Business Description
We help our clients make sense of and prioritize all the pieces of their financial picture, by helping them DISCOVER and CLARIFY what is really important to them, bringing CREATIVE ideas and strategies to the table, and COORDINATING and organizing their financial, legal, and tax information. We COLLABORATE and COMMUNICATE with our clients' professional advisors (e.g. attorneys, CPA's etc, as needed, in order to create a client-centered and integrated plan. Then we serve as the CATALYST to help clients actually get done what needs to get done. As a part of our comprehensive planning services, we organize client's important information all in one place on a private customized client website, updated daily and accessible to clients, their chosen advisors or family members and our firm 24/7. Our mission is to help our clients enjoy all forms of their wealth, experience greater motivation and results with their planning, and design, live and leave behind their own unique legacy. For many, our counsel and assistance has resulted in increased retirement income, substantial savings in estate and income taxes, protection of assets and the creation of successful strategies for more meaningful multi-generational family wealth transfers. We serve clients from two office locations in Durham and Raleigh.
General Information Gender:    Female CRD#:    1317643 SEC File#:    8-014609 Insurance License#:    2462557 NC Name of Broker/Dealer:    Lincoln Financial Securities Corporation Name of Custodial Firm:    Pershing (brokerage and brokerage advisory accounts) States Licensed in:    NC, SC and TX for insurance products. Advisory services may be extended to other states, depending on state law. States Willing to do Business in:    Will consider any state, depending upon client needs. Years of Experience in Financial Services:    30 Number of Years with Current Firm:    9 Work Experience:    Advisory Rep/Lincoln Financial Securities 2001-Present President/Owner Premier Advisor Group 2002-Present Vice-President, Jefferson Pilot Financial 2001-2002 Managing Director/Manager, MetLife 1985-2001 I work with the following types of clients:    Businesses, Non-Profit Organizations, Individual Investors
Education Academic Background   MBA - Kenan-Flagler Business School, University of North Carolina Chapel Hill BSBA - University of North Carolina Chapel Hill
Services Investment Types:    Exchange Traded Funds (ETFs), Alternative Investments, Mortgages & Real Estate, Bonds, Stocks, Annuities, Insurance, Mutual Funds, Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Chartered Financial Consultant (ChFC®), Chartered Life Underwriter (CLU®) Securities Licenses:    Series 66, Series 65, Series 63, Series 8, Series 7, Series 6 Insurance and Annuity Licenses:    Variable Life, Health, Annuity, Variable Annuity, Long Term Care, Life, Disability, Accident Financial Organization Memberships:    Financial Planning Association (FPA), Durham/Orange Estate Planning Council Non-Financial Organization Memberships:    NC Planned Giving Council, Advisors in Philanthropy, Partners in Philanthropic Planning
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes
Compliance Registered Representative:    Yes Investment Advisor Representative:    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 Fee Structure:    I am a fee-based financial professional Minimum Portfolio Size for New Managed Accounts:    $100,000 Compensation Methods:    Commissions, Flat Fee, Hourly, Based on Assets Fee % Based on Assets:    .5%- 2.0% Hourly Rate:    $200 Flat Fee Rate:    Varies Additional Details on Charges:    Fee-based comprehensive wealth advice, pre and post retirement, cash flow, estate planning (flat fee or hourly), fee-based money management (.5% to 2.0%), as appropriate and if chosen by client, insurance and investment products commissions
Prepared By:	Janet Ramsey

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 Education Planning?

Q.	How long does the process of setting up an Education 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 Education Planning clients do you currently manage?

Q.	Why should I work with you on setting up an Education Plan?

Q.	Do you provide a free initial consultation?

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?

---

Q.	Do you have a customer satisfaction or refund policy?
For financial planning advice, if client were ever dissatisfied or were to request a refund, we offer a refund of fees within prescribed time frame.

Q.	What are your qualifications? What is your education background?
BSBA and MBA in Business Administration UNC Chapel Hill. CLU, ChFC and CFP® (Certified Financial Planner™)

Q.	What is your approach to financial planning?
We use a Process of: 1) Discovery, 2) Snapshot of Current Situation, 3) Analysis for Opportunities, 4) Discussion/Exploration of Options, 5) Decisions and Implementation, 6) Monitor/Review/Revise

Q.	What services do you offer?
We help clients CLARIFY what is important to them, bring CREATIVE ideas and strategies to the table, COORDINATE and organize all their financial, legal, tax information and advisor team and serve as the CATALYST to help them get done what needs to get done. We organize all assets and liabilities into a customized client website, which is updated daily and accessible to client and our firm 24/7.

