There is a story for each ornament on our Christmas tree
We have been collecting Christmas tree ornaments for the 55+ years of our marriage. Each has a story. These stories probably need to be recorded but the stories will probably end when we are gone.
This ornament is a painted sand dollar given to us by our friend Deb Wetherby many years ago. If you have walked many beaches, you may have found some sand dollars to pick up for your shell collection.
Deb was one of my employees when she was still a young student. Unlike many past employees, she made it an effort to stay in contact with us. I am very proud of her success in the business world and am happy that her firm manages our retirement accounts.
I will copy a report from Barron's to tell you more about Deb Wetherby. She is the CEO of the wealth management firm Wetherby Asset Management based in San Francisco.
Deb Wetherby is founder and CEO of Wetherby Asset Management, an independent advisory firm dedicated to helping clients achieve their goals by providing exceptional investment management and wealth planning services. Deb and her team are committed to putting clients first, which guides the firm's decision making and culture and allows our team to build long-term, caring and trusted relationships with clients.
From the headquarters in San Francisco and office in New York, Deb and her team serve a diverse range of clients throughout the United States. By combining backgrounds in finance, investing, impact, accounting, law and financial planning, they have built a firm whose distinct mission and expert capacity is to serve each client through all of their unique financial needs. The firm has no in-house products, and actively avoids conflicts of interest. The service offered is unbiased advice. This attracts employees who want to build close client relationships and make great investments to meet client goals, and it attracts clients who want an independent partner to help guide them in financial decision-making. Wetherby Asset Management combines investment expertise with a culture of caring and passion to produce outstanding results.
Deb has over three decades of experience serving ultra-high-net worth individuals and families. Deb began her career as a Certified Public Accountant, working for Price Waterhouse in San Francisco in both its Audit and Management Consulting Departments. After she received her M.B.A., she joined Morgan Stanley and worked as a private client services broker for 3 years. After leaving the company to travel she decided to enter the investment advisory/wealth management business. Her experience at a small money management firm led Deb to create Wetherby Asset Management in 1990, inspired to create a new model that rewarded objectivity and results and eschewed the product and sales-driven culture present in most firms at that time. Deb made the decision to separate fees from investment recommendations, an atypical idea that has become the industry standard. While the firm has grown and expanded considerably since its founding, it has never deviated from its founding values centered on exceptional service. What Deb is most proud of is not the amount of money managed or profits —it’s her team, the firm's culture and how they care for clients.
Deb lives in the Bay Area where she enjoys spending time with my three children and three grandchildren. In her free time, she enjoys pottery, reading, hiking and skiing.
580 California Street
San Francisco, CA 94104
|Average Net Worth:||$45m|
As of Jun 30, 2020.
|Active: CFA, CFP, MBA Inactive: CPA|
Current Rankings2020 Top 100 Independent Advisors
2020 Top 100 Women Advisors
2020 Top 1,200 Advisors
Hall of Fame
Sand Dollar Ornament on our Christmas Tree IMG 7541
Canon PowerShot G11 Camera
Photograph by Roy Kelley
Roy and Dolores Kelley Photographs
Many people have seen sand dollars wash up on the beach, a pretty white shell with a stunning star shape stamped on one side. When they're alive, they're actually a purple colour and covered in tiny flexible bristles. When they die, their skeletons get bleached by the sun, turning them white, and the small spines fade away. The familiar star pattern seen clearly on the bleached shell is more hidden when they're alive. "People thought the skeletal remains (called the test) resembled silver coin currency, which is how the name 'sand dollar' came about," according to the Sanibel Sea School in Florida.
Roy and Dolores Kelley Photographs
Roy Kelley and Associates
Roy Kelley, Associate Broker
Realty Group Referrals (Retired from RE/MAX Realty Group)
6 Montgomery Village Ave., Suite 200
Gaithersburg, MD 20879
Main Office: 301-258-7757 (You will not reach me at this number)
Send an email message if you need my phone numbers. I will be happy to recommend a real estate professional if you are moving to the area.