| Advisor Profile |
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Business Description |
| As an Independent Certified Financial Planner, my role is to advise my client as to their best course of action. I am not compensated for selling investments or insurance. My position in the industry allows my clients to buy investments and insurance without loads and agency commissions. I am paid to give thorough, educated advice. I prioritize consistent and frequent portfolio reviews. Maintaining a small firm allows me to retain a high degree of familiarity with all my clients. |
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General Information |
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| Years of Experience in Financial Services: |
13
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| Number of Years with Current Firm: |
8
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| I work with the following types of clients: |
Individual Investors
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Services |
| Investment Types: |
Mutual Funds, Insurance, Options & Futures, Alternative Investments, Annuities, Bonds, Stocks
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, Accredited Investment FiduciaryŽ (AIF)
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| Financial Organization Memberships: |
Financial Planning Association (FPA), Center for Fiduciary Studies, Paladin Registry
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| Non-Financial Organization Memberships: |
United Nations Association, World Affairs Council
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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| Advisor's Number of Clients: |
50
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| Assets Managed by Advisor: |
$12,000,000
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Compliance |
| Registered Investment Advisor: |
Yes
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| I am an acknowledged fiduciary: |
Yes
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| Compliance Disclosures in Last 5 years: |
I have a clean record
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| Criminal Disclosures in Last 5 years: |
I have a clean record
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Compensation & Fees |
| I am a fee-only financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
$100,000
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| Compensation Methods: |
Based on Assets, Flat Fee
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| Additional Details on Charges: |
I waive all commissions and loads on investment and insurance products. I am a fee-only advisor and charge my clients directly for the advice I provide. Investment management services are billed as a percentage of assets under management. This percentage ranges from 0.5% to 1.5%. Generally the comprehensive financial planning services I offer are covered by this fee. However, if more extensive financial planning is needed there may be an additional fee.
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| Prepared By: |
David Hoctor, CFP® |
Frequently Asked Questions |
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| Q. |
What are your qualifications? What is your education background? |
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Originally from Colorado, I moved to Texas to attend Trinity University in San Antonio on a full tuition scholarship. After completing a Theoretical Economics degree, I moved to Houston. I began my career with Morgan Stanley in 1995. After five successful years, I started my own firm. I completed the Certified Financial Planner course at Rice University. |
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What is your approach to financial planning? |
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I feel strongly that my business model remains the most ethical choice. As a private practice, and sole practitioner, I confine my clientele to maintain a high level of service and attention. I have time to research financial strategies customized to each client's particular needs. Immediately upon answering the phone or reviewing an account, I know a client's financial situation and goals. |
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| Q. |
What services do you offer? |
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I offer an initial consultation at no charge. During this meeting you can explain what you are looking for and we will determine the extent of our relationship. My expertise allows me to offer a wide range of service and advice. I specialize in Investment Management and Retirement Planning. I believe comprehensive financial planning is integral to sound investment management. |
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| Q. |
How many clients do you currently manage? |
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Will you be the only person working with me? |
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How are you compensated? How will I pay for your services? |
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I waive all commissions and loads on investment and insurance products. I am a fee-only advisor and charge my clients directly for the advice I provide. Investment management services are billed as a percentage of assets under management. This percentage ranges from 0.5% to 1.5%. Generally the comprehensive financial planning services I offer are covered by this fee. |
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| Q. |
Have you ever been charged with any breaches? |
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| Q. |
What services do you provide? What are your specialties? |
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I offer an initial consultation at no charge. During this meeting you can explain what you are looking for and we will determine the extent of our relationship. My expertise allows me to offer a wide range of service and advice. I specialize in Investment Management and Retirement Planning. I believe comprehensive financial planning is integral to sound investment management. |
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| Q. |
What is your experience? How many clients do you currently manage? |
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Originally from Colorado, I moved to Texas to attend Trinity University in San Antonio on a full tuition scholarship. After completing a Theoretical Economics degree, I moved to Houston. I began my career with Morgan Stanley in 1995. After five successful years, I started my own firm. I completed the Certified Financial Planner course at Rice University. I manage 35 clients. |
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| Q. |
What financial institution(s) do you represent? |
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I am completely independent. |
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| Q. |
How do you charge for your services? |
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I waive all commissions and loads on investment and insurance products. I am a fee-only advisor and charge my clients directly for the advice I provide. Investment management services are billed as a percentage of assets under management. This percentage ranges from 0.5% to 1.5%. Generally the comprehensive financial planning services I offer are covered by this fee. |
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| Q. |
Do you provide a free initial consultation? |
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Why should I choose you as my financial advisor? |
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I feel strongly that my business model remains the most ethical choice. As a private practice, and sole practitioner, I confine my clientele to maintain a high level of service and attention. I have time to research financial strategies customized to each client's particular needs. Immediately upon answering the phone or reviewing an account, I know a client's financial situation and goals. |
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| Q. |
What are your qualifications? |
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Originally from Colorado, I moved to Texas to attend Trinity University in San Antonio on a full tuition scholarship. After completing a Theoretical Economics degree, I moved to Houston. I began my career with Morgan Stanley in 1995. After five successful years, I started my own firm. I completed the Certified Financial Planner course at Rice University. |
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| Q. |
What is your approach to 401 K plan rollovers? |
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I offer an initial consultation at no charge. During this meeting you can explain what you are looking for and we will determine the extent of our relationship. My expertise allows me to offer a wide range of service and advice. I specialize in Investment Management and Retirement Planning. I believe comprehensive financial planning is integral to sound investment management. |
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| Q. |
How long does the process of rolling over a 401K plan usually take? |
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What financial institutions do you represent? |
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I am completely independent. |
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| Q. |
How many years of experience do you have? |
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| Q. |
What are your fees for this service? |
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I waive all commissions and loads on investment and insurance products. I am a fee-only advisor and charge my clients directly for the advice I provide. Investment management services are billed as a percentage of assets under management. This percentage ranges from 0.5% to 1.5%. Generally, the comprehensive financial planning services I offer are covered by this fee. |
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| Q. |
How many 401K rollover clients do you currently manage? |
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Why should I roll over my 401K plan to your firm? |
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I feel strongly that my business model remains the most ethical choice. As a private practice, and sole practitioner, I confine my clientele to maintain a high level of service and attention. I have time to research financial strategies customized to each client's particular needs. Immediately upon answering the phone or reviewing an account, I know a client's financial situation and goals. |
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| Q. |
Do you provide a free initial consultation? |
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