| Advisor Profile |
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Business Description |
Our company is comprised of financial professionals who offer quality insurance and financial products and services to the individual and business marketplace.
Our professionals have extensive experience and knowledge in the products they offer as well as the expertise on how to use those products to help maximum benefit and protection to the clients we serve. It is our commitment and desire to establish trust and a long lasting relationship with our clients. This commitment has served us well throughout the years. We take pride in knowing that our clients keep returning to us for advice. |
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General Information |
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| Insurance License#: |
15563
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| Name of Broker/Dealer: |
First Independent Financial Services
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| States Licensed in: |
CA, FL, ID, OK, AR
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| States Willing to do Business in: |
OK, CA, FL, OK, AR, ID
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| Years of Experience in Financial Services: |
23
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| Number of Years with Current Firm: |
9
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| Work Experience: |
Started in Insurance & Financial Planning with Prudential directly out of college, after 10 years in the insurance industry I accepted a position as VP & Trust Officer of a local bank where I served 4 years before leaving to pursue my own agency, Financial Solutions, in 1999.
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| I work with the following types of clients: |
Businesses, Individual Investors, Non-Profit Organizations
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Education |
| Academic Background |
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| Degree in Business Administration - East Central University. Graduate of Cannon Trust School. |
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Services |
| Investment Types: |
Mutual Funds, Insurance, Mortgages & Real Estate, Stocks, Bonds, Exchange Traded Funds (ETFs), Alternative Investments, Annuities, Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Personal Financial Specialist (PFS), Life Underwriter Training Council Fellow (LUTCF)
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| Securities Licenses: |
Series 65, Series 6, Series 63
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| Insurance and Annuity Licenses: |
Annuity, Variable Annuity, Long Term Care, Variable Life, Accident, HMO, Life, Health, Disability
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| Financial Organization Memberships: |
National Association of Insurance and Financial Advisors (NAIFA), Society of Financial Services Professionals, National Association of Estate Planners & Councils (NAEPC)
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| Non-Financial Organization Memberships: |
Immediate past President of The Parent Child Center of Tulsa.
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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: |
300
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Compliance |
| Registered Representative: |
Yes
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| Investment Advisor 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 |
| Fee Structure: |
I am a fee-based financial professional
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| Minimum Portfolio Size for New Managed Accounts: |
$50,000
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| Compensation Methods: |
Hourly, Commissions, Based on Assets
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| Fee % Based on Assets: |
1%
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| Additional Details on Charges: |
Negotiable
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| Prepared By: |
Rob Fialkowski |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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Yes, we do not charge any fees unless client is totally satisfied. All insurance policies come with a minimum of a 10 day free look period with 100% refund. |
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What are your qualifications? What is your education background? |
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Life Underwriter Training Council fellowship and studying to finish CLU and Chartered Financial consultant designations. Cannon Trust School and multiple insurance and investment licenses. BS in Business Management & Finance degree from East Central University. I have been in the Financial Services industry for over 23 years. |
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| Q. |
What is your approach to financial planning? |
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I never sell anything. Our first meeting is to get to know each other, ask many questions and listen. |
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| Q. |
What services do you offer? |
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Everything from beginning financial planning to very unique estate tax plans. We offer most types of insurance & investments. |
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| Q. |
How many clients do you currently manage? |
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I personally manage approx. 200 |
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Will you be the only person working with me? |
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Yes, I make a personal commitement to handle each and every client as I would my own family. I do have a full time assistant and other associates who are always available when I am out. |
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| Q. |
How are you compensated? How will I pay for your services? |
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Typically the insurance or investment companies pay me fees or commissions if you choose to purchase any products we offer, unless you prefer I charge as a fee only advisor. |
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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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Do you offer any guaranteed results? |
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There are many insurance based products that offer guaranteed returns similar to Certificates of Deposit.
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How much risk should I be willing to take? |
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That is an individual decision and no two clients are exactly the same. We will take a universal approach to evaluating your risk tolerance. |
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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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Everything from beginning financial planning to very unique estate tax plans. We offer most types of insurance & investments. |
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| Q. |
What is your experience? How many clients do you currently manage? |
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Life Underwriter Training Council fellowship and studying to finish CLU and Chartered Financial consultant designations. Cannon Trust School and multiple insurance and investment licenses. BS in Business Management & Finance degree from East Central University. I have been in the Financial Services industry for over 23 years. |
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What financial institution(s) do you represent? |
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How do you charge for your services? |
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Typically the insurance or investment companies pay me fees or commissions if you choose to purchase any products we offer, unless you prefer I charge as a fee only advisor. |
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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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Just ask my current clients... I will provide references upon request. I Guarantee your satisfaction!!! |
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What are your management fees? |
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Depends on the plan, we offer many! |
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What kind of plans do you specialize in? |
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401k, 403B, all types of IRA's & Annuities |
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Do you have a minimum requirement for number of employees or total investment value? |
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What type of plans do you offer? |
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401k, 403B, all types of IRA's & annuities. |
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Do you offer any additional services? |
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What are your qualifications? |
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Life Underwriter Training Council fellowship and studying to finish CLU and Chartered Financial consultant designations. Cannon Trust School and multiple insurance and investment licenses. BS in Business Management & Finance degree from East Central University. I have been in the Financial Services industry for over 23 years. |
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What is your approach to Education Planning? |
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Full evaluation of all aspects. |
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How long does the process of setting up an Education Plan usually take? |
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What financial institutions do you represent? |
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How many years of experience do you have? |
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Over 23 years in the Financial Services industry |
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What are your fees for this service? |
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How many Education Planning clients do you currently manage? |
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Why should I work with you on setting up an Education Plan? |
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Just ask my current clients... I will provide references upon request. |
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| Q. |
Do you provide a free initial consultation? |
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What are your qualifications? |
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Life Underwriter Training Council fellowship and studying to finish CLU and Chartered Financial consultant designations. Cannon Trust School and multiple insurance and investment licenses. BS in Business Management & Finance degree from East Central University. I have been in the Financial Services industry for over 23 years. |
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| Q. |
What is your approach to 401 K plan rollovers? |
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Evaluate all options and usually present the client with 2 to 3 different options that would be a perfect fit. |
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How long does the process of rolling over a 401K plan usually take? |
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What financial institutions do you represent? |
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How many years of experience do you have? |
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What are your fees for this service? |
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Depends on what you decide. |
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How many 401K rollover clients do you currently manage? |
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Why should I roll over my 401K plan to your firm? |
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Just ask my current clients... I will provide references upon request. |
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Do you provide a free initial consultation? |
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