| Advisor Profile |
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Business Description |
| Helping people reach their goals and improve their financial outcome is our mission. To do that, we need to get to know you well and truly understand your loves, fears, likes, desires, dislikes, goals, etc. In order to work towards improving your outcome you'll need a proven, systematic, measurable process that is easy to implement and maintain. We also realize that financial decisions are only a part of the process, the psychological, emotional and societal aspects of a situation are sometimes equally if not more imporant than the financial aspects. We've been entrusted to help hundreds of families, businesses, charities and pension funds work towards reaching their goals and improving their outcomes - truly an honor and a responsibility we do not take lightly - we treat client situations and assets as if they are our own. We can help you protect and preserve what you have today as well as watch out for your future - helping you avoid potential problems decades down the road. The forethought we put into the process is something many people don't appreciate for years or decades until they realize how important a decision years ago is in their life today. We have a proven process using our proprietary financial modeling system to allow you to see complex financial topics in a simple graphic form. Once you see it, it becomes very easy to make decisions that once seemed tough or impossible. |
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General Information |
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| Name of Broker/Dealer: |
Cambridge Investment Research
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| Name of Custodial Firm: |
Fidelity
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| States Licensed in: |
CT, NY, MA, FL, NH, VT, ME, NC, SC, WA, CA, OH, RI, WV, NC, AZ, KY, UT, OR, VA, MI
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| States Willing to do Business in: |
CT, NY, MA, FL, NH, VT, ME, NC, WA, CA, OH, RI, WV, NC, AZ, KY, UT, OR, VA, MI
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| Years of Experience in Financial Services: |
15
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| Number of Years with Current Firm: |
15
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| I work with the following types of clients: |
Businesses, towns, Non-Profit Organizations, Individual Investors
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Education |
| Academic Background |
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| College of Fincancial Planning, UCONN, Waterbury State Technical College |
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Services |
| Investment Types: |
Bonds, Alternative Investments, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Stocks, Annuities, Commodities, Mutual Funds, FOREX & Currency, Options & Futures, Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, CERTIFIED FINANCIAL PLANNER (CFP®), Certified Investment Management Analyst (CIMA®), Certified in Long-Term Care (CLTC), Certified Senior Advisor (CSA)®, Chartered Life Underwriter (CLU®)
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| Securities Licenses: |
Series 66, Series 65, Series 63, Series 55, Series 24, Series 22, Series 7, Series 6
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| Insurance and Annuity Licenses: |
Life
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| Financial Organization Memberships: |
Society of Financial Services Professionals, Financial Planning Association (FPA), Paladin Registry
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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: |
700
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| Assets Managed by Firm: |
$150,000,000
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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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| 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 |
| Fee Structure: |
I am a fee-based financial professional
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| Minimum Portfolio Size for New Managed Accounts: |
$100,000
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| Compensation Methods: |
Flat Fee, Based on Assets, Hourly
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| Fee % Based on Assets: |
0.5%-1.5%
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| Additional Details on Charges: |
Annual retainer available. Annual fee as a % of assets under management is on a sliding scale from 0.5% to 1.5% depeninding on how much you've entrusted with us.
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| Minimum Fee Charged for Managed Accounts: |
$none
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| Minimum Fee Charged for Hourly Planning Accounts: |
$none
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| Minimum Fee Charged for Flat Fee Accounts: |
$none
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| Prepared By: |
Michael Chadwick |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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We want all clients to be 100% satisfied. |
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What are your qualifications? What is your education background? |
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CFP, CLU, ChFC, BGS UCONN, AS Waterbury State Technical College |
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What is your approach to financial planning? |
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Holistic, finances are a part of a bigger picture for a persons overall well being. |
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What services do you offer? |
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Fee based financial advice, fee based asset management. |
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How many clients do you currently manage? |
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Will you be the only person working with me? |
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That is up to you, you can work with me or a staff member or any combination thereof, it's your choice. |
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How are you compensated? How will I pay for your services? |
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Hourly fee, annual retainer or a flat fee based on account size. |
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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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Do you offer any guaranteed results? |
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Only if you choose guaranteed investments. |
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How much risk should I be willing to take? |
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That is up to you. We don't dictate your risk tolerace, but we'll figure it out as we discover who you are and your comfort levels, goals, etc. |
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Have you ever been charged with any breaches? |
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What services do you provide? What are your specialties? |
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Fee based financial advice, investment management, retirement planning, pension planning, estate planning, college planning, endowment and gift planning. |
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What is your experience? How many clients do you currently manage? |
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15 years experience, 3 advanced financial degrees, 700 happy clients we've been honored to serve. |
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What financial institution(s) do you represent? |
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None, we represent the client, not any corporate giant. |
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How do you charge for your services? |
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fee's only, no commissions. |
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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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We'll do whatever possible to make you happy, and treat you as we'd like to be treated if we were in your shoes. |
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