Our team is comprised of Investment Advisors, CPAs, Estate Planners, research professionals, and money managers, affording the firm comprehensive market exposure. This integrated experience, coupled with the fact that we invest in the same investment strategies that we recommend to our clients, re-enforces the firm’s conviction in its advice and process for selecting the most appropriate investment options, based on individual client needs.
OUR WEALTH MANAGEMENT TEAM
Investments & Retirement Plans
Mark K. Lund is the firms founder, CEO and author of The Effective Investor, a #1 Best Seller. He has written articles for or been quoted in: The Wall Street Journal, The Salt Lake Tribune, The Enterprise Newspaper, The Utah Business Connect Magazine, US News & World Report, and Newsmax.com, just to name a few. Mark publishes two newsletters called, “The Mark Lund Growth Report” and “Mark Lund on Money.” Mark provides CPE (continuing professional education) courses for CPA’s. You may also have seen him on KUTV Channel 2, or as a guest speaker at a local association or business. Mark provides investment and retirement planning services for individuals and 401(k) consulting for small businesses. In Mark’s spare time he enjoys riding his dirt bike, playing with his kids, fishing, reading, writing, and going on walks with his best friend, his wife. To learn more about Mark please visit his personal website at www.TheEffectiveInvestor.com
Marianne Ludlow founded Sundance Law Group to help people develop a legal plan that reflects their values and priorities, and that provides security for them, their loved ones and their businesses. She attended Brigham Young University and gradu
ated Cum Laude (top 10%) double majoring in Economics and Political Science. She then attended George Mason University Law School, just outside of Washington D.C., where she graduated in 1997 with High Honors (top 10%). After law school and a judicial internship, she practiced Business Law, Estate Planning and Tax Law in a Washington D.C. law firm that focused on the unique needs of small and medium sized business owners. She then served as in-house legal counsel to a technology company where she drafted and negotiated hundreds of contracts and advised the company on legal matters. She is a member of the Utah State Bar Estate Planning Section, Utah State Bar Business Law Section and the Utah County Estate Planning Council. She was recently awarded the Avvo Client’s Choice award. To learn more about Marianne please visit her personal website at www.sundancelaw.com
Michele Baer graduated from University of Utah with a bachelor’s degree in accounting. She is a CPA and started her career doing audit work for a local Utah CPA firm. She has been preparing taxes for the last 6 years and is excited to be working at Incite Tax. She looks forward to becoming acquainted with her clients and their businesses. Her main goal is to help her clients run their businesses as efficiently as possible while paying the least tax legally allowed. Michele is awaiting the arrival of her first grandchild. She loves reading, solving crossword puzzles, and spending time outdoors. Michele Baer is not an employee of Stonecreek Wealth Advisors, Inc. but serves as a consultant as part of our network. To learn more about Michele please visit her website at www.incitetax.com
Ryan Snow has more than 13 years of experience in business and law. He has founded several profitable startups, including a transportation and logistics company, a commercial finance factoring firm, a real estate title and escrow company and a heavy equipment financing organization. Ryan’s background gives him a rare perspective on the legal issues you and your business face. To learn more about Ryan please visit his website at www.novaslaw.com
Property and Casualty Insurance
Aaron Taylor – focuses his business in the area of asset protection. Has over 16 Years experience in multiple areas of insurance. 8 years with his current company. He received the JD Power’s prestigious Customer Service Excellences Award 7 out of 7 years. Awards: Utah/Idaho Sales Agent of the month 2 times, All American 5 times, District sales leader 16 times, national Top Ten 1 time. In his spare time he spends it with his family, in all type of recreation, motorcycling, camping. He is an avid athlete that enjoys playing just about any sport and exercise. To learn more about Aaron please visit his personal website.
Aspire Financial Services, LLC. First and foremost, Aspire supports our strategic distribution partners by automating processes, delivering the latest technology, providing branded solutions, communicating on all levels and offering flexibility to make wise, cost-effective investment choices. We serve all stakeholders with the same high level of commitment—implementing the smartest retirement solutions to achieve goals across the board. Aspire is a retirement management solutions company that focuses on enabling our strategic partners. If you are successful, then we are successful. With this motto in mind they have helped countless strategic partners build out robust offerings to achieve maximum success. To learn more about Aspire Financial please visit their website at www.aspireonline.com
Charles Schwab & Co. Schwab Institutional is a pioneering firm with a long history of working exclusively with independent financial advisors. Schwab is the largest provider of dedicated custodial services to the independent investment advisor community, and offers investors a variety of advantages such as the convenience of local branches, specialized institutional trading, banking trust and pension services, cash management tools, and 24-hour online account access. Schwab provides cost-efficient access to the wealth management and investment products our clients need, with the financial safety and security that is crucial in today’s economic environment. Schwab is also a leader in technological innovation, which allows us to manage portfolios with efficiency and precision. Charles Schwab is not affiliated with Stonecreek Wealth Advisors, Inc.
