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Building Relationships... Enhancing Lives

Quarterly Executive Summaries:

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Our CORE mission is to develop lasting client relationships that enhance lives and support the realization of dreams through education, communication, objectivity and service excellence. 


These are not empty words.  They represent why we exist and the CORE values we hold as a firm. 

C

Client:

It’s all about you, our Client, and enhancing your life.

O

Objectivity:

Objectivity, represented by our fee-only management style, promotes impartial investment advice, putting you first in the process.  

R 

Relationship:

We are dedicated to our Relationship and supporting your goals for the long run.  We are committed to a life-long partnership, working together to develop a plan so you can accomplish your dreams.

E

Excellence:

Service Excellence and sustained communication is key to your comfort and peace of mind and Excellence in investment management is key to financial success.



The Fiduciary Advantage

As a Fiduciary, we have a legal obligation to provide the highest standard of care by acting in the best interests of our clients.

When entrusting someone to manage your wealth, you should be confident they have your best interests at heart.

Our CORE focus is you . . .

At CORE Investment Management, we believe our teamwork approach adds a broader perspective to all we do and provides increased benefits to our clients.

James L. Spencer Photo

James L. Spencer

President
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Jim, CORE’s President and an Investment Advisor Representative with Asset Management Financial Services, Inc., is a member of the firm's Investment Committee.  Over the course of 50 years in investment management, Jim’s extensive experience in the industry brings a broad economic perspective to the CORE investment committee.  

A 25-year veteran of The Pioneer Group, Inc., Jim served on the Board of Directors, was the managing director of Pioneer Funds Marketing GmbH in Frankfurt, Germany and was also a member of the management board of the first mutual fund in Poland established in 1991.  

Looking to create a unique method to serve individual investors, Jim founded Spencer International Advisors, Inc., in 1994, where he developed a boutique investment management firm specializing in creating the meaningful client/investor relationships.

Now as president of CORE and chairman of the investment committee, he continues his dedication to enhancing the lives of clients through education, communication, objectivity and service excellence.

Over the years, his service to various industry organizations includes positions with the District Business Conduct Committee of the National Association of Securities Dealers, Inc., (now known as FINRA) and various committees of the Investment Company Institute in Washington, D.C.  

Jim received a BA in economics from Hillsdale College in 1955, and was a 1978 member of AMP at Harvard Graduate School of Business.    

Originally from Michigan, Jim lives in Belleair, Florida and enjoys spending time with his grandchildren.  Extremely active in the community, he has served as chairperson for many charitable events including Abilities Guild Holiday Gala, Suncoast Hospice Charity Ball, UPARC Foundation’s Festival of Trees, and Morton Plant Mease Hospital Foundation Charity Ball.  He served on the board for the Valspar PGA Golf Tournament and UPARC Foundation and was appointed to the Florida Endowment Foundation for Vocational Rehabilitation (The Able Trust) in 2008.

Jim enjoys travel, spending his summers in the South of France and visiting various points of interest within the United States.

Investment Advisory Services offered through Asset Management Financial Services, Inc. (AMFS).  AMFS only transacts business in states where it is properly registered or notice filed, or excluded or exempted from registration requirements. Follow-up and individualized responses that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as the case may be, will not be made absent compliance with state investment adviser and investment adviser representative registration requirements, or an applicable exemption or exclusion.

Wendy B. Sanders, CFP®  Photo

Wendy B. Sanders, CFP®

Vice President
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Wendy, Vice President, is an Investment Advisor Representative with Asset Management Financial Services, Inc.  She is a member of the firm’s Investment Committee, and has 14 years of experience in the investment management industry.  She is a Certified Financial Planner™ professional with expertise in investment research and implementation of the strategies developed by the investment committee.

After earning a Bachelor of Arts degree from University of Mississippi (Ole Miss), Wendy served as Marketing Director for Florida Blood Services Foundation (now known as One Blood). Prior to joining CORE, she was an Investment Advisor Representative with Spencer International Advisors, Inc.  

