| Advisor Profile |
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Business Description |
Our mission is to strengthen your family by finding ways to reduce your tax burden, increase your wealth and reinforce your security so you can spend more time pursuing your dreams.
We use an all-star team approach unmatched by any other independent firm in Utah. Our highly skilled specialists include Certified Financial Planners, a Certified Fund Raising Executive, an Accredited Asset Manager, a Stanford educated attorney with an MBA and CPA, an MBA/CPA, an insurance agent, a real estate broker, three Wealth Managers, trust officers and our exceptional support staff. Two of our professionals taught or teach Economics, History and Taxation at the College/University level.
Whether you are a new investor or dealing with a tremendously complicated estate, we have the resources and skill set to match your needs.
We look forward to welcoming you into our family! |
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General Information |
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| Name of Broker/Dealer: |
LPL Financial Corporation
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| States Licensed in: |
CA, ID, OR, UT, WA
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| Years of Experience in Financial Services: |
10
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| Number of Years with Current Firm: |
3
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| I work with the following types of clients: |
Individual Investors
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| Foreign Languages Serviced: |
Spanish
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Education |
| Academic Background |
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BA, International Relations with an emphasis in Business - Brigham Young University
Economics and U.S. History Instructor - Stevens Henager College |
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Services |
| Investment Types: |
Mortgages & Real Estate, Alternative Investments, Bonds, Mutual Funds, Annuities, Stocks
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Qualifications & Memberships |
| Securities Licenses: |
Series 7, Series 24
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| Insurance and Annuity Licenses: |
Disability, Long Term Care, Life
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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Compliance |
| Registered 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: |
$50,000
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| Compensation Methods: |
Based on Assets, Commissions, Flat Fee
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| Fee % Based on Assets: |
0.75%
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| Additional Details on Charges: |
No matter the method of compensation you choose, we keep your expenses well below average. Cost matters. Avoid people who say otherwise.
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| Prepared By: |
Roy Jones |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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Yes. We live to make sure you are delighted by our service and that your investment results exceeds your expectations. We protect you as a consumer by helping you avoid the two most common investment traps: large, upfront commissions and proprietary products. |
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What are your qualifications? What is your education background? |
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We believe a team approach is far more effective than a sole practitioner approach. Our team is highly educated, experienced and credentialed. Our backgrounds include degrees in Finance, Business, International Business, Military Science, MBAs, CPAs and JD. We have taught Economics and History for Stevens Henager College and teach tax law at the U of U. All of our professionals are Eagle Scouts. |
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| Q. |
What is your approach to financial planning? |
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Our experience has shown that financial planning success has four attributes:
1. It must be cost effective
2. It must be ultra simple
3. It must be updated frequently
4. It must be implemented!
Avoid asset managers who charge a fee or commission to manage assets and an additional fee for financial planning. |
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| Q. |
What services do you offer? |
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We offer the following services for our clients:
College and retirement planning
Asset management
401(k) rollovers
IRAs, 401(k)s, 529 plans etc.
Beneficiary planning
Investment research
Ongoing educational events
Will and trust assistance
Insurance reviews
Real estate exchanges |
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| Q. |
How many clients do you currently manage? |
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We have over 300 accounts. We limit the number of accounts each wealth manager maintains in order to provide top tier service and attention to our clients. |
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Will you be the only person working with me? |
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That depends on your needs. Some clients with simple issues will work with only one wealth manager, while clients with very complicated issues may have a team of eight or more specialists. In either case, you would have one lead point of contact with our firm. Your "quarterback" if you will. |
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How are you compensated? How will I pay for your services? |
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We allow you to choose the compensation method you are most comfortable using. We will help you find the best value and best fit for your needs. We offer ALL compensation models since each has strengths and limitations. |
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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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This is your wealth, not ours. You set the rules. If you want us to call before each transaction, we will do so. If not, we can handle that as well. |
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| Q. |
Do you offer any guaranteed results? |
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In our industry, the word "guarantee" is highly regulated. The only time it can be used is in reference to a U.S. government bond or FDIC insured products, or some private insurance products (some of which are extremely expensive and convoluted). Beware of people who guarantee results. |
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How much risk should I be willing to take? |
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You should meet or exceed your goals and be able to sleep at night. |
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| Q. |
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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We offer the following services for our clients:
College and retirement planning
Asset management
401(k) rollovers
IRAs, 401(k)s, 529 plans etc.
