Welcome

I help you plan for your future with investment strategies that seek to encompass your whole life. With nearly 21 years of experience in financial services, I work mostly on a discretionary basis to provide highly customized wealth management strategies that are designed to match your unique needs.

After graduating from the University of Houston with a Bachelor of Arts degree in finance, I joined a large mutual fund company during the tech “bubble” of the late 1990s. While there, I watched how the “fad” funds fared versus many of the more time-tested, conservative funds. As a result of that experience, I tend to favor conservative investments, with a focus on downside protection. I learned early on that if you lose less during “down” periods, you don’t have as much to make up during “up” cycles. I began putting that philosophy into practice when I joined Smith Barney (Morgan Stanley predecessor) as a Financial Advisor in 2000.

As a CERTIFIED FINANCIAL PLANNER™ (CFP®), I am your advocate and act in your best interest. This designation is achieved only after undergoing a rigorous accreditation process and indicates an in-depth knowledge of the financial planning process, tax planning, employee benefits and retirement planning, estate planning and insurance.

As a Senior Portfolio Manager, I am one of a very select group of Morgan Stanley Financial Advisors who can provide fully discretionary management solutions to their clientele. I offer fee-based portfolios with an open architecture approach. This methodology allows me to sit on the same side of the table with you, serving as an objective advisor and presenting investment recommendations without the potential for conflicts of interest.

Married for 12 years, my wife and our four children stay busy with many family and school activities. When I get time to myself, I enjoy hunting and boating.
Securities Agent: TX, WV, WI, WA, VA, UT, OK, OH, NV, NM, NJ, NH, ND, NC, MT, MO, MI, MD, MA, LA, IL, ID, HI, GA, FL, CO, CA, AZ, AR, AL, AK; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1272780
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
First Vice President
Financial Advisor
Senior Portfolio Manager
Certified Financial Planner
Family Wealth Advisor

    Clients

    I help you plan for your future with investment strategies that seek to encompass your whole life. That means taking the time to get to know you – your dreams and goals, as well as your financial concerns and the issues that keep you up at night. Our mutual success stems from my ability to ask you the right questions and to listen carefully to your answers. No matter what unique need you have, I will seek to find an appropriate solution.

    Over the last two decades, I have advised and served the comprehensive needs of individuals, families and business owners like you by focusing on growing and preserving your hard-earned wealth. Working in concert with your other trusted advisors, I focus on integrating advice across the spectrum of your financial affairs so you can make a more informed decision on any financial issue.

    This approach allows me to establish deep and lasting relationships, to deliver hands-on, high-end service uniquely tailored to you.

      My Process

      My process moves from discovery to recommendation to review because of my knowledge in the following areas:
      • Financial Planning
        As a CFP®, I have undergone a rigorous accreditation process. As a result, every investment recommendation I make has your best interests at the forefront. Together, we create a financial plan that can be monitored, reviewed and changed to fit changes in your life and situation, be better prepared for the future and, in the case that any problems arise, consult the contingencies that are part of your financial plan.
      • Investment Planning
        Morgan Stanley Portfolio Services were established to provide individual investors with a level of personalized portfolio management typically reserved for many institutional investors. As a Senior Portfolio Manager, I have the credentials, experience and ability to custom tailor investment strategies designed to meet your specific needs.
      • Executive Planning
        Understanding the tax implications of financial choices around executive compensation can make the difference of millions of dollars in your pocket. My knowledge and experience helps clients who have highly concentrated positions and need counsel on divesting them wisely.
      • Investment Tax Strategies
        I work seamlessly with my clients’ attorneys, CPAs and other advisors to integrate financial planning with issues of tax, trust, philanthropic, retirement and estate planning needs. I provide key information and detailed plans and analysis about investment portfolios, net worth and cash flow needs. As a result, I strive to ensure that your portfolio and retirement planning solutions incorporate tax strategies that take full advantage of what may be available to you.
      • Retirement Planning
        I have helped hundreds of clients like you prepare for and navigate through the stages of retirement:
        1. Striving to grow your wealth to fund your future goals
        2. Helping provide a smooth transition to retirement
        3. Seeing to maintain your chosen lifestyle

      My Investment Philosophy

      When it comes to investing your hard-earned money, I focus on two key considerations: Your time horizon and the correct placement of your investments.

      Your time horizon tells us how much of your portfolio is actually available for investment. Anything you’ll need for the short term, usually 18-36 months in the future, will not go into the stock market. Similarly, the money that’s needed to meet your requirements 2-6 years down the road should not be put at risk. That leaves the remaining money in your portfolio to be earmarked for proper investing to meet your long-term needs.

      When considering the best placement, or allocation, of your investment monies, I take a good, long look at each possible solution in terms of a complete market cycle. I believe it’s crucial to know how a particular financial instrument has performed in “down” years as well as in “up” years. While it may be most important to you to grow your current investments, avoiding market downturns can make an even bigger difference in your portfolio’s bottom line.

      For example, the S&P 500’s 10 worst days over the 20-year period from 1994 to 2014 had a far greater effect on returns than the 10 best days.1 The outsize impact of market downturns is one reason I place such importance on downside protection. Minimizing losses is critical because you have less money working for you after a loss, and your portfolio must generate higher returns than before just to return to the break-even point. My big-picture goal is to help you avoid significant drawdowns so we can focus on building wealth when market conditions improve, rather than playing catch up with your capital.

      Client Service Team

      • Lida V. Alonso - Senior Registered Associate
        Lida provides strategic operational and administrative support to our clients. On a daily basis, she delivers excellent client service to our clients on a myriad of transactional needs, including account documentation, money movement, IRA distributions and other service-related issues. Lida has been with Morgan Stanley for 15 years and, as a Senior Registered Associate, she is able to process unsolicited trade requests.

        Lida graduated with a Bachelor of Arts degree in Communications from the University of the Philippines. She is married, has one child, and enjoys spending time with her large, extended family living in the Houston area.

      Location

      717 Texas Avenue
      Suite 3050
      Houston, TX 77002
      US
      Direct:
      (713) 658-2754(713) 658-2754
      Toll-Free:
      (800) 890-2774(800) 890-2774
      Fax:
      (713) 658-2729(713) 658-2729
      Investment and Market Perspectives

      On the Markets

      Retirement

      Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
      • 401(k) Rollovers
      • IRA Plans
      • Retirement Income Strategies
      • Retirement Plan Participants
      • Annuities
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      Investing

      Working closely with you to guide your wealth and investments through the most challenging market cycles.
      • Asset Management
      • Wealth Planning
      • Traditional Investments
      • Alternative Investments
      • Impact Investing
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      Family

      Creating customized financial strategies for the challenges that today's families face.
      • Estate Planning Strategies
      • 529 Plans / Education Savings Planning
      • Long Term Care Insurance
      • Special Needs Planning
      • Trust Services
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      Business Planning

      Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
      • Succession Planning
      • Business Planning
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
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      Philanthropy

      Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
      • Endowments
      • Foundations
      • Donor Advised Funds
      • Impact Investing
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      Ready to start a conversation? Contact Charlie Saman today.
      Market Information Delayed 20 Minutes
      Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

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