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An investmentfonds wikipedia free fund also index tracker is a mutual fund or exchange-traded fund ETF designed to follow certain preset rules so that the fund can track a specified basket johann pfeiffer iforex underlying investments. Index funds may also have rules that screen for social and sustainable criteria. An index fund's rules of construction clearly identify the type of companies suitable for the fund. Additional index funds within these geographic markets may include indexes of companies that include rules based on company characteristics or factors, such as companies that are small, mid-sized, large, small value, large value, small growth, large growth, the level of gross profitability or investment capital, real estate, or indexes based on commodities and fixed-income. Companies are purchased and held within the index fund when they meet the specific index rules or parameters and are sold when they move outside of those rules or parameters. Think of an index fund as an investment utilizing rules-based investing.

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Widlak '70 Mrs. Norah M. John H. Williams Ralph C. Wilson, Jr. Bryan Wright Mr. Kevin Wysocki Ms. Han Zhang. Christopher J. Adamo '95 Mrs. Bruce Strong Mr. Dike Ajiri '89 Mr. William H. Albrecht '76 Dr. Lydia C. Alexander '87 Ms. Ashley E. Alles Ms. Margot E.

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Derek Blue Mr. Bogle '54 DUS Mr. Jeffrey A. Bond Ms. Terry P. Herbert V. Book, Jr. Dante' Borum Ms. Borushko '04 Dr. Nicholas J. Bournias Mr. Boyle Mr. Edmund M. Brady, Jr. Robert W. Brandon Mr. Kevin P. Broderick Mrs. Timothy Narva Mr. Quincy Brooks Mrs. Linda M. Brown Ms. Lindsay Kirlin Brownell '06 Mr. Paul B. Brucker, Sr. Scott Brunner Ms. Norman Schwartz Ms. Susan B. Richard Budinger Mr.

Christopher T. Buescher Mrs. Armistead Burwell, Jr. George E. Bushnell III '70 Mr. Robyn Thomas Mr. Justin Butler Mr. Walter K. Ava Y. Butzu Lynne Garred Cameron '77 Mr. Libby C. Candler '75 Mrs. Katherine M. Carbo '96 Ms. Tara Cardella Mr. Vincent Cardella Mr. Joel Carpenter Mr. Patrick C. Carron Mr. Justin D. Carunchia Dr. Pietro Cavataio Mr. Stephen B. Cenko '98 Mr. Andrea C. Joshua Huebner Sara Champion, Esq. Jennifer Li Ms. Victoria B. Chochla '13 Mrs.

Chouinard Mr. Cimini Mr. Joseph Cipriano, Jr. Douglas Clark Ms. Zina Clinton Mrs. Martha K. Coates '70 LIG Mr. Joseph T. Cobb Dr. Eudoro Coello Mr. Jonathan M. Colman '01 Mr. Ervin Colston Mrs. Renata S. Conger '06 Ms. Melissa Connell Mrs. Sheila Connolly Mr. Robert B. Conway Mr. Joseph M. Conway '07 Ms. Camellalynette Corbin Mr. Ronald L. Cornell, Jr. Michael-James C. Costanzo Mr. Justin Counts Mr. Jason Courtright Mr. John Coury Mrs. Martha M. Paul R. Coyro Mrs.

Alana Crispell Mrs. William G. Jayne N. Alexander S. Dale '94 Mr. John E. Danaher '70 Mr. Dance, Jr. Elizabeth M. Dann Ms. Gillian Darlow '85 and Mr. Lowell W. Joel S. DeFauw Mr. Brian M. Degnore Ms. Ruby Degraffenreid Ms. Nedra Degraffenreid Mr. Jon H. Deimel Ms. Laura E. Deimel Mr. Jayson C. Demchak Mr. Michael A. Demsey Ms. Megan E. Vincent W. Dennis III Mr. Drew B. Dettlinger '11 Dr.

