A singular focus: YOU

Growing up in a blue-collar household and watching my father leave the house at 4:30 AM each morning for work and my mother handling the household/domestic duties of getting me and my three sisters through school, meals, sports, and social engagements, there wasn’t much of an effort put on planning for our financial future or ensuring our financial ‘ducks’ were in a row on a year to year basis.

This oversight would often erupt into issues when things would invariably go wrong and would cause my parents to fight. The financial anxiousness, worry, and stress were often palpable in the household and ultimately was the motivation for me to learn all I could about “finance stuff” (which is what I called it back then).

After graduating cum laude with a bachelor of arts in economics with a concentration in finance from St. Mary’s College of Maryland, I decided to join T. Rowe Price to learn all I could about the world’s primary investment product offering (mutual funds) and to tackle all my financial licensing so after a few years I could then find a wealth management firm where I could grow, thrive, and start working with clients.

In 2015 I joined Williams Asset Management in Columbia, MD where I worked as a Senior Financial Advisor for almost a decade serving clients. Working for such a reputable and client-centric firm armed me with invaluable experience to handle and understand the nuances, complexities, planning, and ever-changing regulations/legislation required to indispensably serve my clients’ needs.

I have seen and studied the different avenues, business models, technology, and players involved when it comes to delivering wealth management services to clients and it is with the aforementioned experience and knowledge of the clients I serve and the industry paths available, that I decided to launch Ibello Wealth Management.

As fiduciaries, we’ve dedicated ourselves to uncompromising integrity, accountability, and mutual respect. Our high expectations for ourselves ensure that we not only earn – but keep – your trust.

4. The cost of suboptimal financial planning and investing isn’t quantified in dollars and cents. It’s time you sacrifice with friends and family. It’s an extra 5 years working a job that controls your life. It’s a life of average experiences instead of unforgettable ones. Once you start thinking in these terms, you’ll understand what you’re really costing yourself by following general financial advice instead of having a truly tailored financial plan.

5. Risk exists in the stock market, even with a retirement time horizon of two-plus decades. This is what makes retirement planning so difficult. There are all kinds of unknowns to deal with, returns being one of the most nerve-racking. When planning for a multi-decade time horizon it’s important to:

• Set baseline expectations with the understanding they are educated guesses.
• Update your plans as those expectations do or do not become reality.
• Include a margin of safety in the planning process.
• Make course corrections along the way when needed.

Investment planning would be much easier if you were promised a specific rate of return but financial markets don’t work like that — you have to make reasonable decisions in the present about an unknowable future and be flexible enough to adapt when things don’t go as planned.

I enjoy eating immensely and you will never see me turn away food or an opportunity to enjoy a meal with family/peers.

I love reading and am constantly ingesting books on personal development, health and longevity, retirement, and financial planning and retirement strategies.