| Advisor Profile |
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Business Description |
| You deserve personal attention and independent, unbiased investment advice. You always come first: the focus is on your goals & your financial security. No proprietary products, no minimums, and no pressure. Gain access to a complete range of investment opportunities and services, including some usually reserved only for institutional and high net worth investors. We find the best deals for you and you choose - any insurance or investment company, initial public offerings,structured products, tax-free and retirement portfolios, customized Life, Long-Term Care, Disability insurance; Annuities; Bonds, CDs, Stocks, over 8000 Mutual funds;Real Estate Investment Trusts; Unit Investment Trusts; Exchange Traded Funds; Mineral, Oil & Gas Master Limited Partnerships; Cash Management: checking, credit cards, automated investment plans, retirement paychecks, online account access; Tax-Advantaged Retirement Plans for companies, individuals, & the self-employed; Education Savings and 529 plans. Your assets are held with National Financial Services. As a part of Fidelity, NFS leverages the resources & experience of one of the world?s largest financial services companies. Our guiding values: quality, security, integrity, and service. |
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General Information |
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| Insurance License#: |
E031220
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| Name of Broker/Dealer: |
PKS INVESTMENTS
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| Name of Custodial Firm: |
NATIONAL FINANCIAL SERVICES, FIDELITY INVESTMENTS
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| States Licensed in: |
NY,NJ,PA,VA,CO,TN,IL,FL
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| States Willing to do Business in: |
NY,NJ,PA,VA,CO,TN,IL,FL
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| Years of Experience in Financial Services: |
9
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| Number of Years with Current Firm: |
6
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| I work with the following types of clients: |
Businesses, Individual Investors, Non-Profit Organizations, Investment Clubs
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Education |
| Academic Background |
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BA - Columbia University
PhD - Columbia University
MBA - Nova Southeastern University |
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Services |
| Investment Types: |
Real Estate, Bonds, Stocks, Annuities, Insurance, Commodities, Mutual Funds, FOREX & Currency, Options & Futures, Exchange Traded Funds (ETFs), Mortgages & Real Estate, Alternative Investments, Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Doctoral Degree
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| Securities Licenses: |
Series 7, Series 24, Series 31, Series 66
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| Insurance and Annuity Licenses: |
Annuity, Disability, Variable Life, Long Term Care, Variable Annuity, Health, Life, HMO
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Firm Information |
| Number of Advisors in Office: |
100 - 999 employees
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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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| 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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| I am a fee-based 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, Hourly, Flat Fee
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| Additional Details on Charges: |
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| Prepared By: |
Jane Zucker |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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Initial consultation is private, confidential and there is no charge. We need to find out if we can be of service to you, and we both need to feel comfortable about working together. |
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What are your qualifications? What is your education background? |
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Series 7 NASD
Series 66 NASD
Series 24 NASD
Life, Health and Variable Annuities Florida
PhD, Columbia University
MBA, Nova Southeastern University |
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What is your approach to financial planning? |
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Each person is an individual - there is no "one-size-fits-all." Your needs always come first. My job to listen, and to make sure that you pursue your goals with the minimum risk and maximum reward. |
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What services do you offer? |
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Financial planning for retirement, college savings, portfolio management, insurance.Stocks, Bonds, Real Estate Investment Trusts, Mutual Funds, Exchange Traded Funds, Limited Partnerships, Tax-Free Investments, Annuites, Business Retirement Plans, IRA Accounts, 401k Accounts, Preferred Stocks, IPOs, Structured Investments, Index-Linked CDs, Certificates of Deposit. |
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How many clients do you currently manage? |
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Over 100 individuals, trusts, and corporations |
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| Q. |
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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We offer a wide variety of investment alternatives (stocks, ETFs, bonds, investment trusts, structured products, annuities, insurance, mutual funds, etc for retirement and non-retirement accounts) and charges will depend on what is appropriate for you. You will obtain a full schedule of any fees/charges that apply to your account in writing at the first meeting. |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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I do not make any changes whatsoever without permission. |
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Do you offer any guaranteed results? |
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The only guaranteed investments are those explicitly backed by insurance contracts (insurance, annuities), or by government or corporate entities (bonds, CDs, prinicipal protected notes, etc).Financial strength of the backers is key. We insist that clients read the prospectus, understand the risks, and provide clients with third-party reports,ratings and investment research. |
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How much risk should I be willing to take? |
