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Long range planning does not deal with future decisions but with the future of present decisions. Peter Drucker

Financial Planning

Acumen Wealth Advisors recognizes the needs and objectives of our clients evolve over time. We collaborate with our clients and their leading advisors to assemble a financial plan and monitor changes that occur as their life progresses. Our professionals at Acumen Wealth Advisors focus on the strategic areas of financial planning including portfolio management, retirement planning, estate planning, and risk management. Using web-based planning software and the insight of Certified Financial Planning™ specialists, we analyze what a client owns and use this technology to support client interactions with our planners. This approach facilitates the decision-making process and creates an environment where the team of advisors can implement deliberate and calculated planning strategies.

Be greedy when others are fearful, and be fearful when others are greedy. Warren Buffett

Portfolio Management

First and foremost at Acumen Wealth Advisors, we work to understand cash flows and tolerance for risk for our clients. Next, we discuss how to adjust and assemble their portfolio. We incorporate a multitude of other factors including tax liabilities, market conditions and concentrations. At that point an investment strategy is developed to meet the needs best suited for each client.

We manage our clients’ investment risk with prudent product selection and due diligence, broad asset allocation, and diversification. Although neither asset allocation nor diversification protects against loss of principal due to market fluctuations, they are effective methods used to help manage investment risk.

It’s not how much money you make but how much money you keep, how hard it works for you, and how many generations you keep it for. Robert Kiyosaki

RETIREMENT ADVISORY SERVICES

Understanding the principles necessary for establishing and maintaining a successful retirement strategy can be a daunting task. For this reason, many plan sponsors rely on the guidance of a plan consultant. Acumen Wealth Advisors, as a fiduciary and plan consultant, has developed skilled knowledge in retirement planning and welcomes the opportunity to help you and your participants.

Skate to where the puck is going to be, not to where it has been. Wayne Gretzky

Foundations and Endowments

The purpose of life is not to be happy. It is to be useful, to be honorable, to be compassionate, to have it make some difference that you have lived and lived well. Ralph Waldo Emerson

About

Acumen Wealth Advisors provides customized, active asset management integrated with financial planning. Our team helps successful families achieve their financial objectives through education, leveraging the latest technology, strategic planning, and frequent communication to build trust and strong client relationships. These fundamentals allow our clients to feel informed, confident, and secure.

We understand financial planning is a verb and not a noun. We engage our clients as their plans are executed and evolve. Acumen’s commitment helps successful families stay successful.

Acumen Wealth Advisors is an independent fee-based asset management firm based in downtown Chattanooga, Tennessee. Established in 2012 Acumen is a Registered Investment Adviser (RIA) and is committed to the fiduciary standard in which we always act in our clients’ best interest. We are proud of the prudent and trusted investment and financial planning guidance our advisors provide to successful families. We encourage you to reach out to our team so we can demonstrate our innovative and transparent client-centric experience.

Reese Veltenaar, CFP®, MAcc, CTFA

Partner

Reese Veltenaar, CFP®, MAcc, CTFA

<a href="mailto:reese.veltenaar@acumenwealth.com">reese.veltenaar@acumenwealth.com</a> <p>Reese co-founded Acumen Wealth Advisors after he realized the continuing need for transparent client-centric advice. Reese served as Vice President and Relationship Manager for Trust and Private Banking at Regions Bank for ten years and received multiple Chairman’s Club awards. This award honors the top ten percent of associates across 16 states and is the company’s top annual performance recognition. With his background in banking and trust, Reese has experience in investment management, risk management, tax planning, estate planning, succession planning, and executive pay structures.</p> <p>Reese is an International Baccalaureate (IB) degree holder, holds a Bachelor of Science in Finance from the University of Florida, a Master of Science in Accounting from the University of Tennessee at Chattanooga, FINRA Series 7 (General Securities Representative), and life insurance licenses.</p> <p>Reese is a Certified Financial Planner (CFP®). The CFP certification is obtained by completing an advanced college-level course addressing the financial planning subject areas the CFP board’s studies have determined as necessary for the competent and professional delivery of financial planning services, a comprehensive certification exam (administered in ten hours over a two-day period) and agreeing to be bound by the CFP board’s standard of professional conduct. As a prerequisite the IAR (Investment Adviser Representative) must have a bachelor’s degree from a regionally accredited United States college or university (or foreign university equivalent) and have at least three years of full-time financial planning experience (or equivalent measured at 2,000 hours per year). This designation requires 30 hours of continuing education every two years and renewing an agreement to be bound by the standards of professional conduct. </p> <p>Reese is a Certified Trust and Financial Advisor (CTFA). This certification is obtained by completing an exam administered by the American Bankers Association (ABA) Institute of Certified Bankers (ICB). As a prerequisite to sit for the exam, individuals must meet one of the following requirements: three years of wealth management experience and complete an ICB-approved training program; or have five years of wealth management experience and a bachelor’s degree; or ten years of wealth management experience. Wealth Management Experience is defined as direct client contact in the various facets of delivering financial planning and fiduciary services relating to trusts, estates, IRAs, and individual asset management accounts. This designation requires 45 continuing education credits every three years with a minimum of six hours in each of the four knowledge areas.</p> <p>Additionally, Reese is an honors graduate of Cannon Trust School. The Cannon program is designed to facilitate the planning, implementation and administration of complex trusts including gift and estate taxes, advanced generation skipping, fiduciary income tax, and split interest and charitable trusts.</p> <p>Reese is passionate about charitable planning and serves as the Foundation Chairman of the Board for Hospice of Chattanooga. Reese is also a member of the Chattanooga Estate Planning Council.</p>
John Owen

Partner

John Owen

<a href="mailto:john.owen@acumenwealth.com">john.owen@acumenwealth.com</a> <p>John has over 15 years of experience in entrepreneurship and understands the challenges related to small business. John co-founded Acumen Wealth Advisors to help individuals and families reach their goals both personally and professionally. He builds relationships with clients, analyzes needs, and coordinates with other trusted advisors to help develop wealth management strategies.</p> <p>John has played a role in operating closely held family businesses from all aspects including project management, client service, technology, finance and accounting, marketing and sales, and product development. He worked very closely with one family business from inception to managing a transaction which resulted in a sale to private equity in excess of $100 million in 2008.</p> <p>John studied accounting at Middle Tennessee State University and finance at the University of Tennessee at Chattanooga. He holds a FINRA Series 7 (General Securities Representative), 66 (Uniform Combined State Law Examination), property, casualty, life and health insurance licenses. John and his family are very active in youth sports and local ministry, and he is a board member for LAUNCH.</p>
Amy Stone

Chief Compliance Officer

Amy Stone

<a href="mailto:amy.stone@acumenwealth.com">amy.stone@acumenwealth.com</a> <p>Amy has more than a decade of experience in the financial services industry where she emphasizes efficient service and assists clients in finding solutions to their unique needs. She works to help research and implement the firm’s tactical allocation of funds and monitors the client’s underlying investments. Her focus is compliance, operational management, and the fiduciary aspects of the business.</p> <p>Amy is responsible for overseeing and managing compliance of Acumen Wealth Advisors’ employees to current laws, regulatory requirements, and internal policies, procedures, and its fiduciary Code of Ethics. She is a senior manager and provides guidance to executives and employees to adhere to the high standards of applicable rules and regulations. Amy also verifies client needs are placed first.</p> <p>Amy earned an Associates’ Degree in Accounting from Georgia Northwestern Technical College. She was awarded a full scholarship to DeVry University where she acquired a Bachelor of Science in Management graduating Summa Cum Laude. Amy holds the FINRA Series 7 (General Securities Representative), 9 and 10 (General Securities Sales Supervisor), 66 (Uniform Combined State Law Examination) and life insurance licenses. Amy is a member of the Gordon Lee Band Boosters and enjoys volunteering for her children’s marching band.</p>
Beth Tremaine

Senior Portfolio Manager

Beth Tremaine

<a href="mailto:beth.tremaine@acumenwealth.com">beth.tremaine@acumenwealth.com</a> <p>Beth, having more than 35 years of finance experience, oversees all activities related to Acumen’s investment decisions. These responsibilities include due diligence, research, evaluation, strategic and tactical asset allocation decision-making, and aligning the investment selections with each individual client’s investment goals. Beth, along with the Portfolio Management Committee, develops, implements, executes, and communicates all aspects of Acumen’s investment strategy. She works closely with clients to identify their proper asset allocation taking into consideration their goals, time horizon, risk tolerance, appropriate growth, and income targets as well as considering tax implications. Beth communicates with her clients to keep them informed about domestic and international trends and events and the impact on their portfolios.</p> <p>Beth earned a Bachelor of Science with Honors in Business Administration from Upper Iowa University. She served as Vice President and Portfolio Manager for Private Wealth Management at Regions Bank in East Tennessee, North Carolina, and Iowa and received the Chairman’s Club award for seven consecutive years. This award honors the top ten percent of associates across 16 states and is the company’s top annual performance recognition. Beth served on the Investment Strategy Committee and chaired both the Asset Allocation Committee as well as the Best Practices Committee at Regions Bank. She also holds the FINRA Series 65 (Uniform Investment Advisor Law Exam) license.</p> <p>Beth is a devoted community supporter and has volunteered for several organizations including Junior League, American Cancer Society, Rotary International, American Red Cross, Covenant Hospital Foundation, Reading and Recording for the Blind and Dyslexic, and Cancer Support Community. </p>
Cheryl Tynan

Retirement Administrator

Cheryl Tynan

<a href="mailto:cheryl.tynan@acumenwealth.com">cheryl.tynan@acumenwealth.com</a> <p>Cheryl coordinates investment policy statements with underlying investments and educates executives, committees and employees about their 401(k) plan and the importance of saving for retirement.</p> <p>Cheryl worked in the banking industry and earned several Chairman’s Club awards when she was Vice President and Branch Manager at Regions Bank for over ten years. This award honors the top ten percent of associates across 16 states and is the company’s top annual performance recognition. She studied business administration at the University of Alabama. Cheryl holds licenses in property, casualty and life insurance and is a Certified Financial Education Instructor.</p> <p>Cheryl takes pride in her four children and emphasized the importance of education. Two children graduated from Clemson University, one from James Madison University and one graduated from both Furman and Duke University. She is a founding member of the Signal Mountain Business Association and served as Treasurer for three years.</p>
Jerome You

Wealth Administrator

Jerome You

<a href="mailto:jerome.you@acumenwealth.com">jerome.you@acumenwealth.com</a> <p>Jerome performs an array of responsibilities focused on client service. These duties include client communication and collecting, researching, and analyzing information to prepare reports and presentations. He also provides support and assistance during client meetings. Jerome is dedicated and committed to a client experience emphasizing timeliness, efficiency, and accuracy.</p> <p>Jerome worked as a relationship banker at FSG Bank where he focused on creating and cultivating positive relationships with new and existing clients. He managed a platform team to maximize effectiveness and was a champion for new business growth.</p> <p>Jerome received a Dual Seal Diploma in high school and studied English literature at Kennesaw State University. He taught English at Cheongdo Elementary School in South Korea with TaLK (Teach and Learn in Korea) where he earned an award for Model Lesson Planning. Jerome then worked as an English grammar and literature tutor for Chattanooga area private high school students, specializing in standardized testing and has been a mentor for students at Battle Academy in Chattanooga. Originally from New York City, Jerome is enamored with all the beauty and activities Chattanooga offers, participating in outdoor activities such as hiking and rock climbing and supporting local teams including the Chattanooga Lookouts and the Chattanooga Football Club.</p>
Arie Veltenaar, MBA

Client Relations

Arie Veltenaar, MBA

<a href="mailto:ariev@acumenwealth.com">ariev@acumenwealth.com</a> <p>Arie proactively communicates the firm’s mission to clients and enhances relationships. She develops and coordinates opportunities for clients to engage with Acumen Wealth Advisors for fiduciary solutions.</p> <p>Arie has a background in accounting and banking with Fortune 500 companies. She is a seasoned fundraising and event planning professional with over ten years of experience in the non-profit industry supporting organizations including the University of Florida Alumni Association, Hospice of Chattanooga, the Craniofacial Foundation of America, and LAUNCH.</p> <p>Arie earned a Bachelor of Science in Finance from the University of Florida and a Master of Science in Business Administration from the University of Tennessee at Chattanooga. She co-authored a publication in Today’s CPA Magazine with her UTC Estates, Gifts and Trusts professor, Dr. Joanie Sompayrac, in March 2008 called Minimizing the Impact of the Federal Estate Tax on Family Farms: A Continuing Issue. Arie holds insurance licenses for property, casualty and life. She is the recipient of the 2009 Hospice of Chattanooga Foundation Volunteer of the Year Award and belongs to the Chattanooga Women’s Leadership Institute and the Signal Mountain Business Association.</p>
Thomas Blewett

Treasurer

Thomas Blewett

<a href="mailto:tom.blewett@acumenwealth.com">tom.blewett@acumenwealth.com</a> <p>Tom brings entrepreneurial business experience to Acumen Wealth Advisors. He enjoys working with clients, maintains accounting records and assists with income tax planning and prepares financial statements. Tom understands the demands and risks associated with small businesses.</p> <p>Tom formed and operated his own successful company in South Florida, Blewett Paving and Sealcoat, for ten years. He served as a radioman in the Philippines for the United States Navy and served one year with Operation Deep Freeze in Antarctica at McMurdo Station.</p> <p>Tom graduated with a Bachelor of Science in Environmental Design from the University of Oklahoma. He is licensed in property, casualty, life and health insurance. Tom is actively involved with the Signal Mountain Lions Club and is a member of the Signal Mountain Business Association.</p>

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Our Office

250 Forest Avenue
Chattanooga, TN 37405
Email: clientservices@acumenwealth.com
Phone: (423) 825-4796
Fax: (423) 825-4795