Business Description
A PLAN FOR ALL SEASONS When do you need to develop a financial plan? Now, more than ever. Whether you are 25 with a 401(k) or 50 with a far more complex financial portfolio, you need a plan that guides everything. You need an in-depth understanding of how your assets, liabilities, income, expenses, spending habits, and taxes impact your overall financial well-being. And you need to understand that plan in today's financial world, as well as tomorrow's. For more than 30 years, the financial team at CFPI has been partnering with clients and offering objective, unbiased advice geared solely toward meeting our clients' financial goals. Our access to a vast array of investment solutions allow us to serve a vast array of clients. We truly understand all investors need to start somewhere and they need the right advice along the way. We take pride in our independence, and our ability to provide our clients with easy to understand, objective, and unbiased financial advice in what can be a confusing and complex world of finance. Because we work on a fee basis, you won't face a high pressure sales enviornment here. We look forward to meeting you!
General Information Gender:    Male CRD#:    4417406 Firm CRD#:    109724 Insurance License#:    2413183 Name of Broker/Dealer:    WRP Investments, Inc. Name of Custodial Firm:    Fiserv ISS States Licensed in:    WI States Willing to do Business in:    WI Years of Experience in Financial Services:    8 Number of Years with Current Firm:    6 I work with the following types of clients:    Businesses, Individual Investors
Services Investment Types:    Insurance, Bonds, Stocks, Mutual Funds, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    Registered Financial Consultant (RFC):, CERTIFIED FINANCIAL PLANNER (CFP®) Securities Licenses:    Series 66, Series 7 Insurance and Annuity Licenses:    Accident, Casualty, Property, Disability, Variable Life, Long Term Care, Variable Annuity, Annuity, Life, Health
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes Firm's Number of Clients:    200 Firm's Number of Planning Clients:    50 Firm's Number of Managed Clients:    50 Advisor's Number of Clients:    200 Advisor's Number of Managed Clients:    50 Advisor's Number of Planning Clients:    50
Compliance Registered Investment Advisor:    Yes Registered Representative:    Yes Investment Advisor Representative:    Yes I am an acknowledged fiduciary:    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 I am a fee-based financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    0 Compensation Methods:    Flat Fee, Hourly, Commissions, Based on Assets Fee % Based on Assets:    1 Hourly Rate:    $100-150 Additional Details on Charges:    Privately managed accounts require 100K minimum investment and operate on an asset management fee basis. Commissionable accounts will typically utilize mutual fund A shares across a wide variety of asset classes.
Prepared By:	Chad Nehring

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 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?

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Q.	Do you have a customer satisfaction or refund policy?
We do not use products with surrender charges or fees. If clients choose to work with other advisors, we do not restrict that movement.

Q.	What are your qualifications? What is your education background?
Both planners in our office are Certified Financial Planner (tm) practitioners and hold securities and insurance licenses.

Q.	What is your approach to financial planning?
We approach what can be a very complex topic and reduce it to understandable information. We take the approach that a client should be familiar with all aspects of their financial plan, including aspects not directly related to their investments.

Q.	What services do you offer?
Financial Planning, Investment Management, 401(k) advisory services, life/disability/Long Term care insurance,

Q.	How many clients do you currently manage?
Approximately 200 active clients.

Q.	Will you be the only person working with me?
We work in a team enviornment, so our three person office will be familiar with your case but you will have one main contact.

Q.	How are you compensated? How will I pay for your services?
We charge fees for our financial planning services. For investment management, we work primarily on a fee basis, but will work in a commission enviornment if it makes financial sense for the client.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Typically, yes. An exception might be for regular quarterly rebalancing.

Q.	Do you offer any guaranteed results?
Yes, we guarantee that you will pay taxes, and we guarantee that you'll die someday! Seriously, other than some limited use of insurance products, we make no guarantees.

Q.	How much risk should I be willing to take?
The amount of risk an investor takes is an individual decision. It can even vary between husband and wife.

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

Q.	What are your qualifications?
Both planners in our office are Certified Financial Planner (tm) practitioners and hold securities and insurance licenses.

Q.	What is your approach to 401 K plan rollovers?
Because many 401(k) rollovers will eventually turn into a "retirement paycheck" we approach each rollover from that standpoint. A younger person with a rollover is likely not to need immediate distributions, and thus might have a different investment goal.

Q.	How long does the process of rolling over a 401K plan usually take?
Much depends on the sponsor of the 401(k) and their paperwork requirements. It's not an overnight process, but can generally be accomplished within 30 days.

Q.	What financial institutions do you represent?
As an independent Registered Investment Advisor, we have access to numerous institutions and are not subject to just one or two providers.

Q.	How many years of experience do you have?
8 years, backed by the principal of the firm with 34 years of experience.

Q.	What are your fees for this service?
Generally, we charge an asset managment fee of 1% per year, that encompasses all other fees (trading, reporting, etc). These fees are debited directly from the account, and depending on your tax situation, may be deductible.

Q.	How many 401K rollover clients do you currently manage?
About 150 clients.

Q.	Why should I roll over my 401K plan to your firm?
Because we charge fees, we feel that we are able to provide independent, objective advice about your 401(k) rollover without the sales pressure of a commission based broker.

Q.	Do you provide a free initial consultation?
Absolutely! We also have evening appointments available.