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OUR APPROACH

35 Years of Experience

Over the years, we have found that a team approach can be an effective method to help clients who have a wide variety of needs as they maneuver through a complex financial-services world. We invite you to discover and experience the power of our services. We believe it has far-reaching benefits for our clients to get opinions from several sources with diverse backgrounds, education, and experience. No one strategy fits everyone, which is why every client gets our undivided attention—from planning to execution to follow-up.

We take a proactive approach to helping you develop a strategy to address your financial goals and objectives, using the most efficient methods available. Recognizing that everyone encounters challenges along the way, we strive to anticipate and address those situations as they occur. We want to keep you on track toward a meaningful and purpose-driven financial future.

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OUR NAME

Sutter Fort History

sutter fortSutter’s Fort was built by Swiss immigrant John Sutter more than 150 years ago was not only located at a pivotal point in California. It was a pivotal point in history. Built in Sacramento, he built what came to be known as Sutter’s Fort. In 1848, James Marshall, a carpenter working for Sutter, was looking over the field when a sparkle of light in the dark earth caught his eye. Looking more closely, he found much of the property was speckled with what appeared to be small flecks of gold, and he rushed to tell Sutter.

After it was confirmed that the flakes were indeed gold, Sutter quietly set about gathering up as much of the gold as he could, hoping to keep the discovery a secret. However, word soon leaked out and within months, the largest gold rush in the world had begun. Ironically, the California gold rush was a disaster for Sutter. It brought thousands of men who overran Sutter’s property. By the 1850’s, all that was left of Sutter’s Fort was the central building forever changing the course of history in the American West. This history led to choosing the name Sutter for our Wealth Management firm

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OUR PEOPLE

Meet The Team

Over the years, we have found that a team approach can be an effective method to help clients who have a wide variety of needs as they maneuver through a complex financial-services world.

Phil Anderson

Phillip C. Anderson, CFP®, CRPC™

Senior Partner & Wealth Management Advisor

Phil Anderson

Phillip C. Anderson, CFP®, CRPC™

Senior Partner & Wealth Management Advisor

916.740.1794
panderson@sutterwm.com

With more than 34 years of experience in financial services, Phil is dedicated to helping individuals meet their financial needs by developing investment plans around their long-term goals and risk tolerance. Phil’s experience throughout major shifts in the markets enables him to help his clients structure balanced portfolios designed to address their specific financial goals.

Phil founded Sutter Wealth Management, and sincerely seeks professional gratification from helping clients work toward and feel a sense of accomplishment and control in the areas of their lives most important to them. Phil is an experienced financial advisor and he focuses on retirees, professionals, and other business owners.

Phil is a CERTIFIED FINANCIAL PLANNER™ professional and a Chartered Retirement Planning Counselor™. As the Senior Partner and Wealth Management Advisor at Sutter Wealth Management Phil completed his semiannual training with America’s IRA Experts at Ed Slott and Company, LLC in Dallas, Texas. May 2-3, 2019. The workshop, which was attended by members of Ed Slott’s Elite IRA Advisor GroupSM, provided in-depth technical training on advanced retirement account planning strategies and estate planning techniques and new tax laws, as well as a proactive look at legislation currently being considered by Congress that would bring significant changes to the way Americans plan for retirement. He attended a business succession program involving strategic business planning, business succession, and buy sell agreements; business valuation, investments, and insurance planning for business owners; asset preservation strategies and family dynamics, intra-family transfers, sales to third parties, and ESOPs. He attended California State University Fresno where he studied Business Administration.

In his spare time, Phil enjoys traveling and golfing.

Michelle Cavallero

Michelle Cavallero

Operations / Administrative Manager & Partner

Michelle Cavallero

Michelle Cavallero

Operations / Administrative Manager & Partner

916.740.1975
mcavallero@sutterwm.com

Michelle has 22 years industry experience, and has worked with Phil since 2003. Michelle is responsible for all account paperwork and client requests. She received a Bachelor of Science in Business from University of Phoenix.

In her spare time, she enjoys spending time with her two daughters and granddaughter, reading, going to concerts, and attending sporting events.

Dixie Anderson

Dixie Anderson

Director of Marketing & Client Relations

Dixie Anderson

Dixie Anderson

Director of Marketing & Client Relations

916.740.1797
danderson@sutterwm.com

Dixie has 30+ years in the industry working as a senior client associate to seasoned financial advisors. She joined Sutter Wealth Management in 2018 as Director of Marketing, helping Phil grow his business through social media.

Her interests are traveling, reading, attending various sports events & concerts, hiking, and getting more familiar with the game of golf.

Randy Kolenda

Randy Kolenda

Financial Advisor

Randy Kolenda

Randy Kolenda

Financial Advisor


info@sutterwm.com

Randy Kolenda moved his practice to Sutter Wealth Management in July 2019 after nearly a decade at Wells Fargo Advisors. The experience at a large firm, serving several hundred clients with a wide variety of investment objectives convinced Randy that his true strength is in providing goals-based, long term financial planning and investing guidance to families, individuals and small business owners. The opportunity to serve a smaller number of handpicked clients as an independent, fee-based advisor in a fiduciary role, is what led Randy to join the Sutter Wealth Management team.

Using an interactive process, Mr. Kolenda guides clients in addressing areas of immediate need and identifying long-term goals. A comprehensive plan for goal achievement and life-long financial peace of mind is constructed and agreed upon. The plan is by necessity goal-specific, dollar-specific, and date-specific. A detailed funding schedule and investment policy fuels the plan.

Randy graduated from Villanova University with a Bachelor of Science degree in Business Administration/Operations Management. He proudly devoted nine years to service as a commissioned officer in the U.S. Navy, sailing throughout the South Pacific and Indian Oceans. After the military, Randy entered the private sector managing a multi-state region on behalf of a national retail chain for eight years, and then ten years as the owner of a regional chain of stores.

Randy lives in El Dorado Hills with his wife, Cori. They like serving the community through their church, travelling, and spending time with their adult daughter and son.

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OUR CUSTODIAN

TD Ameritrade Institutional

TDATD Ameritrade Institutional* is a leading provider of comprehensive brokerage and custody services to over 4,000 fee-based independent Registered Investment Advisors (RIAs) and their clients. Their collaborative approach and innovative technology solutions ensure that we spend less time navigating a one-size-fits-all solution and more time focused on exceeding your expectations. TD Ameritrade, Inc. is the firm that we use to custody our client assets. TD Ameritrade and Sutter Wealth Management, are separate and unaffiliated firms, and are not responsible for each other’s services or policies.

TD Ameritrade does not endorse or recommend any advisor and the use of the TD Ameritrade logo does not represent the endorsement or recommendation of any advisor. Brokerage services provided by TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission.

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OUR RIA

Hayden Royal

Hayden RoyalHayden Royal, LLC, an SEC registered investment advisor, is a full-service RIA firm designed to empower independent wealth advisors to spend more time providing outstanding service to their clients and less time focused on operations. Hayden Royal provides the people, knowledge, and infrastructure required to fully support an independent advisor's back office needs while offering training and resources focused on our six areas of comprehensive wealth management; Investment Management, Insurance Planning, Tax Planning, Liability Planning, Real Estate Strategy, and Estate Planning.

Through partnership with Hayden Royal, Phillip C. Anderson gains access to the latest tools and offers a fully compliant, integrated technology platform that includes asset management, portfolio accounting and analysis, research, performance reporting, financial planning, and more.

For more information visit us at haydenroyal.com