Stephen (Steve) Hartman, Sr. joined Privada Wealth Management in 2017 and has been a Registered Representative and Investment Advisor Representative since 1989. He joined J.W. Cole Financial, Inc. in August of 2015. Prior to his association with J.W. Cole, Mr. Hartman was registered with SWS Financial, Bank of America Private Client Group and Chubb Securities.
Mr. Hartman holds a Series 7-General Securities License, and has successfully completed the Series 63-Uniform Securities Agent Law Exam and the Series 65-Uniform Investment Advisor Law Exam. He is currently licensed in 12 states. In addition, he has the Life and Health Insurance and Variable Annuities license through the State of Florida. FINRA and the State of Florida have continuing education requirements in order to maintain these licenses.
He graduated from the University of Central Florida (B.S.B.A - Finance) and the Graduate School of Bank Management at the University of Virginia. He has been active in the Lambda Chi Alpha Alumni Association, the UCF Golden Knights Club, and his neighborhood homeowner association and Board of Directors.
Although living in Central Florida for nearly all his life, Mr. Hartman is an avid Pittsburgh Steelers fan, since being born there. In his spare time, he enjoys traveling, golf, tennis and boating, and his two children and four grandchildren.
Having been licensed for over 30 years, Mr. Hartman has witnessed and experienced a vast array of economic conditions and scenarios, as well as a diverse group of clients with their various goals and objectives. It is these experiences and knowledge, coupled with the technology and opportunities in today's marketplace offered thru Privada Wealth Management and J.W. Cole Financial, that make him uniquely qualified to assist his clients with their financial lives.
At Privada Wealth Management, our mission is to help our clients reach their financial goals. This overarching mission informs everything we do.
Rey Descalso
AAMS®, AIF®, BPC®
In May of 2010, Rey Descalso left a large wirehouse to create a firm that would help his clients without call centers, proprietary products or the legacy liabilities of large Wall Street firms.
He has been a Registered Representative and an Investment Advisor Representative since 2005, joining J.W. Cole Financial, Inc. in 2010. Prior to founding Privada Wealth Management, Mr. Descalso had been registered with Wells Fargo Advisors Inc., Wachovia Securities, and A.G. Edwards.
Mr. Descalso attained the Accredited Asset Management SpecialistSM (AAMS®) designation through the College of Financial Planning and the Accredited Investment Fiduciary® (AIF®) designation through the Center for Fiduciary StudiesTM. He utilizes a Nobel Prize award-winning investment strategy (The Bucket Plan®) and attained The Bucket Plan® Certified (BPC®) designation. The BPC® process allows him to implement the most comprehensive wealth management plans.
He has a Series 7 license through the Financial Industry Regulatory Authority (FINRA)and successfully completed the Series 66 registration exam developed by the North American Securities Administrators Association (NASAA). In addition, he has the Life and Health Insurance and Variable Annuities license through the State of Florida. FINRA and the State of Florida have continuing education requirements in order to maintain these licenses.
General Information |
| Firm Start Year: | 2010 | |
| No. of Employees: | 5-9 | |
| Insurance License#: | E177586 |
| Number of Years with Current Firm: | 8 |
| Work with the following types of clients: | Individual Investors, Businesses |
| Advisory Services Provided: | Wealth Management, Financial Planning for Individuals, 401K Rollovers, Investment Advice & Management, Estate Planning & Trusts, Financial Planning, Retirement Planning |
Services |
| Investment Types: | Annuities, Stocks, Bonds, Mutual Funds, Insurance, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Your Home, Our Office, Phone, Your Office, Video Conference |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Long Term Care, Variable Life, Variable Annuity, Disability, Annuity, Life |
Firm Information |
| Advisor's Number of Clients: | 92 |
| Advisor's Number of Managed Clients: | 80 |
| Advisor's Number of Planning Clients: | 75 |
| Assets Managed by Advisor: | $120,000,000 |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $500,000 |
| Compensation Methods: | Based on Assets, Hourly, Flat Fee, Commissions |
| Fee % Based on Assets: | 1% |
| Additional Details on Charges: | Client fees can only be quoted after a free initial conversation. |
Disclosures |
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WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. Securities offered through J.W. Cole Financial, Inc. (JWC). Member FINRA/SIPC. Advisory services offered through J.W. Cole Advisors, Inc. (JWCA). Privada Wealth Management and JWC/JWCA are unaffiliated entities. Registered Representatives of J.W. Cole Financial, Inc. whose identities and associations with Privada Wealth Management are disclosed on this site, may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed in order to assure our compliance with this regulation. |
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Additional Detailed Disclosures |
Disclaimer |
| Privada Wealth Management and JW Cole Financial, Inc. are unaffiliated entities. Advisory services through J.W. Cole Advisors, Inc. Securities offered through J.W. Cole Financial, Inc. Member FINRA/SIPC The WiserAdvisor Program is a directory of investment professionals. WiserAdvisor is unaffiliated with Privada Wealth Management and J.W. Cole Advisors, LLC. |
Registered Representative:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Criminal Disclosures in Last 5 years:
I have a clean record
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