Philosophy

I am a steward of my client’s wealth, and work as a fiduciary for their benefit. 

 

Managing wealth involves far more than managing an investment portfolio.  It begins by developing a holistic understanding of who you are, and the   financial forces at work in your life. It means having a plan in place to effectively deal with these forces. Together, we will explore a broad range of topics that are likely to influence your financial future. What we learn together will be the cornerstone for your specific wealth management strategy based on your goals and timeline. Only then will we determine the level of  risk that makes sense for you, and identify the investments and insurance within the asset allocation that can help achieve your financial goals. 

That will only be the beginning.  Over time we will revise your strategy to reflect changes that occur in your personal, and business life - so as to reflect new aspirations and priorities.  

   

 

Qualifications

  •  I am a Fiduciary to my clients, and as an Independent Advisor I have access to some of the most revered financial resources in the industry.

  • I hold a Master’s degree in Management and Economics from The Johns Hopkins University, in Baltimore, MD.  I  received my Bachelor of Science degree in Business Administration from Old Dominion University in Norfolk, VA.; emphasizing Marketing and Business Law. 

 

  • I have been deeply involved in investing for over 35 years, and created Pavik Wealth Management Inc. so I could bring to my clients a higher level of comprehensive financial competence then what I had received as a client of major Wall Street wealth management and brokerage firms in the previous 25+ years as CEO and President of The Pavik Group, a market research firm; and as an executive in the automotive industry.

 

  • I have achieved my Series 7 (General Securities Representative) and Series 66 (Investment Advisor Representative) security registrations that are held with LPL Financial, and maintain requisite Life, Health & Annuity Insurance licenses.

  •  I am a Financial Planner and create personalized wealth management strategies based on my client's individual goals and vision.

  • I am a ChFEBC℠ (Chartered Federal Employee Benefits Consultant SM) - a prestigious designation who have successfully completed an intensive training course and passed a rigorous examination covering all federal employee benefits.  All types of federal employees are covered, such as CSRS, FERS, CSRS Offset, FERS Transferees, Law Enforcement, fire fighters, air traffic controllers, etc., with requisite requisite knowledge of benefit  programs.

 

  • As a founder, owner, and seller of a multi-million dollar business, I understand many of the needs of an entrepreneur.  From the competitive advantage of sufficient working capital, and cash flow, to growing margins through efficiencies.  Also, understanding the need to create a retirement plan for yourself and your employee’s that appropriately suits the financial requirements of your business, while retaining key employees. 

  • As an executive in a corporate environment, I understand how you need to not put all of your financial eggs in your corporate retirement basket.  There are numerous historical examples, and more everyday, of how companies are leaving their employees with nothing for their financial future when the company merges, goes bankrupt, or files for re-organization. 

 

  • I have spoken in front of many audiences, from small groups to thousands, relative to such diverse topics as business process improvement, to financial planning and economic trends.

 

It would be my honor and pleasure to serve you, your family, and your business financial objectives!

 

 

Investment Advisory Representative and Registered Representative of  LPL Financial Corporation, member FINRA/SIPC.

PAVIK WEALTH MANAGEMENT Inc. does not offer tax or legal advice.

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