Business Description
Our purpose is to provide complete financial analysis, plan design and implementation services to our clients. In doing so we... Assist our clients in the management of their risks and expenses for the balanced and efficient utilization of their resources so that they may fully realize their goals and objectives to meet both their current, and their future needs. We vow to do our utmost in proving ourselves as a trusted source of no-nonsense, clear, concise, and unbiased information and guidance to our clients. For over 25 years our clients have continued to rely on us because they know they can count on us to put their interests first.
General Information Gender:    Male CRD#:    2035061 Firm CRD#:    3870 SEC File#:    1990921 Insurance License#:    0000756758 Name of Broker/Dealer:    Lincoln Financial Securities Corporation Name of Custodial Firm:    Pershing, LLC States Licensed in:    TN, SC, VA States Willing to do Business in:    Any Years of Experience in Financial Services:    25 Number of Years with Current Firm:    8 Work Experience:    Independent agency owner since 1996. Prior to that, since 1982 I have held management positions with several different insurance companies with at least two years spent working in brokerage services. I work with the following types of clients:    Businesses, Non-Profit Organizations, Individual Investors
Education Academic Background   University of Maryland / American College of Financial Planning
Services Investment Types:    Professional Investment Management Services, Exchange Traded Funds (ETFs), Bonds, Alternative Investments, Mutual Funds, Insurance, Annuities, Stocks, Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    Life Underwriter Training Council Fellow (LUTCF), Accredited Investment Fiduciary® (AIF) Securities Licenses:    Series 65, Series 63, Series 7, Series 6 Insurance and Annuity Licenses:    Variable Annuity, Long Term Care, Variable Life, Disability, Property, Casualty, Accident, Annuity, Health, HMO, Life Financial Organization Memberships:    National Association of Health Underwriters, National Association of Insurance and Financial Advisors (NAIFA), Society of Financial Services Professionals
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:    750,000+ Firm's Number of Planning Clients:    250,000+ Firm's Number of Managed Clients:    250,000+ Assets Managed by Firm:    $200 Billion+ Advisor's Number of Clients:    1100 Advisor's Number of Managed Clients:    25 Advisor's Number of Planning Clients:    75 Assets Managed by Advisor:    $5,000,000+
Compliance Registered Investment Advisor:    Yes 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:    $100,000 Compensation Methods:    Commissions, Hourly, Flat Fee, Based on Assets Fee % Based on Assets:    1 Hourly Rate:    $200.00 Flat Fee Rate:    Negotiable Additional Details on Charges:    Fee Based Managed Accounts ($100,000.00 Minimum) Total Assets less than $500,000.00..... 1.0% of Account Assets Total Assets of $500,000.00 or more... 0.5% of Account Assets Other Accounts: Negotiated Minimum Fee Charged for Managed Accounts:    $1,000.00 Minimum Fee Charged for Hourly Planning Accounts:    $200.00 Minimum Fee Charged for Flat Fee Accounts:    Negotiable
Prepared By:	Quentin L. Ledford, IAR

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?
Generally no. However, our customers are free to disengage our services at any time. We strive hard to deserve the confidence of our customers and it is our goal that our customers will want to retain our relationship.

Q.	What are your qualifications? What is your education background?
Very strong backround in risks management. I am a recognized as a professional fiduciary. I was educated at the University of Maryland and the American College. Over the years I have continued to pursue further collegiate courses not only to meet licensure renewal requirements; but more so to increase my levels of competence in order to expand my ability to provide for the needs of my clients.

Q.	What is your approach to financial planning?
First to understand the client and their needs. Once this accomplished, then to make sure that the client understands their options, any risks involved, and to outline a plan of action.

Q.	What services do you offer?
Financial, investment, and risks management services. In addition, we also offer comprehensive benefits consultation and management services including value assessment and implementation of health, life, and disability programs on personal, professional, and commercial levels.

Q.	How many clients do you currently manage?
Altogether we provide a variety of services to over 1,100 individuals, business owners, and professionals.

Q.	Will you be the only person working with me?
Although I always work personally with every client, there are occassions when my clients require services outside the realm of my ability or qualification. In these instances, it is absolutely essential that I direct my client to competent professional better able to meet that need.

Q.	How are you compensated? How will I pay for your services?
This depends very much on the services required by the client. I usually work on either a fee only or a commission basis, but not both in a single transaction.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
This is generally the case unless the client requests that discretionary services be provided.

Q.	Do you offer any guaranteed results?
I can only guaranty that I will always do my utmost to assure that the interests of the client is foremost in any recommendation. I cannot offer any guarantees beyond those which are contractually provided.

Q.	How much risk should I be willing to take?
This depends largely on your situation. The propensity for, and the ability to bear the risks (possiblity of loss) factors greatly in the determination process.

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

Q.	What services do you provide? What are your specialties?
Financial, investment, and risks management services. In addition, we also offer comprehensive benefits consultation and management services including value assessment and implementation of health, life, and disability programs on personal, professional, and commercial levels.

Q.	What is your experience? How many clients do you currently manage?
Altogether we provide a variety of services to over 1,100 individuals, business owners, and professionals.

Q.	What financial institution(s) do you represent?
All investment transactions are processed through my Broker-Dealer, Lincoln Financial Securities Corporation. Beyond that, I have implemented contracts with well over a hundred insurance companies and risk managment institutions.

Q.	How do you charge for your services?
This depends very much on the services required by the client. I usually work on either a fee only or a commission basis, but not both in a single transaction.

Q.	Do you provide a free initial consultation?
No. My conviction is that no one should take their selection of financial advisors lightly. In addition to competence, trust is absolutely essential.

Q.	Why should I choose you as my financial advisor?
First, as a fiduciary, I am legally obligated to put the interests of my clients first. Most 'advisors' are not fiduciaries. Second, I do my best to always be available for my clients whenever they feel the need to contact me. This is why I give all my clients my mobile number.

Q.	What are your qualifications?
Having over 25 years experience in the financial services industry I can offer to my clients a wealth of resources and information to assist them in making sound decisions appropriate for their goals and needs. In addition, I am always seeking to improve myself to better serve my clients.

Q.	What is your approach to 401 K plan rollovers?
It is my conviction that a client should have as much flexibility in managing their funds as is possible. Risks need to be carefully considered in making any recommendation.

Q.	How long does the process of rolling over a 401K plan usually take?
Usually this doesn'take more than ten working days and, if necessary actions can be taken to expedite this process. Ocassionally, the present custodian holding the funds is reluctant to process requests which can delay this process.

Q.	What financial institutions do you represent?
All investment transactions are processed through my Broker-Dealer, Lincoln Financial Securities Corporation. Beyond that, I have implemented contracts with well over a hundred insurance companies and risk managment institutions.

Q.	How many years of experience do you have?
Over 25 years in the financial services industry.

Q.	What are your fees for this service?
This depends very much on the services required by the client. I usually work on either a fee only or a commission basis, but not both in a single transaction.

Q.	How many 401K rollover clients do you currently manage?
Personally I manage around 25 employer plans.

Q.	Why should I roll over my 401K plan to your firm?
If you are currently dissatisfied with your current provider for any reason, perhaps you should consider it. If you feel your interests are not the advisors primary focus, definitely. Clients deserve full disclosure of the commissions and fees they pay, to whom, and why. In addition, as plan assets grow, so too should the options and services provided.

Q.	Do you provide a free initial consultation?
Yes, always. In many cases, additional consultations may be arranged at no charge to better assess a clients situation prior to the establishment of a formal client/advisor arrangement being established.