We have no allegiance to any product or product sponsor
Your best interest guides our investment decisions
We will spend more time understanding your personal needs than overwhelming you with investment options.
Patrick Chitwood began his investment career in 1979 as a broker with Paine Webber after practicing as a Ph.D. psychologist. He has managed offices for Wheat First and Robinson Humphrey in North Carolina before founding his own firm in 1988 in Birmingham Alabama. He has published in Journal of Accountancy, Financial Planning, Money magazine, Wealth Manager, Inside Information and Financial Advisor. He lives with his wife, Judith in Asheville NC.
Pam Stunda started her career in the Trust Department of AmSouth Bank. From there, she was recruited into the financial services industry with Patrick Chitwood, where she has been dedicated to helping clients with the highest level of service possible for over 30 years. She assists clients and the advisor in the areas of client communications, day-to-day account service requests, portfolio report preparation and compliance. She lives with her husband Ron in Tampa FL.
We start by clarifying our fee structure and explaining the different ways we can help. Our assessment of risk tolerance is based on repeated conversations because risk tolerance is as dynamic as life. No quiz or test can measure risk tolerance in a meaningful way. Only repeated contact and understanding of an investor's attitude toward volatility and risk can assess their tolerance.
Patrick Chitwood's four decades of market experience have provided a solid background of understanding and planning for market volatility. Structuring portfolios to withstand the interest rates of 21% in the 1980's to less than 1% currently, sustaining crashes such as 1987, 2000-2003, 2008, and February 2020 requires hands-on long term experience
Fiduciaries are required to act in the best interest of their clients, not their own. Many investors do not realize that many firms can act in their own best interest and not that of the client.
An independent advisor is one with no allegiance to a particular company or product sponsor. An independent advisor is typically compensated a percentage of fees under management and does not benefit from recommending one investment over another.
Our recommendation is quarterly. More frequent reviews result in looking at a lot of "noise", Less frequently may result in incorrect assessment of current risk tolerance and overlooking opportunities.
Patrick Chitwood :205-907-9555 , pat@cwm.news or Pam Stunda: 205-518-2611, pam@cwm.news
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Securities offered through Triad Advisors, LLC, Member, WWW.FINRA.ORG , WWW.SIPC.ORG . Advisory Services offered through Triad Hybrid Solutions, LLC, a registered investment advisor. Chitwood Wealth Management and Triad Advisors are not affiliated.
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