Vicki M. Diaz Mr. Jerry Dickey Craig B. Dickson Mr. Patrick Dodd Mr. John A. Jane Ann O. Dow '14 Mr. Jovan Dragovic Mr. Drysdale '71 Ms. Nina Dubose Mr. Dumas Ms. Margaret Anne Durant '96 Mr. Craig F. Durno '84 Mr. David P. Dwaihy Ms. Royetta Ealba Ms. Claudia Kuhnlein Eaton '75 Mr. Gottfried Eberhardt Ms. Raleigh D. Dettlinger '08 Mr. Mark F. Elmer Mr. Edward S. David Evola Mr. Jack Fallon Ms. Ellen J. Farber '11 Mr. Michael J. Kay Felt Mrs. Donald Fetterman Dr.

Natalia Filipof Ms. Anne C. Finnegan '75 Mr. FitzSimons Ms. Deborah D. Fleischmann '77 Mr. William P. Robert C. Flournoy Mr. Russell Floyd Mr. Gregory Ryan Flynn Mrs. John B. Foster '48 DUS Mr. Anthony A. Foust Mr. Pierson W. Fowler '09 Mr. Fowler Ms. Patricia M. Frank '63 LIG Mrs. Hadley M. Marianna Fuga Ms. Jaime B. Fugitt Mr. Charles Galea Mr. Gregory T. Gallagher Mr. Wallace J.

Gamber, Jr. Tracy E. Adam Gapczynski Mrs. Robert Garvey Mr. Robert S. Gatzke Dr. Thomas R. Gebeck, Jr. George III Mrs. Heidi L. George Mr. Adamont N. Charles Getz '73 Mr. Carl G. Ghafari '11 Dr. Burjor D. Ghandhi Mr. Bruce M. Judi E. Gladstone '75 Ms.

Glander '73 Mr. John L. Arlene Golden Ms. Neal N. Sylvia Grant Ms. Anne Gravel '81 Mr. Bryce Gray Mrs. Marion V. Derek Greene Mr. Malcolm Greene Ms. Laura Grocki-Zelenak Mr. Catherine Guinan Mrs. Mary Gushee Ms. David A.

George A. Linda Hall Mr. Michael Hamilton Mrs. Gail P. Harley Mr. David Harmon Mr. Judith Bing Mrs. Lauren J. Harris '02 and Mr. Mathew Harris Mrs. Edith A. Scott M. Harris '79 Dr. Alvin Ko Mrs. Hartigan II Ms. Hastie Mr. Ned Hayes Jr. Kyle Languardt Mr. Hemler Mr. Christopher Henness Mrs. Shawn S. Henry Ms. Andrea Henson Mr. Murley Henson Dr. Jan F. Herbst Mr. Eric Hermann Mrs. Kirsten M. Hibbs Mrs. Judy D. Peter S. Norton Ms. Hannah E. Hodges '14 Ms. Stefanie Hodgson Mr.

Hollerbach Mrs. Elizabeth A. Holt Mr. Bradley R. Homuth Mr. Stephen D. Houk Elizabeth '95 and Andrew Housey Ms. Derrick McCullough Mr. Edgar C. Gail L. Wesley Howe Mrs. Lorna C. Joseph L. Hudson, Jr. Christopher Hudson Mr. Huebner '97 Mr. Hummel Mr. Keavon Hunter Mr. John Huntington Ms. Mercede Hurt-Dorty Mr. Thomas N. Hy Mrs. Sally W. William F. Isbey, Jr. Fran Ivanaj Mr. Aaron Jacob Mr.

Renato Jamett Mrs. Virginia A. Bernard S. Janicki, Jr. Gail Perry Janutol '73 Dr. Arunima Verma '97 Mrs. Jasmine Jeffers Mr. Jenkins Mr. Joseph N. Jennings, Jr. Eddie Jerks Mr. Robert H. Jewett '87 Ms. Sharon D. Jones Chris and Kristie Jones Mr. Greg P. Jones '07 Ms. Joyce D. Josaitis Mr. Vinod Joshi Ms.

