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Business Description |
C. Geraci & Company is an independent firm that specializes in tax, retirement, investment and estate planning strategies. The firm is not owned or financially supported by any bank, brokerage firm, insurance company, or other financial institution.
Charles Geraci, a CPA and Registered Investment Advisor, established the firm in 1988 to provide personalized service that puts the client's interests first. Our clients include business owners, senior executives, successful professionals, and affluent individuals and families. We solve financial challenges facing our clients and ensure their personal desires are reflected in the solution. Working closely with clients, we structure their personal and business finances with the aim of minimizing tax exposure, securing retirement income, managing risk effectively, and maximizing wealth transfers to future generations. |
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General Information |
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| Insurance License#: |
782714
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| Name of Broker/Dealer: |
VSR
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| Name of Custodial Firm: |
TD Ameritrade
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| States Licensed in: |
TX, LA, IN, FL, NY, OK
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| States Willing to do Business in: |
TX, LA, IN, FL, NY, OK
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| Years of Experience in Financial Services: |
20+
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| Number of Years with Current Firm: |
20+
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| Work Experience: |
Charles Geraci, a CPA and Registered Investment Advisor, established the firm in 1988 to provide personalized service that puts the client's interests first. Our clients include business owners, senior executives, successful professionals, and affluent individuals and families. We solve financial challenges facing our clients and ensure their personal desires are reflected in the solution. Working closely with clients, we structure their personal and business finances with the aim of minimizing tax exposure, securing retirement income, managing risk effectively, and maximizing wealth transfers to future generations.
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| I work with the following types of clients: |
Trusts, Individual Investors, Businesses
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Education |
| Academic Background |
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| BBA, Accounting and Finance - The University of Texas at Austin (1975) |
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Services |
| Investment Types: |
Oil and Gas Partnerships, Annuities, Bonds, Stocks, Insurance, Mutual Funds, Options & Futures, Alternative Investments, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Certified Public Accountant (CPA), Chartered Life Underwriter (CLU®), Personal Financial Specialist (PFS), Independent Registered Investment Advisor (RIA), Chartered Financial Consultant (ChFC)
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| Securities Licenses: |
Series 66, Series 63, Series 7
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| Insurance and Annuity Licenses: |
Variable Annuity, Long Term Care, Variable Life, Disability, Accident, Annuity, Health, Life
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| Financial Organization Memberships: |
American Institute of Certified Public Accountants (AICPA), Society of Financial Services Professionals, Financial Planning Association (FPA)
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| Non-Financial Organization Memberships: |
Plan Giving Council of Houston
Montgomery County Business and Estate Planning
Houston Estate and Financial Forum
Estate and Gift Tax Commission
AICPA
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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: |
200+
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| Firm's Number of Planning Clients: |
75
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| Firm's Number of Managed Clients: |
110
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| Assets Managed by Firm: |
$50,000,000
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| Advisor's Number of Clients: |
110
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| Advisor's Number of Managed Clients: |
55
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| Advisor's Number of Planning Clients: |
50
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| Assets Managed by Advisor: |
$50,000,000
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Compliance |
| Registered Investment Advisor: |
Yes
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| Registered 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-based financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
$500,000
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| Compensation Methods: |
Hourly, Based on Assets, Commissions, Flat Fee
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| Fee % Based on Assets: |
0.5-1.75%
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| Additional Details on Charges: |
A Fee Schedule can be viewed at http://cgeraci.com/feeSchedule.php
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| Minimum Fee Charged for Managed Accounts: |
1/2 of 1%
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| Minimum Fee Charged for Hourly Planning Accounts: |
$275
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| Minimum Fee Charged for Flat Fee Accounts: |
$2,250
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| Prepared By: |
Charles Geraci |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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Yes, all our clients must acknowledge that we have added value to their current situation or all fees will be refunded; see the Client Satisfaction Survey on our website at http://cgeraci.com/docs/clientSatisfactionSurvey.pdf |
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What are your qualifications? What is your education background? |
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20 years as a planner; accredited by the American Institute of Certified Public Accountants (AICPA) as a Personal Financial Specialist (PFS); BBA from University of Texas at Austin; Certified Public Accountant (CPA), Chartered Financial Consultant (ChFC), Registered Investment Advisor (RIA); http://www.cgeraci.com/ourPeople.php |
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What is your approach to financial planning? |
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What services do you offer? |
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Tax, retirement, estate & investment planning; For more information on o ur services, please visit our website at http://www.cgeraci.com/ourServices.php |
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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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How are you compensated? How will I pay for your services? |
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Fee based. A Fee Schedule may be found at http://cgeraci.com/feeSchedule.php |
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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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How much risk should I be willing to take? |
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Depends on your risk tolerence and analysis of your investment profile. |
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Have you ever been charged with any breaches? |
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No. This may be verified through links on our website at http://cgeraci.com/ourPeople.php Firm Organizations are listed at the bottom of the page. |
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What services do you provide? What are your specialties? |
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Tax, retirement, estate and investment planning; For more information on our services, please visit our website at http://www.cgeraci.com/ourServices.php |
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What is your experience? How many clients do you currently manage? |
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20+ years experience as in Investment Advisor; currently manage 110 clients |
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What financial institution(s) do you represent? |
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None, independent Registered Investment Advisor (RIA) |
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How do you charge for your services? |
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Fee based. A Fee Schedule may be found at http://cgeraci.com/feeSchedule.php |
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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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C. Geraci & Company is an independent firm that specializes in tax, retirement, investment and estate planning strategies. The firm is not owned or financially supported by any bank, brokerage firm, insurance company, or other financial institution. |
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What are your management fees? |
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Advisory fees; a Fee Schedule may be found at http://cgeraci.com/feeSchedule.php |
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What kind of plans do you specialize in? |
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Profit sharing, Safe Harbor, Traditional & Roth |
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Do you have a minimum requirement for number of employees or total investment value? |
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Minimum total investment value of $500,000 |
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What type of plans do you offer? |
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Profit sharing, Safe Harbor, Traditional & Roth |
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Do you offer any additional services? |
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Yes, tax planning and investment advisory services |
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What are your qualifications? |
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Certified Public Accountant (CPA), Chartered Financial Consultant (ChFC), Registered Investment Advisor (RIA), Personal Financial Specialist (PFS), BBA from University of Texas at Austin; http://www.cgeraci.com/ourPeople.php |
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What is your approach to 401 K plan rollovers? |
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Depends on employer size and company goals |
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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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None, independent Registered Investment Advisor (RIA) |
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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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A Fee Schedule may be found at http://cgeraci.com/feeSchedule.php |
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| Q. |
How many 401K rollover clients do you currently manage? |
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| Q. |
Why should I roll over my 401K plan to your firm? |
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C. Geraci & Company is an independent firm that specializes in tax, retirement, investment and estate planning strategies. The firm is not owned or financially supported by any bank, brokerage firm, insurance company, or other financial institution. |
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Do you provide a free initial consultation? |
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