She serves as treasurer for the Clearwater Junior Cotillion and the University of Tampa Delta Gamma House Corporation and is a member of the Endowment Committee for Peace Memorial Presbyterian Church.

A member of the pioneering Pinellas County Coachman family, Wendy is a third-generation native of Clearwater, Florida. She and her husband Randy live in Belleair and have two children.  She enjoys the beach and spending time with her family and friends.

Investment Advisory Services offered through Asset Management Financial Services, Inc. (AMFS).  AMFS only transacts business in states where it is properly registered or notice filed, or excluded or exempted from registration requirements. Follow-up and individualized responses that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as the case may be, will not be made absent compliance with state investment adviser and investment adviser representative registration requirements, or an applicable exemption or exclusion.

Helen S. Rimensnyder Photo

Helen S. Rimensnyder

Vice President
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Helen, Vice President, is an Investment Advisor Representative with Asset Management Financial Services, Inc.  She is a member of the firm’s Investment Committee and has more than 30 years experience in the financial services industry.  She has extensive experience in investment research and strategy development and is a licensed insurance agent.

Helen’s banking and management experience spans over 22 years with community and commercial banks, working with individuals as well as commercial clients.  She is a graduate of the Florida School of Banking.  Prior to joining CORE, she was an Investment Advisor Representative with Spencer International Advisors, Inc.  

Helen has served on the board and investment committee of the Largo/Mid-Pinellas Chamber of Commerce and on the board of directors of PARC, Inc.

A life-long resident of Florida, Helen enjoys the arts, playing golf, tennis, and spending time with her family.

Investment Advisory Services offered through Asset Management Financial Services, Inc. (AMFS).  AMFS only transacts business in states where it is properly registered or notice filed, or excluded or exempted from registration requirements. Follow-up and individualized responses that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as the case may be, will not be made absent compliance with state investment adviser and investment adviser representative registration requirements, or an applicable exemption or exclusion.

Edmon Rakipi, AIF® Photo

Edmon Rakipi, AIF®

Vice President
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Edmon Rakipi is an Investment Advisor Representative registered with Asset Management Financial Services, Inc., (AMFS), since February 2018 and a member of the firm’s Investment Committee.  He has worked in the investment industry since 2014.  He has over 20 years of experience running businesses in both the private and public sector. Edmon specializes in structuring compensation and retention packages for executives and key employees. He currently holds the AIF® designation. Advisors who have earned the Accredited Investment Fiduciary designation are able to immediately show that they are interested in and working towards the best interests of their clients

Edmon has been in the financial services industry since 2011. He began his career with World Financial Group, an Aegon company. Mr. Rakipi was a Florida licensed insurance agent with Westshore Financial Group in Tampa, Florida, from 2014-2018 and an Investment Advisor Representative with Park Avenue Securities in Tampa Florida, from 2015-2018.  He was store manager for Aldi Foods in Clearwater, Florida, from 2010-2014 and owner/operator of Aunt Maria’s Kitchen in Largo, Florida, from 1995-2009.  Mr. Rakipi holds an Associate of Arts in Business Administration from St. Petersburg College.

Mr. Rakipi was born in Herlev, Denmark and moved to the United States when he was 8 years old. Edmon current lives on Clearwater Beach with his Wife, Gjila, and their two boys, Erdon and Erion. He is a Chicago sports fanatic and avid hockey fan. When Edmon is not serving clients or the community, he enjoys reading and working out. He also serves as Treasurer of a non-profit, Heartbeat International, which implements pacemakers internationally for underprivileged nations.

Investment Advisory Services offered through Asset Management Financial Services, Inc. (AMFS).  AMFS only transacts business in states where it is properly registered or notice filed, or excluded or exempted from registration requirements. Follow-up and individualized responses that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as the case may be, will not be made absent compliance with state investment adviser and investment adviser representative registration requirements, or an applicable exemption or exclusion.


