| Advisor Profile |
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| Disclaimer |
| Securities offered through LPL Financial, Memeber FINRA/SIPC |
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Business Description |
To help individuals accumulate, protect and distribute their assets prudently through a trusted relationship with a loyal and knowledgeable advisor.
We use a hands-on approach to lower risk while outperforming a traditional buy-and-hold approach. Our track record will confirm our claim. |
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General Information |
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| Insurance License#: |
Life, Health and Disability
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| Name of Broker/Dealer: |
LPL Financial
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| States Licensed in: |
AZ, CA, CO, GA, ID, MA, ND, OR, TX, WA
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| Years of Experience in Financial Services: |
19
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| Number of Years with Current Firm: |
6
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| Work Experience: |
I've been an independent financial advisor for over 19 years. Prior to my career help client achieve their fianancial goals I was employed by Blue Cross as a financial analyst.
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| I work with the following types of clients: |
Businesses, Non-Profit Organizations, Individual Investors, Investment Clubs
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Education |
| Academic Background |
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| BS, Finance - San Diego State University |
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Services |
| Investment Types: |
International Investments & Structured Products, Exchange Traded Funds (ETFs), Mortgages & Real Estate, Alternative Investments, Stocks, Mutual Funds, Insurance, Annuities, Bonds, Options & Futures, Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER (CFP®)
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| Securities Licenses: |
Series 24, Series 7, Series 63
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| Insurance and Annuity Licenses: |
Health, Long Term Care, Variable Life, Disability, Variable Annuity, Life
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| Financial Organization Memberships: |
Paladin Registry, Million Dollar Roundtable
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| Non-Financial Organization Memberships: |
Founder of Widows Haven and non-profit organization that provides financial assistance to widows
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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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| Firm's Number of Clients: |
120
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| Firm's Number of Planning Clients: |
65
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| Firm's Number of Managed Clients: |
25
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| Assets Managed by Firm: |
$53,000,000
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| Advisor's Number of Clients: |
120
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| Advisor's Number of Managed Clients: |
25
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| Advisor's Number of Planning Clients: |
65
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| Assets Managed by Advisor: |
$53,000,000
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Compliance |
| 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-based financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
$100,000
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| Compensation Methods: |
Hourly, Flat Fee, Commissions, Based on Assets
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| Fee % Based on Assets: |
1.0-1.75 %
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| Additional Details on Charges: |
Fee is determined by client goals and objectives and their choices of services from a menu of options
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| Minimum Fee Charged for Managed Accounts: |
1.25%
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| Minimum Fee Charged for Hourly Planning Accounts: |
$500
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| Minimum Fee Charged for Flat Fee Accounts: |
$500
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| Prepared By: |
David Wismer |
Frequently Asked Questions |
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| Q. |
What are your qualifications? What is your education background? |
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I hold my CFP designation and am a member of CFP Board of Standards. I a graduated from San Diego State University and obtained my Bachelor of Science Degree in 1988. I am also a 5 star memeber of the Paladin Registry of Advisors. |
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What is your approach to financial planning? |
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I believe individuals are best served by having a written financial plan to direct theirs paths. We offer planning on a modular and comprehensive basis. Our analysis includes investment, retirement, estate, tax and protection planning. The plan implementation is suggested based upon the plan details |
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What services do you offer? |
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We offer mutual funds, managed stock portfolios, 3rd party money managers, REITs, managed futures, structured products, annuities and life insurance to help our clients meet their objectives |
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How many clients do you currently manage? |
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We currently work with 120 client accounts |
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Will you be the only person working with me? |
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I am the primary contact and resource for financial advice but have a team of well-seasoned professionals to assist client when I'm unavailable |
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How are you compensated? How will I pay for your services? |
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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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We can establish the account management to suit your needs. Some clients want to know everything that goes on while other don't want to be bothered with the details as long as they meet their objectives. Either is accepatable to us. |
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Do you offer any guaranteed results? |
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We guarantee that we will work diligently to help you reach your financial goals and have systems in place to assure that the level of service we provide is second to none. |
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How much risk should I be willing to take? |
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We have models address a myraid of client needs. They range from conservative to aggressive and can be limited to mutual funds or can include alternative investments such as managed future or structured noted depending on a client's sophistication and risk tolerance |
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| Q. |
Have you ever been charged with any breaches? |
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What carrier(s) do you represent? |
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Transamerica, Nationwide, Principal, John Hancock, Pacific Life, Lincoln Financial, ING, AIG, Allianz ................ and many many more |