Marguerite F. Anthony Kafcas and Mrs. Anne Kafcas Mr. Kalyvas Mr. Kevin R. Karolak Mr. Justin Karr Ms. Karen R. Katanick Mr. Lise Van Susteren Ms. Helen Kendall Mrs. Kristin Wright Kerwin '96 Dr. Fadi Keyorkgy Mr. Eldridge J. King Mrs. Mark King Ms. Douglas Lindsay Mrs. Cheryl A. Kirouac '76 Mrs. Marlene H. Kler Mrs. Andrew Knote Mr. Kopicki Mr. Keith Kozierowski Mrs. Wendy C. William B. Krag Mr. William Brace Krag, Jr. Krebs Mr. Kate DeSmet Kulka Mrs. Kathleen L. Kurap Mr. Steven Kurmas Dr. Kami Kveton Mrs.

Susan Hudson Laffrey '83 Mr. James Lafranca Mr. LaHood '95 Ms. Simone M. LaHood '08 Mr. Memorandum from the Division of Investment Management regarding an April 8, , meeting with representatives of the Investment Company Institute. Elizabeth H. Keith F. Michael P. Zimmer, President, Fluent Technologies. Kathleen K. Robert G. John Beshears, James J.

Choi, David Laibson, and Brigitte C. Charles Sikorovsky, Northbrook, Illinois. Darrell N. Poole, Attorney, T. Bruce R. Joseph A. Karen R. Kay, Managing Director, Putnam Investments. David J. Brian L. Richard M. Steven M. Jonathan M. Peter R. Eric D. Newhall, Counsel, Capital Research and Management. Dale E. Mark N.

Kurt N. Stephen E. Roth, W. Greg J. Michael H. William A. Thomas O. Ira P. Allan S. Mark S. Gerald F. Ward C. Bourn, Williamsburg, Virginia. Laura P. Debra M. Brian C. Mary S. Gallagher, Omaha, Nebraska. Michael J. Schnase, Individual Investor and Attorney at Law.

Donald A. Alison W. Philip I. Kirstein and John G. Lewis, Jr. David G. Hanighen, None, Chino Hills, California. Jeffery E. Paynowski, Medina, Ohio. Carl B. Leslie Bejune, Ft.

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Main article: Languages of Estonia. Main article: Education in Estonia. Main articles: Culture of Estonia and List of Estonians. Main article: Music of Estonia. Main article: Literature of Estonia. See also: Estophile. See also: List of Estonian films and List of Estonian war films. Main article: Architecture of Estonia.

Main article: Public holidays in Estonia. Main article: Estonian cuisine. See also: Kama food , Kalev confectioner , Kohuke , and Verivorst. Main article: Sport in Estonia. Estonia portal. Riigi Teataja. Archived from the original PDF on 13 May Retrieved 12 May Statistics Estonia. Retrieved 9 January Retrieved 19 July Retrieved 11 October Retrieved 26 January International Monetary Fund. Retrieved 10 September United Nations Development Programme.

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In Estonia, religion has never played an important role on the political or ideological battlefield. The institutional religious life was dominated by foreigners until the early 20th century. The tendencies that prevailed in the late s for closer relations between the state and Lutheran church [ It is usually said that Estonia is a Protestant country; however, the overwhelming majority of Estonians, some 72 percent, are nonreligious.

Estonia is the European Union EU country with the greatest percentage of people with no religious belief. This is in part, the result of Soviet actions and repression of religion. When the Soviet Union annexed Estonia in , church property was confiscated, many theologians were deported to Siberia, most of the leadership of Evangelical Lutheran Church went into exile, and religious instruction was banned.

