After almost 19 years as a licensed financial advisor, Todd says, “There is nothing I would rather do for a living.” Todd loves his job because he gets to work with great people, and he finds deep satisfaction from helping them navigate the many challenges in their financial lives.
Todd primarily works with his clients to help them best achieve their vision of retirement. This will frequently involve helping them with managing investment risk, understanding complex tax laws and various income strategies, and, ultimately, preparing for the transfer of assets to the next generation.
Todd lives in Marblehead, Massachusetts, with his wife, Rebecca; daughter, Kate (15); and son, Will (13). When he’s not in the office, Todd can usually be found spending time with his family or training their new puppy. The family has traveled to six different states, including California in 2016, to watch Kate participate in YMCA gymnastics meets. This year, they’ll go to Savannah, as Kate has already qualified to compete in the Nationals. Other weekends might find Todd off on a Boy Scout adventure with Will, who is working toward becoming an Eagle Scout.
In between the kids' organized activities, Todd and his family enjoy the outdoors. In the summer, they like to take their boat to Sand Dollar Cove in Manchester or to Brown's Island in Marblehead. The Ehrenbergs like to ski whenever possible, especially in fresh powder through the glades at Bretton Woods. Todd finds that skiing is also a great way to spend time with their friends and extended family.
Todd and Rebecca both enjoy running to help them stay fit and participate in organized running events together. They have raced in the Reach the Beach relay a few times and competed in the Newburyport half-marathon several times. His commitment to running and exercising allowed Todd to play in his high school's alumni soccer game recently, even though he was one of the oldest to participate.
Todd uses his commuting time to catch up on the local sports teams or to listen to a good book on CD from the local library. Todd thinks that Outliers by Malcolm Gladwell is a great book, and he would welcome your suggestions, too. He will usually choose fiction, history, and philosophy, as he feels that there is much more to learn about making financial decisions in those topics than in any book about the stock market.
Patrick Fuller, CFA®
Pat graduated from the University of New Hampshire in 1995. He earned his FINRA Series 7 securities registrations (currently held through Commonwealth Financial Network®) and gained industry experience in various professional positions before deciding to start a financial advisory practice in 2002. Early in his career, Pat recognized the need for advanced education and knowledge when constructing portfolios, so he undertook a three-year course of study focused on investment knowledge, the Chartered Financial Analyst® (CFA®) program. He attained his CFA designation in 2004, something that fewer than 5 percent of financial advisors have achieved.
Pat partners with his clients in many ways. He has set up 529 plans and helped parents draw down the tax-free savings to pay for college, created lifetime income streams for newly retired couples, used his expertise to construct and manage investment portfolios aiming to achieve positive returns without undue risk, and significantly reduced taxes for business owners by establishing their corporate retirement plans. Pat guides his clients over many years toward the realization of their goals, whatever they may be. He brings focus and enthusiasm to the task of managing and protecting his client’s hard-earned financial resources.
Pat resides in Newburyport with his wife, Nancy, and two children, Emily (12) and Colin (9). He spends most of his free time either volunteering or cheering at his kids’ many sports games and activities. In the spring, Pat coaches both of their lacrosse teams and serves as president of the Newburyport Youth Lacrosse Association. He enjoys summers spent with friends and family at the beach, on the golf course, or on his mountain bike. The fall is consumed with carting kids from football to soccer to lacrosse and back again. After the snow has fallen, however, is when Pat and his family are truly the happiest. They are avid skiers and luckily get to spend several weeks per year visiting family in Sun Valley, Idaho. When not skiing out West, the Fuller family can typically be found on the slopes of Sugarbush, Vermont. Pat has also been collecting wine for close to 20 years. His collection is not very large because he tends to taste more than save, but he’s still waiting for the right moment to open his prized bottle of 1995 Caymus Select. If you’ve got a favorite wine, Pat would love to hear about it!
