Business Description
Mr. VanZant joined Life Transition Planners, a comprehensive Colorado-based financial planning practice, in 2004. He works with clients on all areas of financial planning with particular emphasis on retirement and investment planning issues. He offers sophisticated diversification strategies for client investment portfolios including strategic/long term asset allocation which considers a client’s objectives, timeframe and risk-tolerance; but also tactical and alternative investments utilized products offered through NFP Securities, Inc. This investment approach combining strategic, tactical and alternative investment styles has historically reduced portfolio losses versus a strategic-only approach in difficult markets including 2008-2009. Please note that past performance does not guarantee future results. ----------------------------------------------------------------------------------------------------- *Securities and Investment Advisory Services offered through Representatives of NFP Securities, Inc. a broker/dealer, Member FINRA/SIPC and Federally Registered Investment Adviser. NFP Securities, Inc. is not affiliated with Life Transition Planners, Inc.
General Information Gender:    Male CRD#:    4830929 Insurance License#:    246753 Name of Broker/Dealer:    NFP Securities, Inc. Name of Custodial Firm:    Charles Schwab & Co. States Licensed in:    CO, CA, OR, WA, MO, MI, OH, NC, GA, FL States Willing to do Business in:    CO, CA, OR, WA, MO, MI, OH, NC, GA, FL Years of Experience in Financial Services:    5 Number of Years with Current Firm:    5 Work Experience:    1975 - 1999 Business Owner (Software Industry) 2000 - 2002 Various Entrepreneurial Activities 2003 - 2004 Formal Financial Planning Education 2004 - 2009 Financial Planner for Life Transition Planners, Inc. I work with the following types of clients:    Individual Investors, Businesses
Education Academic Background   Northwestern University, B.A. Economics
Services Investment Types:    Real Estate, Alternative Investments, Options & Futures, Mutual Funds, Commodities, Insurance, Annuities, Stocks, Bonds
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Accredited Asset Management Specialist Securities Licenses:    Series 7, Series 65, Series 63 Insurance and Annuity Licenses:    Variable Life, Variable Annuity, Annuity, Life Financial Organization Memberships:    Financial Planning Association (FPA)
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes Firm's Number of Clients:    150 Firm's Number of Planning Clients:    100 Firm's Number of Managed Clients:    100 Assets Managed by Firm:    Yes Advisor's Number of Clients:    75 Advisor's Number of Managed Clients:    40 Advisor's Number of Planning Clients:    30 Assets Managed by Advisor:    $15,000,000
Compliance Registered Representative:    Yes Investment Advisor Representative:    Yes I am an acknowledged fiduciary:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-based financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $150,000 Compensation Methods:    Flat Fee, Commissions, Based on Assets Fee % Based on Assets:    1% Flat Fee Rate:    $1000 Additional Details on Charges:    Our combined fees for assets under management and our advisory services fee starts at 2% at $100,000. There is a decreasing combined fee depending on the assets being managed. Clients with $500,000 - $999,999 under management/advisement pay combined fees averaging .95 % annually Minimum Fee Charged for Managed Accounts:    $1000 Minimum Fee Charged for Flat Fee Accounts:    $1000
Prepared By:	Bob VanZant

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	Do you offer any guaranteed results?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

Q.	What are your qualifications?

Q.	What is your approach to 401 K plan rollovers?

Q.	How long does the process of rolling over a 401K plan usually take?

Q.	What financial institutions do you represent?

Q.	How many years of experience do you have?

Q.	What are your fees for this service?

Q.	How many 401K rollover clients do you currently manage?

Q.	Why should I roll over my 401K plan to your firm?

Q.	Do you provide a free initial consultation?

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Q.	Do you have a customer satisfaction or refund policy?
Clients are able to terminate their relationship at any time. Any fees billed in advance are refunded based on the date of termination.

Q.	What are your qualifications? What is your education background?
I am a certified financial planning practitioner, security licensed (Series 7, Series 63 and Series 66) and insurance licensed. I hold a B.A. degree in economics from Northwestern University, Evanston, IL.

Q.	What is your approach to financial planning?
I am a comprehensive financial planner with expertise in money management, insurance, retirement, tax and estate planning.

Q.	What services do you offer?
I am a comprehensive financial planner with expertise in money management, insurance, retirement, tax and estate planning.

Q.	How many clients do you currently manage?
Approximately 50.

Q.	Will you be the only person working with me?
Gary Sidder, Ph.D.,CFP® is available to assist my clients.

Q.	How are you compensated? How will I pay for your services?
I am a fee-based (versus commssion) planner. We are compensated based on an annual advisory typically $1,000 per year and a fee for assets under management (1% annually up to $500,000 and less for larger accounts.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Yes, always.

Q.	Do you offer any guaranteed results?
No, guarantees are not allowed based regulatory statutes.

Q.	How much risk should I be willing to take?
We carefully analyze a client's risk tolerance and invest funds accordingly.

Q.	Have you ever been charged with any breaches?
No

Q.	What services do you provide? What are your specialties?
I am a comprehensive financial planner with expertise in money management, insurance, retirement, tax and estate planning. My primary focus is investment and retirement planning.

Q.	What is your experience? How many clients do you currently manage?
I am a successful software entreprenneur who made a career change into this field in 2003.

Q.	What financial institution(s) do you represent?
I am a registered representative for NFP Securites, an independent broker/dealer based in Austin, Texas. We use a number of different custodians for client investment funds, Schwab Institutional being the primary one.

Q.	How do you charge for your services?
I am a fee-based (versus commssion) planner. We are compensated based on an annual advisory typically $1,000 per year and a fee for assets under management (1% annually up to $500,000 and less for larger accounts.

Q.	Do you provide a free initial consultation?
Yes.

Q.	Why should I choose you as my financial advisor?
As a certified financial planning practitioner, I have a fiduciary duty to always place my clients interests ahead of my own. I am very competent and enjoy assisting clients. My primary motivation is working successfully with clients, not my own financial interests.

Q.	What are your qualifications?
I have worked with many clients in rollover of funds from 401(k) plans.

Q.	What is your approach to 401 K plan rollovers?
Assist the client through the entire process. Invest funds according to a detailed investment plan that may include tactical and alternative investments as well as mutual funds.

Q.	How long does the process of rolling over a 401K plan usually take?
3 to 4 weeks. 401(k) custodians typically are the bottleneck.

Q.	What financial institutions do you represent?
I am a registered representative for NFP Securites, an independent broker/dealer based in Austin, Texas. We use a number of different custodians for client investment funds, Schwab Institutional being the primary one.

Q.	How many years of experience do you have?
5 years

Q.	What are your fees for this service?
1% annually for accounts up tp $500,000. Less for larger accounts.

Q.	How many 401K rollover clients do you currently manage?
Approximately 25.

Q.	Why should I roll over my 401K plan to your firm?
We have a variety of investments available including tactical and alternatives investments as well as thousands of mutual funds to select from at Schwab Institutional.

Q.	Do you provide a free initial consultation?
Yes.