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Flag Coat of arms. Estonian [1]. Unitary parliamentary republic. Hong Kong [a]. Backhurst Mrs. David S. West Mr. David L. Balas '70 Mr. Philip Balas '70 Mrs. Kathryn R. Baldwin '74 Mr. Albert Baltimore Mr. Joseph Banaszewski Mr. John S. Bandos Mr. Bruce T. Raymond Barnowske Ms. Peter Delacorte Mr. Andrew H. Peter Barrett Ms. David Barthel Mrs. John P. Bassler Mr. Jeffry M. Bauer '73 Dr. Baughman Ms. Chelsea E.

Baumgarten '07 Ms. William Dailey Mr. Larry O. Becker Mrs. Janeen K. Beebe '72 Ms. Karen Walker Beecher '83 Mr. James Belcrest Mrs. Walter Bernard Mr. Tyrone Bickerdt Ms. Alesia G. Eleanore L. Birgbauer '17 Miss Katharine B. Birgbauer Carrie Birgbauer '93 Mrs. Derek Blue Mr. Bogle '54 DUS Mr. Jeffrey A. Bond Ms. Terry P. Herbert V. Book, Jr. Dante' Borum Ms. Borushko '04 Dr. Nicholas J. Bournias Mr. Boyle Mr. Edmund M. Brady, Jr. Robert W. Brandon Mr. Kevin P.

Broderick Mrs. Timothy Narva Mr. Quincy Brooks Mrs. Linda M. Brown Ms. Lindsay Kirlin Brownell '06 Mr. Paul B. Brucker, Sr. Scott Brunner Ms. Norman Schwartz Ms. Susan B. Richard Budinger Mr. Christopher T. Buescher Mrs. Armistead Burwell, Jr. George E. Bushnell III '70 Mr. Robyn Thomas Mr. Justin Butler Mr. Walter K. Ava Y. Butzu Lynne Garred Cameron '77 Mr. Libby C. Candler '75 Mrs. Katherine M. Carbo '96 Ms. Tara Cardella Mr.

Vincent Cardella Mr. Joel Carpenter Mr. Patrick C. Carron Mr. Justin D. Carunchia Dr. Pietro Cavataio Mr. Stephen B. Cenko '98 Mr. Andrea C. Joshua Huebner Sara Champion, Esq. Jennifer Li Ms. Victoria B. Chochla '13 Mrs. Chouinard Mr. Cimini Mr. Joseph Cipriano, Jr. Douglas Clark Ms. Zina Clinton Mrs. Martha K. Coates '70 LIG Mr. Joseph T. Cobb Dr. Eudoro Coello Mr. Jonathan M. Colman '01 Mr. Ervin Colston Mrs. Renata S. Conger '06 Ms. Melissa Connell Mrs.

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Jon H. Deimel Ms. Laura E. Deimel Mr. Jayson C. Demchak Mr. Michael A. Demsey Ms. Megan E. Vincent W. Dennis III Mr. Drew B. Dettlinger '11 Dr. Vicki M. Diaz Mr. Jerry Dickey Craig B. Dickson Mr. Patrick Dodd Mr. John A. Jane Ann O. Dow '14 Mr. Jovan Dragovic Mr. Drysdale '71 Ms. Nina Dubose Mr.

Dumas Ms. Margaret Anne Durant '96 Mr. Craig F. Durno '84 Mr. David P. Dwaihy Ms. Royetta Ealba Ms. Claudia Kuhnlein Eaton '75 Mr. Gottfried Eberhardt Ms. Raleigh D. Dettlinger '08 Mr. Mark F. Elmer Mr. Edward S. David Evola Mr. Jack Fallon Ms. Ellen J. Farber '11 Mr. Michael J. Kay Felt Mrs. Donald Fetterman Dr. Natalia Filipof Ms. Anne C. Finnegan '75 Mr. FitzSimons Ms. Deborah D. Fleischmann '77 Mr.

