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Kevin Moravek is a registered representative of Lincoln Financial Advisors Corp.
Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer and registered investment advisor. Member SIPC. Insurance offered through Lincoln affiliates and other fine companies.
CRN200807-2018408 |
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Business Description |
| I provide quality advice to my clients in order to increase my clients' chances to reach their financial goals relative to retirement planning, college funding planning, insurance solutions and estate planning. |
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General Information |
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| Name of Broker/Dealer: |
Lincoln Financial Advisors Corp.
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| States Licensed in: |
CT, VA, NC, CA, CO, SC
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| Years of Experience in Financial Services: |
9
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| Number of Years with Current Firm: |
3
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Education |
| Academic Background |
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| BA, Political Science - Norwich University (1991) |
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Services |
| Investment Types: |
International Mutual Funds, Alternative Investments, Annuities, Stocks, Bonds
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Qualifications & Memberships |
| Securities Licenses: |
Series 7, Series 65, Series 63
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| Insurance and Annuity Licenses: |
Life, Health
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Firm Information |
| Number of Advisors in Office: |
Over 1000 employees
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| Firm's Number of Clients: |
10000
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| Advisor's Number of Clients: |
50
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| Assets Managed by Advisor: |
$20,000,000
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Compliance |
| 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: |
$250,000
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| Compensation Methods: |
Flat Fee, Commissions, Based on Assets
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| Additional Details on Charges: |
I work to my clients best advantage. Fee based planning is not appropriate for clients seeking accumulation. Commission based transactions are frequently not appropriate for planning fee based estate planning clients.
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| Minimum Fee Charged for Managed Accounts: |
$1,000
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| Prepared By: |
Kevin Moravek |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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We have a refund policy with regard to our fee for planning services. If you are not happy with the job we have done, you are refunded the planning fee. |
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| Q. |
What are your qualifications? What is your education background? |
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I have been in the financial plannign business for over 9 years. On staff, we have parthers with CFP's, Chartered Financial Analyst, MBA's and two with JD's (non-practicing) |
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What is your approach to financial planning? |
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We take a holistic approach to planning, from a global perspective and provide coordination between clients existing asvisors. |
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What services do you offer? |
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Financial planning, consulting, investment management and coordinated estate planning. We also work very well with business owners. |
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How many clients do you currently manage? |
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Active planinng clients of the firm are in the 500 range, with twice that number who have assets managed by us or financial products placed by our planning staff. |
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Will you be the only person working with me? |
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No. We take a coordinated approach with your planning. We have a very "deep bench" of professionals that seek to find gaps in the current planning and offer advise for improvement. |
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How are you compensated? How will I pay for your services? |
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We are paid by planning fees, asset management fees or comissions on products that are placed with our help. It is up to the client to decide. |
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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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Due to industry and company rules, we do not have trade discretion, nor do we seek it. We will always seek permission to buy or sell anything for you. |
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Do you offer any guaranteed results? |
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We can not offer guarenteed results on any equity investments. Nor should any othe advisor offer guarentees. |
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How much risk should I be willing to take? |
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It depends upon your goals, time frame and personality. We help you determine your tollarance for risk. |
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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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Any good one out there that we can have a relationship with. |
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Are there any pre-existing conditions that you can not cover? |
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It depends on underwriting. |
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How long does it take to complete the application and approval process? |
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three weeks to a month on average. |
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Is there a maximum age that you can insure? |
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What type of health plans do you offer? |
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Group Health insurance plans from the major carriers. |
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What carrier(s) do you represent? |
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All major carriers.
All major carriers. |
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What services do you provide? What are your specialties? |
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Financial advise for fees and we specialize in successfull business owner planning. |
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What is your experience? How many clients do you currently manage? |
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I personally have over 200 clients and plan to limit my practice to that or a smaller number in the future. |
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What financial institution(s) do you represent? |
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Lincoln Financial Advisors. |
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How do you charge for your services? |
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Depends on time and complexity of the case at hand. |
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Do you provide a free initial consultation? |
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No. The first few vists are free of charge. Only if the client chooses to do busienss with us and we can deliver significant value to we ask to "be hired" |
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Why should I choose you as my financial advisor? |
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You may not. Our mutual decision to work together depends on there being significant value to you, the client. We will work hard to determine if there is a good fit. |
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What are your qualifications and experience? |
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We are not Tax Advisors. However, we can help clients discover possible overpayment of taxes. |
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Will you come to our location? |
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What are your rates? |
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It depends on the time and complexity of the case at hand. The mutual decision has to be mutualy benificial to both parties. |
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What are your management fees? |
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Depends on the time and complexity of the case at hand. |
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What kind of plans do you specialize in? |
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Small business qualified retirement planning to include profit sharing. |
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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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We offer competitive plans in the 401(k), SEP, SIMPLE and Profit Sharing plans to our clients. |
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Do you offer any additional services? |
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We offer full financial planning servies to our business owners. |
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What are your qualifications? |
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BA from Norwich University, 1991 |
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What is your approach to Education Planning? |
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Depends upon the income level of the client. Higher income has different impact on college planning for children. |
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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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Depends on the client needs. |
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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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Depends on the needs and complexity of the case. |
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Why should I work with you on setting up an Education Plan? |
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You may not. It may not be in the clients best interest to use us. We will help the client make that determination. |
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Do you provide a free initial consultation? |
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What are your qualifications? |
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We manage many client 401(k) accounts that have been rolled over into IRA's. |
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What is your approach to 401 K plan rollovers? |
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We give all options to the client. |
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How long does the process of rolling over a 401K plan usually take? |
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