| Member: | Darby Simmons
|
| Company: | Citigroup Smith Barney |
| Phone: | 410-876-8030 |
| email: | j.darby.simmons@smithbarney.com |
| website: | http://fa.smithbarney.com/darbysimmons/index.htm |
| Description: | Darby carries a number of titles that demonstrate his commitment to his vocation and to his clients. As a CERTIFIED FINANCIAL PLANNER, he takes a comprehensive view of his clients' financial picture in an effort to act as their personal CFO. Both sides of your personal balance sheet are reviewed and the result is a financial plan that maximizes investment return without undue risk. Although paying taxes is part of making money, Darby stays conscious of this in order to give his clients the maximum, after-tax, total return.
As a portfolio manager, Darby uses individual stocks, bonds, mutual funds, annuities, and CDs to yield the desired percentage return. Although not required, the majority of Darby's client's give him discretion over their accounts so that he can use his experience and daily touch to, "pull the trigger" on the investments and their timing. As a Retirement Plan Specialist, Darby makes sure that employers have the best employer sponsored retirement plan to retain valuable employees. The most common solution is one that requires the lowest expense to the employer with the maximum potential benefit to the employees. Whether that comes in the form of an IRA, Roth IRA, Simple IRA, SEP, or full-blown 401(K)/403(B), Darby uses the extensive tools and power of Citigroup/Smith Barney to consult with employers and offer them choices. His secret to success is always keeping the client's interests first and educating clients better than anyone else in the business. |
