Business Description
Helping families and businesses manage ,protect and grow their wealth. We want to be your personal Financial Advocate.
General Information Gender:    Male CRD#:    2633725 Firm CRD#:    30613 Name of Broker/Dealer:    Investors Capital Name of Custodial Firm:    Pershing LLC States Licensed in:    NY. NJ. FL. AZ. CA. CT. States Willing to do Business in:    ALL Years of Experience in Financial Services:    18 Number of Years with Current Firm:    5 Work Experience:    As a Financial Advisor for over 15 years, I have supervised other Financial Advisors and have seen the benefits of an actively manged portfolio verses a passive asset allocation portfolio. Having (gratefully) stepped down from management I am free to pursue what I have always loved - working with Clients, building and refining their portfolios. I work with the following types of clients:    Businesses, Investment Clubs, Individual Investors
Services Investment Types:    Insurance, Mutual Funds, Options & Futures, Exchange Traded Funds (ETFs), Annuities, Bonds, Stocks
Qualifications & Memberships Securities Licenses:    Series 63, Series 6, Series 7, Series 24, Series 66 Insurance and Annuity Licenses:    Disability, Variable Life, Long Term Care, Variable Annuity, Life, Annuity, Health Financial Organization Memberships:    Million Dollar Roundtable, Society of Financial Services Professionals
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes
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 Minimum Portfolio Size for New Managed Accounts:    $100,000 Compensation Methods:    Based on Assets, Commissions
Prepared By:	Marty Kuper

Frequently Asked Questions

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.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	How much risk should I be willing to take?

Q.	Do you provide a free initial consultation?

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Q.	What is your approach to financial planning?
The common thread in all financial Planners is to determine risk tolerance,as well as the short and long term goals . Whats distinguishes us is how we construct, implement and monitor a comprehensive plan of action. Providing "Income for life", planning for the unplanned- all with the next generation in mind.

Q.	What services do you offer?
Being a Wealth Manager for families and businesses I provide the obvious services of portfolio management, generational wealth transfer,Insurance Planning(business and personal)Through my associates I also provide comprehensive Estate Planning, Tax Planning (including the services of C.P.A. prepared tax returns).

Q.	How many clients do you currently manage?
I currently manage about 100 Families with over $30 million dollars under portfolio management.

Q.	Will you be the only person working with me?
I work directly with all clients. Every investment decision is made jointly. I personally handle all customer service issues. As needed, I will bring my team of consultants to work on special issues.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
YES. Portfolio management is a joint effort. By being in constant contact with you I remain up-to-date on any changes in your life circumstances. We are each others partner in success

Q.	How much risk should I be willing to take?
For most clients their age will reflect the minimum percentage of INDIVIDUAL Bonds in their portfolio (remember bond mutual funds do not insure a return of principal). The balance of the portfolio reflect the Equity side. Each clients needs and risk are reflected by the choices of the equity side of the portfolio.

Q.	Do you provide a free initial consultation?
Yes I do. This first consultation, is crucial for our relationship going forward into the future, and for allowing me to understand your needs. in getting to know each other we build trust.