Michelle E. Soto
Director of Financial Planning at Bingham, Osborn & Scarborough LLC
Belmont, CA, United States
This person is connected to 913 people.
Principal & Portfolio Manager at Bingham, Osborn & Scarborough LLC
Principal at Bingham, Osborn & Scarborough LLC
Former Director at Bingham, Osborn & Scarborough LLC
Executive Vice President at Boston Private Financial Holdings, Inc.
Founder at Bingham, Osborn & Scarborough LLC
Principal & Chief Investment Officer at Bingham, Osborn & Scarborough LLC
Managing Principal at Bingham, Osborn & Scarborough LLC
Managing Principal, Chief Operating Officer at Bingham, Osborn & Scarborough LLC
Partner/Principal at Bingham, Osborn & Scarborough LLC
Principal at Bingham, Osborn & Scarborough LLC
South Florida Sun-Sentinel
June 27, 2014
The Detroit News
April 21, 2014
August 22, 2013
Paths to Michelle E. Soto
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Michelle E. Soto
BS in Commerce
Class of 1995
The University of Virginia (often abbreviated as UVA, UVa, or Virginia) is a public research university in Charlottesville, Virginia, United States. It was conceived and designed by U.S. President Thomas Jefferson, and established in 1819. UVA's initial Board of Visitors included former Presidents of the United States Thomas Jefferson, James Madison, and James Monroe. Monroe owned the initial site of the University, which was mostly farmland. His law office and farmhouse are now the site of Brown College at Monroe Hill, a residential college at UVA.
UVA is one of the eight original Public Ivy universities, and it is the only university campus in the United States that is designated a World Heritage Site by UNESCO. In the 2013 edition of U.S. News and World Report's National University Rankings, the school was listed as America's 2nd best public university; tied with UCLA and surpassed only by UC Berkeley.
Professional Sequence in Personal Financial Planning
Founded in 1891, UC Berkeley Extension is the continuing education branch of the University of California, Berkeley. Today, Extension offers more than 2,000 courses each year, including online courses, along with more than 75 professional certificates and specialized programs of study. UC Berkeley Extension enrollment in 2011–2012 was 35,179 (full-time equivalent [FTE] is calculated at a rate of 0.25 per enrollment). Free and low-cost public events are also frequently held as part of Extension's service to the local community.
Director of Financial Planning
2012 - Current
Bingham, Osborn & Scarborough's (BOS) investment approach starts with careful consideration of each client's financial goals, constraints, and risk tolerance. The firm then develops tailored investment strategies with the goals of generating competitive long-term returns and moderating risk. They prefer low-cost investment vehicles and emphasize an investment selection process that avoids conflicts-of-interest. BOS diversifies portfolios among major investment markets that may include: U.S. dollar cash instruments; high-quality short to intermediate term U.S. dollar bonds and notes; foreign bonds and notes; specialty U.S. common stocks such as technology and real estate; large company U.S. common stocks; small company U.S. common stocks; foreign stocks (including emerging markets); and commodities (including precious metals such as gold and silver).In general, when BOS recommends the purchase of securities, they recommend purchases of managed portfolios, such as mutual funds, ETFs, fixed/variable annuities, and separately managed accounts of individual stocks or bonds (e.g., Breckinridge Capital Advisers, SNW Asset Management, Aperio Group). BOS may recommend alternative investments, such as limited partnerships, private placements and hedge funds, although they are not the predominant portion of BOS-managed client portfolios.