Sheila lives on Plum Island with her husband, Kevin. They have four children and a cat, Chloe. Like many 50-somethings, Sheila and Kevin are adjusting to an empty nest. Their youngest daughter, Carly (23), is a senior at UMass Amherst and graduates in May 2019. She plans to return to Copenhagen in August for 2 more years and another degree. Derek (28) moved to San Diego in late 2018. He is bartending, gloating about the weather, and slowly looking for his next startup job. Evan (30) lives in Battery Park, NYC, with his fianceé, Harriet. They are getting married in June in Amsterdam and we are so excited to celebrate with them. Devin (31) lives in NH with his wife, Melissa, and their 3 kids: Jack, 12; Maisy, 18 months; and Paxton who was born in March 2019.
Now that she has more free time, Sheila tries to exercise more with yoga, biking, and weight lifting. Since her clients are starting to spread out across the U.S., she spends time in Jacksonville, FL, in the winter visiting her many Florida clients in person and keeping up with all clients with phone appointments as needed.
Like her children, Sheila loves to travel internationally, usually to visit one of her children. All the kids have studied abroad, so she and Kevin have visited Australia, Europe, and South America—and Carly’s not finished roaming yet! Her most memorable adventure to date was a trip with Kevin, Derek, and Evan to India to attend her financial planning analyst’s wedding. Getting to know Copenhagen has been so fun, and the whole family especially enjoyed the food scene with Carly’s expert guidance.
Sheila and Kevin try not to leave home in the summer and instead spend it on their pontoon boat with family and friends. A foodie who doesn’t cook much without kids at home, Sheila loves it when her in-laws, Bev and Jim Stehlin, come over for impromptu dinners or boat rides.
Sheila loves the people part of her job and has developed close ties with her clients. She helps in ways that go beyond the financial, and her clients rely on her help, such as with calling a college admissions office, negotiating a car purchase, going to the bank with a client to refinance, accompanying a client to an estate planning meeting, or even working with an assisted-living facility to help a client through a challenging transition. Sheila’s father has Alzheimer’s, so long-term care concerns and caring for elderly parents are much more than a theory for her; she understands how hard it can be.
People often seek financial help in times of transition, and Sheila recognizes that these times can often be emotionally challenging, too. She takes time to understand and help clients sort through the complexities that often accompany divorce, college decisions, aging parents, and any of the transitions that might seem to be financial but are really about so much more than money.
Recently, Sheila gathered with leading financial advisors invited to participate in Commonwealth Financial Network's Business Experience conference, May 22–25, 2017, at the Ritz-Carlton in San Francisco. Business Experience recognizes successful advisors based on a ranking of annual production among Commonwealth’s nationwide network of more than 1,710 financial advisors.
Wayne Bloom, CEO of Commonwealth, said of the event, “By participating in this conference, Sheila pledges to evolve within her profession and remain dedicated to providing the exceptional independent financial guidance and education her clients depend on. We commend Sheila for her unwavering focus on her clients’ needs and commitment to their best interests.”
Throughout the conference, advisors attended information sessions and panel discussions geared toward bettering their practices—bridging the gap between advisors’ personal brand and the culture of their firm and finding new ways to connect with clients and grow their businesses. Nick Murray, one of the financial services industry’s premier speakers, spoke to attendees about planning’s Golden Age, while Brad McMillan, senior vice president and chief investment officer at Commonwealth, provided an economic update.
While in San Francisco, Sheila also took time to give back to those in need. Partnering with Hamilton Families, an organization dedicated to ending family homelessness, she and other Commonwealth volunteers spend an afternoon updating the shelter’s community space to help improve the experience of its residents.
Sheila Stehlin is proud to have been recognized as a Business Experience advisor for 2018—a distinction based on annual production that places her among the top 47 percent of advisors affiliated with Commonwealth Financial Network.
Each year, Commonwealth, the Registered Investment Adviser–broker/dealer that helps us process investment transactions on your behalf, recognizes Business Experience advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. Business Experience advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients.