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Simplifying the complexities of your financial life

Planning, Investments, Taxes, and Estate

Learn How


As life changes, your finances and priorities are in a constant state of motion. We help to ensure your financial plan and your investments align with what matters most to you.


As a wealth management firm, we provide advice in all aspects of your financial life.  We bring together extensive experience to help you manage your investments that align with your financial goals.


Wherever you are on your financial journey, we want to meet you there with the insight and tools to get you further. We specialize in helping working professionals, business owners, pre-retirees, retirees, multi-generational families, female investors, and foundations.


       

Office Meeting

There is a PERSON behind everyone's personal finances, and that's YOU.  We begin by listening to your needs, concerns, and ultimately, what matters most to you. Then, together, we build a comprehensive plan that includes a roadmap to get you there.


Our passion is to help people from all walks of life find their own vision of true wealth. That means helping define what true wealth looks like for you, putting a plan in place to help you pursue your vision, then helping you maintain the true wealth you’ve achieved.


Financial Planning

Goal Based Financial Planning


Investment Advice

Investment Management


Retired Couple

Retirement Planning


Family

Estate, Philanthropy, Legacy


Tax Strategy and Planning


Graduation

Family Governance and Education


Integrated Services


Travel

Lifestyle and Wellness Resources


Are You Ready for Retirement?

At Avisen, we help you make the most of your financial savings and investments so when it is time to retire, you can live the life you deserve. Together with our experienced team of investment managers and financial planners, we help build your comprehensive retirement plan.

It all starts with a simple conversation. Start yours today.








 Your Money. Your Unique Journey.

Working Professionals and Business Owners

Working professionals and business owners have specific needs. Whether building your career or running a business, it leaves little time to plan for your financial future. But this takes focus and experience.  We're here to help you make sound financial decisions for yourself and/or your business.

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Pre-Retirees and Retirees

Comprehensive retirement planning requires a deeper look into all the areas of your finances, so you can make the important decisions with confidence. We’ll help you work through them all. By bringing each issue into clear view and creating manageable action steps, we’ll address all the aspects of your retirement planning together.

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Multi-Generational Families

We understand the critical importance of family and and planning for future generations. Working together, we always bring attention back to your family. We start by getting to know your family structure and dynamics, so everyone has a voice. We conduct a deep discovery on your goals, as well as the objectives for your children, grandchildren and dependents. We help guide you through life events, setting milestones, and letting you know where you stand. You gain the ability to ask questions and focus the direction on where you need to go.

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Female Investors

In a world where women live longer, earn less and take more time off to care for others – we believe it's vitally important for women to take charge of their financial life in a way that addresses their unique needs.

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Endowments and Foundations

Donors invest in your organization because they believe in your mission. Your investment portfolio can reflect that mission too.  It is vitally important to us that we understand the soul of your organization. We are not seeking to place you in a “model” portfolio. We will build a portfolio specific to your organization. Whether you’re focused on prioritizing environmental, social and corporate governance best practices, supporting a specific organization, or avoiding certain industries, we can create a well-diversified portfolio specific to you. We would be happy to show you what a custom portfolio might look like.


Advice is the origin for "Avisen"

Advising families for over 20 years

What Makes Us Different


MeetingExperience 

With decades of combined experience, our investment managers and financial planners evaluate research, economic data,  and market trends;  keep up on the latest tax and estate strategies, and engage with fellow thought leaders in the industry to keep a firm pulse on various factors that may impact your financial world. We keep our eye on the ball so you don't have to.

HandshakeCare

Relationship building and connecting with our clients frequently is at the core of our success as a firm. Getting to know you personally and deeply understand your financial goals fuels our process as we construct your financial future.

Transparency

We make no illusions that the market can be a volatile place and the complexities of comprehensive financial planning can feel overwhelming. It is our responsibility to keep you informed, educated, and provide clarity when you need it.


Office Team

Rachel Aucutt Photo

Rachel Aucutt

Client Service Associate
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Rachel joined Avisen in 2016 as a receptionist and client service associate. Rachel is a people person and primarily assists clients and staff with paperwork, asset transfers, and other administrative responsibilities. She is often the first point of contact for clients and her personalized approach along with excellent communication skills make her one of the most important employees at the firm. Before working for Avisen, she worked for the non-profit, Tree Foundation, and holds a degree in geography and Masters in Library Sciences. Outside of work, she spends as much time as she can with her two children and is a self-taught instrumentalist. 

