Albie Vollero, CFP®, CIMA®
My Mission Statement
OUR STORY AND SERVICES
Wealth Management involves far more than managing an investment portfolio. It begins with a holistic, comprehensive understanding of who you are and the financial variables at work in your life. It means helping you to understand and to respond effectively to financial decisions. Wealth Management is helping you manage your personal income statement and balance sheet in a way that reflects the realities of your life and the uniqueness of your long-term goals.
As your Wealth Management Team, we are committed to building a relationship of trust in which we can work closely with you to help you define objectives, explore options, and find solutions. As our relationship evolves, we hope you will come to regard us as a valued resource – professionals who can help you make a more informed decision on any financial issue.
With a focus on partners of national law firms, our team works primarily with time-constrained individuals. Our experience enables us to provide highly customized and comprehensive recommendations without necessitating hours of your time.
Our process is suitable to anyone who is committed to wealth accumulation and preservation strategies. Our service model is designed to increase your awareness of economic conditions and related portfolio changes, while minimizing your time commitment to portfolio management and monitoring. Our investment philosophy is to seek higher net, risk-adjusted returns than allocation benchmarks.
About Albie Vollero
Functions:
• Portfolio Management
• Client Relationship Management
Albie began his career in Wealth Management in 1993 and has earned his Certified Financial Planner™ (CFP®) and Certified Investment Management Analyst (CIMA®) designations. Albie currently serves as the Portfolio Management Director for our proprietary investment strategies. His extensive background in financial planning, asset allocation, and portfolio construction enables him to interpret macroeconomic data and financial market events to generate practical investment ideas for clients. Albie's primary aim is to achieve risk-adjusted returns that surpass allocation benchmarks, net of taxes. He maintains consistent communication with clients regarding their investments and was recognized on Forbes' List of Best-In-State Wealth Advisors from 2019 to 2022.
In addition to his professional achievements, Albie takes pride in his commitment to personal fitness. He is married to his high school sweetheart from San Marino, and they have two sons.
Team Member – Best-In-State Wealth Management Teams for 2023.
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
2019-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
NMLS#: 1255561
CA Insurance License #: 0B29819
Our Process
A thoughtful wealth management strategy starts with accumulating your personal data – assets, liabilities, income, insurances, and goals. We incorporate statistical analysis to understand the range of potential outcomes for various "What-If" scenarios. We test the sensitivity of the primary assumptions in those scenarios and determine appropriate investment targets (annual savings, rate of return, and risk parameters). We then design an overall asset allocation, reflecting your unique needs and objectives. As life events are unpredictable, it is important to validate the investment targets over time and make appropriate changes to the strategy when necessary.
Assets
Once we determine an appropriate asset allocation, we construct a diversified portfolio comprised of one or more of our investment strategies. Each strategy is comprised of our best investment selections within each asset class – Stocks, Bonds, Alternative Investments, Tactical Investments, and Cash Equivalents. The strategies differ in percentage allocation to each asset class, reflecting differing levels of expected risk and return. We use a combination of strategies to help achieve your overall custom asset allocation. The combination of strategies depends on the number and size of accounts within your aggregate portfolio (e.g., IRAs, taxable accounts, etc). We manage the strategies on a discretionary basis, allowing us to make changes efficiently as markets evolve.
Liabilities
Managing what you owe is just as important as managing what you own. We help you make debt decisions based on long-term objectives and short-term conditions. For example, we help answer questions such as, "Should I use my bonus to pay down my mortgage?" (The answer isn't the same for everyone.) We also bring unique and less known debt strategies to you, where appropriate. Our liability recommendations are motivated by reducing total cost of debt over time.
Income
Cash flow is king. The whole objective behind retirement planning is to get to a point where you can turn off the "work spigot" and have enough income from other sources to pay the bills for the rest of your life. Inflation, social security uncertainties, and market volatility are a few of the threats to long-term income sustainability. We help you determine how much of your income today needs to be put aside to help ensure that you have sufficient income later.
Insurances
We can help you understand any gaps or areas of vulnerability within your financial situation. We can also help calculate the amount of insurance coverage you may need in order to eliminate those gaps so that you make more informed decisions on insurance transactions. Our clients appreciate our objective and methodical approach to analyzing their insurance needs.
Goals
Every client has unique and very personal financial goals. They represent expectations, aspirations, and lifelong dreams. These goals form the basis of our relationship with you – we calculate the cost of your dreams and then design a road map for getting there. As your goals change over time, so may the road map. It is critical that we have open communication about your evolving financial condition and expectations for the future, so that your portfolio continually reflects your goals.