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Each person has a different risk tolerance. It depends on their age, personality, financial resources, family obligations, health and other factors. Contact us for a risk-tolerance questionnaire or lets have a conversation on your specific situation. |
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Have you ever been charged with any breaches? |
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What carrier(s) do you represent? |
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Banner, Genworth, John Hancock, Lincoln Benefit Life, Lloyds of London, Prudential, Metlife, United of Omaha, West Coast Life, Pacific Life, AXA, Hartford, AIG, etc. Completely independent, will compare coverages and find the best deal for clients. |
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Are there any pre-existing conditions that you can not cover? |
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No. In fact, you may be eligible for discounts in certain products. |
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How long does it take to complete the application and approval process? |
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Can be done in 7 to 10 days. |
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Is there a maximum age that you can insure? |
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No--In fact, you may be eligible for discounts in certain products. |
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What services do you provide? What are your specialties? |
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Early Retirement Planning; Income-Producing Retirement Portfolios; Portfolio Management; College Planning; Asset Allocation; Budget and Net Worth Analysis; Risk Management: Life Insurance, Disability Insurance, Long Term Care Insurance. Annuities. Stocks. Bonds. Mutual Funds. Limited Partnerships. Exchange Traded Funds. Real Estate Investment Trusts. 1035 Exchange. |
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What is your experience? How many clients do you currently manage? |
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I have been managing investment portfolios for over twenty years. Over 100 accounts for individuals, trusts and businesses. |
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What financial institution(s) do you represent? |
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I am completely independent and not beholden to any one company -- we are free to choose any mutual fund company, any stock, any insurance company, any annuity, based on what is best for you. |
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How do you charge for your services? |
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We offer a wide variety of investment alternatives (stocks, ETFs, bonds, investment trusts, structured products, annuities, insurance, mutual funds, etc for retirement and non-retirement accounts) and charges will depend on what is appropriate for you. You will obtain a full schedule of any fees/charges that would apply to your account in writing at the first meeting. |
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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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You want your needs to come first, always. You want caring, personal attention. You want a wider choice of investments. You want unbiased, independent advice. You are committed to the best financial future for yourself and your family. |
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What are your qualifications? |
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I have over 20 years experience in helping people make successful career transitions, whether it is to retirement or to a brand new venture. I know how to select investments that provide secure, predictable income, and I can save you from making costly tax mistakes. |
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What is your approach to 401 K plan rollovers? |
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We start with your basic needs for income and immediate expenses, and create an individual plan that is appropriate for you. Do you need income now? Income later? |
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How long does the process of rolling over a 401K plan usually take? |
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It can be from 10 days to 30 days, depending on where you are coming from. Some government plans have extra restrictions. We are experienced with rolling from plans of Federal, State, County, City, School System and Hospital employees (TSA, FRS, NACO, Nationwide, DROP, ICMA),403b, 457, deferred comp , as well as businesses large and small. |
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What financial institutions do you represent? |
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I am completely independent and not beholden to any one company -- we are free to choose any mutual fund company, any stock, any insurance company, any annuity, based on what is best for you. |
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| Q. |
How many years of experience do you have? |
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What are your fees for this service? |
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We offer a wide variety of investment alternatives (stocks, bonds, investment trusts, structured products, annuities, insurance, mutual funds, etc). Charges depend on what is appropriate for you. You will obtain a full schedule of any fees/charges that would apply to your account in writing at the first meeting. You may also be eligible for group,business or family discount. |
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How many 401K rollover clients do you currently manage? |
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Over 50 successful rollovers from 401ks, 457, 403b, deferred compensation and other retirement plans from companies, School System, City, State and Federal Government plans such as TSA FRS NACO Nationwide ICMA T Rowe Price etc |
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Why should I roll over my 401K plan to your firm? |
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We are experienced, we provide full education and counseling, you can take your time and choose from the alternatives that suit you best, and you will receive a detailed year-by-year plan that provides you with steady, secure income plus inflation adjustment plus allowances for trips, special gifts, vacation home, boat, farm, remodeling, new car ... ask my clients! |
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Do you provide a free initial consultation? |
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