William P. Robert C. Flournoy Mr. Russell Floyd Mr. Gregory Ryan Flynn Mrs. John B. Foster '48 DUS Mr. Anthony A. Foust Mr. Pierson W. Fowler '09 Mr. Fowler Ms. Patricia M. Frank '63 LIG Mrs. Hadley M. Marianna Fuga Ms. Jaime B. Fugitt Mr. Charles Galea Mr. Gregory T. Gallagher Mr. Wallace J. Gamber, Jr. Tracy E. Adam Gapczynski Mrs. Robert Garvey Mr. Robert S. Gatzke Dr. Thomas R. Gebeck, Jr. George III Mrs. Heidi L. George Mr.

Adamont N. Charles Getz '73 Mr. Carl G. Ghafari '11 Dr. Burjor D. Ghandhi Mr. Bruce M. Judi E. Gladstone '75 Ms. Glander '73 Mr. John L. Arlene Golden Ms. Neal N. Sylvia Grant Ms. Anne Gravel '81 Mr. Bryce Gray Mrs. Marion V. Derek Greene Mr. Malcolm Greene Ms. Laura Grocki-Zelenak Mr. Catherine Guinan Mrs. Mary Gushee Ms. David A. George A. Linda Hall Mr. Michael Hamilton Mrs. Gail P. Harley Mr. David Harmon Mr. Judith Bing Mrs.

Lauren J. Harris '02 and Mr. Mathew Harris Mrs. Edith A. Scott M. Harris '79 Dr. Alvin Ko Mrs. Hartigan II Ms. Hastie Mr. Ned Hayes Jr. Kyle Languardt Mr. Hemler Mr. Christopher Henness Mrs. Shawn S. Henry Ms. Andrea Henson Mr. Murley Henson Dr. Jan F. Herbst Mr. Eric Hermann Mrs. Kirsten M.

Hibbs Mrs. Judy D. Peter S. Norton Ms. Hannah E. Hodges '14 Ms. Stefanie Hodgson Mr. Hollerbach Mrs. Elizabeth A. Holt Mr. Bradley R. Homuth Mr. Stephen D. Houk Elizabeth '95 and Andrew Housey Ms. Derrick McCullough Mr. Edgar C. Gail L. Wesley Howe Mrs. Lorna C. Joseph L. Hudson, Jr. Christopher Hudson Mr. Huebner '97 Mr. Hummel Mr. Keavon Hunter Mr. John Huntington Ms. Mercede Hurt-Dorty Mr.

Thomas N. Hy Mrs. Sally W. William F. Isbey, Jr. Fran Ivanaj Mr. Aaron Jacob Mr. Renato Jamett Mrs. Virginia A. Bernard S. Janicki, Jr. Gail Perry Janutol '73 Dr. Arunima Verma '97 Mrs. Jasmine Jeffers Mr. Jenkins Mr. Joseph N. Jennings, Jr. Eddie Jerks Mr. Robert H. Jewett '87 Ms. Sharon D. Jones Chris and Kristie Jones Mr.

Greg P. Jones '07 Ms. Joyce D. Josaitis Mr. Vinod Joshi Ms. Marguerite F. Anthony Kafcas and Mrs. Anne Kafcas Mr. Kalyvas Mr. Kevin R. Karolak Mr. Justin Karr Ms. Karen R. Katanick Mr. Lise Van Susteren Ms. Helen Kendall Mrs. Kristin Wright Kerwin '96 Dr. Fadi Keyorkgy Mr. Eldridge J. King Mrs. Mark King Ms. Douglas Lindsay Mrs. Cheryl A. Kirouac '76 Mrs. Marlene H. Kler Mrs. Andrew Knote Mr. Kopicki Mr. Keith Kozierowski Mrs.