Dave Baskins Photo

Dave Baskins

Sr. Investment Manager
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Dave has served as an investment advisor for over 40 years. Before his time at Avisen, he was with two large national brokerage firms, Morgan Stanley and Kidder Peabody. 

As an investment manager, he prioritizes providing institutional-level portfolio management at the individual level.

Dave is committed to always putting his client's needs first. Because of this, many of his clients have entrusted him with their investments for over 25 years.  They describe him as trustworthy, caring, and honest. 

Dave is a Registered Investment Advisor, holding both Series 7 and 65 securities licenses.  

Dave graduated from Stanford University with degrees in both Political Science and English Literature.  While at Stanford he was a three-time golf All-American and continues to enjoy the challenges of the game.  In 2011 Dave had the good fortune of playing in the US Senior Open.

Dave is married with four children and four grandchildren.  He enjoys spending much of his free time with family, playing golf, and reading.

Linda Becker Photo

Linda Becker

Vice President, Investments
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Linda began her career in the securities industry in 1983 with Landsing Capital Corporation, a real estate securities company. In 1986 she secured a position with Shearson Lehman Brothers in La Jolla, CA, and developed a passion for the markets. In 1992, she and her husband decided a move to a less populated state, offering more outdoor activities, would be desirable, and have lived in Carson City, NV ever since.

Mrs. Becker earned a B.A. Degree from Arizona State University and currently holds Series 7, 63, and 65 licenses, as well as Life, Health and Long Term Care licenses in California (CA #0A41188) and Nevada.  She believes her greatest strengths in this profession are the desire and ability to build strong long-term relationships. Her specific areas of focus are individual stocks, income planning and asset protection through insurance.

Linda Becker was born in Germany while her father was serving in the military. The family returned to the U.S. a few years later and she has spent most of her life living in the west. Over the years she has developed a great deal of interest in worldwide news, history and travel. She is currently married with one grown daughter. During her leisure time, she and her husband enjoy cooking and entertaining together. She also enjoys reading and staying fit, as a longtime member of Lakeridge Tennis Club.

Ken Brown Photo

Ken Brown

Chief Executive Officer & Sr. Investment Manager
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Ken is CEO, Sr. Investment Manager, and Co-Founder of Avisen Wealth Management and Avisen Advisors. 

With forty-plus years of experience in the financial services industry, Ken’s range of experiences have taken him from newly minted stockbroker at Kidder Peabody in the 1980’s to fixed income coordinator while at Shearson Lehman Brothers, later co-founding a technology hedge fund where he headed up the research effort. Each experience built on the last, giving him a unique, broad-based perspective.

The second half of his career has been spent at Avisen where he quietly but effectively guides an eclectic group of dedicated, experienced, and talented portfolio managers and support staff while also managing select client assets along with partner Michelle Kessel-Harbart. The second part is Ken’s passion as he is a connect-the-dots person and enjoys the back-and-forth flow of ideas.

Several key tenets have carried on throughout his career:

  • A dedication to personalized client service.
  • Independent thinking and intellectual curiosity.
  • A research-intensive process with an abiding, long-term interest in technology, the sciences and the intersection of the environment, technology and biology.  His work day doesn’t end when he leaves the office as he often spends hours at home pouring over research papers or participating in company-specific conference calls.
  • Maintaining a productive, intellectually stimulating, technology-driven work environment.
  • Taking responsibility and accountability.

Ken and his wife, Athena, are travelers in the broadest sense of the word. Together, they climbed through the temples at Angkor Wat and walked the backstreets of Jodhpur while meeting writers, artists, business associates, dignitaries, scholars, and the man or woman on the street.

To quote Athena,” there is no information more credible or even more applicable than that which you absorb through first-hand experience. In order to more fully understand the world we live in, we must walk amongst them with heightened observation.”


Jason Feil Photo

Jason Feil

Investment Professional
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Jason is a Sacramento native and has been at Avisen for 11 years as an Investment Professional.  As an investor, he prioritizes constantly educating himself on current market trends so he can make the most informed decisions about his clients' portfolios. 


He focuses on long-term and sustainable investment strategies to give his clients peace of mind in an ever-shifting financial landscape. Jason and his father, Terry, work as a team at Avisen and primarily serve clients that are near or in their retirement. 


Jason is married with a son. As a family, they love being outdoors and exploring all the beauty California has to offer. 

