Welcome

Financial markets can be overwhelming to outside observers, but I’ve found that following a simple, common-sense approach often yields the best results. This is particularly true in today’s media- saturated environment where one can be overwhelmed by data and information.

But data alone does not equal wisdom. Temperament, perspective and self-awareness are underrated attributes in the world of finance and these are things I strive to bring to each of my clients as we work toward achieving their goals.

Less is more is one of my guiding principles and the ability to identify what matters most, filter-out noise and focus on what we can control are hallmarks of my process.
Services Include
  • Asset Management1
  • Estate Planning Strategies2
  • Executive Financial Services3
  • Financial Planning4
  • Professional Portfolio Management5
  • Retirement Planning6
  • Trust Accounts7
  • Executive Benefit Services8
Securities Agent: AK, AL, AZ, CA, CO, CT, FL, GA, HI, ID, KS, MA, MD, MN, NE, NJ, NV, NY, OH, OR, PA, TX, UT, VA, WA, WI, WY; Investment Advisor Representative; General Securities Representative
NMLS#: 557601
Check the background of Our Firm and Investment Professional on FINRA's BrokerCheck.*

My Process

The foundation of my wealth planning approach is our comprehensive 4-step process that reveals each client’s unique situation and puts all the pieces of their financial picture together. The benefit of following a time-tested process is that it provides clarity and confidence as you move toward your vision of the future.

Step 1: Discovery

The process begins with a conversation about your financial and lifestyle goals as well as what you expect from the financial planning process. I will also review information about me, my practice and my approach to financial planning. The purpose of this meeting is for each of us to determine whether or not there is a fit. In my experience, this is the foundation of a solid long-term relationship.

Step 2: Design

Once we have a clear understanding of your situation, we design a planning strategy specific to your goals. This process goes far beyond asset management and addresses our clients’ most important values, relationships, and lifelong dreams. The plan we develop provides you with straightforward, customized, actionable advice designed to keep you on track with the ability to course-correct as needed.

Step 3: Deploy

After conducting comprehensive due diligence and analysis of appropriate investment vehicles, strategies are chosen from our expansive investment platform that match your goals, risk tolerance and overall plan.

Step 4: Ongoing Assessment & Service

We conduct reviews on a regularly scheduled basis that lets us track against current goals, respond nimbly to changes in your situation, and act upon new opportunities as they arise.

    Working With You

    We provide comprehensive financial planning in the context of a long-term relationship with you. Through our experience we have learned it is important that everyone is clear on what to expect if we are to develop and maintain a successful working relationship – one where I can help you achieve your financial and lifestyle goals.

    What You Can Expect

    You can expect that I will consistently and responsibly perform all services related to the provision, review and ongoing monitoring of the financial planning solutions we implement on your behalf.

    I will always:

    Strive to acquire and maintain a thorough understanding of your financial goals.
    Update your current financial information on a regular basis.
    Carefully assess and monitor your investment risk and time frame.
    Explain the implications of all recommended financial planning strategies and gladly answer any questions you may have.
    Update you as and when appropriate by email, mail and phone.
    Meet you with you regularly to review your plan.
    Act as your primary Financial Advisor, coordinating the efforts of other related professionals as and when required.
    Treat you with the utmost respect and professionalism

      Biography

      With almost 24 years in the industry, I offer you professional competence, personal integrity and a refined process to assist in putting all the pieces of your financial picture together.

      After graduating from UC San Diego with a Bachelor of Arts in English/American Literature, I chose
      to broaden my life experience by teaching English in Japan. There I deepened my beliefs in valuing people time and events.  Upon returning home I began my career in financial services.
      I combined my interest in current affairs and financial markets with a desire to help people live more meaningful lives, especially in retirement.

      Stewardship and service are two of my guiding principles and becoming the trusted advisor to clients has
      allowed me to realize both my professional and personal goals. I believe a balanced life is essential
      happiness and as such I’m dedicated to helping my community be a better place to live and work. I am active in
      coaching youth sports, Lector Ministry at St. Anthony of Padua Parish and fundraising for two local charities. In my spare time I enjoy crossfit, reading history, fishing and music.

      A Marin County native, I grew up the ninth of ten children in San Rafael and reside in Novato, CA with my
      wife Cecilia and our most valuable assets - daughters Keira, Meghan and Julia.

        Client Service Team

        • Andrea Camahort - Client Service Associate
          Phone: +1 415 460-6207

          Direct: +1 415 482-2731

          Andrea.Camahort@ms.com

        Location

        750 Lindaro St
        Suite 300
        San Rafael, CA 94901
        US
        Direct:
        (415) 482-2726(415) 482-2726

        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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        The Simple Six-Step Retirement Checkup

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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
        Five Smart Strategies to Use a Bonus or Raise

        Five Smart Strategies to Use a Bonus or Raise

        Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

        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
        Financial Transition: A Guide for Women

        Financial Transition: A Guide for Women

        Here's how to take control of your finances if a death or divorce leaves you holding the reins.

        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
        6 Keys to Building a Startup

        6 Keys to Building a Startup

        Entrepreneurs share ideas and learnings from the experience of starting a company.

        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
        A New Roadmap for Mission Alignment

        A New Roadmap for Mission Alignment

        Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

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        Ready to start a conversation? Contact Mike Welch today.
        Market Information Delayed 20 Minutes
        1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.

        2Morgan 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 and other legal matters.

        3Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

        4Morgan 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.

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        6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.

        7Morgan 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 and other legal matters.

        8Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

        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.

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        The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable 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.

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        *References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.


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