Wendy A. Spencer Photo

Wendy A. Spencer

Chief Compliance Officer
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Wendy is CORE’s Chief Compliance Officer and an Investment Advisor Representative with Asset Management Financial Services, Inc. She is a member of the firm’s Investment Committee and has more than 25 years’ experience in the investment management industry.

Upon graduating with a Master of Business Administration degree from Chaminade University of Honolulu in 1988, Wendy began her investment career at Cadinha & Co, Inc., a leading investment advisory firm headquartered in Hawaii. Prior to CORE, she was Vice President – Operations for Spencer International Advisors, Inc., where she was a founding member of the Board of Directors and member of the management committee.

Wendy is also President of Merit Investment Solutions, Inc., which provides investment advisory services to a private fund investing primarily in non-public securities.

Wendy is particularly dedicated to community involvement and philanthropic opportunities. She has held board and fundraising committee positions with numerous non-profit entities including Morton Plant Mease Health Care Foundation, Florida Blood Services Foundation, Junior League of Clearwater-Dunedin, Suncoast Hospice Foundation, St. Cecelia Interparochial School and Clearwater Central Catholic High School.

Originally from Minnesota, Wendy enjoys staying active, traveling and spending time with her four children and granddaughter.

Investment Advisory Services offered through Asset Management Financial Services, Inc. (AMFS).  AMFS only transacts business in states where it is properly registered or notice filed, or excluded or exempted from registration requirements. Follow-up and individualized responses that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as the case may be, will not be made absent compliance with state investment adviser and investment adviser representative registration requirements, or an applicable exemption or exclusion.

Dana L. Spoolstra Photo

Dana L. Spoolstra

Operations Manager
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Dana, Operations Manager, has 22 years of banking and accounting experience.  Her responsibilities include processing all trading activity and client cash-flow and servicing operations and monitoring all transaction activity.

Dana was a branch supervisor for 11 years and an administrative assistant in corporate lending for two years at a large commercial bank in Clearwater.  Prior to joining CORE, she was operations manager for Spencer International Advisors, Inc.

She has a Bachelor of Arts degree in classics and education from Lenoir-Rhyne College in Hickory, North Carolina. She also worked with a mission in Haiti to teach deaf children.

Originally from North Carolina, Dana lives in Clearwater with her husband Bill.  She enjoys going on cruises with her family, spending time with her grand-nieces, performing in the bell choir at church and painting.

Investment Advisory Services offered through Asset Management Financial Services, Inc. (AMFS).  AMFS only transacts business in states where it is properly registered or notice filed, or excluded or exempted from registration requirements. Follow-up and individualized responses that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as the case may be, will not be made absent compliance with state investment adviser and investment adviser representative registration requirements, or an applicable exemption or exclusion.

Alfred H. Filskov Photo

Alfred H. Filskov

Investment Advisor Representative
Read Bio

With 18 years of experience in the investment management industry, Al utilizes his expertise in the analysis of exchange traded funds and other investments to develop calculated investment recommendations.

Al began his career as an electrical engineer with Texas Instruments. He then served as executive vice president and president for an international manufacturing company and he was a manager/partner for Blind Designs, PLC in South Africa. Prior to joining CORE, he was an Investment Advisor Representative with Spencer International Advisors, Inc.

Al holds a Bachelor’s of Engineering degree from Stevens Institute of Technology and an MBA degree from Southern Methodist University in Dallas.


The CORE Investment Management, LLC (CORE) investment committee includes chairman, James  Spencer, Helen Rimensnyder, Edmon Rakipi, Wendy Sanders, Wendy Spencer and Alfred Filskov. These members have an average tenure of greater than 25 years in the financial industry.

The committee also utilizes the specialized expertise of equity consultants. Consultant experience typically includes extensive capital markets experience with Wall Street firms, advanced business degrees, and industry professional certifications.

Our investment selection process is committee driven … core strategies are developed by consensus rather than by any one decision maker. Excellence in investment management is key to financial success and each of our members brings a unique perspective and individual expertise to the committee. These combined talents create a comprehensive, substantive architecture leading to dynamic strategies to assist clients in achieving their specific goals and objectives.

