Happy Fourth of July
Our office and the Market will close at
2:00pm on Monday July 3rd
and will be closed on
Tuesday July 4th
July 4th, as many long-time readers know, has always been a special holiday to my extended Chow family. My father was very proud that his birthday was July 4th, especially given he was a US naturalized citizen. After his mother passed away, Dad came to the US when he was 12 to join his father. While Dad had only 2 years (I think) of schooling in Memphis, he somehow learned enough to be very knowledgeable about being an American. And even though he never finished school in China or the US, he was a prolific reader of both Chinese and American papers and literature. I often think Dad should have been a professor or schoolteacher, but such opportunities didn’t exist for him. Instead, he opened and ran a very successful grocery store business. His understanding of behavioral finance (before there was such a word) and basic marketing concepts made him a pioneer in building (and helping other Chinese merchants build) successful small groceries in the Mississippi Delta. His teachings and marketing ideas influence me to this day. Amazing how his concepts and understanding of people have withstood the test of time. His basic belief: find out what your customers really want and deliver it! He even used his people skills to build a relationship with the Immigration Dept and a key MS Senator to help many Chinese immigrate to the US legally. In a way, everyone was a “customer”.
Back to celebrating the 4th of July. Dad was very social and always happy to celebrate any occasion, especially his and our country’s shared birthdays! Our home in Shelby was in the country, on the edge of town on the old highway 61. It was large enough to have huge parties and Shelby had no rules against fireworks. My dad always made his special barbecue sauce and lots of rib eye steaks. People came from far and near to join in the celebration feast and play mahjong into the wee hours of morning. The last big party celebrating his birthday was July 4, 1997 when he turned 80.
My Dad, James, born July 4, 1917 - always ready for fun
Coincidentally and to my joy, our first grandchild, Micaela (Bruce’s daughter) was born on July 4, 2000! This meant we had good reasons to continue our July 4th celebration, which we do most often at Bruce and Lise’s in Glendale, CA where we can also watch the fireworks from their hilltop home.
The family will gather again this July 4th at Bruce and Lise’s, where we always include my dad’s famous barbecue. My youngest sister, Judy and her husband, Bill Heath are now in charge of making the sauce and the delicious ribs for the family and the party.
Bill Heath & Bruce Cacho-Negrete chefs for Chow's Barbeque
This year we will have lots to celebrate at our July 4th family event in addition to Micaela’s birthday!
Cole Cacho-Negrete’s graduation from high school
Micaela Cacho-Negrete’s college graduation
My youngest daughter Dana's 25th wedding anniversary with Kenji Hashimoto
Wedding July 4, 1998 in Palo Alto, CA
Being recognized again by Barron’sas one of the2023 Top Women Advisors
Wishing all of you a wonderful July 4thcelebration with friends and family too!
Sincerely,
Margaret C. Starner
Senior VP - Financial Planning
2333 Ponce de Leon Blvd. Suite 500
Coral Gables, FL 33134
www.starnergroup.com
BARRON'S Hall Of Fame Advisor - inducted in 2019
Barron’s 2023 Top 1200 Financial Advisor
2023 Forbes TOP 250 Wealth Advisor list
2023 Forbes TOP WOMEN Wealth Advisor list
2023 Forbes BEST-IN-STATE Wealth Advisor list
BARRON’S Top 100 Women Financial Advisors - 2022
Investment News - 2020 Lifetime Achievement in
Excellence in Diversity & Inclusion Award
Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. "Barron's Hall of Fame" is an award honoring a group of advisors who exemplify long-term success and commitment to their clients. Each member of the Hall of Fame has appeared in 10 or more of Barron's annual Top 100 Advisor rankings, and their long-looking commitment to excellence is a hopeful example for the industry to follow. The Top 100 Advisor rankings are based on data provided by individual advisors and their firms and include qualitative and quantitative criteria. Data points that relate to quality of practice include professionals with a minimum of 7 years financial services experience, acceptable compliance records (no criminal U4 issues), client retention reports, charitable and philanthropic work, quality of practice, designations held, offering services beyond investments offered including estates and trusts, and more. Financial Advisors are quantitatively rated based on varying types of revenues produced and assets under management by the financial professional, with weightings associated for each. Investment performance is not an explicit component because not all advisors have audited results and because performance figures often are influenced more by clients’ risk tolerance than by an advisor’s investment picking abilities. The ranking may not be representative of any one client’s experience, is not an endorsement, and is not indicative of advisor’s future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. Barron’s is not affiliated with Raymond James.