The Academics Behind The Portfolios
Free Market Investing is the result of the work of many brilliant individuals. The concepts developed and proven by the best and brightest economic and academic minds have created the intellectual framework with which money managers evaluate the risks and rewards of their investments.
Eugene F. Fama, University of Chicago, Robert R. McCormick Distinguished Service Professor of Finance Professor. He is credited with founding both the random walk hypothesis and the efficient market hypothesis. He has published numerous articles and worked in collaboration with Kenneth French to define the Three-factor Model. Considered a giant in the field of financial economics, he is among the world’s most cited academics. Research activities focus on theoretical and empirical work on investments; price formation in capital markets; corporate finance, and the economics of the survival of organizational forms. Dr. Fama also serves as Director of Research at Dimensional Fund Advisors.
Harry M. Markowitz. Nobel Prize Winner, 1990. As a graduate student in economics at the University of Chicago, Dr. Markowitz first studied portfolio design and risk reduction in his paper, “Portfolio Selection, ” published in the 1952 Journal of Finance. Thirty-eight years later, he shared the Nobel Prize in Economic Sciences with Merton Miller and William Sharpe for developing the theory of portfolio choice, one of the primary concepts crucial to the development of Modern Portfolio Theory.
William F. Sharpe. STANCO 25 Professor of Finance, Emeritus at Stanford University’s Graduate School of Business. Sharpe was one of the originators of the capital asset pricing model (the device that gave Wall Street the concept of the “beta”), developed the Sharpe Ratio for investment performance analysis, the binomial method for the valuation of options, the gradient method for asset allocation optimizations, and returns-based style analysis for evaluating the style and performance of investment funds. He has written six books and received the Nobel Prize in Economic Sciences in 1990.
Merton H. Miller, (1923-2000). Nobel Prize Laureate, 1990. Miller’s illustrious academic career started at Harvard, where he graduated in 1943. He worked at the U.S. Treasury and Federal Reserve, then earned his Ph.D. from Johns Hopkins University in 1952. He taught at Carnegie Tech, where he met Franco Modigliani (Nobel Prize winner 1985) and together they made economic history with the”M&M theorem.” Miller’s work on the effect of firms’ capital structure and dividend policy on market price along with the work of Markowitz and Sharpe contributed to Modern Portfolio Theory, and earned him the Nobel Prize in Economic Sciences in 1990.
Myron S. Scholes. Stanford University, Frank E. Buck Professor of Finance at the Graduate School of Business and Senior Research Fellow at the Hoover Institution. Scholes earned his Ph.D.in 1969 from the University of Chicago, and became heavily involved with the Center for Research in Security Prices (CRSP). He has written and published many articles on his own and in collaboration with other highly regarded academics, including Merton Miller, Fischer Black, and the man who shared his 1997 Nobel Prize in the Economic Sciences, Robert C. Merton. Merton and Scholes were recognized for their work on the derivative pricing formula. Scholes also holds honorary doctorate degrees from three universities: University of Paris-Dauphine, McMaster University, and Katholieke Univesiteit Leuven.
Kenneth R. French is the NTU Professor of Finance at MIT’s Sloan School of Management. He is an expert on the behavior of security prices and investment strategies. His recent research focuses on tests of asset pricing models, the trade-off between risk and return in domestic and international financial markets, the cost of capital, and the relation between capital structure and firm value. French is a Research Associate at the National Bureau of Economic Research, an Advisory Editor of the Journal of Financial Economics, an Associate Editor of the Review of Financial Studies, and a past director of the American Finance Association. He has co-authored numerous papers and articles with Eugene Fama. In 1990, they sought to determine what sources of risk the market systematically rewards with higher returns. The result of their research is known as the Three-factor Model. He is also a key advisor for Dimensional Fund Advisors.
The bio about each of these individuals and or firms is presented from sources that are believed to be reliable. However, we do not make any representation or warranty, expressed or implied, as to the accuracy of the research, completeness, or correctness thereof. Each individual or business listed, besides Mark Lund, is not employed by Stonecreek Wealth Advisors, they are some of the professional resources used to consult with and are made available to our clients.