Wendy C. William B. Krag Mr. William Brace Krag, Jr. Krebs Mr. Kate DeSmet Kulka Mrs. Kathleen L. Kurap Mr. Steven Kurmas Dr. Kami Kveton Mrs. Susan Hudson Laffrey '83 Mr. James Lafranca Mr. LaHood '95 Ms. Simone M. LaHood '08 Mr. Gregory A. LaHood '11 Dr. John Bugg Mr. Robert P. Lambrecht Mr.

Lambrecht '84 Ms. James Laparl Mr. Giovanni Larrea Drs. Eric B. Alexa M. Layson Mr. Tuan T. Le Mr. Jaejoon A. Lee Dr. Lees Mr. Legghio Dr. James P. Leleszi Mrs. Steven A. Lesha Mr. Andrzej Leszczynski Mr. Gary N. Sharon L. Litsky '63 LIG Mr. Erich Lochner Mr. Logan Mr. Renee Dwaihy-Logan Ms.

Herbert W. Loner, Jr. Lorant Mr. Kurt I. Love '83 Dr. Robert E. Katrina H. Lowe '79 Francy Lucido Mirkazemi Mr. Peter K. Lutken III Mrs. Carolyn Lutz Mr. Mackey '80 Mr. Anne Vanker Ms. Lesley M. MacLeod '88 Mrs. Gregory Magreta Mr. Marc Mainville Mr. Bruce A. Mair Mrs. Samuel Makun Mr. Raphael A. Malkoun Mr. Patricia Inge Mr.

Brian S. Martin Mr. William M. Marx '12 David and Diane Maurer Mr. Joseph Maycock, Jr. Gay A. Mayer Ms. Roxanne D. Mayville '72 Mrs. Maureen C. McCabe Ms. Michelle E. McCabe '89 Dr. Kathleen A. Anne M. McCauley Mr. Russel McCauley Mr. Mark McCourt Ms. Yvonne McCrary Mrs. Suzanne B. Jeff McDonald Ms. McFarlane Dr. William J. McFeely, Jr. James McGovern '96 Ms. Abigail McIntyre '91 Mr. Robert V. McJennett, D. Joseph McKay Mr. Zachary McKee Mr. Patrick G. Lauren E.

McKenzie '18 Ens. Stewart E. Barbara B. McLeod '80 Mr. Derek D. McLeod Mr. Kevin W. McMahon Mr. Daniel McMann, Jr. Florence D. McMillan Ms. Linda S. Michael W. Medvinsky Mr. Anne Riha Ms. Mary Ann Melican Mr. Jordan R. Melick '83 Dr. Stephen J. Meraw Mrs. Heidi A. Mercer Mr. James R. Meredith Mr. George D. Harrop Miller, Jr. Katherine Riddle Miller '96 Ms.

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Fill out the form below to follow Elizabeth Kross. You are now following Elizabeth Kross. You are already following Elizabeth Kross. Founded in by loan workout and property turnaround specialists, CrossHarbor is a long-standing, privately-owned investment and asset management firm focused exclusively on commercial real estate located within the United States. Successful commercial real estate investing depends on thorough analysis, not whimsical prediction.

CrossHarbor believes good fortune in investing is the product of good thinking. For nearly three decades, CrossHarbor has been a national leader in the commercial real estate private equity industry. The firm combines a vast origination platform, a disciplined investment strategy, and highly experienced professionals to generate risk-adjusted investment returns that rank CrossHarbor among the top performers within its field.

CrossHarbor determines its capital structure for a particular transaction on the merits of investment basis, capital preservation, and risk-adjusted return. CrossHarbor invests substantial equity capital in collaboration with experienced third-party JV sponsors as well as on a direct basis without outside operators. Working on a tri-party basis alongside experienced owners and their senior lenders, the firm provides mezzanine loan and preferred equity solutions that prudently leverage a property beyond the customary thresholds of commercial banks and life insurance companies.