Objectivity, represented by our fee-only management style, promotes impartial investment advice, putting you first in the process.

Investment Committee Membership History

JAMES L. SPENCER Photo

JAMES L. SPENCER

Read Bio

JAMES L. SPENCER

Over the course of 50 years in investment management, Jim’s extensive experience in the industry brings a broad economic perspective to the CORE investment committee.

A 25-year veteran of The Pioneer Group, Inc., Jim served on the Board of Directors, was the managing director of Pioneer Funds Marketing GmbH in Frankfurt, Germany and was also a member of the management board of the first mutual fund in Poland established in 1991.

Looking to create a unique method to serve individual investors, Jim founded Spencer International Advisors, Inc., in 1994, where he developed a boutique investment management firm specializing in creating the meaningful client/investor relationships.

Now as president of CORE and chairman of the investment committee, he continues his dedication to enhancing the lives of clients through education, communication, objectivity and service excellence.

Over the years, his service to various industry organizations includes positions with the District Business Conduct Committee of the National Association of Securities Dealers, Inc., (now known as FINRA) and various committees of the Investment Company Institute in Washington, D.C.

Jim received a BA in economics from Hillsdale College in 1955, and was a 1978 member of AMP at Harvard Graduate School of Business.

HELEN S. RIMENSNYDER Photo

HELEN S. RIMENSNYDER

Read Bio

HELEN S. RIMENSNYDER

Helen has more than 30 years experience in the financial services industry.  She has extensive experience in investment research and strategy development and is a licensed insurance agent.

Helen’s banking and management experience spans over 22 years with community and commercial banks, working with individuals as well as commercial clients. She is a graduate of the Florida School of Banking. Prior to joining CORE, she was an Investment Advisor Representative with Spencer International Advisors, Inc.

Helen has served on the board and investment committee of the Largo/Mid-Pinellas Chamber of Commerce and on the board of directors of PARC, Inc.

EDMON RAKIPI Photo

EDMON RAKIPI

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EDMON RAKIPI

Edmon has over 20 years of experience running businesses in both the private and public sector. He is an Accredited Investment Fiduciary (AIF®) and has worked in the investment industry since 2014.

Prior to joining CORE, he was an Investment Advisor Representative with Park Avenue Securities and a Florida Licensed Insurance Agent with Westshore Financial Group, both in Tampa, Florida. Edmon holds an Associate of Arts in Business Administration from St. Petersburg College.

Born in Denmark, Edmon moved to the United States when he was eight years old and resides in Clearwater Beach with his wife and their two boys. He is a Chicago sports fanatic and an avid hockey fan. Edmon’s current not-for-profit work includes serving as Treasurer of Heartbeat International Foundation, a global charity providing free access to pacemaker therapy in the developing world. When Edmon is not serving clients or the community, he enjoys reading and working out.

WENDY B. SANDERS, CFP® Photo

WENDY B. SANDERS, CFP®

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WENDY B. SANDERS, CFP®

Wendy has 14 years of experience in the investment management industry. She is a Certified Financial Planner™ professional with expertise in investment research and implementation of the strategies developed by the investment committee.

After earning a Bachelor of Arts degree University of Mississippi (Ole Miss), Wendy served as Marketing Director for Florida Blood Services Foundation (now known as One Blood). Prior to joining CORE, she was an Investment Advisor Representative with Spencer International Advisors, Inc.

She is currently the chairman for the Peace Memorial Presbyterian Church Endowment Committee and has served as treasurer for the Clearwater Junior Cotillion and the University of Tampa Delta Gamma House Corporation.

WENDY A. SPENCER Photo

WENDY A. SPENCER

Read Bio

WENDY A. SPENCER

Wendy has more than 25 years’ experience in the investment management industry.

Upon graduating with a Master of Business Administration degree from Chaminade University of Honolulu in 1988, Wendy began her investment career at Cadinha & Co, Inc., a leading investment advisory firm headquartered in Hawaii. Prior to CORE, she was Vice President – Operations for Spencer International Advisors, Inc., where she was a founding member of the Board of Directors and member of the management committee. 

