Every organization has its own character, and a smaller personal service firm is in particular molded by the experience and aspirations of its founders. George de Garmo and Michael F. Kelleher had backgrounds with much in common when they established de Garmo & Kelleher in 1990. Each had at the time more than 20 years of investment management experience as well as earlier training for the profession. They had worked together since 1984 at a similar firm known for the quality and dedication of its staff and the loyal response of its clients. Subsequently, de Garmo & Kelleher has grown in depth of talent and assets under management. A merger in 2004 into BB&T Asset Management, Inc. enhanced the firm's resources as it builds for the future while preserving these historic commitments:

         TO OUR CLIENTS —  provide attentive, experienced, and personalized management of investment portfolios assist clients in addressing investment concerns and financial decisions of all types  place at all times our clients' best interests above any possible conflict with our own attract other professionals with integrity and talent to maintain client service and to ensure the continuity of the firm’s efforts grow at a controlled pace to guard clients' interests

         TO THE FIRM AND EMPLOYEES  — maintain a working environment that encourages the growth of all staff members, recognizing that each one is vital in creating and maintaining the highest quality of service and client satisfaction resolve to share fairly the financial rewards of the firm's success with all staff

         TO ALL —  adhere to the highest ethical standards of conduct in relations with clients, employees, professional colleagues, and the public

         We welcome the opportunity to discuss with you your own investment counseling needs.