Rick Mayo, CFP^®

Mr. Mayo specializes in the preparation and management of investment programs for individuals, businesses and non-profit organizations. Whether it is an inheritance, divorce settlement or 401(k) rollover, an investment program can be established which seeks to reduce risk and increases return. While there are no guarantees that your objectives will be met, there are 3 ways of achieving this: 1)"Manage the Managers", such as mutual funds, variable annuities, Unit Investment Trusts, Exchange Traded Funds and independent investment managers. This will spread every dollar over many investments as opposed to having "all your eggs in one basket." 2) Dollar-cost-averaging will allow you to spread your purchases into volatile markets over time rather than potentially purchasing investments at their peak. In other words, this strategy is designed so that the investor will not buy high or low over time but at an average price over time. 3) Asset Allocation will allow you to invest the "eggs into different baskets". This concept was first introduced by Harry Markowitz in the 50's, for which he won a Nobel Prize. By investing money into different TYPES of investments, the client can seek to reduce risk and increase returns versus investing in one class of security. Initially, Rick interviews a prospective client at no charge or obligation for 30-45 minutes to determine compatibility of goals and expectations. **Fulton Financial Advisors and Fulton Private Bank operate through Fulton Bank, N.A. and other subsidiaries of Fulton Financial Corporation, including Fulton Insurance Services Group, Inc. The Advisors at Fulton Financial Advisors and Fulton Private Bank offer a broad array of financial products and trust and retirement services some of which are provided through The Leaders Groups, Inc., and/or Raymond James Financial Services, Inc., independent and unaffiliated registered broker/dealers, Members FINRA/SIPC; and Pittsburgh Brokerage Services, Inc., and/or Specific Solutions, Inc., unaffiliated licensed insurance agencies. Investment advisory services offered through Raymond James Financial Services Advisors, Inc., an unaffiliated investment advisory firm registered with the SEC. Raymond James Financial Services, Inc. is not affiliated with Specific Solutions, Inc., Pittsburgh Brokerage Services, Inc., The Leaders Groups, Inc., Fulton Private Bank, Fulton Financial Advisors, Fulton Bank, N.A., Fulton Financial Corporation or any of its subsidiaries. Neither The Leaders Groups, Inc. nor Pittsburgh Brokerage Services, Inc. is affiliated with Fulton Private Bank, Fulton Financial Advisors, Fulton Bank, N.A., Fulton Financial Corporation or any of its subsidiaries.

Comprehensive Financial Planning, Budget & Debt Management, Charitable & Planned Giving, Asset Allocation, Investment Management, Getting Divorced, Employee Benefits, Government & Military, Getting Married, Retirement, Starting a Family, Sudden Wealth, Special Needs, Personal Taxes, Women's Finances