ALLEN • ALBRITTON • HOUGHTON • ELMHORST
REGISTERED CLIENT SERVICE ASSOCIATE
Karen McCarthyRegistered Client Service Associate
Karen has been at Allen & Company since 2008, and has over 36 years of experience in financial services. In addition to holding a Series 7 license, Karen is the primary point of contact for scheduling, strategic communication initiatives, and coordinates all team-sponsored client events. In addition to the team’s administrative responsibilities, she also supports the firm’s senior management.
Karen has served on many community boards over the years and has lived in Lakeland since 1969.
Melissa McKinneyFinancial Paraplanner Qualified Professional™
Melissa joined Allen & Company in 2007. All the while, she has been a leader in furthering her education by obtaining her Series 7 license, Financial Paraplanner Qualified Professional™ designation, Life Insurance/Health/Annuities license as well as being the team’s only holder of the Chartered Retirement Plan Specialist designation.
Melissa supports the team by operating as the main contact for the team’s 401(k) plans and participants. She also is the lead for preparing client meeting reports, client insurance processing, and creating financial plans.
Kathy FrenchRegistered Client Service Associate
Kathy joined the team in 2011. Her 17 years of industry experience helps her to provide solutions to clients for their day-to-day questions. She holds her Series 7 and Series 66 licenses. She works closely with CPAs and attorneys as the lead contact for sophisticated trust and estate transactions.
Kathy currently resides in Lakeland where she and her family are actively involved with The Dream Center of Lakeland and the Fontaine Gills YMCA.
Danielle DurhamRegistered Paraplanner®
Danielle is one of the first voices you’ll hear when you call the Allen-Albritton-Houghton-Elmhorst group, working with the team since 2015. As a Financial Paraplanner Qualified Professional™ and holder of Series 7 and 66 licenses, Danielle’s responsibilities include coordinating annual Required Minimum Distributions for clients, reviewing income strategies, and processing new accounts.
Prior to joining Allen & Company, Danielle completed two years of service with AmeriCorps, a nationally renowned program to serve local communities.
FINANCIAL CONCIERGE SERVICES
The Allen-Albritton-Houghton-Elmhorst Group strives to add value to our clients in a variety of ways. Our Financial Concierge Services reflect our commitment to this principle and showcase our competencies to assist our clients with virtually all aspects of their financial lives.
Modern Financial Access
We aim to provide a variety of options for interacting with our team and accessing account information. In addition to in-person meetings and paper statements, we provide an Allen & Company Smartphone App, online account access, screen-sharing and conferencing capabilities for clients to view and interact with us and their accounts. Other technologies include: Debit Card, Check Writing and Asset-Backed Lending for liquidity solutions.
We also offer eMoney©, an account aggregation and consolidation platform, to enable our clients to see a complete Snapshot of all their assets and liabilities no matter where they’re held. If you already have an eMoney © account click the link below to log in, and if not give us a call today to talk about how eMoney © may be able to simplify your life and your finances.eMoney Access eMoney© is a registered service mark of eMoney Advisor, LLC and used under license.
It is our view that there is no one-size-fits-all in investment management. As a result, we draw on our experience and knowledge to craft tailor-made portfolios for our clients. Our solutions include: Exchange Traded Funds (ETF’s), Institutional Separately Managed Accounts (SMA’s), Mutual Funds, Stocks, Bonds, Options, and Annuities.
In addition, we work to address other areas of our client’s financial lives including Insurance, Long-Term Care Funding solutions, Corporate Stock Options, Charitable Giving, Estate Planning, and Social Security analysis.Our Investment Philosophy
The move from working to retirement can be one of the most stressful events in someone’s life. In addition, it is becoming increasingly common for people to gradually wind down, or find different streams of income rather than full retirement. To this end, we work with clients to design a custom retirement income strategy to guide them in all stages of retirement.
No matter one’s goals or stage of life, a foundation for all of our financial planning is a customized Envision© financial plan. This goals-based financial planning software facilitates a beneficial discussion of someone’s goals and objectives, as well as the corresponding level of savings and investment risk necessary to accomplish them.Envision® is a registered service mark of Wells Fargo & Company and used under license. IMPORTANT: The projections or other information Envision generates regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time.
Often, a principal goal for high-net-worth families is to effectively transfer wealth to the next generation, while also transferring the principles and work ethic that helped earn it. To this end, we aim to provide relevant guidance to all generations. This ranges from broad financial education to hosting large-scale multi-generational family meetings for high-net-worth families.
We have heard many times through the years that the simplicity created through the consolidation of accounts has been one of the most impactful things our practice has provided. Our team works with clients to simplify their financial lives where possible. In addition, we have the ability to utilize account aggregation software to provide a consolidated snapshot of one’s financial picture including outside accounts.
Tax Mitigation Consulting
We work closely with our clients and their tax professionals every year to identify potential tax savings to clients primarily through capital gains analysis and potential tax loss harvesting. In addition, we work with clients over a number of years to determine the most tax efficient way to draw from their accounts in retirement.
Business Succession Consulting
Our team has worked with many business owners who have ultimately found themselves in a business succession event. These situations might be a family member taking the reins, or a sale of the business to a third party. Throughout the process, we consult and plan with clients and their team of advisors to address all the potential financial impacts, and create a plan to ensure the client’s goals are achieved before, during, and after the transition.Business Succession PDF
Our objective for The Exchange is to provide an avenue for our team to deliver timely insights to our clients and followers. Posts center around either Investment Commentary and Strategy or Comprehensive Financial Planning Issues. On both fronts, we aim to deliver timely and relevant information that cuts through the noise that so often consumes the financial media.
Our Investment PhilosophyThe foundation of the relationship we establish with each of our clients is one based on trust, and trust must be built over long periods of time through demonstrating both high levels of integrity and competency. Along these lines, we believe that experience matters. Just as passengers of a cross-country flight would expect their pilot to be well versed in all weather conditions, we believe families should demand highly experienced financial professionals as well. Because of this, we offer a team of seasoned and competent professionals with decades of experience,…
January 3, 2018
Tax Reform As We See It
After being signed into law by President Trump last week, Tax Reform is now a reality. As a result, we felt it appropriate to convey what we see as the defining characteristics of the bill, as well as what it may ultimately mean for the markets. The two most talked about corporate provisions of the […]Read More
December 6, 2017
As we begin to close the book on 2017, and start to peer into the looking glass to see what 2018 may bring, we think it is wise to reflect upon the year to see if there are any themes that may continue to hold into the New Year. 2017 has been a year that […]Read More