Terry Feil Photo

Terry Feil

Sr. Vice President Investments
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Mr. Feil is currently the Sr. Vice President-Investments of Avisen and has over 46 years of experience as an investment advisor and senior portfolio manager. After a 25-year career at New York-based firms including Piper Jaffray,  Bateman Eichler, Hill, Richards, and Sutro & Co. he wanted to provide a more personalized approach to investing. It was then that he went the entrepreneurial route and co-founded Avisen Wealth Management. 

In 2010 Mr. Feil was named a Five Star Wealth Manager* and now currently works with his son Jason. With a wealth of experience in the dynamism of the markets, Mr. Feil creates equity portfolios that de-risk their exposure to market shifts as they focus on retirement and look to increase the longevity of their investments. 

As a 5th generation native to Sacramento, Mr. Feil has strong ties to the community and its history. He has served on the board of the Sacramento Zoo and The Crocker Art Museum.

*About the Five Star Wealth Manager Designation

  • Neither the advisor nor the Firm has paid any fees to Five Star Professional before or after receiving the designation.
  • Five Star Professional does not evaluate the investment performance or skill of managers, and the Five Star Wealth Manager designation is not indicative of past or future performance.
  • To receive the Five Star Wealth Manager award, a wealth manager must satisfy 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services to their clients. The eligibility criteria are as follows:

Eligibility Criteria - Required

             1. Credentialed as an investment advisory representative or a registered investment advisor.

              2. Actively employed as a credentialed professional in the financial services industry for a minimum of five years.

             3. Favorable regulatory and complaint history review.

             4. Fulfilled their firm review based on internal firm standards.

              5. Accepting new clients.

Evaluation Criteria - Considered

                1. One-year client retention rate.

                 2. Five-year client retention rate.

                  3. Non-institutional discretionary and/or non-discretionary client assets administered.

                  4. Number of client households served.

                 5. Education and professional designations.

Martin Herman Photo

Martin Herman

Vice President, Investments
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Martin Herman began his 40+ year tenure in the finance industry with Prudential Life. In 1968 he attended the New York Institute of Finance and completed an intense training program before joining EF Hutton, where he worked as a broker and manager. After 17 years, he joined Paine Webber/UBS where he worked as an investment professional for the next 24 years. Mr. Herman joined Avisen Wealth Management in 2009 and currently holds the Series 4, 7 and 63 licenses.      

Always a Bronx New Yorker at heart, Marty’s clients believe in his no-nonsense New York style, and his investment philosophy of blue chip equity investing. Mr. Herman offers clients (and their future generations) consistent and stable growth based on long-term goals and solid analysis.

Mr. Herman studied at Manhattan School of Music and graduated from Hunter College. In 1960 he left the East Coast and moved his family to the San Fernando Valley before eventually settling down in Reno, NV.

Marty and his wife Judy, a former Reno Councilwoman, are active in the Sierra Nevada Porsche Club and members of the “Legends of the West” in Virginia City.

Dusty Hoetger Photo

Dusty Hoetger

Financial Planner
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Dusty spent nearly a decade in the entertainment industry with Sony Music Distribution before beginning her career as a Financial Planner. Her background includes several years of working with Tower Records in the marketing, sales, and distribution of Sony Music artists. 

Dusty holds a bachelor’s degree in psychology from Chico State University, a certificate in Personal Financial Planning from U.C. Davis, and is a graduate of the Financial Planning Association (FPA) Residency program.

She has been a CERTIFIED FINANCIAL PLANNER™ professional since 2009.  She was granted permission to use the CFP® mark of distinction after having met the rigorous education, experience, and ethical requirements of the CFP Board. Dusty is also a Retirement Income Certified Professional (RICP). She has the knowledge to provide expert advice on a broad range of retirement topics including Social Security, income taxation, estate issues, and other risks to retirement income planning. She is also a CTEC Registered Tax Preparer (CRTP). The California Tax Education Council’s (CTEC) requirements for CRTPs focuses solely on tax preparation.

She is an active member of the Financial Planning Association (FPA) and currently serves as Past President of the local chapter.  She is also a Committee member for the annual FPA Norcal Conference in San Francisco.  She has volunteered her time as a tax aide with AARP helping seniors file their tax returns.

Dusty enjoys keeping active by playing Pickleball, enjoying various outdoor activities, and spending time with her friends and family.

