Michael Velarde,

With more than 34 years of experience in retirement planning and investment management, Michael has the accumulated knowledge and perspective to help you with your financial goals. Michael understands the dynamics of wealth, how to balance the complex forces at work and how to adapt intelligently as conditions change.

As your life and needs as an investor evolve, so will your vision for the future and risk tolerance. Michael will be with you every step of the way offering sound advice and customized financial strategies designed specifically for you. Michael endeavors to create long-term, meaningful relationships with a select group of clients and provide them with personalized financial planning advice using some of the industry’s most comprehensive resources. His investment process takes into account your investing experience, your expectations for returns, your tolerance for risk and the performance of your portfolio.

Based on what he learns about you and your goals as well as an analysis of the current financial markets, Michael designs a customized investment portfolio based on recommendations made solely with your best interest in mind. He then takes the time to explain his recommendations and, once you are comfortable with your new plan, Michael puts it into action and monitors its performance for opportunities to adapt to life changes and new goals. Michael began his career in financial services in 1987 and previously spent 10 years with Wells Fargo Advisors, 16 years with Smith Barney and eight years with Merrill Lynch. Today, Michael provides retirement planning, discretionary portfolio management, managed money, equity and fixed income trading, 401(k) plan management and more at Raymond James.

While having lived in California and Arizona, Michael now resides in El Paso, Texas. He is a member of several fly-fishing, mining and off-road adventure clubs. His interests include his family, dogs and the outdoors.