Put the Client
Rowland Carmichael’s long-term approach to
wealth management, investing
and financial planning reflects a quarter-century commitment to placing your interests ahead of ours.
Janice Lee Orick Wendy Clouser Kristin Greenleaf
Dawn Santeford Tina Martinicca
Our Wealth Management Philosophy
Investing is for achieving long-term
Broad diversification serves to
Disciplined rebalancing minimizes
Happy clients are informed, and
delegate the details to a trusted advisor.
An Alternative to the Wall Street Culture
Rowland Carmichael traces its roots to the early 1980s,
when Tim Rowland and
David Carmichael worked together as stock
brokers at a major Wall Street investment firm. The
work environment was not a good fit for either of them, as the Wall Street
culture focused more on what was best for the firm and the stockbroker than for
their clients. That firm had a saying: “The firm made money, and the broker made
money. Two out of three ain’t bad.”
In the absence of an established investment firm with
compatible values for client service and results, Tim and David set out on their
own in 1987, founding a Phoenix investment firm that would become Rowland Carmichael Advisors, Inc.,
now headquartered in downtown Scottsdale.
Their business plan was simple: “Put the
client first,” and replace the commission-based broker compensation model with a
fairer and more client-friendly fee-based system. That plan appealed to Tim and
David’s clients, all of whom followed them to the new firm.
Of further value to clients was the fact that Tim and
were no longer limited to offering the proprietary products of a particular
investment firm; rather, they were free to select from the best investment
solutions available. They were also free to pursue top-tier investment talent,
an ongoing quest designed to ensure that the founders’ client-first values would
be perpetuated to the next generation of ownership and service.
Wealth Management: The "Big Picture" for Investing
As Rowland Carmichael has evolved, so has the scope of our
services. Our long-term commitment to listening to clients and concentrating on their
objectives revealed a growing need for effective
financial planning. As a solid foundation for making investment decisions, financial planning encompasses a diverse array of factors
that influence the accumulation of wealth – income, expenses, debt, taxes,
insurance, risk management, estate planning, pre-retirement, retirement and, of
course, investing – and we studiously consider all of those factors in advising
Our clients benefit from our big-picture approach to
offering investment advice that respects their long-term priorities for growing,
preserving and enjoying their wealth and for sharing their wealth with family
members and other beneficiaries.
The Story Is Just Beginning
Our story – much like yours – is
far from complete. Just as you have a long-term outlook, we too continue to
structure our firm to ensure that Rowland Carmichael’s client-first philosophy
and insight will continue to build family wealth, for you, for your children, and
for future generations.