| Advisor Profile |
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Business Description |
Whether you're a big company or a small one, a new company or an old one, we help bring benefits to you and your employees. We'll match you to the best providers, whether its Fidelity for your retirement plan or BCBS for your health plan. We use the big providers and the small competative companies too. Good Benefits help your company compete for top quality employees and retain them longer. A good plan also reduces taxes for your company and your employees.
We offer:
401k and Retirement services
Health Plans
Life
STD/LTD
FSA and HSA
LTC
Legal Plans
College Plans
Executive Benefits |
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| Prepared By: |
Edward Morais RFP, RFC |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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| Q. |
What are your qualifications? What is your education background? |
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series S7, S65, S63,LIFE, ACC/HEALTH, LTC, RFP, RFC |
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| Q. |
What is your approach to financial planning? |
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Know clients risk level, expectations
Inventory of all clients assets and past performance according to objectives and risk. Develope a plan based on current and future market conditions with clients time horizon in mind.
monitor and make allocation and product changes based om market enviroment and new product evole. |
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| Q. |
What services do you offer? |
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All areas of financial planning:
INVESTMENT PLANNING
RISK PLANNING
RETIREMENT PLANNING
TAX PLANNING
ESTATE PLANNING
EDUCATION PLANNING |
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| Q. |
How many clients do you currently manage? |
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| Q. |
Will you be the only person working with me? |
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| Q. |
How are you compensated? How will I pay for your services? |
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fee base, commission, .50bp-1.50bp |
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| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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| Q. |
Do you offer any guaranteed results? |
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| Q. |
How much risk should I be willing to take? |
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Depends on your risk level and investment experience and knowledge of the markets |
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| Q. |
Have you ever been charged with any breaches? |
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| Q. |
What carrier(s) do you represent? |
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| Q. |
Are there any pre-existing conditions that you can not cover? |
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| Q. |
How long does it take to complete the application and approval process? |
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Is there a maximum age that you can insure? |
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| Q. |
What type of health plans do you offer? |
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| Q. |
What carrier(s) do you represent? |
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AETNA,BCBS,UNITED,PACIFIC,JOHN ALDEN,CELTIC,AND OTHERS |
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| Q. |
What services do you provide? What are your specialties? |
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MONEY MANAGEMENT AND COMPANY BENEFITS |
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| Q. |
What is your experience? How many clients do you currently manage? |
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FINANCIAL ADVISOR SINCE 1996, 83 |
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| Q. |
What financial institution(s) do you represent? |
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| Q. |
How do you charge for your services? |
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ASSET .50bp-1.50bp, COMMISSION OR FEE |
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| Q. |
Do you provide a free initial consultation? |
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| Q. |
Why should I choose you as my financial advisor? |
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NO PRESSURE TO SELL, HONESTY, KNOWLEDGE OF MARKETS, LOCAL, ONE ON ONE RELATIONSHIP, SERVICE. |
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| Q. |
What are your management fees? |
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What kind of plans do you specialize in? |
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401K, SIMPLE, SEPS, 412i, SOLO-K |
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| Q. |
Do you have a minimum requirement for number of employees or total investment value? |
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| Q. |
What type of plans do you offer? |
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| Q. |
Do you offer any additional services? |
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| Q. |
What are your qualifications? |
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series S7, S65, S63,LIFE, ACC/HEALTH, LTC, RFP, RFC |
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| Q. |
What is your approach to 401 K plan rollovers? |
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REDUCE FEES & MAXIMIZE RETURNS, ASSET CLASS & PRODUCT DIVERSIFICATION. |
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| Q. |
How long does the process of rolling over a 401K plan usually take? |
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| Q. |
What financial institutions do you represent? |
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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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| 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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NO PRESSURE TO SELL, HONESTY, KNOWLEDGE OF MARKETS, LOCAL, ONE ON ONE RELATIONSHIP, SERVICE.
USE NO LOADS, LOAD, ETFs, ANNUITIES, VUL |
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| Q. |
Do you provide a free initial consultation? |
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