Wealth Strategies Unleashed

In this episode of Wealth Strategies Unleashed, Robert Gilliland and Mike Alexander break down what separates growth from value, why portfolios naturally drift overweight to one side, and how to rebalance without letting headlines (or a hot streak) dictate your strategy.

They cover:

• A simple definition: growth stocks are companies growing earnings faster than the broad market (often tech / “momentum” names), while value stocks trade at a discount and are often associated with dividends and mature business models
• Why growth has led in recent years: when broad economic growth feels scarce, investors often pay up for the few companies still delivering it
• Common sectors: growth often shows up in technology, communication services, and consumer discretionary, while value is more common in energy and mature dividend-paying industries
• The dividend misconception: “living off dividends” isn’t automatically safer. High yields can signal real risk, and dividends can be cut if cash flow weakens
• Why “balance” matters: mixing growth and value can smooth volatility and help avoid chasing whatever’s working right now

Key takeaways:

• Don’t let a strong cycle trick you into concentration risk. Growth can dominate for years until it doesn’t.
• Dividend yield isn’t “free money.” The bigger the yield, the more important it is to understand why it’s that high.
• Consistency beats bragging rights. A smoother return path often matters more than a single big year, especially for long-term investors.
• Rebalancing is emotionally hard but strategically necessary. It forces you to trim winners and add to areas that haven’t had their moment yet without guessing the next headline.

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For personalized financial guidance,  schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Katy, & Spring, Memorial, Sugarland, The Woodlands, Missouri City, Cy-Fair TX. Explore our 3-step process and services we offer.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

Mary-Ann Bartels. break down what crypto actually is, why it’s gaining adoption, and how to think about it without getting swept up in hype or fear.

They unpack:

• Why crypto feels like a “new language” (and why that discomfort is normal)
• The core technology: blockchain as a continuously linked ledger that records and verifies transactions
• Why Bitcoin is so polarizing: younger investors are used to digital-native value, while older investors struggle with something they can’t touch
• The key distinction: Bitcoin as a “store of value” vs. many other “cryptos” functioning more like technology platforms
• The volatility reality: crypto can swing 50%+ in either direction. This is not “set it and forget it” money

They also discuss the bigger picture:

• Why “crypto” isn’t one thing: outside Bitcoin, projects like Ethereum and Solana are closer to competing infrastructure (like early internet platforms), where there will likely be many losers and a few big winners
• How rapidly technology adoption is accelerating (the “ChatGPT overnight” effect) and why crypto could follow a similar curve
• Why regulation is a major unlock: if clearer rules arrive, it could open the door to broader institutional participation and faster mainstream usage

Download the free guide that we've paired with this episode!

Subscribe, and leave us a review if this resonated with you!

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For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Katy, & Spring, Memorial, Sugarland, The Woodlands, Missouri City, Cy-Fair TX. Explore our 3-step process and services we offer.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

In this episode of Wealth Strategies Unleashed, Robert Gilliland sits down with Adam Malamed, CEO of Sanctuary Wealth, to unpack what the next 5–10 years will look like for clients and what they should expect from modern advisory firms.

They dig into three major shifts shaping the future:

• AI inside the advisor-client relationship - not as a replacement for personalization, but as a force multiplier. Adam explains how tools reduce admin work so advisors can spend more time on strategy, clarity, and real conversations.
• The “democratization of the family office” - services that used to be reserved for ultra-wealthy families are moving downstream. Clients are increasingly looking for a “financial quarterback” who coordinates planning across taxes, estate, insurance, business decisions, and family dynamics rather than a transactional relationship that only shows up during tax season or when a will gets drafted.
• The rise of alternative investments - Adam makes the case that the traditional retail portfolio has historically produced far different outcomes than institutional portfolios, largely because institutions use more non-correlated assets and alternatives. He explains why access has expanded dramaticallyand why many clients will likely see higher allocations to alternatives over time when appropriate and understood.

