing a level of service that exceeds expectations. By collaborating with clients to develop, implement and monitor a “Retirement Roadmap,” in addition to organizing and simplifying documents and paperwork, David is able to empower clients to pursue their financial goals and reduce their fears about money by helping them make smart financial decisions.
David founded and has managed Horizon Financial Group for over 20 years. In 2019 David transitioned Horizon Financial Group to Carson Wealth to provide a greater depth of services, business continuity, and succession planning.
For over 30 years David has been providing independent, objective, unbiased wealth management advice in the areas of retirement, investments, insurance and estate planning strategies. David graduated from the University of Houston with a Bachelor’s degree and subsequently earned his Master’s degree from Florida State University. He continued his education by completing courses in finance at the American College and has the Certified Financial Planner®, Chartered Financial Consultant® (ChFC®) and Chartered Life Underwriter® (CLU®) designations. He also holds the FINRA Series 7, 63 and 24 through Cetera and Series 65 through Carson Wealth Management, LLC. David has been recognized by Phoenix Magazine in 2015 and 2017 as a Five Star Wealth Manager.*
David is a member of many professional and business organizations which include being the past president of the Southern Arizona Estate Planning Council. He has participated in educational events and has been a guest on radio and TV shows discussing retirement and wealth management strategies.
One of David’s passions is classic cars and in his spare time he can be found at car shows helping raise money for charitable organizations. Another passion is to raise the level of financial literacy by having schools begin to teach students, at all grade levels, about money and finances.
David enjoys spending time with family and friends, hiking, vacationing in the Caribbean and is passionate about fitness and classic cars.
*Please note the amount of CWM, LLC’s Assets Under Advisement is considerably larger than the amount of the firm’s regulatory Assets Under Management. Assets Under Advisement include regulatory Assets under Management reported in CWM LLC’s Form ADV I, in addition to assets with respect to which CWM LLC may provide consulting and/or financial planning services, but does not have any management, execution or trading authority. CWM, LLC’s Regulatory Assets Under Management can be found in Item 5.F of CWM, LLC’s Form ADV I, available at https://www.advisorinfo.sec.gov.
**The Five Star Wealth Management Award, administered by Crescendo Business Services, LLC (dba Five Star Professional), identifies a percentage of wealth managers within a local region (click here for research statistics) who satisfy objective eligibility and evaluation criteria associated with providing quality services to clients. Wealth managers do not pay a fee to be considered or awarded. Factors considered include: credentialed as a registered investment adviser or an investment adviser representative, a minimum of five years of experience in the financial services industry, *favorable regulatory and compliant history review, internal firm review, acceptance of new clients, one year and five year retention rates, non-institutional discretionary and/or non-discretionary client assets administered, number of client households, and education and professional designations. *A favorable regulatory and complaint history is defined by Five Star Professional to mean that the wealth manager has not: been subject to a regulatory action that resulted in a license or registration being suspended or revoked, or payment of a fine, had more than a total of three settled or pending customer complaints filed against them (excluding dismissed complaints) with any regulatory authority or through Five Star Professional’s consumer complaint process, individually contributed to a financial settlement of a customer complaint, filed for personal bankruptcy, been convicted of a felony. Recognition from rating services or publications is no guarantee of future investment success. Working with a Five Star Wealth Manager does not ensure that a client or prospective client will experience a higher level of performance or results. The inclusion of a wealth manager on The Five Star Wealth Manager Award list should not be construed as an endorsement of the adviser by any client nor are they representative of any one client’s evaluation. For more information on the Five Star Award and the research/selection methodology, please visit www.fivestarprofessional.com.
***URL for the above research stats hyperlink is http://fivestarprofessional.com/wm_research_stats