Nominees for the 2020 InvestmentNews Diversity & Inclusion Lifetime Achievement Award must currently be working as financial planners, registered representatives or registered investment advisers, or as industry professionals in a role that supports financial advisers. Judges will consider management, team development, achievement and a minimum 15-year commitment to fostering diversity and inclusion. InvestmentNews received about 130 nominations for the Diversity & Inclusions awards and selected 1 individual for the Lifetime Achievement award. The ranking may not be representative of any one client's experience, is not an endorsement, and is not indicative of future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating nor is Raymond James affiliated with InvestmentNews.
The Forbes ranking of America’s Top Women Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative and quantitative data, rating thousands of wealth advisors with a minimum of seven years of experience and weighing factors like revenue trends, assets under management, compliance records, industry experience and best practices learned through telephone and in-person interviews. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. This ranking is based upon the period from 02/04/22 to 09/30/22 and was released on 02/02/2023. Research Summary (as of February 2023): 38,314 nominations were received and 100 women won. This ranking is not indicative of an advisor's future performance, is not an endorsement, and may not be representative of individual clients' experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. Raymond James is not affiliated with Forbes or Shook Research, LLC. Please visit https://www.forbes.com/lists/list-directory/#1184217eb274 for more info.
Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. The rankings are based on data provided by 5,630 individual advisors and their firms and include qualitative and quantitative criteria. Time period upon which the rating is based is from 09/30/2021 to 09/30/2022, and was released on 03/10/2023. Factors included in the rankings: assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work. Investment performance is not an explicit component because not all advisors have audited results and because performance figures often are influenced more by clients’ risk tolerance than by an advisor’s investment picking abilities. The ranking may not be representative of any one client’s experience, is not an endorsement, and is not indicative of advisor’s future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. Barron’s is not affiliated with Raymond James.
The Forbes Top Wealth Advisors Best-In-State 2023 ranking, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. This ranking is based upon the period from 6/30/2021 to 6/30/2022 and was released on 4/4/2023. Those advisors that are considered have a minimum of seven years of experience, and the algorithm weights factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Out of approximately 39,007 nominations, 7,321 advisors received the award. This ranking is not indicative of an advisor's future performance, is not an endorsement, and may not be representative of individual clients' experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. Raymond James is not affiliated with Forbes or Shook Research, LLC. Please visit https://www.forbes.com/lists/best-in-state-wealth-advisors/?sh=181ba856ab97 for more info.
2023 Forbes America's Top Wealth Advisors, developed by Shook Research, is based on the period from 6/30/2021 to 6/30/2022 and was released on 4/4/2023. 39,007 nominations were received and 250 advisors won. Neither Raymond James nor any of its advisors pay a fee in exchange for this award. More: https://go.rjf.com/432ppOn. Please see https://www.forbes.com/top-wealth-advisors/ for more info.
Barron’s Top 100 Women Financial Advisors, (Year). Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. The rankings are based on data provided by individual advisors and their firms and include qualitative and quantitative criteria. Time period upon which the rating is based is from 03/31/2021 to 03/31/2022, and was released on 06/17/2022. Data points that relate to quality of practice include professionals with a minimum of 7 years financial services experience, acceptable compliance records (no criminal U4 issues), client retention reports, charitable and philanthropic work, quality of practice, designations held, offering services beyond investments offered including estates and trusts, and more.
Financial Advisors are quantitatively rated based on varying types of revenues produced and assets under management by the financial professional, with weightings associated for each. Investment performance is not an explicit component because not all advisors have audited results and because performance figures often are influenced more by clients’ risk tolerance than by an advisor’s investment picking abilities. The ranking may not be representative of any one client’s experience, is not an endorsement, and is not indicative of an advisor’s future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. Barron’s is not affiliated with Raymond James.