They also emphasize what clients should actively demand going forward:

• More differentiated products (beyond the same public-market menu)
• More services (planning that touches real-life decisions, not just performance reports)
• More tailored solutions (“one size fits one”)
• More modern experiences (how information is delivered, how families are included, how next-gen planning is handled)
  
  Download the free guide that we've paired with this episode!
  Subscribe, and leave us a review if this resonated with you!
  Share it & leave us a review on Apple or Spotify!
  For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Katy, & Spring, Memorial, Sugarland, The Woodlands, Missouri City, Cy-Fair TX. Explore our 3-step process and services we offer.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

In this episode of Wealth Strategies Unleashed, Robert Gilliland is joined by Adam Malamed, CEO of Sanctuary Wealth, to break down what clients should expect from a modern financial advisor and what trends are reshaping the industry.

They explore three shifts that are changing what “good advice” looks like:

• The Democratization of the Family Office - Adam explains how services once reserved for ultra-wealthy families (tax strategy, estate coordination, charitable planning) are now being demanded by everyday high earners and “millionaire next door” households. As wealth grows, clients increasingly want a true financial quarterback.
• Smarter Portfolio Construction Through Evolving Products - Client needs are expanding beyond a traditional “stocks and bonds” framework. Adam discusses why access to more sophisticated investment solutions continues to grow, and why clients should work with an advisor who understands what’s available, what fits, and what doesn’t.
• AI and the Future of Client Experience - Adam shares how AI-driven tools can help advisory teams operate more efficiently, reduce friction, improve follow-through, and communicate with clients in the way they prefer. The goal is more personalization, not less.

Adam closes with what he believes clients should prioritize when choosing an advisor:

• Like, know, and trust the person (because money is personal)
• Confidence that your plan supports your goals and you won’t outlive your money
• Access to the right products and strategies
• A broad, ongoing planning relationship that helps with retirement, financial planning, investment management, charitable goals, and family dynamics.

Download the free guide that we've paired with this episode!

Subscribe, and leave us a review if this resonated with you!

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For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Katy, & Spring, Memorial, Sugarland, The Woodlands, Missouri City, Cy-Fair TX. Explore our 3-step process and services we offer.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

In this episode of Wealth Strategies Unleashed, Robert Gilliland and Mike Alexander tackle a surprisingly common question:  “Am I saving too much for retirement?” and how to tell the difference between smart discipline and unnecessary sacrifice.

They unpack how to evaluate whether your nest egg is actually the right size by focusing on:

• Probability-based planning - Instead of assuming markets rise every year or blindly following rules like the “4% rule,” they emphasize building a plan around probabilities of success so you understand your odds of funding retirement through good markets, bad markets, and everything in between.
• Spending policy as the real driver of retirement success - Mike explains that one of the biggest determinants of long-term outcomes isn’t just investment returns, it’s spending behavior. The more control you have over discretionary spending, the more flexibility and stability your plan can maintain when life gets unpredictable.
• The tradeoff of saving “too much” - Saving aggressively can protect you from future uncertainty, but it can also quietly cost you time, experiences, and health-span opportunities. They discuss how fear can cause retirees to underspend even when they can afford to enjoy retirement, especially in the early “healthy years” when travel and lifestyle goals matter most.
• Warning signs you’re headed toward a shortfall - The clearest red flags aren’t always monthly spending. They’re the big, irregular hits: unexpected healthcare costs, storm damage deductibles, car replacements, or major one-time expenses that force you to liquidate assets at the wrong time.
• The two biggest wild cards: inflation and healthcare - They highlight why retirement costs don’t rise evenly across categories. They also discuss why long-term care planning today looks very different than it did for older generations.

Download the free guide that we've paired with this episode!

Subscribe, and leave us a review if this resonated with you!

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For personalized financial guidance,  schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Katy, & Spring, Memorial, Sugarland, The Woodlands, Missouri City, Cy-Fair TX. Explore our 3-step process and services we offer.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider explore what it really means to live a “luxurious lifestyle” and how thoughtful planning can help you enjoy meaningful experiences without derailing your financial future.

