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Denton Financial Group

Denton Financial Group

This issue of Everything Knoxville is pleased to feature Tennessee native and 20-year investment advisor representative, Clark Denton.

In these tumultuous financial times, as investors seek investment strategies to preserve and grow their personal wealth, secure their future retirement objectives, help save for their children’s college educations, and a myriad of other financial goals, a well thought-out and carefully implemented investment strategy makes perfect sense. Clark offers each of his clients a high level of investment diversification and personalized planning based on a thorough evaluation of each client’s individual needs and designed to achieve agreed upon portfolio objectives within each person’s risk threshold. Clark offers two decades of financial investment expertise to a variety of clients with diverse objectives, from those clients just starting out, to seasoned clients, to employer retirement plans.

EK: As a MetLife Investment Advisor Representative, many of our readers might be surprised to learn that MetLife offers the same services as a full-service brokerage service.

Clark: There really is no difference in what companies offer today. The barriers between banks, insurance companies, and brokerage houses have been eliminated. Everyone plays in the same sandbox. What matters are the relationship and the service you get from that firm or individual. I’m a big believer in face-to-face relationships.

EK: Can you share with our readers a little bit about your formal education and investment experience and how the two combined help you assist others in developing individual short- and long-term investment strategies?

Clark: My undergraduate degree is in Accounting from Carson-Newman. I also have an MBA from the Stetson School of Business and Economics at Mercer University in GA. The barriers to entry in my marketplace are relatively small, so just about anyone can get a license and call themselves an “advisor.” Clients should only deal with an advisor who has been in the business at least 15 years. This way you know they are doing something right. Every time the market corrects I learn something. Success follows a predictable course.

EK: When you meet with clients, what emphasis do you place on education?

Clark: It’s ALL about education. If clients understand the financial instruments out there today, then they understand what they’re saying yes to. People will make the right decisions for themselves if they have all the information. Having access to many different options is important.

EK: How do you address the issues of safety when consulting with individual clients?

Clark: Most of my clients are concerned about 3 things: 1) Regardless of their assets, most are worried about running out of money. 2) Most are wary of the potential of losing everything in a nursing home situation. 3) No one likes paying more taxes than they should. There are many ways to mitigate and transfer risk today, and education plays a big role.

EK: How important is it for a good investment advisor to also be a good listener?

Clark: Being a good listener and asking the right questions are hugely important. One question I always ask clients is “What is the intent of this money?” It may be income, legacy planning, or simply accumulation. The client knows exactly what they want to do. I provide the education and products to do it the right way.

EK: How important is it for clients to periodically review their investments and strategies?

Clark: An annual review is a must, but a quarterly review is preferred. We send out approximately 600 letters every quarter requesting clients to come in for review. Quarter break is a very busy time for us. The reviews allow us to go over the sometime dramatic changes that have occurred in our equity markets during the past several years. No surprises with money are always a good thing.

EK: Is it still possible for an investor to safely navigate today’s uncertain financial marketplace?

Clark: Risk is inherent in everything an investor does. Even CD holders are subjected to risk. If CD holders are living off their principle and interest, then purchasing power risk and longevity risk are the two main ones. Understanding and managing risk is paramount in our conversations. Again, understanding what the client wants to accomplish and educating them to that end is a very important goal in our meetings. Safety means different things to different people. We have to dig down and find out what that means to that individual.

EK: Do you have any other thoughts that you’d like to share with our readers?

Clark: My work is very meaningful, because we help clients manage risk (not just money), and we help them make the most of what they have. I really enjoy what I do.

Denton Financial Group
An office of MetLife

412 Ebenezer Road in Knoxville
683-A Emory Valley Road in Oak Ridge
1780 N. Broad Street in Tazewell

Clark Denton is a Financial Services Representative and Investment Advisor Representative at MetLife Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities products and investment advisory services offered by MetLife Securities, Inc. (MSI) (member FINRA/SIPC) and a registered investment adviser. MLIC and MSI are MetLife companies.

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