Wealth Management
Sam Estes – VP, Investment Advisor
Sam Estes is a lifelong resident of Hall County where he graduated from Lakeview Academy. He went on to receive his Bachelor of Business Administration in Finance from North Georgia College and State University in Dahlonega. Prior to joining Mountain Valley, Sam worked for Raymond James Financial Services in Gainesville as well as E*TRADE Financial Services.
In these tough economic times, Sam understands investors’ concerns and believes that each and every investor’s situation is unique. He believes that his customers’ portfolios should be designed to account for change, both in the market and in their circumstances. He is focused on helping his clients achieve financial independence through professional advice, sound risk management, quality investment products and personal, efficient service. Please see Sam for all of your investment needs.
Contact Information:
(706)-348-MVCB (6822) Toll Free (877) 288-1466 sestes@MVCBank.com
Investment Services
Getting Started
Financial opportunities can be found everywhere, but how do you know the best way to realize your dreams? Usually, no single product or predetermined solution allows you to meet your financial goals and objectives. Therefore, the best way to meet your investment goals is to have a comprehensive plan. At Mountain Valley Investment Services, we are committed to providing independent and unbiased solutions to our clients. Through a comprehensive approach, we will work with you to identify your goals, prepare a plan that is easy to understand, and upon your approval, implement that plan. Then on a regular basis, we will review with you, your goals and objectives, investment performance and other important information. The result is a financial plan which addresses any, or all, of the following topics:
- Asset Management
- Retirement Planning
- Planning for College
- Investment Solutions
Asset Management
The financial consultants at Mountain Valley Financial Services, through a brokerage affiliate arrangement with Nexity Financial Services, provide comprehensive financial planning and asset management services for high net worth individuals and businesses. With access to timely, detailed information, computer-modeling tools and market intelligence, our financial consultants make informed decisions on your behalf. No conflicts of interest are imposed by the constraints of "in-house" or proprietary products that may be inconsistent with your needs. With our independent, unbiased approach to investing, you can be confident that our only goal is to help you reach yours.
Retirement Planning
From developing a comprehensive retirement plan, to growing your savings and maximizing your investment potential, our personal finance solutions are designed to help you reach all of your financial goals. Mountain Valley Investment Services can guide you through the retirement planning process. Once your plan is in place, your financial advisor will review and revise your land on a continuous basis, adjusting your portfolio as your situation changes. Additionally, given the tax complexity in this area of investing, we address the issue of how best to distribute assets form your retirement plan accounts. The financial planning accomplished in this area may be the most significant part of securing your financial future.
If you own your own business, or are self-employed, we can help you select the right retirement vehicle for you and your employees. Our plans include 401(k)s, SEP IRA's, defined benefit, deferred compensation and profit sharing plans. In addition, we will choose the investments to fund those plans and manage your plan on an ongoing basis.
Planning for College
College costs are on the rise. Are you certain that you have done everything you can to address the education needs of your children in the most tax-efficient manner? We can help you identify your educational goals, incorporate data on specific schools and project how much money you will need to set aside to meet those goals. We will discuss the various savings vehicles currently available including Qualified State Tuition 529 Plans, UGMA/UTMA accounts, Coverdale Savings Accounts and trusts.
To effectively invest your education funds, it is important to consider certain issues such as who controls the assets in the plan, what is the effect on financial aid, what are the tax implications of contributions and distributions and other factors that directly impact your savings plans.
Investments that Fit
A wealth of investment products and services, plus the convenience of working with a Mountain Valley Investment Services financial advisor who understands your needs and goals.
Alternative Investments
For qualified investors, Alternative Investments offer a number of investment choices that can further diversify a portfolio by investing in areas of the markets with a low correlation to more traditional equity and income investments. Such investment vehicles include:
- Hedge Funds
- Private Equity Funds
- Managed Features Funds
- Hedge Funds-of-Funds
- Exchange Funds
- Real Estate
Annuities
A full range of annuities, including:
- Fixed
- Variable
- Immediate Income
- Index
Ongoing due diligence on the product offerings of a number of the industry's leading annuity providers, assuring investors that the quality of their investment remains high.
Life Insurance
We have established relationships with a wide variety of quality insurance companies in an effort to provide coverage for nearly every risk while maintaining extremely competitive prices, including:
- Level Term
- Universal Life
- Variable Universal Life
- Whole Life
- Long Term Care Insurance
- Disability Income Insurance
Third-Party Managers
A wide variety of fee-based investment alternatives, such as:
- No-load mutual funds
- Individually managed accounts
- Individual securities
- Loan mutual funds
- No-load mutual funds*(Available in Wrap Fee/Advisory accounts)
- Exchange traded funds
Retirement Solutions
Access to retirement plan providers that service all types of plans. Ongoing due diligence is conducted on all of the providers. Emphasis is placed on reducing plan costs, improving employee education, monitoring investment performance and helping manage fiduciary responsibility. Types of plans include:
- Money Purchase Pension
- 403(b)(7) Deferred Compensation
- Traditional 401(k) / Safe Harbor 401(k) / Simple 401(k)
- 457 Deferred Compensation
- Simple IRA / SEP IRA
*Securities and investment advisory services offered through Nexity Financial Services, Inc. Member FINRA/SIPC. Nexity Financial Services is not an affiliate of Mountain Valley Community Bank. Not FDIC Insured; No Bank Guarantee; May Lose Value.