Michelle Kessel-Harbart Photo

Michelle Kessel-Harbart

Chief Operating Officer & Wealth Manager
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Michelle has held senior marketing and management positions with companies in the financial services and high-tech industries for over 25 years.  At Avisen Wealth Management, she is a Wealth Management Certified Professional (WMCP®) alongside partner, Ken Brown, working with clients to tailor their wealth management plan with the most appropriate investment management and tax-efficient strategies, thereby aligning their financial plan with long-term financial goals.  

Michelle also serves as the Chief Operating Officer for Avisen Wealth Management, where she is responsible for the company’s operations.

Michelle holds an MBA from CSU Sacramento where she received the Beta Gamma Sigma honorary award for academic excellence in business, a BA in environmental science also from CSU Sacramento, her Professional Fiduciary Management certificate from UC Riverside, and earned her Wealth Management Certified Professional (WMCP®) designation from The American College of Financial Services.  Additionally,  she is an Investment Advisor Representative and holds the Series 7 and 66 licenses.

She is active in her community and serves on boards and committees of various non-profit organizations.  She especially enjoys volunteering in her community with her teenage daughter through a mother-daughter philanthropy organization.

Michelle is a native of Sacramento and enjoys traveling, hiking, cooking, and spending time with her husband, daughter, and their crazy Boston Terrier.

Wayne Robello Photo

Wayne Robello

President & Sr. Investment Manager
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Wayne has over 15 years of experience in the securities industry. Although his collegiate background began in engineering, he quickly gravitated toward business and finance. He developed a passion for understanding how economies work in lock step with the impact on the financial sector. His career began at Kidder Peabody and he eventually flourished as a business owner in the years to come.

In 2001 he co-founded Avisen Advisors, a registered investment advisory firm, and continues to be an active portfolio manager. During his professional career in the securities industry, he has held a variety of management and investment advisor positions. Mr. Robello was responsible for opening the Sacramento branch of Van Kasper & Co. and was the regional office manager of that branch for five years. Wayne has extensive experience managing stock and bond portfolios for individuals and corporations. Mr. Robello has also worked for Merrill Lynch and Kidder Peabody in Sacramento.

As a portfolio manager, he is incredibly hands-on and prioritizes open channels of communication with clients. In his words, "Investing is a dynamic process, it is always changing". Therefore, his attention to the shifting economic landscape is of the utmost importance and is a proponent for using new technologies to quantify risk and inform long-term planning decisions. 

 Comprehensive Wealth Management Solutions

Aligning Your Wealth, Passions, and Purpose

Family

Wealth Management isn’t only the management of your investments. Investment Management is ONE link in a chain of considerations when evaluating your financial goals.  We will talk together about how each component of your financial picture impacts the other. Then advise how to grow, designate, and most importantly protect your wealth.


Our Solutions

You likely have several financial planning pieces in place—you pay taxes, invest at least a portion of your savings, have some insurance, maybe you have done some estate planning and retirement planning, but chances are each of these pieces was developed independently and at different times in your life.

Is it any surprise then that you’re unsure if you’re on the right track and making all the progress you could be? This is where Avisen can help!   

Our Philosophy


Financial Planning

A goal without a plan is just a dream. At Avisen, we start by asking "What are your retirement goals?".  We then figure out how to get you there. We will talk through what is important to you then will assess your current financial situation. Some topics we discuss...


     Living Through Retirement


  • Will I be able to retire when I want?
  • How much money will I need in retirement?
  • Am I saving enough now?

      Legacy Planning


  • Can I pay for my grandchildren's education?
  • How do I best give to charity?
  • Does my estate plan reflect my wishes?

     Taxes and Withdrawal Strategies


  • Identifying optimal tax strategies.
  • How do I claim Social Security?
  • How can I project health expenses be in my retirement?

Start The Conversation



Investment Solutions

Successful active management is not easy; it requires dedication, independent thought and a long-term perspective. These attributes enable us to focus on what will best suit you and your financial goals. Under the guidance of one of our experienced investment managers, you will gain clarity on the important questions that will guide your decisions pre- and post-retirement.


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More Solutions

  Social Security

Choosing when you begin your Social Security benefit may be the most important decision you will make in retirement!  

