About Deborah Gamber, RFC

You can pick the best advisor for your needs.

First, what is an Investment Advisor Representative?

Professional stockbrokers, mutual fund salespeople, and insurance salespeople can all call themselves financial advisors. An informed client will ask whether they all have the same responsibility to act in your best interest. There are two different legal standards which apply to the delivery of financial advice. They are called Suitability and Fiduciary.

 

Suitability ~ Currently stockbrokers and registered representatives are held to this standard, which means their recommendations must be suitable for you based on your age, risk tolerance and financial situation. If they have their choice of several products which are all suitable for your situation, they may recommend one which pays the most in fees and commissions. This may not be the product which is best in your personal situation, but as long as it is suitable, then the standard has been met. They may not educate you about other choices you may have.

 

Fiduciary ~ The word itself comes originally from the Latin fides, meaning faith, and fiducia, trust. The fiduciary duty is a legal relationship of confidence or trust between two or more parties. A registered investment advisor representative must meet a more stringent standard as a fiduciary. A fiduciary has the responsibility to make recommendations in your best interest in all aspects of the financial relationship. In such a relationship good conscience requires the advisor to act for the benefit and interests of another, with loyalty to those interests.

 

About Deborah Gamber, RFC®

 

Deborah is president of Sequoia Financial Corp., which has specialized in the financial needs of retirees since 1994. She is proficient in a variety of planning strategies to meet the needs of income planning, IRA distribution planning, long-term health financial planning and legacy/estate tax planning. With a degree in mathematics, she has worked for over thirty years, explaining complicated goals and strategies, making them simple and easy to understand for her clients.

 

Deborah’s ability to analyze difficult problems came from studying theoretical mathematics at the University of Colorado. As a branch manager with NOAA in Boulder, she was able to help physicists solve problems utilizing complex mathematical formulas to explain atmospheric phenomena. Later in her career progression, being a sales representative for Boeing, she helped CEO’s analyze complicated business and problems to relate the solutions to computer design engineers.

 

These stepping stones to the last 23 years have helped her brainstorm with clients to help them pursue their personal retirement income goals. Deborah is able to objectively acquire different security tools for short term income needs and others for long term growth. This has always been her objective in retirement distribution planning, because of her personal concern for a client’s nest egg being there for their lifetime goals.

 

Deborah specializes in first understanding your goals for assets and helping you discern what are your best choices in the overall market with limited risk of loss. She then partners with you to monitor your progress and assure that your retirement dollars are allocated to meet your specific needs. They contact her when their financial needs change. Deborah has assisted many clients in managing their financial freedom and legacy through a unique approach to financial planning. If you would like to understand the many options available to you and how to optimize the planning you have already accomplished in your working career, then click on the contact menu button and complete the information requested. Deborah will be in contact with you soon.