Beneficiary planning
Investment research
Ongoing educational events
Will and trust assistance
Insurance reviews
Real estate exchanges |
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| Q. |
What is your experience? How many clients do you currently manage? |
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We believe a team approach is far more effective than a sole practitioner approach. Our team is highly educated, experienced and credentialed. Our backgrounds include degrees in Finance, Business, International Business, Military Science, MBAs, CPAs and JD. We have taught Economics and History for Stevens Henager College and teach tax law at the University of Utah. |
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| Q. |
What financial institution(s) do you represent? |
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We are independent advisors. We do not offer any garbage proprietary products. We represent our clients, not financial institutions. |
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How do you charge for your services? |
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We allow you to choose the compensation method you are most comfortable using. We will help you find the best value and best fit for your needs. We offer ALL compensation models since each has strengths and limitations. |
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Do you provide a free initial consultation? |
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Yes, and in many cases multiple free initial consultations. We want you to feel comfortable about making a decision and we never want you to feel any kind of pressure or obligation. |
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Why should I choose you as my financial advisor? |
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Our team based approach means you will work with someone or a team with the skills that match your needs. Our independence from large brokerage firms and insurance companies help you steer clear of garbage proprietary products. Our commitment to value means you don't have to sit through a sales pitch to justify excessive costs. We educate, we do not sell. All of our professionals are Eagle Scouts. |
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What are your management fees? |
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It depends on the type of plan, but our fees are always well below average. |
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What kind of plans do you specialize in? |
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Small businesses with 10 to 100 employees. |
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Do you have a minimum requirement for number of employees or total investment value? |
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Never. We want to be there on day one and watch you succeed. |
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What type of plans do you offer? |
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Since we are independant, we offer virtually any plan in existence. |
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Do you offer any additional services? |
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We do more than just set up retirement plans. We make save you time by minimizing administration and we are proactive at providing you and your employees, even the new investors, with effective investment guidance. Our retirement plans have high participation rates which means YOU can shield more of your money from taxes. |
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What are your qualifications? |
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We believe a team approach is far more effective than a sole practitioner approach. Our team is highly educated, experienced and credentialed. Our backgrounds include degrees in Finance, Business, International Business, Military Science, MBAs, CPAs and JD. We have taught Economics and History for Stevens Henager College and teach tax law at the University of Utah. |
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What is your approach to Education Planning? |
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One size does not fit all. We get to know your situation and needs and direct you to the best solution. |
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How long does the process of setting up an Education Plan usually take? |
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Less than one hour for educational saving depending on your questions and complexity of your situation. |
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What financial institutions do you represent? |
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Almost all of them. We direct a large number of clients to the Utah State plan and help them maximize this outstanding resource. |
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How many years of experience do you have? |
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Our eduation advisors have 2 to 10 years experience. |
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What are your fees for this service? |
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Most of our clients are not charged fees for this. We do this as an accomodation for them. |
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How many Education Planning clients do you currently manage? |
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We have advised hundreds of people on educational plans. Since most of the assets go the Utah's unique plan in aged based portfolios, ongoing management is unnecessary. We see this as a community service, not a profit center for our business. |
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Why should I work with you on setting up an Education Plan? |
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I will help you avoid salesmen and provide you with quality advice. All of our professionals are Eagle Scouts. |
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| Q. |
Do you provide a free initial consultation? |
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What are your qualifications? |
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We believe a team approach is far more effective than a sole practitioner approach. Our team is highly educated, experienced and credentialed. Our backgrounds include degrees in Finance, Business, International Business, Military Science, MBAs, CPAs and JD. We have taught Economics and History for Stevens Henager College and teach tax law at the University of Utah. |
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What is your approach to 401 K plan rollovers? |
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We educate you on the options and compare you current 401(k) to an IRA to make sure the cost, safety and performance makes sense. We also do in-depth beneficiary planning to take advantage of options not available with 401(k) plans. |
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How long does the process of rolling over a 401K plan usually take? |
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Once a decision has been made to roll over a 401(k) has been made, it generally takes up to a few weeks to complete the transaction. We make it easy for you and fill out all the paperwork. |
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What financial institutions do you represent? |
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We are independent advisors. We do not offer any garbage proprietary products. We represent our clients, not financial institutions. |
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| Q. |
How many years of experience do you have? |
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Our 401(k) rollover specialists have 2-10 years of experience. |
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What are your fees for this service? |
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The cost depends on your needs, but are always below average. Most rollover IRAs we do have lower costs than many 401(k) plans. |
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How many 401K rollover clients do you currently manage? |
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Most of our clients have rolled over their 401(k)s to IRAs with our firm. |
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| Q. |
Why should I roll over my 401K plan to your firm? |
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Our independence from large brokerage firms and insurance companies help you steer clear of garbage proprietary products. Our IRA strategies are customized and our clients have reported less stress and better performance than their 401(k) plans. Our unique beneficiary strategies will likely leave substantially more to your family and less to the IRS. We help you face the future with confidence! A |
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Do you provide a free initial consultation? |
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Yes, and in many cases multiple free initial consultations. We want you to feel comfortable about making a decision and we never want you to feel any kind of pressure or obligation. |
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