It will impact the amount of lifetime income you receive, the amount of taxes you pay, and how you spend down your other assets. Most people elect to receive benefits early because they are afraid to spend from their investment assets early on.  However, it is important to understand, that by waiting will require smaller withdrawals later in retirement!  This means that your investment assets most likely will last longer due to the higher benefit amount provided over your lifetime.  Also, by waiting to claim later, will provide the surviving spouse a higher benefit amount for their remaining lifetime. We help you determine your optimal claiming strategies for your specific situation.

  Tax Strategy

“In America, there are two tax systems: one for the informed and one for the uninformed. Both are legal.” – Judge Learned Hand

The fact is that there can be ways to control taxes and to plan in advance to create tax-smart withdrawal strategies.  Determining where you hold assets, and which accounts you draw from, can make a difference in the tax efficiency of your retirement income. We analyze your tax return on an annual basis to look for ways to maximize your income to keep more in your pocket. -  What strategies can I use to save on taxes? - How and when do I draw from my accounts to minimize taxes? - Are my investment types located in the correct account type? - Should I do Roth conversions before RMD’s begin?- Are there ways to fund any charitable giving while reducing taxes?          

 Estate and Legacy Planning

 Estate planning is a process to help you manage and preserve your assets while you are

 alive, and to conserve and control their distribution after your death according to your goals and objectives 

  •   How do I know I have the right estate plan documents in place? 
  •    How do I plan for the people and causes that are important to me?  
  •    If I became incapacitated could someone take care of my financial responsibilities
  •    What will my survivors need to know?
  •    Are my health care wishes properly documented


FAQs

Our Partners + Account Protection


Depositing Funds Into Your Account

Can I mobile deposit a check into my account?

Yes!  You can mobile deposit a check directly into your account through the NetxInvestor app on your smartphone.  Electronic deposits submitted before 3:00pm (EST) on a business day will be processed same day. Deposits submitted after 3:00 pm (EST) or on a non-business day will be processed the following business day.  The NetxInvestor app can be downloaded from the App store for your smartphone at no cost.  If you have questions, please contact your Investment Professional.

Who do I make checks payable to when depositing money into my account?

Checks must be made payable to “Pershing” or to the account title on your account.

Online Account Access

What is the Financial Organization Number?

70V

How do I sign up for online account access?

 Go to www.NetxInvestor.com, click “Register Now” and follow the instructions.  If you have questions or need assistance, please contact your Investment Professional.

I’ve entered my User ID and/or Password incorrectly three times and now I am locked out; what do I do?

From the NetxInvestor log in screen, click “Forgot User ID” or “Forgot Password” and follow the instructions to unlock or reset your User ID or Password.  If you need additional assistance, please contact your Investment Professional.

I forgot my User ID and/or Password; what do I do?

From the NetxInvestor log in screen, click “Forgot User ID” or “Forgot Password” and follow the instructions to unlock or reset your User ID or Password.  If you need additional assistance, please contact your Investment Professional.

Contact Us Today

Discover financial freedom

Get In Touch

Schedule your first conversation with us so you can start living the life you deserve!  Click HERE to make an appointment online or complete the form below.



Client Login



Account Access

Log In

Pershing’s NetXInvestor enables you to view comprehensive account details such as account balances, holdings, history, projected cash flow, monthly statements, trade confirmations, and tax documents.  

Once online you can enroll for paperless statements and trade confirmations by clicking the “Go Paperless” link.  

Additionally, you can download the mobile app to view your accounts as well as electronically deposit checks into your account ($25k limit).

Financial/Retirement Plan

Log In

Access your completed Financial/Retirement Plan and view your updated plan results every time you log on.  Through this portal, you can electronically link outside accounts, such as a 401(k) to your plan, which enables your financial plan to update in “real time.”  

We provide interactive tools such as the “Play Zone” and “What Are You Afraid Of”? which allow you to experiment with factors you can and can’t control.  

Additionally, you will have access to the details of your plan such as an annual cash flow report, Social Security analysis, and net worth statement.

Access to this portal is for those who have engaged our services to create their Financial/Retirement Plan. 

Portfolio Performance & Secure Document Vault

Log In

Access your secure document vault and portfolio performance information whenever you like.  Easily share documents you upload into your document vault with your advisor securely, and documents we add to your vault are stored safely and securely giving you peace of mind.  

If you have worked with us to create your Financial/Retirement Plan, you will be able to view your updated plan results every time you log on.

You will also be able to link directly to our other online portals including your Pershing NetxInvestor account and your Financial/Retirement Plan.