| Advisor Profile |
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Business Description |
As an Independant Certified Financial Planner we provide the highest quality financial advisory service to clients. We build successful relationships with clients that are based on trust, open communication and integrity.
Every client has unique needs and we provide advice to them on their financial needs for both the present and for the future.
We work with people of all incomes and ages and balance their needs to achieve their financial goals.
We specialize in Individual and Corporate retirement Planning, College Funding, Capital Management and Long Term Care.
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General Information |
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| Name of Broker/Dealer: |
AXA-Advisors, LLC
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| Name of Custodial Firm: |
LPL/Linsco Private Ledger
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| States Licensed in: |
MD, DC, VA, HI, PA, NY, GA
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| States Willing to do Business in: |
All States
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| Years of Experience in Financial Services: |
30
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| Number of Years with Current Firm: |
22
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| Work Experience: |
For over 30 years I have worked with clients to help them to meet their financial goals.
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| I work with the following types of clients: |
Non-Profit Organizations, Individual Investors, Businesses
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| Foreign Languages Serviced: |
Dutch
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Education |
| Academic Background |
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| Accounting/Finance/Tax |
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Services |
| Investment Types: |
Real Estate, Insurance, Bonds, Stocks, Annuities, Commodities, Mutual Funds, Options & Futures, Alternative Investments, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant
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| Securities Licenses: |
Series 6, Series 7, Series 63, Series 65, Series 66
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| Insurance and Annuity Licenses: |
Variable Annuity, Long Term Care, Variable Life, Disability, Life, Annuity, Health, HMO
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| Financial Organization Memberships: |
Financial Planning Association (FPA)
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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| I work with clients as part of a team: |
Yes
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| Advisor's Number of Clients: |
350
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| Advisor's Number of Managed Clients: |
100
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| Advisor's Number of Planning Clients: |
100
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| Assets Managed by Advisor: |
$45,000,000
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Compliance |
| Registered Investment Advisor: |
Yes
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| Registered Representative: |
Yes
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| Investment Advisor Representative: |
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-based financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
$50,000
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| Compensation Methods: |
Hourly, Commissions, Based on Assets
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| Prepared By: |
Basil Herzstein, CFP® |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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What are your qualifications? What is your education background? |
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I am a Certified Finanacial Planner, CFP with over 35 years of experience |
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What is your approach to financial planning? |
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Comprehensive review, discussion and evaluation with the client as to what their, current situation is, what goals and needs are and then we proceed to implement the plan. The plan is then evaluated on a regular basis and adjustments are made as needed. |
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| Q. |
What services do you offer? |
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Comprehensive Financial Planning, Tax Preparation and Planning, Estate Planning, Investments, Insurance, Long Term Care and general financial advice and 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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Yes, but I do have staff who assist me. |
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| Q. |
How are you compensated? How will I pay for your services? |
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Fees or commission which ever is lower |
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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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That depends on what agreement we have, and what is appropriate for your individual situation |
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Do you offer any guaranteed results? |
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NO, it is against the law. |
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| Q. |
How much risk should I be willing to take? |
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That depends on your risk tolerance. |
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Have you ever been charged with any breaches? |
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| Q. |
What carrier(s) do you represent? |
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Many, but I stick with the large carriers, such as AXA-Equitable, Prudential, John Hancock and Metlife |
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Are there any pre-existing conditions that you can not cover? |
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Every client has a diferent situation that has to be dealt with individually. |
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How long does it take to complete the application and approval process? |
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Every client has a differnt time line and need, but we aim to make it as smooth and quick as possible |
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| Q. |
Is there a maximum age that you can insure? |
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| Q. |
What services do you provide? What are your specialties? |
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Comrehensive Financial Planning, Tax Preparation and Planning, Investments, Insurance, Estate Planning,Life Insurance, Long Term Care |
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| Q. |
What is your experience? How many clients do you currently manage? |
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Over 35 years of experience and have approximately 225 cleints |
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What financial institution(s) do you represent? |
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All the major institutions. |
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How do you charge for your services? |
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Fees or commission which ever is lower. |
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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 have practising as a sucessful Financial Advisor for over 35 years and know what I am doing |
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What are your qualifications and experience? |
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I am trained as accountant and have been doing taxes for 35 years, I am also a Certified Financial Planner |
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Will you come to our location? |
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Most clients come to our office, although for initial corporate consultaions we sometimes go to them. |
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What are your rates? |
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The vary according to the amount of time and what has to be done. |
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Why should we choose you for our tax needs? |
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We have been doing taxes for over 35 years and know what we have to do to solve our clients tax needs |
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| Q. |
What are your qualifications and experience? |
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I am trained as accountant and have been doing taxes for 35 years, I am also a Certified Financial Planner |
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Will you come to my location? |
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Clients come to our office. |
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What are your rates? |
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The vary according to the amount of time and what has to be done |
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Why should I choose you for my tax needs? |
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We have been doing taxes for over 35 years and know what we have to do to solve our clients tax needs |
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What are your management fees? |
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It is paid by the provider or carrier |
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| Q. |
What kind of plans do you specialize in? |
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All 401K plans are similar in concept, the individual customization is what makes each client unique. |
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Do you have a minimum requirement for number of employees or total investment value? |
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Depends on all the issues |
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What type of plans do you offer? |
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All kinds of retirement plans, from SEPS to 401K plans, to Cash Balance Plans, to Top Heavy Plans |
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Do you offer any additional services? |
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We offer Comprehensive Financial PlanningComrehensive Financial Planning, Tax Preparation and Planning, Investments, Insurance, Estate Planning,Life Insurance, Long Term Care |
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| Q. |
What are your qualifications? |
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I am a Certified Finanacial Planner, CFP with over 35 years of experience |
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What is your approach to Education Planning? |
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Comprehensive review of the needs of the family and then impement it |
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How long does the process of setting up an Education Plan usually take? |
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What financial institutions do you represent? |
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How many years of experience do you have? |
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What are your fees for this service? |
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The provider pays the fees |
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How many Education Planning clients do you currently manage? |
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Why should I work with you on setting up an Education Plan? |
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We have been doing it for over 35 years |
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Do you provide a free initial consultation? |
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What are your qualifications? |
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I am a Certified Finanacial Planner, CFP with over 35 years of experience |
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| Q. |
What is your approach to 401 K plan rollovers? |
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Comprehensive discussion and evaluation with the client as to what their, current situation is, what goals and needs are and then we proceed to implement the plan. The plan is then evaluated on a regular basis and adjustments are made as needed. |
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How long does the process of rolling over a 401K plan usually take? |
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Once we agree on the plan, 15 minutes |
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What financial institutions do you represent? |
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All the major institutions |
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How many years of experience do you have? |
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What are your fees for this service? |
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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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Because we have been working in this area for over 35 years |
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Do you provide a free initial consultation? |
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