They break down several practical ways to balance lifestyle goals with smart financial decisions:

• Define what luxury actually means to you
  Luxury isn’t one-size-fits-all. For some people it’s travel and new cultural experiences. For others it’s time outdoors, hobbies, or meaningful shared experiences with family. The key is identifying what matters most to you, rather than trying to match what you see on social media or in someone else’s lifestyle.
• Plan ahead to reduce the true cost of experiences
  Many “luxury” expenses can cost significantly less when planned months in advance. Booking flights, researching destinations, and structuring trips strategically can allow people to enjoy premium experiences without paying premium prices.
• Avoid the traps of impulse spending and comparison
  One of the biggest financial pitfalls is trying to keep up with what others appear to be doing whether that’s influencers online or friends taking expensive trips. Impulse purchases and lifestyle comparisons can quietly push spending beyond what’s sustainable.
• Prioritize what matters and scale back elsewhere
  Instead of trying to maximize everything, focus spending on what’s most important. For example, someone might value flying first class but be comfortable with simpler accommodations once they arrive. Choosing where to spend helps stretch dollars further.
• Use technology and automation to stay on track
  Automating savings and investments ensures financial goals stay funded while leaving room to spend intentionally on lifestyle experiences. When saving happens automatically, it becomes easier to enjoy the money that remains.

Download the free guide that we've paired with this episode!

Subscribe, and leave us a review if this resonated with you!

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For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Katy, & Spring, Memorial, Sugarland, The Woodlands, Missouri City, Cy-Fair TX. Explore our 3-step process and services we offer.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

In this episode of Wealth Strategies Unleashed, Robert Gilliland & Sanctuary Wealth's Chief Investment Strategist Mary-Ann Bartels explore what could go wrong in 2025 and how investors should think about volatility if it does.

They share actionable ways to:

• Understand the biggest risks markets are watching in 2025
  Sticky inflation could push the Federal Reserve toward higher interest rates again. If markets begin anticipating that shift, it could trigger sharp but temporary selloffs.
• Recognize how tariffs and policy rhetoric can move markets
  Markets often react before policies are fully implemented. Even the anticipation of tariffs or trade changes can create volatility as investors try to price in potential outcomes.
• Monitor the impact of deficits, debt ceilings, and interest rates
  Rising government debt and the potential for “bond vigilantes” pushing yields higher could create pressure on markets if interest rates rise too quickly.
• Understand why traditional economic models may not be working the same way
  Years of zero-interest-rate policy and unprecedented Federal Reserve balance sheet expansion have changed how the economy behaves, making some historical signals less reliable.
• Watch for warning signs of excessive market optimism
  True market tops often coincide with widespread euphoria, heavy leverage, and large amounts of sidelined cash flooding back into stocks.
• Recognize why technology leadership still matters for markets
  According to Mary-Ann, as long as technology remains the market’s leadership sector, the broader market structure remains healthy.
• Stay disciplined when volatility appears
  Emotional reactions to market downturns can cause long-term damage if investors sell during declines and miss the recovery.

Download the free guide that we've paired with this episode!

Subscribe, and leave us a review if this resonated with you!

Share it & leave us a review on Apple or Spotify!

For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Katy, & Spring, Memorial, Sugarland, The Woodlands, Missouri City, Cy-Fair TX. Explore our 3-step process and services we offer.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are inte

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

In this episode of Wealth Strategies Unleashed, Robert Gilliland & Sanctuary Wealth's Chief Investment Strategist Mary-Ann Bartels cover one core idea:

What can go right in 2025 and why the bull case is still intact.

They break it down into a few big drivers:

• Fed cuts as a tailwind 
  Maryanne points out the Fed already cut rates meaningfully late last year, which supports liquidity and risk assets even if expectations for additional cuts cool off.
• Earnings are the real foundation
  Strip away the noise (politics, headlines, fear cycles) and markets ultimately follow earnings. Her outlook is built on continued earnings strength into 2025.
• The U.S. still attracts the world’s capital
  She frames the U.S. as “the prettiest house on the ugliest block” — stronger growth, stronger companies, and continued global demand for U.S. innovation (which also supports a strong dollar).
• A new innovation cycle is driving optimism
  Maryanne ties the upside case to the acceleration of the digital era: AI, infrastructure buildout, power demand, robotics, and next-gen internet tech. Her view is that these shifts can keep productivity and earnings expanding.
• Where opportunity may spread beyond “pure tech”
  She expects leadership to remain concentrated in mega-cap/tech-related areas, but highlights spillover potential into communication services, consumer discretionary leaders, industrials/infrastructure, and select utilities tied to the power buildout.
• Energy: income story now, natural gas story later
  Big oil looks more like a dividend/value allocation in 2025, while natural gas/LNG is the more interesting “growth pocket” if the theme plays out.

