| Advisor Profile |
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| Name: |
Carolyn Howard, CFP® |
| Phone Number: |
(781) 325-1233 |
| Website: |
Visit Website
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Business Description |
Like many people with considerable wealth and success, you find that your life has become unexpectedly complex. Maybe you are pressed by the increasing demands of managing your finances and directing your career. Maybe you’re in a major life transition and you need someone to help you determine your options. Or maybe you would like to simply spend more time with your family or engage your personal interests.
Whatever your situation, Pegaesus Advisors manages the financial and personal complexities of your life. We give you the opportunity to prioritize and focus on what is most important to you. Pegaesus Advisors engages clients in a comprehensive financial planning process that accurately unites their money with their lives.
Using an approach that focuses on deep meaningful relationships, we help our clients create a life-relative plan, and conduct frequent financial evaluations throughout an ongoing consultative relationship. We periodically benchmark the success of the plan exclusively on its ability to meet our clients’ life goals.
Imagine having your wealth without the worries; living your life with greater balance and purpose. Pegaesus Advisors is for people like you whose next important decision is how to live the rest of their lives. |
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General Information |
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| Insurance License#: |
174324
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| States Licensed in: |
MA, FL
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| Years of Experience in Financial Services: |
16
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| Number of Years with Current Firm: |
6
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| Work Experience: |
Classroom teacher for 17 years
Financial Services for 16 years
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| I work with the following types of clients: |
Businesses, Individual Investors, Non-Profit Organizations
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Education |
| Academic Background |
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BS in Chemistry - University of KY
MEd in Science Education - Boston University
Certification in Financial Planning - Northeastern University |
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Services |
| Investment Types: |
Insurance, Bonds, Stocks, Annuities, Mutual Funds, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, Registered Financial Consultant (RFC)
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| Insurance and Annuity Licenses: |
Life, Long Term Care, Annuity
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| Financial Organization Memberships: |
Financial Planning Association (FPA)
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| Non-Financial Organization Memberships: |
MIT Women's League
Enka Society (Community Service Organization_
Friend of Park Street Church
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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: |
120
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| Firm's Number of Managed Clients: |
80
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| Assets Managed by Firm: |
$42,2 Million
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| Advisor's Number of Clients: |
175
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| Advisor's Number of Managed Clients: |
60
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| Advisor's Number of Planning Clients: |
115
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| Assets Managed by Advisor: |
$35.0 million
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Compliance |
| Registered Investment Advisor: |
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: |
$500,000
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| Compensation Methods: |
Hourly, Flat Fee, Commissions, Based on Assets
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| Fee % Based on Assets: |
Varies
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| Additional Details on Charges: |
Financial Planning fees can be flat fees based on scope of work with additional 6 months of access to Pegaesus Advisors for implementation.
Asset Management is based on the amount of the assets. Maximum fee is 1%.
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| Minimum Fee Charged for Hourly Planning Accounts: |
$200/hour
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| Minimum Fee Charged for Flat Fee Accounts: |
$3,500.00
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| Prepared By: |
Carolyn Howard, CFP® |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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What are your qualifications? What is your education background? |
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Pegaesus has five advisors, all of whom are Cerfified Financial Planner practitioners and each with more than a decade of experience in financial planning. For more information on each advisor's education, credentials, and background, please see their individual biographies on our website at www.pegaesusadvisors.com. |
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What is your approach to financial planning? |
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We believe in an in-depth interview process to help a client identify their most important personal and professional goals, and their life purpose. We look at all aspects of a client's financial life, use our collective experience and our network of professionals to design a plan, and coach clients through different options so they can make informed decisions about what is truly best for them. |
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What services do you offer? |
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Planning for a personally fulfilling retirement and other life goals.
Extensive education planning and college funding options for families.
Advice to help you protect what you've worked hard to achieve.
Goals-based investment planning, establishing separate portfolios for each distinct goal.
Life transitions - a career change, divorce, birth of a grandchild or becoming "suddenly single" |
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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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No. While each client has a primary advisor they typically work with, we believe strongly in a team approach. We collaborate with each other and share ideas with a singular focus on providing multiple solutions and services for our clients. We also create a wealth management team to help you implement your plan by drawing from our extensive network of industry leading professionals. |
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How are you compensated? How will I pay for your services? |
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We are fee based. Financial planning is offered for a flat fee or on an hourly basis. Investment planning fees are based on a percentage of assets under management. |
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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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It depends on the client's preference and the investment plan we mutually decide on. |
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Do you offer any guaranteed results? |
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No, because life is unpredictable. As a result to this, we believe that planning is a lifetime process, not a one time activity. |
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How much risk should I be willing to take? |
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There is no single answer to this question as there are different types of risk. A common definition of risk is a decline in portfolio value, but another risk is outliving ones assets. Our job is to educate our clients on the kinds of risk they face, the trade-offs of assuming differing levels of risk, and help them find a risk level they are comfortable with. The client ultimately decides. |
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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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Planning for a personnaly fulfilling retirement and other life goals.