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Are there any pre-existing conditions that you can not cover? |
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That is determined on an individual basis by the carrier |
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How long does it take to complete the application and approval process? |
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Generally 2-4 weeks if the paperwork is in good order |
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Is there a maximum age that you can insure? |
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That is determined on an individual basis by the carrier |
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What services do you provide? What are your specialties? |
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Retirement, Investment, Estate, Tax and Protection planning |
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What is your experience? How many clients do you currently manage? |
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We manage of 120 client accounts. |
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What financial institution(s) do you represent? |
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I am an independent advisor and not subject to proprietary products. My broker/dealer is LPL Financial - 12 year consecutive recipient of the independent broker/dealer of the year award |
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How do you charge for your services? |
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I charge based on assets under management |
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Do you provide a free initial consultation? |
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Yes....this is agreat time to interview each other and evaluate if we can work together. |
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Why should I choose you as my financial advisor? |
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Our firm takes painstaking efforts to make sure that your experience with us is second to none. This not only involves the financial aspects of planning but deals with those variables that help you live a fulfilled life. We are very personally connected to our clients and their families |
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What are your management fees? |
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They range from 30 bps to 150bps depending on the services required |
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What kind of plans do you specialize in? |
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401(k), SIMPLE, SEP and the new Single K plan |
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Do you have a minimum requirement for number of employees or total investment value? |
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What type of plans do you offer? |
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401(k), SIMPLE, SEP and the new Single K plan |
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Do you offer any additional services? |
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Our services are comprehensive |
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What are your qualifications? |
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CFP - degree in finance - 19 years of experience as an independent advisor |
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What is your approach to Education Planning? |
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Tax efficiency for clients with flexibility should children not attend school as planned |
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How long does the process of setting up an Education Plan usually take? |
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1 week if the paperwork is in good order |
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What financial institutions do you represent? |
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MFS, American Funds, T Rowe Price, Van Kampen, John Hancock, Columbia, Putnam, Oppenheimer and many many more |
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How many years of experience do you have? |
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19 years of active experience as an advisor |
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What are your fees for this service? |
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30 bps to 175 bps depending on client needs and expectations |
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| Q. |
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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Our firm takes painstaking efforts to make sure that your experience with us is second to none. This not only involves the financial aspects of planning but deals with those variables that help you live a fulfilled life. We are very personally connected to our clients and their families |
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Do you provide a free initial consultation? |
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Yes....this is a great time to interview each other and evaluate if we can work together. |
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What are your qualifications? |
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I hold my CFP designation and am a member of CFP Board of Standards. I a graduated from San Diego State University and obtained my Bachelor of Science Degree in 1988. I am also a 5 star memeber of the Paladin Registry of Advisors. |
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| Q. |
What is your approach to 401 K plan rollovers? |
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Planning first, product as a means to reack your financial objectives |
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How long does the process of rolling over a 401K plan usually take? |
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2-4 weeks if the paperwork is in good order |
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What financial institutions do you represent? |
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MFS, American Funds, T Rowe Price, Van Kampen, John Hancock, Columbia, Putnam, Oppenheimer and many many more |
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How many years of experience do you have? |
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19 years of active experience as an advisor |
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What are your fees for this service? |
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30 bps to 175 bps depending on client needs and expectations |
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| Q. |
How many 401K rollover clients do you currently manage? |
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75 401(k) rollover clients |
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Why should I roll over my 401K plan to your firm? |
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Our firm takes painstaking efforts to make sure that your experience with us is second to none. This not only involves the financial aspects of planning but deals with those variables that help you live a fulfilled life. We are very personally connected to our clients and their families |
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Do you provide a free initial consultation? |
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Yes....this is a great time to interview each other and evaluate if we can work together. |
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