Business Description
Ralph Orr is a financial consultant and Certified Financial Planner TM practitioner. Ralph is a registered representative and investment adviser representative who offers securities products and investment advisory services through AXA Advisors, LLC, member FINRA/SIPC. Annuity and insurance products offered through AXA Network Insurance Agency, LLC and its affiliates. Individuals may transact business and/or respond to inquiries only in states in which they are properly qualified. Ralph Orr is licensed to transact insurance business in the following states: California (0C83185), New Mexico (150818-9/24/2005),Ohio (556170)and Texas(1429190); and is registered to offer securities products in the following states, California and Ohio; and is authorized to offer investment advisory services in California and Ohio. AXA Advisors, its affiliates, and representatives do not provide tax or legal advice.
General Information Gender:    Male CRD#:    4118415 Firm CRD#:    6627 SEC File#:    801-14065 Insurance License#:    0C83185 Name of Broker/Dealer:    AXA Advisors, LLC Name of Custodial Firm:    LPL Financial States Licensed in:    CA, OH, TX States Willing to do Business in:    CA, OH, TX Years of Experience in Financial Services:    8 Number of Years with Current Firm:    8 Work Experience:    Prior to becoming a financial advisor: nineteen years as a pastor, then six years as a denominational leader and educator of pastors. I work with the following types of clients:    Individual Investors, Businesses Foreign Languages Serviced:    Partner with Chinese and Spanish speaking associates
Education Academic Background   MAR - Azusa Pacific University
Services Investment Types:    Insurance, Annuities, Stocks, Mutual Funds, Exchange Traded Funds (ETFs), Bonds
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant Securities Licenses:    Series 7, Series 66 Insurance and Annuity Licenses:    Variable Annuity, Life, Annuity, Disability, Variable Life, Long Term Care Financial Organization Memberships:    Financial Planning Association (FPA) Non-Financial Organization Memberships:    The Rotary Club of Arcadia, California
Firm Information Number of Advisors in Office:    10 - 99 employees
Compliance Registered Representative:    Yes Investment Advisor Representative:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-based financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $100,000 Compensation Methods:    Based on Assets, Commissions, Hourly
Prepared By:	Ralph Orr, CFP®
Most Recent Update:	10/02/2008

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	Do you offer any guaranteed results?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What carrier(s) do you represent?

Q.	Are there any pre-existing conditions that you can not cover?

Q.	How long does it take to complete the application and approval process?

Q.	Is there a maximum age that you can insure?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

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Q.	Do you have a customer satisfaction or refund policy?
Yes. All fee-based financial plans come with a full refund policy.

Q.	What are your qualifications? What is your education background?
I am a Certified Financial Planner (r) professional, and have my Series 7 and 66 securities licenses, and my life and health insurance licenses (CA license 0C83185). I have a Masters Degree from Azusa Pacific University.

Q.	What is your approach to financial planning?
After determining the appropriateness of a formal financial plan, I follow the approach of the Certified Financial Planner Board of Standards: i.e., define the client relationship; gather client data; analyze and evaluate the client's financial status; develope and present financial planning recommendations, then should the client wish, implement and monitor my recommendations.

Q.	What services do you offer?
I offer fee-based financial planning (either comprehensive or focused in scope) and insurance and investment services.

Q.	How many clients do you currently manage?
On the investment side, less than fifty active clients, out of several hundred clients. Planning does not always lead to an active investment relationship. Done properly, there is much more to financial planning than investments.

Q.	Will you be the only person working with me?
Generally yes. However, that will depend on the nature of our relationship. In creating plans, our nationial planning center provides both quality control and planning advise. Further, input from your CPA and attorneys are always appreciated. In implementing plans, I may find wise to bring in specialists in areas in which I lack expertise.

Q.	How are you compensated? How will I pay for your services?
Depending on the service I am compensaved by either fees and/or commissions, and of course by referrals from satisfied clients.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Yes. In general, we do not permit our associates to have discretion.

Q.	Do you offer any guaranteed results?
No. However, I can offer financial products that offer insured guarantees. Those guarantees are backed by the financial firms that create such products.

Q.	How much risk should I be willing to take?
Without knowing you, I cannot say. Some of my clients need to be very conservative, others much more aggressive. I will be able to answer your question once I get to know you.

Q.	Have you ever been charged with any breaches?
No. I have a clean record. If you wish, check with all regulatory agencies.

Q.	What carrier(s) do you represent?
AXA Equitable, MassMutual, Prudential, John Hancock, First Colony, Banner, Empire General, ManuLife, North American Company for Life and Health and others.

Q.	Are there any pre-existing conditions that you can not cover?
I cannot obtain coverage for anyone who has a terminal illness or who, for health reasons, can only be insured under an individual guaranteed-issue policy (second-to-die policies excepted). Nor can I obatin insurance for those who lack a proper tax identification number and ID.

Q.	How long does it take to complete the application and approval process?
Often, temporary and conditional coveage can begin shortly after the appliation is cmopleted. Generally, it can take two to three months to issue a policy. One key factor will be how long it takes your health care providers to release your medical records.

Q.	Is there a maximum age that you can insure?
Depending on the insurance provider, the maximum age could be 80 or 85.

Q.	What services do you provide? What are your specialties?
I offer fee-based financial planning, and investment and insurance services for personal and business needs. I specialize in basic investment accounts, and comprehensive insurance strategies that utilize life and disability insurance.

Q.	What is your experience? How many clients do you currently manage?
I am Certified Financial Planner (r) professional (CFP), with nearly five years experience helping people build their financial futures. I have many more years as an investor. Prior to my career change, I had twenty-five years as a counselor and educator. My client base is in the hundreds, but those with whom I actively work are less than fifty.

Q.	What financial institution(s) do you represent?
I am an investment advisor representative (IAR) of AXA Advisors, LLC, a national financial planning and investment advisory firm. For seperately managed accounts we have referal relationships with third parties. I also represent AXA Network, an insurance broker affiliate.

Q.	How do you charge for your services?
My compensation depends on the relationship. Compensation can be in the form of fees and/or commissions, and of course referrals.

Q.	Do you provide a free initial consultation?
Yes, my initial consulation is free. To schedule your complementary consultation, telephone me at 323-881-2006.

Q.	Why should I choose you as my financial advisor?
Based on my life experiences, I have developed a zeal to help my clients secure their financial futures while building their financial legacies. I believe that money is not an end in itself, but a means to a greater end. I help my clients use their money in ways that are meaningful and can give added purpose to their lives.