James Pomfret and Michelle Harf-Grim have earned the Five Star Wealth Manager Award in 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020 as published in Baltimore Magazine and with ad appearing in the Wall Street Journal*
James Pomfret has earned his Chartered Life Underwriter® (CLU®) professional designation. The CLU® demonstrates; an in-depth knowledge of life insurance underwriting concepts and life insurance law within the context of overall risk management, the necessary knowledge to help clients address their estate planning needs, and an understanding of solutions addressing the life insurance underwriting needs of business owners and professionals.
James Pomfret and Sarah Telljohann have earned their Chartered Financial Consultant designation. A Chartered Financial Consultant is a professional designation representing the completion of comprehensive coursework, examinations and practical experience on advanced financial topics such as estate planning and employee benefits planning.
James Pomfret has earned the Accredited Investment Fiduciary (AIF®) Designation. This professional certification demonstrates he serves as an investment fiduciary with legal responsibility for managing somebody else's money, such as a member of the investment committee of a charity.
Michelle Harf-Grim has earned her Chartered Retirement Planning Counselor (CRPC®) designation which focuses on building an in-depth knowledge of clients' needs both before and after retirement. As a Chartered Retirement Plan Counselor, Michelle focuses on client centric problem solving as she assists clients planning for the entire retirement planning process, including planning for multiple financial objectives, identifying sources of retirement income, building personal savings, taking advantage of employer-sponsored retirement plans, planning for tax efficient investing, projecting and meeting retirement cash flow needs, asset management and estate investment planning.
Sarah Telljohann has earned the CERTIFIED FINANCIAL PLANNERTM, or CFP® professional certification. To earn her CFP® credential, Sarah completed hundreds of hours of rigorous courses and examinations. These courses were followed by a comprehensive examination administered according to the Certified Financial Planner Board of Standards.
*The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one clients’ experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 1,898 Baltimore wealth managers were considered for the award; 234 (12% of candidates) were named 2020 Five Star Wealth Managers. 2019: 1,865 considered, 265 winners; 2018: 1,759 considered, 232 winners; 2017: 1,093 considered, 355 winners; 2016: 1,215 considered, 356 winners; 2015: 1,749 considered, 412 winners; 2014: 1,484 considered, 395 winners; 2013: 1,490 considered, 448 winners; 2012: 1,470 considered, 262 winnershttp://www.fivestarprofessional.com/awards/wealth_manager_program.php.