Service CommitmentAt the heart of most poor financial decisions is an emotional reaction to either fear or greed. Over the years, we have found that regular communication with clients diffuses much of the emotional responses to market volatility. We formally schedule outbound calls to clients, so as to ensure this regular communication. On those calls, we discuss current economic and market conditions, portfolio composition, and client-specific performance. We want you to always know what we are doing and why we are doing it. In addition to the regularly scheduled calls, we are available at any time to discuss financial decision-making.
Fees
The Portfolio Management Program fee is based on assets under management (AUM), per household ("household" can include other family members). In this way, our objective is directly aligned with your primary concern (i.e., "achieving return targets and staying within risk parameters"), regardless of trade frequency. In some instances a commission arrangement is more appropriate.
DIGITAL TOOLS
Client Service Team
• Operations
• Client Service
Tiara has worked in financial services since 2000. She is director of operations for our group, helping clients with everything from understanding statements and getting online to transferring accounts and ordering checks. As client information is highly confidential, Tiara is responsible for managing all client information and special instructions. If a client concern involves portfolio questions or a financial decision, Albie or Todd would be your primary contact. If you need anything else, Tiara will most often have the answer.
Tiara appreciates a quality handbag. She and her husband are raising four children, including twin girls.
• Investment Research
• Performance Reporting
• Trade Support
• Projections Modeling
John has worked in financial services since 2012. He earned his B.S. in Economics from Brigham Young University and his M.B.A in Finance from Azusa Pacific University. John applies his analytical skills in helping manage portfolio models, in running lifetime cash flow projections, and in assisting with portfolio trades. Trained in all aspects of our business, John is able to support each team member in their respective responsibilities.
John and his family relocated to the Kansas City area in 2022. John, his wife Audrey, and their two sons, enjoy spending time outdoors at their local park and perusing the aisles at the local library.
• Operations
• Client Service
Sam LoPresti has been with Morgan Stanley since 1986. He began his career as a New Accounts Specialist, and later worked in a backup capacity for cashiering and wire operator. Sam then naturally transitioned into a CSA position. In 1993, he moved into management as an Operations Manager in the Costa Mesa Office, where he managed operations and support professionals for over 14 years. He then took on regional roles, including Southern CA Regional Service Manager for two years and Western Division Service Manager overseeing all operations for the West Coast.
After a two-year sabbatical following the merger with Smith Barney, Sam returned to Morgan Stanley in 2012 as the Southern CA Business Service Officer for the Orange County/San Diego area. He later worked in Human Resources for a year before becoming the Complex Business Service Officer for the Pasadena Complex in 2014. He held this role until 2020 before becoming a Business Service Manager until April of 2021. He currently works as a Business Development Director with the Rath Vollero & Reynolds Group. In this role, he supervises all service and business across the complex, managing the Business Service Managers, maintaining a strong business and service culture, and ensuring compliance standards are met.
Sam's strengths lie in customer service and people skills, and he enjoys interacting with clients to understand their needs and help them achieve their goals. He is also actively involved in his community, supporting charitable organizations and participating in group events.
Sam is a First Vice President with Series 7, 63, 65, 9, and 10 licenses. In his spare time, he enjoys working on home remodel/decorating projects and is skilled in electrical, woodworking, tile/stonework, and painting. He is also an artist, using oil painting and watercolors as his preferred mediums. Sam is passionate about the outdoors, cooking, entertaining guests, hiking, bike riding, swimming, and travel.
• Operations
• Client Service
Dylan MacLaren our Registered Client Service Associate, is dedicated to delivering a detailed client experience, focusing on building strong relationships with clients, as he provides the team administrative and operational support and assisting with the development and growth of our team.
Dylan holds the Series 7 and 66 licenses from FINRA, which designates him as both a securities agent and an investment advisor representative. He is also a certified Dale Carnegie graduate, having received a scholarship from the Delta Chi national board to participate in the Dale Carnegie leadership course. Dylan received The Highest Award for Achievement for his cohort and had to present a speech to the national board of Dale Carnegie and others.
Dylan graduated with Honors student from California State University of Long Beach with a 4.0 GPA majoring in business administration with an option in finance. Outside of his professional pursuits, Dylan prioritizes staying active with gym workouts, bike rides and hiking. He served on the executive board of the Delta Chi Fraternity raising money for cancer research. Above all, he values building genuine connections with people and maintaining a positive and driven attitude.
Location
Portfolio Insights
Financial Wellness
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
