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We believe the most important step in the investment process is determining how to allocate assets between each asset class (stocks, bonds, and cash alternatives). As your advisor, we’ll work closely with you to understand your goals and objectives, identify relevant risks, and design the appropriate portfolio.
A sound investment Portfolio should consist of multiple layers of diversification designed to optimize returns while managing risk. We help our clients make informed decisions about the construction of their portfolio. Our approach takes into consideration several key factors, while utilizing a wealth of resources and data. Our main objective is to build a strong portfolio that not only suits your lifestyle, but safeguards against market volatility and unforeseen events.
Classic Financial commits significant research to the oversight of its asset under management. With over 30 years of experience, we focus vigorously on investment risk analysis to assure that desired levels of diversification are maintained. As markets change, we constantly make adjustments when more compelling investment opportunities present themselves. We continually evaluate both quantitative and qualitative data, to ensure our performance criteria has the utmost accuracy for each client.
It’s not just the money you earn that matters, rather what you keep. If left unchecked, taxes can reduce your after-tax return by over 50%. Our investment planning process includes techniques such as tax harvesting, which is designed to help you keep more of what you earn. We focus on tax management to help mitigate tax implications within your portfolio, which in turn can help boost after-tax returns and the overall market value of your portfolio.
*Classic Financial does not provide tax and/or legal advice, but will work with your attorney or independent tax or legal advisor.
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Building Relationships Through Honesty, Integrity and Service
Vice President
Ellen is a native Californian and comes from a family of educators. She graduated from California State University, Northridge with a BA in Liberal Studies and an additional 30 postgraduate units in special education. Always interested in the business world, she incorporated her knowledge and background with children and was the Primary Director of a Resident and Day Camp in Malibu. Her leadership skills helped grow and organize the business to make it one of the most successful Children’s Camps in Southern California.
After a decade long career as an educator, her teaching credentials enabled her to help clients understand how to reach their financial goals. Ellen has been in the financial business since 1992 and has been working with Charlie for over 25 years. One of her priority roles with Classic Financial is to help clients better understand the programs and tools they implement to reach their financial goals. She has direct contact with every client and coordinates all quarterly, semiannual and annual reviews. Ellen is a member of the MDRT’s Quarter of the Table and has received numerous acknowledgments for her financial success and professionalism.
Charlie moved from New York to California in 1982 and began his career in the Financial Planning industry with Mutual of New York in Beverly Hills. In 1994, Charlie decided to extend his education and obtain his Certified Financial Planning designation. In addition to completing a comprehensive financial planning curriculum approved by the CFP Board, CFP® professionals are required to complete continuing education coursework. This includes a CFP Board-approved code of ethics course that sets forth their ethical responsibilities to the public, clients and employers. CFP® professionals must have a minimum of three years’ experience in the personal financial planning process prior to earning the right to use the CFP® certification marks.
Charlie has been helping individuals, business owners and health professionals reach their financial goals for over 30 years. In effort to provide clients with a more personalized and comprehensive approach, he began Classic Financial in 2000. Charlie is also an Investment Advisor Representative and Insurance Agent. He is a member of the MDRT’s Top of the Table and has been recognized several times for his financial aptitude.
