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Non-Advisory Securities offered through Purshe Kaplan Sterling Investments
Member FINRA/SIPC Headquartered at 18 Corporate Woods Blvd., Albany, NY 12211 |
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Business Description |
| Our mission is to help our clients achieve their financial goals. Each client has unique needs, circumstances and concerns about their future. We listen, evaluate and create individualized solutions for our clients with objectivity and high ethical standards. |
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General Information |
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| Insurance License#: |
2227811
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| Name of Broker/Dealer: |
Purshe Kaplan Sterling Investments
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| Name of Custodial Firm: |
Fidelity Investments
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| States Licensed in: |
CT, FL, NY, NC, SC
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| States Willing to do Business in: |
Any
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| Years of Experience in Financial Services: |
5
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| Number of Years with Current Firm: |
3
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| Work Experience: |
- Smith Barney, Financial Advisor
- Siemon Co., Global Business Development Mgr
- Timken Co., Senior Product Manager
- Torrington Co., Manufacturing Engineer
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| I work with the following types of clients: |
Businesses, Retirees, Individual Investors
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Education |
| Academic Background |
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BS, Mechanical Engineering - University of Hartford (1988)
MBA, Finance - Rensselaer Polytechnic Institute (2003) |
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Services |
| Investment Types: |
International Investments, Exchange Traded Funds (ETFs), Mortgages & Real Estate, Alternative Investments, Options & Futures, Mutual Funds, Commodities, Insurance, Annuities, Stocks, Bonds
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, Accredited Wealth Management Advisor(AWMA)
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| Securities Licenses: |
Series 65, Series 7, Series 31, Series 63
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| Insurance and Annuity Licenses: |
Disability, Life, Annuity, Health, Variable Annuity, Variable Life, Long Term Care
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| Non-Financial Organization Memberships: |
Chairman, Investment Committe for The Community Foundation of Northwest Connecticut
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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: |
155
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| Firm's Number of Planning Clients: |
44
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| Firm's Number of Managed Clients: |
44
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| Assets Managed by Firm: |
$34,500,000
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| Advisor's Number of Clients: |
44
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| Advisor's Number of Managed Clients: |
44
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| Advisor's Number of Planning Clients: |
44
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| Assets Managed by Advisor: |
$34,500,000
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Compliance |
| Registered Investment Advisor: |
Yes
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| Registered Representative: |
Yes
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| Investment Advisor 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: |
$250,000
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| Compensation Methods: |
Flat Fee, Commissions, Based on Assets, Hourly
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| Fee % Based on Assets: |
Variable
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| Additional Details on Charges: |
We show fee schedule on the individual contracts
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| Minimum Fee Charged for Managed Accounts: |
n/a
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| Minimum Fee Charged for Hourly Planning Accounts: |
n/a
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| Minimum Fee Charged for Flat Fee Accounts: |
n/a
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| Prepared By: |
James Thibault, MBA, AWMA®, CFP® |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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Yes. Prorated managment fees are returned upon advisor termination. |
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| Q. |
What are your qualifications? What is your education background? |
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1. My undergraduate degree is in Mechanical Engineering and my MBA has a finance concentration.
2. I have received the Accredited Wealth Management Advisor (AWMA) designation from the College for Financial Planning and have received the CERTIFIED FINANCIAL PLANNER (CFP) designation. |
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What is your approach to financial planning? |
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Methodical analysis and disciplined implementation. |
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What services do you offer? |
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Portfolio Management, Financial Planning and Consulting. |
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How many clients do you currently manage? |
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My core portfolio management practice has 40 clients. Most other clients are associated with multi-participant retirement plans. |
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Will you be the only person working with me? |
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Yes, unless we require specialized services such as a CPA or Attorney.
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| Q. |
How are you compensated? How will I pay for your services? |
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All of my portfolio management compensation is fee-only. My retirement plan business is primarily commission based. |
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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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No. My portfolio management service is strictly discretionary. |
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| Q. |
Do you offer any guaranteed results? |
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| Q. |
How much risk should I be willing to take? |
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That depends on a number of factors that we can discuss. |
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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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Portfolio Management, Financial Planning & Consulting. Portfolio Management is my specialty. |
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| Q. |
What is your experience? How many clients do you currently manage? |
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My practice is structured to have a small client base. I have 40 portfolio managment clients with a target of 75 in the next two years. |
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What financial institution(s) do you represent? |
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All portfolio managment client accounts are custodied with Fidelity Investments. |
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| Q. |
How do you charge for your services? |
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As a percent of assets under management or at an hourly rate. |
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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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Although many advisors have been in the business longer than me, few have my combined education, business and financial experience. I love what I do. |
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What are your qualifications? |
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My education including an MBA with a concentration in Finance as well as an Accredited Wealth Management Advisor (AWMA) designation and CERTIFIED FINANCIAL PLANNER (CFP) designation. |
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What is your approach to Education Planning? |
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Methodical analysis and disciplined implementation. |
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How long does the process of setting up an Education Plan usually take? |
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It depends on a number of factors that we can discuss. |
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What financial institutions do you represent? |
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I am fully independent and can select from a large number of providers. |
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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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Fees vary. Call to discuss. |
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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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Knowledge, diligence and experience. |
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| Q. |
Do you provide a free initial consultation? |
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| Q. |
What are your qualifications? |
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My undergraduate degree is in Mechanical Engineering and my MBA has a finance concentration. I have received the Accredited Wealth Management Advisor (AWMA) designation from the College of Financial Planning and the CERTIFIED FINANCIAL PLANNER (CFP) designation. |
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| Q. |
What is your approach to 401 K plan rollovers? |
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Methodical analysis and disciplined implementation. |
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How long does the process of rolling over a 401K plan usually take? |
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That depends on a number of factors that we can discuss. |
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What financial institutions do you represent? |
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All portfolio managment client accounts are custodied with Fidelity Investments. |
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| Q. |
How many years of experience do you have? |
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What are your fees for this service? |
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Percent of assests under management. |
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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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Knowledge, diligence and experience. |
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Do you provide a free initial consultation? |
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