| Advisor Profile |
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Business Description |
| The facts are clear - phasing into retirement will throw a host of challenges in your path. What does retirement mean to you? What will it cost you? Are you the person who holds unrealistic expectations on what you can live on? Most retirees are not equipped to transform their retirement savings into a steady stream of income. The real challenge is understanding the nuances to orchestrating an income producing portfolio that also meets the need for future growth while combating the very real effects of inflationary pressure and market volatility. The risk of longevity, spiraling health care costs along with the pending need for long term care require attention in advance of formally retiring. People need wholistic, realistic answers and not loose estimates or guesses. One can reduce the risks inherent in making decisions by incorporating expertise and insight along with the use of sophisticated tools. Teaming with a specialist in this area can make the process easier. IF YOU ARE SEEKING A FEE-ONLY, INDEPENDENT, NO-PRODUCT PUSHING CFP WHO PROVIDES CLEAN, OBJECTIVE COUNSEL, click the link to my website for more information! |
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General Information |
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| Insurance License#: |
527273
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| Name of Broker/Dealer: |
Resource Horizons Group
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| Name of Custodial Firm: |
National Financial Services, LLC
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| States Willing to do Business in: |
GA
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| Years of Experience in Financial Services: |
11
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| Number of Years with Current Firm: |
2
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| Work Experience: |
I worked with corporate practice for the first nine years of my professional experience. In my ninth year I was the founder of an independent, private practice named Navigational Wealth Planning, Inc.
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| I work with the following types of clients: |
Individual Investors, Businesses, Non-Profit Organizations
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Education |
| Academic Background |
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| BBA in Accounting, Masters in Financial Planning |
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| Investment Types: |
Insurance, Bonds, Stocks, Annuities, Exchange Traded Funds (ETFs), Alternative Investments, Mutual Funds, Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Certified Fund Specialist (CFS), Certified Financial Planner (CFP®), Chartered Financial Consultant (ChFC)
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| Securities Licenses: |
Series 7, Series 6, Series 65, Series 63
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| Insurance and Annuity Licenses: |
Variable Life, Long Term Care, Variable Annuity, Disability, Life, Health, Annuity
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| Financial Organization Memberships: |
CFP Board, 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: |
42
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| Firm's Number of Managed Clients: |
39
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| Assets Managed by Firm: |
Yes
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| Assets Managed by Advisor: |
17 million
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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-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: |
250,000
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| Compensation Methods: |
Hourly, Flat Fee, Based on Assets
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| Additional Details on Charges: |
Flat Fee or hourly fee for Retirement Planning Analysis, Retirement Income Planning, Risk Management, Tax Planning, College Planning, Option Planning, Estate Planning, Investment Planning, Strategic Recommendations & Counsel.
Fee Varies based upon complexity of case.
Individual or Small Business Plans
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| Prepared By: |
Catherine Turner, CFP®, ChFC, CFS |
| Most Recent Update: |
10/06/2008 |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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Yes. My aim is to see that I exceed the client's expectation in what I am being asked to deliver. |
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What are your qualifications? What is your education background? |
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CFP, ChFC, CFS
Bachelor's in Accounting |
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What is your approach to financial planning? |
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100% Objective, Non-biased, Well-thought out, Prudent, Being a good listener |
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What services do you offer? |
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Fee-Only Planning Services: Retirement Planning, Income Planning, Tax Planning, Option Planning, College Planning, Asset Protection, Estate Planning, Risk Management Planning, Survivorship Planning.
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How many clients do you currently manage? |
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I have intentionally kept my practice small. I have a committment to providing a high level of quality client service; I will stand by that committment. |
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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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It depends on what you are seeking. |
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Do you offer any guaranteed results? |
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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 Advisory Asset Management |
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What financial institution(s) do you represent? |
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NONE: I am registered with a Broker Dealer who IS NOT affiliated in ANY WAY with any insurance company, investment management firm, mutual fund products or annuity products. |
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Do you provide a free initial consultation? |
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Yes, all interested people have an opportunity to speak with me beforehand |
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| Q. |
What are your qualifications? |
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Beware of financial reps who claim to be a "401(k) rollover specialist". This typically indicates lack of competence, education and ethics. |
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What is your approach to 401 K plan rollovers? |
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Not pushing product sales |
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