Wendy is particularly dedicated to community involvement and philanthropic opportunities. She has held board and fundraising committee positions with numerous non-profit entities including Morton Plant Mease Health Care Foundation, Florida Blood Services Foundation, Junior League of Clearwater-Dunedin, Suncoast Hospice Foundation, St. Cecelia Interparochial School and Clearwater Central Catholic High School.  

ALFRED H. FILSKOV Photo

ALFRED H. FILSKOV

Read Bio

ALFRED H. FILSKOV

With 18 years of experience in the investment management industry, Al utilizes his expertise in the analysis of exchange traded funds and other investments to develop calculated investment recommendations.

Al began his career as an electrical engineer with Texas Instruments. He then served as executive vice president and president for an international manufacturing company and he was a manager/partner for Blind Designs, PLC in South Africa. Prior to joining CORE, he was an Investment Advisor Representative with Spencer International Advisors, Inc.

Al holds a Bachelor’s of Engineering degree from Stevens Institute of Technology and an MBA degree from Southern Methodist University in Dallas.

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Investment Philosophy • Advisory Services

Our financial experts work closely with you to create a unique investment plan.

This plan includes a calculated mix of equity and income positions as appropriate based on our in-depth review of your financial situation.

Excellence in investment management is key to financial success. Our investment selection process is committee driven and each of our members brings a unique perspective and individual expertise to the committee. These combined talents create a comprehensive, substantive architecture leading to dynamic strategies to assist clients in achieving their specific goals and objectives. We maximize our extensive resources to provide a diversified investment strategy created specifically to help you meet your financial goals and objectives.

Diversification is aimed at mitigating portfolio risk over the long term by distributing assets among various asset classes. Along with conventional marketable investments such as equities, bonds, mutual funds, and ETFs, CORE Investment Management has developed specialized strategies to enhance your investment portfolio.


1

Our Dividend Equity Strategy can provide a steady stream of income for a portion of your portfolio by utilizing consistent income-generating stocks.

2

Our Insured Strategy incorporates upside potential with downside protection utilizing investments that provide an added level of protection during various market conditions.

3

Through our strategic relationships, our Separately Managed Account Strategy provides our clients with access to the expertise of specialized portfolio managers typically only available to large institutional investors.

4

Utilizing the resources of multiple bond experts, our Select Bond Strategy seeks to obtain individual investment grade corporate bonds that are competitively priced and provide attractive yield.

Personalized Portfolio Management and Financial Planning Services

Are you an investor seeking asset appreciation, steady income or capital preservation? Excellence in investment management is key to financial success and the best plan is never complete until all areas of the financial planning process have been explored.

We provide ongoing investment management and financial planning based on your individual needs and objectives, taking a holistic wealth management approach. Our analysis and recommendations cover every area of your financial needs including budget, estate, retirement, taxes and insurance. 

We also provide investment and financial planning consultation on an hourly basis and can create a plan for your implementation tailored to meet your specific needs.


Specialized Services

Significant events in your life may require action beyond your comfort level. CORE Investment Management’s expertise can provide guidance and assistance in navigating a realm of unique situations ranging from the sale of a business to specialized trading needs (stock options, restricted stock, concentrated positions) to asset protection.    


Fees

Discretionary Portfolio Management

Terms of Business - Fee Schedule
1.00% on accounts up to $1,000,000
0.90% on accounts up to $2,000,000
0.75% on accounts over $2,000,000

Minimum quarterly fee $625.
We may negotiate fees on a client-by-client basis depending on the size, complexity and nature of the portfolio managed. 

Hourly Consultation

Fees for consultation are charged at a $175 Hourly Rate.

Contact Us

LOCATION

1401 South Fort Harrison Avenue
Clearwater, Florida 33756

HOURS

Monday - Friday
8:30 a.m. - 5:00 p.m.

CONTACT

CORE@COREManagement.net
(727) 445-9473