Vice President-Wealth Management
2004 - 2012
Bailard's international strategy employs a quantitative, top-down approach with risk management applied at country, industry, stock and portfolio levels. It seeks to exploit an incremental edge across a broad investment horizon and can be applied to a variety of benchmarks along a full spectrum of markets ranging from developed to emerging to frontier. The strategy is structured to capitalize on opportunities offered by both growth/momentum and value styles.Bailard's large growth/technology strategy integrates a balance of fundamental analysis with rigorous risk management. The strategy seeks to identify US companies with superior and sustainable growth rates versus their peer group, favorable valuations relative to their own history and attractive relative momentum characteristics.The firm's small value strategy utilizes disciplined behavioral finance techniques to capitalize on equities which are temporarily mispriced due to investors’ over- or under-reactions. The strategy has a meaningful allocation to stocks with less than $500 million in market-cap which offer the benefits of being undiscovered and under-followed by Wall Street.Bailard's long/short REIT strategy seeks positive returns regardless of the equity markets general direction by using valuation fundamentals to actively select securities from the REIT sub-sector of the US financial industry. The strategy buys long securities Bailard feels are trading at a discount to their fair market value and sells short securities that are trading at a premium. It maintains a market neutral position and seeks to avoid exposure to universe specific factors such as property types. The firm's long-short equity strategies consider factors such as expected alpha, volatility and robustness through various market environments. These strategies in combination, or on a stand alone basis, seek to selectively engage risk in an effort to provide solid, long-term absolute returns.Bailard manages an open-ended private real estate fund (structured as a private REIT) that is offered on a private placement basis.The firm's emerging life sciences separate account strategy focuses on biotechnology, pharmaceutical, medical technology and medical service opportunities within the healthcare and life sciences sectors. It seeks to recreate an experience similar to venture capital investing through selective long-term investments in under-followed companies with less than $500 million in market-cap.
PricewaterhouseCoopers LLC provides assurance, tax and advisory services. Its services include audit and assurance, consulting, deals, human resources, legal, tax, and family business. The firm also offers accountability, risk management, structuring, mergers and acquisitions, and performance and process improvement. The company was founded in 1998 and is headquartered in Buffalo, NY.
Accenture began as the business and technology consulting division of accounting firm Arthur Andersen. The division's origins are in a 1953 feasibility study for General Electric. GE asked Arthur Andersen to automate payroll processing and manufacturing at GE's Appliance Park facility near Louisville, Kentucky. Arthur Andersen recommended installation of a UNIVAC I computer and printer, which resulted in the first commercially-owned computer installation in the United States in 1954. Joe Glickauf, an early pioneer of computer consulting, held a position as head of Arthur Andersen's administrative services division for 12 years.
In 1989, Arthur Andersen and Andersen Consulting became separate units of Andersen Worldwide Société Coopérative. Arthur Andersen increased its use of accounting services as a springboard to sign up clients for Andersen Consulting's more lucrative business.
Through the 1990s, there was increasing tension between Andersen Consulting and Arthur Andersen. Andersen Consulting was upset that it was paying Arthur Andersen up to 15% of its profits each year (a condition of the 1989 split was that the more profitable unit – AA or AC – paid the other this sum), while at the same time Arthur Andersen was competing with Andersen Consulting through its own newly established business consulting service line called Arthur Andersen Business Consulting. This dispute came to a head in 1998 when Andersen Consulting claimed breach of contract against Andersen Worldwide Société Coopérative (AWSC) and Arthur Andersen. Andersen Consulting put the 15% transfer payment for that year and future years into escrow and issued a claim for breach of contract. In August 2001, as a result of the conclusion of arbitration with the International Chamber of Commerce, Andersen Consulting broke all contractual ties with AWSC and Arthur Andersen. As part of the arbitration settlement, Andersen Consulting paid the sum held in escrow (then $1.2 billion) to Arthur Andersen, and was required to change its name, resulting in the entity being renamed Accenture.
Accounts vary on why the split occurred – executives on both sides of the split cite greed and arrogance on the part of the other side, and executives on the Andersen Consulting side maintained breach of contract when Arthur Andersen created a second consulting group, AABC (Arthur Andersen Business Consulting) that began to compete directly with Andersen Consulting in the marketplace. Many of the AABC firms were bought out by other consulting companies in 2002, most notably, Hitachi Consulting and KPMG Consulting, which later changed its name to BearingPoint.
Andersen Consulting's change of name proved to be fortuitous as it avoided damage to its reputation when Arthur Andersen was effectively dissolved as a result of its role in the later Enron scandal.
Accenture LLC provides financial and investment services. It is a global management consulting, technology services and outsourcing company. The company is headquartered in Chicago, IL.
Awards & Honors
Certified Divorce Financial Analyst
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