CrossHarbor is an active lender to astute owners of core, core-plus, and transitional properties located in primary and secondary U. CrossHarbor invests in single property transactions, multiple property portfolios, and real estate-related operating companies. The firm acquires and operates properties for its own account and actively invests in transactions with joint venture operating partners and third party borrowers.

For more than 27 years, CrossHarbor has cultivated these relationships with the highest standard of fiduciary care, transparent communication, and outstanding investment performance. An investment thesis rooted in property-level operational enhancements as well as pricing advantages that arise from distressed, complex, and dislocated Compelling quarterly cash distributions to investors from an open-end fund comprised of a short duration loan portfolio with prudent credit metrics and A lower volatility strategy focused on investing in a series of customized portfolios of multifamily development properties that provide attractive current A tailored collection of discretionary and non-discretionary investment strategies designed to meet the specific objectives of institutional investors who wish An investment thesis rooted in property-level operational enhancements as well as pricing advantages that arise from distressed, complex, and dislocated scenarios.

CrossHarbor targets underperforming properties that may generate improved cash flow from the implementation of a clearly defined and well-executed operating strategy. In addition, the firm seeks out temporarily illiquid situations and related pricing advantages that arise from distressed, complex, and dislocated circumstances. The firm rejects transactions whereby the sole contributor to yield enhancement is the utilization of leverage.

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In a financial environment prone to trends, quick-fixes, and short term thinking, Troy prides himself on consistency and tradition, adhering to principles derived from his extensive experience and above all else an enduring commitment to his clients. Hutton and at Merrill Lynch. He began his career at Professional Compensation Group, a consulting firm, where he spent five years working primarily with business owners to establish and administer retirement plans.

It was these formative years at PCG that instilled in Troy the strong conviction that the advisor's first and foremost responsibility is to long-term security of the client, rather than to short-term profit. It is a belief that remains at the foundation of Troy's approach. Troy was born and raised in Hillsdale, a small town in Southern Michigan. His father Barney, a career auctioneer and farm owner-operator, continues to be active in these fields at the age of ninety-two.

Troy attended Michigan State University, graduating with a degree in Business and a minor in Economics in He holds numerous investment-related designations and licenses from the financial service industry and firm awards. He has repeatedly earned the elite advisor rankings of President's and Chairman's Club during his twenty-three tenure at UBS.

The father of two, one of whom-Brent-he is now proud to call a colleague, Troy has been married to his wife Gail for thirty-three years. They reside in Bloomfield Hills. An avid runner, fly fisher, and golfer, Troy has been involved in a variety of activities in the community, including service clubs, church initiatives, and philanthropic organizations. John J. A Customized Approach A financial professional for over 25 years, John enjoys his relationships with clients over any other part of the business.

He works closely with each individual to come up with a financial plan that fits their needs and life goals while minimizing their risk. As challenges arise, John helps his clients adapt to new circumstances as smoothly as possible. He has always felt that putting the client first is the best way to be successful. John works primarily with high net worth individuals, families, and corporate executives with multigenerational wealth planning and portfolio and risk management needs.

His years of experience in handling financial concerns allow him to think outside the box to create individualized solutions. During his high school years, John ran a brood cow operation that paid for his college career. After college, he worked on a cash crop farm in a position with few advancement opportunities. John spent 10 years there working with Jerry Parks and patenting his client approach.

A Family Focused Advisor There is nothing more important than family to John, and that influences the way he does business. He understands the nuances of every sized family and is willing to go out of his way to make sure that his clients are happy. He has a wife and two adult children. Watching them grow up to be excited about life and the opportunities it holds has been one of the most rewarding experiences so far for John and his wife, Deb.

They have lived in Brighton, MI since John and Deb live in a brick Italianate house that was built in , which they have completely remodeled. Gerald M. Jerry has been in financial services since He has also been a small business owner and has had to make financial decisions amidst the chaos of family issues and four successive corporate mergers. Jerry can identify with clients in regards to the unique problems they face. His patience and expertise help him serve successful business owners, corporate executives and other clients with dynamic and complicated financial situations.