Q.	How many clients do you currently manage?
We limit our work to no more than 40 comprehensive advisory/planning clients at one time.

Q.	Will you be the only person working with me?
We believe the best results come from having the best team in place based on the client's needs. We help coordinate and communicate with other advisors, such as the client's attorney and CPA.

Q.	How are you compensated? How will I pay for your services?
Fee-based compensation. Fees for advice, flat or hourly, by client choice. Percentage of advisory assets under management and/or commissions if products are needed and client chooses to purchase.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Client has choice to approve all transactions beforehand or to authorize managed account within an investment model selected with and by the client.

Q.	Do you offer any guaranteed results?
Investments in market based accounts are not guaranteed by law/regulation. Fixed interest investments, such as CD's or fixed annuities are guaranteed by FDIC or insurance company issuers. We do offer refunds of advisory planning fees within prescribed time frames if client was ever dissatisfied or were to request a refund.

Q.	How much risk should I be willing to take?
This depends on client's risk tolerance, goals, time frame of goals, overall assets and health. Determining the answer to this question is part of the financial planning process.

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

Q.	What services do you provide? What are your specialties?
We help clients CLARIFY what is important to them, bring CREATIVE ideas and strategies to the table, COORDINATE and organize all their financial, legal, tax information and advisor team and serve as the CATALYST to help them get done what needs to get done. We organize all assets and liabilities into a customized client website, which is updated daily and accessible to client and our firm 24/7.

Q.	What is your experience? How many clients do you currently manage?
25+ years licensed and experienced with providing financial, investments and insurance advice. We limit our work to no more than 40 comprehensive advisory/planning clients at one time.

Q.	What financial institution(s) do you represent?
Advisory Representative (IAR) with Lincoln Financial Securities Corporation. Am licensed/authorized to provide products from many money managers, mutual funds, insurance companies and REIT companies.

Q.	How do you charge for your services?
Fee-based. Hourly or flat fee, client is given choice. Commissions if client chooses to purchase any products.

Q.	Do you provide a free initial consultation?
Yes.

Q.	Why should I choose you as my financial advisor?
You should choose me if we both feel it is a good match to work together. We determine this via phone and personal meeting(s). Any fees or costs are disclosed and agreed to in advance.

Q.	What are your qualifications?
BSBA and MBA in Business Administration UNC Chapel Hill. CLU, ChFC and CFP® (Certified Financial Planner™)

Q.	What is your approach to Education Planning?
It is important to explore a client's goals, health, number of children or other beneficiaries of education planning, type education institute desired, time frame, risk tolerance, overall picture, then providing education planning options that fit the client's situation.

Q.	How long does the process of setting up an Education Plan usually take?
This can depend on many factors. We strive to work within a time frame in which client and we are comfortable.

Q.	What financial institutions do you represent?
Various money managers, mutual fund companies, 529 Plans, REIT companies. Can provide ETF investments as portion of portfolio management as well.

Q.	How many years of experience do you have?
25 years

Q.	What are your fees for this service?
Advisory fees or commissions, based on client's choice, or as dicatated by plans chosen.

Q.	How many Education Planning clients do you currently manage?
We do not identify clients as education planning only clients.

Q.	Why should I work with you on setting up an Education Plan?
You should consider using our firm for education planning services if we both feel it is a good match to work together. We determine this via phone and personal meeting(s). Any fees or costs are disclosed and agreed to in advance.

Q.	Do you provide a free initial consultation?
Yes.

Q.	What are your qualifications?
BSBA and MBA in Business Administration UNC Chapel Hill. CLU, ChFC and CFP® (Certified Financial Planner™) Have provided rollover advice and service for 25+ years.

Q.	What is your approach to 401 K plan rollovers?
It is important to explore a client's goals, health, time frame, risk tolerance, overall picture, then providing rollover options that fit the client's situation.

Q.	How long does the process of rolling over a 401K plan usually take?
This can depend on many factors. We strive to work within a time frame in which client, plan administrator and we are all comfortable.

Q.	What financial institutions do you represent?
Various money managers, mutual fund companies, REIT companies. Can provide ETF investments as portion of portfolio management as well.

Q.	How many years of experience do you have?
25 years

Q.	What are your fees for this service?
Advisory fees or commissions, based on client's choice.

Q.	How many 401K rollover clients do you currently manage?
We do not segment/identify clients as 401K rollover clients only.

Q.	Why should I roll over my 401K plan to your firm?
You should consider using our firm for your rollover if we both feel it is a good match to work together. We determine this via phone and personal meeting(s). Any fees or costs are disclosed and agreed to in advance.

Q.	Do you provide a free initial consultation?
Yes.