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Professional Background Cynthia D. Ebertz, CFP® is the Portfolio Manager for the PSA Diversified Managed Mutual Fund Program. Cynthia has over 20 years of management and finance experience. Prior to joining PSA, she worked as an Advisory Counselor for T. Rowe Price Advisory Services and assisted over 800 high net worth clients with asset allocation and distribution planning. Cynthia received her B.A. in Business Management from Michigan State University. Cynthia is also a graduate of the College for Financial Planning, obtaining the Certified Financial Planner TM (CFP®) designation, and currently holds the NASD Series 6, 63, 66, and 7 licenses, as well as Health and Life Insurance, and Variable Annuity licenses. She is an active member of the Financial Planning Association of Maryland, a frequent guest on PSA’s radio show Planning Pays, and has written several articles for various financial publications. Her areas of expertise are asset allocation, mutual fund analysis, accumulation, retirement and distribution planning. Investment Philosophy “No one can predict the future. If any investment professional tells you they can, run very far away. We do not try to control things which are out of our control, such as predicting what the market will do and when; this would be a loser’s game. We concentrate our efforts in areas where we have expertise and control, such as asset allocation (which accounts for over 90% of your investment return), risk assessment and adjustment, diversification, and detailed analysis and monitoring of investments. We maintain a long term outlook and are not swayed by temporary fluctuations in the market. This is the way to play a winners' game."
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