Jerry works primarily with high net worth individuals, families and corporate executives with multigenerational wealth planning and portfolio and risk management needs. His years of experience in handling financial concerns allow him to think outside the box to find solutions. Jerry has his Series 7, Series 63, and Series 65 licenses as well as his Life and Health Insurance certification in multiple states. He also did graduate work at Wayne State University. Jerry, Heather and John joined UBS in May where they have continued managing client relationships and solving financial concerns.

Jerry is a lifelong Detroit area resident. His wife, Julie, is a dentist, and they have three active children, Brett, Jake and Abby. They spend the majority of their free time working with the kids and their activities. Jerry and Julie have a large extended family, which also helps keep their lives busy.

Mary M. Crummey has worked in the financial service industry for more than thirty years, the last twenty-seven of which she has spent at UBS. She is currently Vice President of Wealth Management, in which role she dedicates her expertise to the development of wealth strategies for high net worth individuals, corporations and institutions.

Mary utilizes an adaptive, consultative approach, combining deep commitment to understanding her clients' goals with the insight and technical know-how it takes to achieve them. Mary also plays key roles in manager selection within the Birmingham Investment Group.

She embarked upon her career in financial services in at E. She completed her degree from the University of West Florida in Management. Mary remains an active member of the financial services community in the Investment Management Conference and Governmental Committees. The sixth of seven children, Mary has been married for twenty-seven years to her husband Alan, with whom she has two daughters.

She enjoys playing golf, running, coaching Softball, and supporting her children in their academic and athletic pursuits. She is an active member of her church, where she has been involved in the religious education program. She brings to the Birmingham Investment Group of UBS invaluable experience, compassion, a rigorous attention to detail, and above all, deep loyalty to her clients and the community.

Zachary D. Zach enjoys working in an environment that presents a new set of challenges every day, whether it is client specific or market related. He believes that successfully navigating the difficult and ever-changing environment of the financial markets to help clients meet their goals is incredibly rewarding.

Zach works primarily with high net worth individuals, families, and corporate executives. He assists with multigenerational wealth planning and portfolio and risk management needs through proper planning and asset allocation. His strong skills in managing client portfolios, introducing risk management strategies, and conveying asset allocation and investment changes to clients make him a strong component of the team.

He entered the financial industry in upon his graduation from college, then joined UBS in as a result of the merger with McDonald investments. Harbour Investments is both an independent broker dealer and registered investment advisor that has been in the business for over 25 years. Our mission is to ensure that your financial advisor is making the best decisions for you.

We enforce the rules and regulations of the industry. We ensure exceptional and expedient service by providing a wide breadth and depth of products to our financial advisors. Harbour Investments provides the ideal relationship for a truly independent financial advisor. Our advisors choose which product best suits you for your financial objectives.

Each advisor has access to an extraordinary amount of information and technology so you can feel confident that your consultant will have the ability to meet your goals. Our ideals are simple; treat people fairly, honestly and with respect. Home Prospective Advisor Why Harbour?

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Griffin Mergers and Acquisitions Office. Commission on Financial and Securities. International Offshore Financial Markets Regulators. International Securities Tax Commission. Diversified Global Capital Group. Hampshire Capital Ventures Ltd. Charles Fleming Co Ltd. Futures Trading Standards Commission. Mayer and Wegner Acquisitions. Cadell Acton Group International.

Financial Officer at Elizabeth H. Kross Dba Harbor Investment Group · Manchester-by-the-Sea, Massachusetts. g**********@bestbinaryoptionsbroker654.com show. This part of Form ADV gives information about the investment adviser o Elizabeth H. Kross dba The Kross Group (formerly Harbor Investment. Elizabeth Kross works at Harbor Investment Group as Owner. Who are some of her associates?Elizabeth Kross is associated with elizabeth h kross. Where has.