Our Clients -- Profiles & Successes

When we meet, we will be glad to offer you the names of clients you can contact about us.  We feel that checking out our references can do more for you than what we can write in our website.

Our clients include individuals and couples that are retired or approaching retirement and are dependent upon their investments to generate retirement income. Many are professionals, widows, and small business owners that seek a long-term relationship with their financial advisor. Most of our clients have accumulated substantial assets for their current or pending retirement. They are conservative to moderate risk-takers, who are more concerned about preserving their assets and achieving their life goals than beating the market or boasting about an investment’s performance with friends and family.
We’re often asked …“what’s your track record?”  And although this is a fair question, it can be a difficult one to answer because success means so many different things to people at various stages of their lives.  So to give a fair answer, we’re providing you with some of our past successes – those successes that span age and life circumstances.  It’s our sincere desire that these excerpts give you a glimpse of the way we do business and the way we customize plans for your particular needs.

Small Business Owner – A couple with a newly formed small business sought Dr. Ulivi’s advice on how to optimally invest their pension plans.  But when all was said and done, Dr. Ulivi made recommendations that had affects far beyond simple return on pension investments.  It turned out that this couple rented office and adjoining warehouse space for their successful business and after looking at all the facts, purchasing an industrial office building seemed like an excellent course of action, too.  The couple agreed.  After a successful run of almost 20 years, an unfortunate death forced the sale of the business, but left the widow with a worry-free retirement, due in large part to the simple advice some twenty years prior.  Today, she receives one third of her income from that real estate purchase, is financially independent and has traveled around the world.

The Couple about to Retire – This couple had lived in the same house for nearly 30 years, and wanted to retire in an area more in line with their retirement dreams.  They needed advice on location and how much house they could buy in addition to how to invest their sizable IRAs.  One year after Dr. Ulivi began working with them, they were able to buy their dream retirement home in another state.  Their IRAs were invested in a conservative portfolio of mutual funds, individual stocks and government securities.  This assured that their income was enough to meet living expenses while providing for the future growth of their capital.

The Recent Widow -- Ulivi has helped many widows through what could be very difficult and fearful times financially.  Losing a loved one is a time of devastating, personal loss and NOT a time to make hasty decisions – financial or otherwise.  Knowing this, Dr. Ulivi has learned to let grieving widows take time – not to pressure them into making decisions.  He’s learned that through time and the right assistance, they will make the decisions that will positively affect their future.  The key phrase in this situation is patience and understanding.

The Young Entrepreneur – In 1983 a young man came to see Dr. Ulivi for a financial checkup.  Because of their discussions, Dr. Ulivi realized the young man’s potential and acumen for business and strongly encouraged him to start his own firm.  He did.  By the mid 90s, this young man had a company with over 18 employees that is still growing today.

The young family – A couple, both under 30 years old, had been married for six years and had two young daughters.  They were living in an apartment and the wife was a stay at home Mom.  Both graduated from college, but in order to payoff his student loans, he joined the armed forces and served for several years.

When Dr. Ulivi met them, they had just inherited several hundred thousand dollars – a windfall that literally and very unexpectedly came out of the sky.  The inheritance came in the form of a portfolio of individual stocks – containing a well- diversified mix of blue chip companies.  Dr. Ulivi was hired to advise them on how to manage this money.

Quickly, it became clear that their number one goal should be to buy a home.  The next steps were a bit more difficult.  Since their income was limited, we wanted to keep their mortgage payments low.  However, they were reluctant to put a large down payment on a house – fearing the loss of their new-found wealth.

Dr. Ulivi helped them decide how much to spend on a home, which home to buy, and how to budget for their one-time expenses such as furniture, upgrades, and a new car.  A college funding plan was set up for their children—so that they could avoid their father’s experience of having to join the army to payoff his college loans.  The balance of their finances was invested in growth vehicles.

The newly divorced woman:  It is difficult enough to go through a divorce, especially if compounded by the loss of current income.  Unfortunately, divorcees often face a substantial drop in their standard of living.  Gone are the big house, the fancy vacations, and the expensive clothes.  The new reality may be difficult, but with Dr. Ulivi’s guidance, these women can rebuild their financial lives from the ground up. 

The first step is usually the development of a detailed cash budget to determine what they can afford to spend.  Then, Dr. Ulivi helps to establish a long-term savings and investment plan, allowing them to enjoy a secure retirement.

The stock options case:  In late 2000, a young engineer was looking for an investment adviser because he had a multimillion-dollar stock option award, and had already vested in nearly a million and a half dollars.  His concern was what to do with this wealth, and how to manage his other stock portfolio, too.

This young engineer interviewed Dr. Ulivi, as well as several other advisors.  After a careful screening, he decided to hire Ulivi Wealth Management.  During the first working session, Dr. Ulivi felt that it was imperative that they review the financials of the company that awarded those options, since he was concerned about the valuations of technology companies.

After spending one hour analyzing the company during this first meeting, Dr. Ulivi strongly recommended that the client immediately sell his vested options, which at that time had a value of close to one and a half million dollars.  The engineer said he would think about it, and two days later called to say that he followed through with Dr. Ulivi’s advice.

Lucky this was his decision – because within one week the stock started a free fall that reduced its value by nearly 80%.  The engineer saved over a million dollars by acting on the advice dispensed by Dr. Ulivi.

Dr. Ulivi’s advice is personalized.  He listens to your concerns, your needs and your aspirations.  He also has an uncanny ability to “read between the lines” and uncover opportunities or spot points of weakness in your finances. He then tries to tailor his advice to fit your unique situation