| Advisor Profile |
|
 |
| Request More Information |
|
|
|
|
|
|
Business Description |
My clients come first. Period.
As a Wells Fargo financial advisor, I can offer you a wide range of services, from selecting individual investments to developing a retirement plan. With access to a broad array of company resources -- including research analysts and economic and market experts -- I can help you make informed investment decisions based on your specific needs. And because I don't have any product sales quotas, I'm free to recommend the most suitable products and services for your unique situation.
Contact me if you'd like me to help you develop strategies for meeting your financial goals. |
|
| |
|
|
General Information |
|
|
|
|
| Insurance License#: |
E177586
|
|
| Name of Broker/Dealer: |
Wachovia Securities, LLC
|
|
| States Licensed in: |
FL, NY, NJ, CA, GA
|
|
| Years of Experience in Financial Services: |
5
|
|
| Number of Years with Current Firm: |
5
|
|
| I work with the following types of clients: |
Businesses, Individual Investors, Non-Profit Organizations
|
|
| |
|
|
|
Services |
| Investment Types: |
Mortgages & Real Estate, Alternative Investments, Bonds, Mutual Funds, Insurance, Annuities, Stocks, Exchange Traded Funds (ETFs), Options & Futures
|
|
| |
|
Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Accredited Asset Management Specialist (AAMS®)
|
|
| Securities Licenses: |
Series 66, Series 7
|
|
| Insurance and Annuity Licenses: |
Variable Life, Health, Accident, Annuity, Long Term Care, Variable Annuity, Life, Disability
|
|
| Non-Financial Organization Memberships: |
Citrus Club Board of Governors
|
|
| |
|
Firm Information |
| Number of Advisors in Office: |
10 - 99 employees
|
|
| Advisor's Number of Clients: |
108
|
|
| Advisor's Number of Managed Clients: |
30
|
|
| Advisor's Number of Planning Clients: |
50
|
|
| Assets Managed by Advisor: |
$21,000,000
|
|
| |
|
Compliance |
| Registered Investment Advisor: |
Yes
|
|
| 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 |
| I am a fee-based financial professional: |
Yes
|
|
| Minimum Portfolio Size for New Managed Accounts: |
$50,000
|
|
| Compensation Methods: |
Commissions, Based on Assets
|
|
| Fee % Based on Assets: |
1.25%
|
|
| Additional Details on Charges: |
My clients have the option to be charged on a transactional basis or as a fee for assets under management. Charges are discussed and applied for each clients' specific needs and goals.
|
|
| |
|
| |
| |
| Prepared By: |
Rey Descalso |
Frequently Asked Questions |
|
| Q. |
What are your qualifications? What is your education background? |
| |
AAMS: Accredited Asset Management Specialist. RPC: Retirement Plan Consultant. Master of Divinity. Bachelors in Theology |
|
| Q. |
What is your approach to financial planning? |
| |
I believe we invest our means to invest our lives with meaning. Therefore, I take a wholistic approach starting with the goals and dreams of the individual and reverse engineer a financial plan to achieve those goals. |
|
| Q. |
What services do you offer? |
| |
I offer advice on financial planning and the products that help to achieve those goals. |
|
| Q. |
Will you be the only person working with me? |
| |
Yes, I will be the your personal financial advisor. However, my assistant can also help you with many operational questions that you may have. |
|
| Q. |
How are you compensated? How will I pay for your services? |
| |
In every case, my compensation comes in the form of fees or commissions based on the assets under management. |
|
| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
| |
Yes, every time. It's your money, not mine. |
|
| Q. |
Do you offer any guaranteed results? |
|
| Q. |
How much risk should I be willing to take? |
| |
That is the key question we'll find the answer to as we work together. |
|
| Q. |
Have you ever been charged with any breaches? |
|
| Q. |
What services do you provide? What are your specialties? |
| |
My specialty is creating income for retirement. This includes growing your assets in the years leading up to retirement and a strategic plan for creating income while in retirement. |
|
| Q. |
What financial institution(s) do you represent? |
|
| Q. |
Why should I choose you as my financial advisor? |
| |
You shouldn't, yet. After we meet, we'll see if there's a fit between us. The decision to move forward must be mutual. Typically, I accept two out of every three clients that are referred to me. |
|
| Q. |
What are your management fees? |
| |
They vary from product to product. Your needs warrant specific products. |
|
| Q. |
What kind of plans do you specialize in? |
| |
Defined contribution and defined benefit. |
|
| Q. |
Do you have a minimum requirement for number of employees or total investment value? |
| |
My belief is that if there is a fit, there should be no dollar minimums or maximus. |
|
| Q. |
What type of plans do you offer? |
| |
There a few plans that I dont' offer. They vary by platfrom structure (open-architecture to group annuity) and size. |
|
| Q. |
Do you offer any additional services? |
| |
In every case, I make sure that the service providers keep my plan sponsors in 404c compliance. |
|
| Q. |
What are your qualifications? |
| |
I hold the Retirement Planning Consultant designation. This is acheived by completing comprehensive training as part of the curriculum of coursework for the Certified Financial Planner designation. |
|
| Q. |
How long does the process of rolling over a 401K plan usually take? |
| |
This depends on your 401k provider. I have seen them take as little as four days and as long as four weeks. |
|
| Q. |
Why should I roll over my 401K plan to your firm? |
| |
In order to plan for your financial future you must have the tools. I am able to provide those tools and investment options without captivity to proprietary products or limited strategies. |
|
| Q. |
Do you provide a free initial consultation? |
|
|
|
