We take a collaborative approach to investment and financial planning matters. While many firms have an investment committee that meets to discuss which investments should be recommended for client accounts, we go one step further – our team considers not only investment but also financial planning matters. We combine our expertise in investment management, financial planning, and taxation to ensure a comprehensive solution for our clients’ needs.
Tom Zachystal is the founder of the firm and our President and Chief Investment Officer. Prior to starting Individual Asset Management, he was Vice-President Europe based in Prague, Czech Republic for another US RIA firm and worked for a major Wall Street investment firm. Tom also spent five years as an international business consultant and seven years as an engineer for oil services firm Schlumberger. During this time he worked in a dozen countries on four continents and it is his combination of international experience and investment knowledge that allows IAM to offer tailored financial solutions to expatriates and non-US investors as well as to American residents and citizens.
Tom has an MBA in Global Management from Thunderbird University in Glendale, Arizona, a BSc in Civil Engineering from the University of Alberta in Edmonton, Canada and holds the Chartered Financial Analyst (CFA) credential as well as the British Investment Management Certificate (IMC), and is a Certified Financial Planner™ (CFP™) practitioner. He has been managing investment portfolios on a discretionary basis since 2002 and oversees investment management and financial planning for all our expatriate clients.
Stoyan Panayotov is our portfolio manager and focuses on investment research and building diversified, globally-allocated, investment portfolios to meet our clients’ specific needs.
Before joining IAM, Stoyan spent 12 years working in various risk management and trading capacities for Wells Fargo and Deutsche Bank. Stoyan has an MBA degree in Finance from Pace University, Lubin School of Business, in New York City and a Bachelor of Science from the University of Economics in Varna, Bulgaria. Stoyan has a diverse background in trading a wide range of equities, fixed income, and municipal bond products. He has many years of experience in building customized client portfolios with a focus on long-term asset allocation, broad portfolio diversification, tax-efficiency, and sustainable risk-adjusted returns.
Laurie Thomas has over 20 years experience in the brokerage industry. She passed her series 7 and 63 brokerage licenses in 1996 and worked as a broker and program manager at Charles Schwab in San Francisco prior to joining IAM in 2016. She also obtained the General Securities Sales Supervisor series 9 and 10 licenses in 2000. She holds a Bachelors degree from Guilford College in North Carolina as well as a Masters from the University of North Carolina at Greensboro.
Laurie has spent many years within the financial services industry putting her passion to work on creating programs and initiatives to help clients become more financially fit. Her focus at IAM is on providing clients with financial plans that will help them better navigate their financial future.
On a personal note, Laurie enjoys spending time outdoors, traveling, and volunteering in a reading program for young children, as well as spending time with her family.
Marian Wellman has over 25 years experience in financial planning and tax consultation. She has an MBA in Finance from the University of Colorado and began her financial and tax consulting career in 1983 with a major US brokerage firm. She launched her own private practice in 1996 to offer comprehensive financial planning to individual clients and also acted as a Planned Giving Director for a church-based multi-state charitable foundation. In 2005 Marian moved to the Lake Chapala area, near Guadalajara, Mexico and started a tax preparation business catering to American expatriates. She became an Investment Advisor Representative for IAM in 2006, working with clients based in Mexico.
Marian relocated back to her home state of Colorado in 2015 but continues to spend the tax preparation season in Mexico.
Randall Brody has over 20 years experience in tax consultation and banking, He has a Bachelors degree in Finance, an MBA, and is a National Tax Practice Institute Fellow and IRS Enrolled Agent. Randall built and ran three successful brick-and-mortar tax offices over ten years, preparing thousands of returns, before moving to a completely online business model focused on helping American’s living overseas.
On a personal note, Randall is an avid skier and in his spare time serves as a member of the local volunteer ski patrol and enjoys spending time with his family (wife, four daughters, son, granddaughter and grandson).
Learn more about:
- Our Custodian
IAM clients benefit from multi-currency investment accounts, excellent rates on exchanging currencies, and access to investment markets around the world. We can wire funds in and out of accounts in a variety of currencies, and, depending on the country of residency, it may also be possible to arrange for debit card and checking access.
We have institutional relationships with two large multi-national US-based discount brokerage firms so trading costs are kept to a minimum and our clients’ accounts are protected against default by SIPC insurance up to $500,000 and private insurance on amounts above that.
Our clients have direct access to their investment accounts online where they can view their account holdings and transactions and can download statements. We provide quarterly reporting to our clients and a more in-depth annual report comparing account performance to a meaningful benchmark.
During the 2008 financial crisis a number of large Wall Street firms such as Bear Stearns and Lehman Brothers failed and several others, such as Merrill Lynch, were purchased by banks to keep them from failing. The brokerage firms we use to house our clients’ accounts had no such issues.
- Our Network
IAM’s goal is to provide solutions to any financial concern that a client may have. We specialize in investment management and financial planning services and we have a network of trusted professionals who can address our clients’ taxation, insurance, and other financial needs. Our network includes:
- A world-wide network of financial planning firms with which we collaborate to provide cross-border solutions for our expatriate clients
- Tax professionals who provide tax strategy services and submission of returns for US residents or non-residents
- An insurance agent who represents a number of leading international insurance companies and who specializes in plans for expatriates
- Estate planning attorneys who specialize in cross-border issues and the setting up of trusts
We encourage our clients to come to us with any financial concerns, if we do not immediately have someone in our network who can effectively address the issue, then we will find a solution from a trusted outside provider.