Download the free guide that we've paired with this episode!

Subscribe, and leave us a review if this resonated with you!

Share it & leave us a review on Apple or Spotify!

For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Katy, & Spring, Memorial, Sugarland, The Woodlands, Missouri City, Cy-Fair TX. Explore our 3-step process and services we offer.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider break down the truth behind the 4% rule and explore a much bigger question retirees face:

How do you turn decades of savings into a reliable paycheck?

They walk through the biggest challenges with traditional withdrawal strategies and explain why many of them struggle to hold up when markets, inflation, and real life get involved.

They unpack key ideas including:

• Why the 4% rule doesn’t pass the “A.G.E.” test
  The traditional rule assumes stable markets and predictable withdrawals, but it lacks adaptability, doesn’t guarantee funds when needed, and often fails to account for inflation or sequence-of-returns risk.
• How market downturns can permanently damage a withdrawal strategy
  Taking the same withdrawals during declining markets can create “irreparable harm” to a portfolio — forcing retirees to either cut spending dramatically or take on more investment risk.
• Why many common withdrawal strategies still fall short
  They examine alternatives like dynamic withdrawals, percentage-based strategies, RMD-style withdrawals, and inflation-adjusted spending and explain why each still struggles with flexibility and real-world unpredictability.
• The role inflation and healthcare costs play in retirement income planning
  Rising costs can quickly erode the sustainability of rigid withdrawal rules, especially over a retirement that may last 30 years or more.
• How the bucket strategy creates more stability and flexibility
  By separating funds into short-term income, mid-term needs, and long-term growth, retirees can maintain cash flow while allowing investments time to recover during market volatility.

Download the free guide that we've paired with this episode!

Subscribe, and leave us a review if this resonated with you!

Share it & leave us a review on Apple or Spotify!

For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Katy, & Spring, Memorial, Sugarland, The Woodlands, Missouri City, Cy-Fair TX. 

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider walk through a simple, practical “start the year right” checklist — beginning with a review of your plan, your goals, and the few key areas that tend to create the biggest surprises later.

They cover:

• Step one: review your financial plan + goals
  Revisit what you said you wanted last year. Did you hit the mark? Do the goals still matter? What needs to change and what should you be optimistic about as the year starts?
• If you’re still working: don’t wait to fund the year
  IRA/HSA/401(k) contributions are one of the easiest wins early in the year, not because you can “time the market,” but because time in the market beats timing the market.
• Tax season prep: get ahead of the scramble
  Look at realized gains, prep your document checklist early, and evaluate whether withholding/estimated payments need adjusting especially if you’re taking retirement distributions.
• Estate planning isn’t “set it and forget it”
  They emphasize reviewing wills/trusts/executors and beneficiary designations across accounts because life changes, people change, and outdated paperwork creates real problems.
• Portfolio + risk check after strong market years
  Good years can quietly shift your risk exposure. This is a smart time to rebalance, reduce emotional decision-making, and make sure allocations still match your actual risk tolerance.
• Don’t forget “life risk”
  The conversation expands beyond investments: homeowners/auto/umbrella/life insurance coverage should be reviewed as your family, income, and responsibilities evolve.

Download the free guide that we've paired with this episode!

Subscribe, and leave us a review if this resonated with you!

Share it & leave us a review on Apple or Spotify!

For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Katy, & Spring, Memorial, Sugarland, The Woodlands, Missouri City, Cy-Fair TX. Explore our 3-step process and services we offer.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.