Extensive education planning and college funding options for families
Advice to help you protect what yo've worked hard to achieve.
Goals-based investment planning, establishing separate portfolios for each distinct goal.
Life transitions - a career change, divorce, birth of a grandchild or becoming "suddenly single". |
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| Q. |
What is your experience? How many clients do you currently manage? |
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Pegaesus has five advisors, all of whom are Certified Financial® Planner practitioners and each with more than a decade of experience in financial planning. For more information on each advisor's education, credentials, and background, please see their individual biographies on our website.
We have approximately 150 clients. |
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What financial institution(s) do you represent? |
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We are independent and don't "represent" any financial institutions. We do use third party custodians to hold all of our client assets. They include SEI Private Trust Company, Charles Schwab, Fidelity and TD Ameritrade. |
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How do you charge for your services? |
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We are fee based. Financial planning is offered for a flat fee or on an hourly basis.
Investment planning fees are based on a percentage of assets under management. |
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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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We have the collective experience (5 CFP's each with 10+ yrs exp.), independence, client service, and caring nature most clients seek. We work with professionals (e.g. attorneys, CPAs, elder care planners, education planners) to meet our client's diversified needs. We've invested heavily in technologies to provide high-end service, including on-line account access and account aggregation. |
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What are your qualifications? |
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Pegaesus have five Certified Financial Planner® practitioners with decades of expeerience in education planning. For more information on each advisor's education, credentials, and background, please see our website. We have the capabilities and experience for education planning including and through college funding strategies. We help clients prepare for financial aid selection. |
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What is your approach to Education Planning? |
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We believe in an in-depth interview process to help a client identify goals for the child's education. We look at all aspects of a client's financial life, use our collective experience and professionals (such as college planners and school selection specialists) to design a plan, and coach a client through different options so they can make informed decisions about what is truly best for them. |
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How long does the process of setting up an Education Plan usually take? |
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The process varies by the client's needs. The process could take as little as a few weeks to establish. The process if often ongoing, especially if you start planning at a child's early age, to allow us to take into consideration tax and economic changes. We will work alongside you to make sure your Education Plan is always up to date. |
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What financial institutions do you represent? |
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We are independent and don't "represent" any financial institutions. We do use third party custodians to hold all of our client assets. They include SEI Private Trust Company, Charles Schwab, Fidelity and TD Ameritrade. |
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How many years of experience do you have? |
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Please refer to our website www.pegaesusadvisors.com for specifics on our experience. |
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What are your fees for this service? |
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We are fee based. Financial planning is offered for a flat fee or on an hourly basis. Investment planning fees are based on a percentage of assets under management. |
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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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We are all very experienced in education planning and use outside professionals to strengthen our position. We can assist you at the early stages of planning to help you prepare and save efficiently for the child's education. Or, we can assist you at the later stages to help the child qualify for scholarships and grants. |
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Do you provide a free initial consultation? |
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What are your qualifications? |
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Pegaesus has five advisors, all of whom are Certified Financial Planners® practitioners and each with more than a decade of experience in financial planning. For more information on each advisor's education, credentials, and background, please see their individual biographies on our website at www.pegaesusadvisors.com |
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What is your approach to 401 K plan rollovers? |
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We look at the goals of the client, their time horizon, and their risk profile to determine how best to invest a 401(K) rollover. |
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How long does the process of rolling over a 401K plan usually take? |
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It is employer dependant. On average, it typically takes 2-4 weeks. |
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What financial institutions do you represent? |
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We are independent and don't "represent" any financial institutions. We do use third party custodians to hold all of our client assets. They include SEI Private Trust Company, Charles Schwab, Fidelity and TD Ameritrade. |
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How many years of experience do you have? |
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Collectively, we have over 70 years of experience managing 401(K) plan rollovers. |
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What are your fees for this service? |
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We are fee based. Financial planning is offered for a flat fee or on an hourly basis. Investment planning fees are based on a percentage of assets under management. |
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How many 401K rollover clients do you currently manage? |
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Most of our clients come to us with an employer 401(K) or other qualified plan on which we advise. |
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Why should I roll over my 401K plan to your firm? |
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There are many reasons. First, we can develop an investment strataegy for your short term income needs (if close to retirement) and your longer term goals. Next, we can provide you with better diversification by offering additional asset class choices and many more mutual funds or even stocks. Lastly, by moving your 401(K) you will reduce the costs inherent to an employer-sponsored 401(K). |
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Do you provide a free initial consultation? |
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