| Advisor Profile |
|
 |
| Request More Information |
|
|
|
|
|
|
Business Description |
| Independent, Unbiased, Non Proprietary Financial Planning Consultation. Portfolio and Investment management. State Registered Investment Advisor. Securities Offered through Linsco Private Ledger Member NASD/SIPC
• Portfolio Review/asset allocation
• Fee based planning and investments
• Retirement planning/401k consultation
• Variable and fixed annuities -
• Municipal bonds -
• insurance and risk managment
Securties offered through Linsco Private Ledger Member NASD/SIPC.
|
|
| |
|
|
General Information |
|
|
|
|
| Name of Broker/Dealer: |
LPL FINANCIAL
|
|
| States Licensed in: |
NJ NY FL CT PA
|
|
| Years of Experience in Financial Services: |
18
|
|
| Number of Years with Current Firm: |
6
|
|
| I work with the following types of clients: |
Individual Investors, Businesses
|
|
| |
|
|
|
Services |
| Investment Types: |
Exchange Traded Funds (ETFs), Alternative Investments, Bonds, Mutual Funds, Annuities, Stocks, Socially Responsible Investments (SRI)
|
|
| |
|
Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Chartered Retirement Planning Counselor (CRPC®), Chartered Financial Consultant (ChFC®), Registered Financial Consultant (RFC)
|
|
| Securities Licenses: |
Series 9, Series 7, Series 8, Series 63, Series 65
|
|
| Insurance and Annuity Licenses: |
Long Term Care, Variable Annuity, Life, Annuity, Variable Life
|
|
| Financial Organization Memberships: |
Paladin Registry
|
|
| |
|
Firm Information |
| Number of Advisors in Office: |
10 - 99 employees
|
|
| |
|
Compliance |
| Registered Investment Advisor: |
Yes
|
|
| 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: |
Flat Fee, Hourly, Based on Assets
|
|
| |
|
| |
| |
| Prepared By: |
Richard Dragotta |
Frequently Asked Questions |
|
| Q. |
Do you have a customer satisfaction or refund policy? |
|
| Q. |
What are your qualifications? What is your education background? |
| |
15 years practicing previously with Merill Lynch and PaineWebber, I am a Chartered Retirement Planning Counselor designated by College of Financial Planning , Registered Investment Advisor in NJ. Principal liscense. Extended Financial planning courses. BA in Economics/Accounting |
|
| Q. |
What is your approach to financial planning? |
| |
Independent Comprehensive planning includes net worth, cash flow, education analysis, retirement analysis, estate planning and insurance assesment WITHOUT PRODUCT/INVESTMENT RECOMENDATIONS. Cash flow analysis, asset allocation, inflation projections, action plan ALL FOR A FLAT FEE |
|
| Q. |
What services do you offer? |
| |
Full service investment advice . Financial planning, Independent portfolio evaluation, asset allocation modeling, portfolio creation, implementation and management |
|
| 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? |
| |
Mostly, a flat fee for assets being managed. Flat fee for portfolio review or financial plan. Can offer al la carte commission for transactions |
|
| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
| |
yes, unless you are invested with a specific type of accounts |
|
| Q. |
Do you offer any guaranteed results? |
|
| Q. |
How much risk should I be willing to take? |
| |
A great question, How do you measure risk? |
|
| Q. |
Have you ever been charged with any breaches? |
|
| Q. |
What services do you provide? What are your specialties? |
| |
We offer full service brokerage and fee based accounts. Ou focus centers around financial planning and portfolio management mostly through mutual funds and third party institutional managers. We specialize in providing income and cash flow to our clients along with a well balanced investment portfolio |
|
| Q. |
What is your experience? How many clients do you currently manage? |
| |
16 years with two large brokerage firms as a manager and advisor. Our clients vary but are predominatley pre retiree or retired |
|
| Q. |
What financial institution(s) do you represent? |
| |
we are independent financial advisors with the flexibility of offering or advising on many services and products. Our Broker Dealer is Linsco Private Ledger Member NASD/SIPC |
|
| Q. |
How do you charge for your services? |
| |
flat fee, hourly, percentage of assets |
|
| Q. |
Do you provide a free initial consultation? |
|
| Q. |
Why should I choose you as my financial advisor? |
| |
experience, objectivity, competative fees |
|
|
|
