Herbert N. Messick is a Certified Financial Planner with over 40 years of experience in the field. His practice consists primarily of fee-based asset management for individuals and corporations.
Herb has maintained offices in Whittier, California since 1979. Herb is a Registered Securities Principal, Branch Manager and Regional Director with Cetera Advisor Networks LCC, a member of the Cetera Financial Group. He is also a licensed general insurance and variable annuity agent.
Herb is an active member of his professional community. He served on the national board of the prestigious National Endowment for Financial Education. He is a member of several professional organizations including the Financial Planning Association (FPA) and the Society of Financial Service Professionals. He is also a member of the prestigious National Association of Estate Planners and Councils (NAEPC). The NAEPC is a national organization of professional estate planners and affiliated estate planning councils focused on establishing and monitoring the highest professional and education standards.
A graduate of the University of Delaware with a Bachelor of Arts degree in Economics, Herb has also earned Master of Science degree in Financial Services (MSFS). He conducted classes for financial advisors on Risk Management for the College of Financial Planning at the University of Southern California.
Committed to life long education through continuing his professional education Herb has earned the following designations:
Certified Financial Planner™ (CFP®)
Chartered Life Underwriter® (CLU®)
Chartered Financial Consultant® (ChFC®)
Accredited Asset Management Specialist® (AAMS®)
Chartered Mutual Fund Counselor® (CMFC®)
Certified Retirement Planning Counselor® (CRPC®)
Accredited Estate Planner® (AEP)
Accredited Investment Fiduciary® (AIF®)
In his role as portfolio manager, Herb has developed proprietary algorithms utilizing sophisticated strategic management techniques based on Nobel Prize winning Modern Portfolio Theory. Managing comprehensive and continuous investment decisions, he further refines his investment strategies through a systematic process of selecting and monitoring portfolio managers using a structured series of statistical measures including Monte Carlo simulation and factor analysis.
He is a recognized industry leader in the interactive use of the computer and financial planning. Herb served as FNICs National Project Management Team Leader for the implementation of computerized technology. Our clients expect and receive the most sophisticated financial analysis and management technology available.
As a wealth manager, Herb has particular expertise in the areas of wealth transfer and estate planning, tax planning, retirement planning and the analysis of corporate benefit plans for professionals. Herb prides himself on his ability to provide clear, comprehensive and easily understood explanations of the financial strategies and services he recommends.
He is a sought after expert on financial, tax and retirement planning issues and regularly conducts seminars on these topics for professional associations and major corporations. Among the corporations for whom Herb has designed and conducted financial educational seminars are: GTE/Verizon, Philip Morris/Miller Brewing Company, Ameron, Northrup/Grumman, Lockheed, RTD, Boeing/McDonnell Douglas, Loral Corporation, Rockwell, University of Southern California, AT&T and Disney.