Business Description
Mission Statement: Our purpose is to assist clients in achieving what is important to them by keeping their values the central focus of their financial planning. We put our client's needs before our own while creating detailed comprehensive financial plans using a values based financial planning process. Through this process our clients are able to concentrate on what is important to them and delegate their financial concerns to us. We treat each client as if they were a member of our family. It is our hope that this will moticate them to enthusiastically refer their friends and family to us. I am available to meet with clients at my office location: Maple Shade Commons 1781 Arona Road North Huntingdon, PA 15642 Please call to schedule an appointment. Read on for services provided.
General Information Gender:    Male CRD#:    727710 Name of Broker/Dealer:    WRP Investments States Licensed in:    PA, OH, FL, CA, DE, GA, MN, SC, AZ, NC, TN, VA States Willing to do Business in:    All states. Years of Experience in Financial Services:    29 Number of Years with Current Firm:    1+ Work Experience:    For the individual: *Fee for service planning *Federal estate tax analysis and planning *Education funding analysis *Wealth management Portfolio management services Asset allocation, strategical, tactical,and dynamic *Leases vs. buy analysis *Financial independence planning *Cash flow analysis *Tax planning *Qualified pension option analysis *Non-qualified personal retirement programs *Roth vs. traditional IRA analysis *Risk management including life and disability insurance *Investments *Annuities. For the business: *Business continuation planning *Retirement plan design and administration *Retirement plan investment management *Deferred compensation *Split dollar *Key employee insurance *Fringe benefit plans *Group life, health, and disability insurance. I work with the following types of clients:    Businesses, Individual Investors
Education Academic Background   St. Vincent College, Latrobe, PA: Bachelor of Science Degree Business Management The American College, Bryn Mawr, PA: Masters of Science in Financial Services, Charted Financial Consultant designation, Certificate in Estate Planning and Taxation, Chartered Life Underwriter designation, Certificate in Pensions and Executive Compensation Corporation for Long Term Care Certification, Newton, MA: Certification in Long Term Care Certified Financial Planning Board of Standards, Denver, CO: Certified Financial Planner.
Services Investment Types:    Managed Accounts, Mutual Funds, Insurance, Annuities, Stocks, Bonds
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Chartered Life Underwriter (CLU®), Chartered Financial Consultant (ChFC®), Masters in Financial Services (MSFS), Certified in Long-Term Care (CLTC) Securities Licenses:    Series 63, Series 6, Series 7, Series 24 Insurance and Annuity Licenses:    Variable Life, Disability, Variable Annuity, Long Term Care, HMO, Health, Property, Casualty, Accident, Annuity, Life Financial Organization Memberships:    Estate Planning Council of Pittsburgh, Financial Planning Association (FPA)
Firm Information Number of Advisors in Office:    Up to 10 employees
Compliance 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 Fee Structure:    I am a fee-based financial professional Minimum Portfolio Size for New Managed Accounts:    $50,000 Compensation Methods:    Based on Assets, Hourly, Flat Fee, Commissions Additional Details on Charges:    Minimum flat fee of $1,000 for financial plan.
Prepared By:	David Mickley

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 services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

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?
If you are unhappy with your financial plan every attempt will be made to correct it at no additional charge. If you terminate our consulting agreement within 5 days of acceptance you will receive a full refund. After, termination may occur with 30 days prior written notice. Work in progress will be stopped and documents returned. Advanced fees will be refunded less time and work performed.

Q.	What are your qualifications? What is your education background?
St. Vincent College: Bachelor of Science Degree Business Management The American College: MSFS, ChFC designation, Certificate in Estate Planning and Taxation, CLU designation, Certificate in Pensions and Executive Compensation Corporation for Long Term Care Certification: Certification in Long Term Care Certified Financial Planning Board of Standards: Certified Financial Planner TM.

Q.	What is your approach to financial planning?
I provide comprehensive fee for service financial planning for individuals and small business owners using a values driven approach. I require that anyone coming in for an initial consultation bring their spouse as well as all of their financial documents. We discuss what is important to both of you until we determine your core values and the specific goals you have that require money to achieve.

Q.	What services do you offer?
I offer various services both for the individual and business which are listed in the company profile.

Q.	How many clients do you currently manage?
Currently I have approximately 50 receiving comprehensive financial services.

Q.	Will you be the only person working with me?
You may deal with three administrative associates: David Paschel, head of client services, has a degree in Business Management, series 6 & 63 licenses, and is licensed to handle insurance and annuity products in PA. Dorinda DiBiase is the primary person handling paperwork relative to client accounts. Kristen Coulter focuses on estate planning and preparing up to date summaries for clients.

Q.	How are you compensated? How will I pay for your services?
There is no charge for our initial meeting. At this meeting we will discuss the details of your situation and how I will be compensated should you decide to hire me. I do charge a minimum fee of $1,000 for the preparation of a comprehensive financial plan and consultation over the course of one year.

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

Q.	Do you offer any guaranteed results?
No.

Q.	How much risk should I be willing to take?
You should take enough risk to reach your goals in the relative time frame. This is a major part of what I assist my clients in determining. I help investors minimize market risk by using a combination of strategic, tactical, and dynamic asset allocation.

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

Q.	What services do you provide? What are your specialties?
I offer various services both for the individual and business which are listed in the company profile and specialize in preparing comprehensive personalized financial plans.

Q.	What is your experience? How many clients do you currently manage?
I have twenty nine years of practical financial planning experience working with individuals and businesses. I also have approximately 50 receiving comprehensive financial services.

Q.	What financial institution(s) do you represent?
In my role as a registered investment advisory representative I represent my clients and assist them in finding the solutions and products that will be helpful in achieving what is important to them. I am assisted in this endeavor by my Broker Dealer; WRP Investments Inc., Member FINRA and SIPC. Through my affiliation with them I have access to many other financial institutions.

Q.	How do you charge for your services?
There is no charge for our initial meeting. At this meeting we will discuss the details of your situation and how I will be compensated should you decide to hire me. I do charge a minimum fee of $1,000 for the preparation of a comprehensive financial plan and consultation over the course of one year. All other fees will be fully disclosed when it comes to the implementation of your plan.

Q.	Do you provide a free initial consultation?
Yes.

Q.	Why should I choose you as my financial advisor?
Four reasons, 1. Caring: I care for all of my clients as if they were my own family, 2. Experience: 29 years of experience, 3. Objectivity: I am a fee for service planner working with an independent broker dealer so I have no proprietary products to sell and no quotas to reach. 4. Education: Certified Financial Planner TM.

Q.	What are your qualifications?
I have twenty nine years of practical financial planning experience working with individuals and businesses. I am also a Certified Financial Planner TM. and hold many other related credentials.

Q.	What is your approach to 401 K plan rollovers?
I only handle 401K rollovers as part of the implementation phase of a comprehensive financial plan. In a financial plan (among other things) I help my clients determine what risks are appropriate for their rollover and determine what asset allocation techniques may be most appropriate given their circumstances.

Q.	How long does the process of rolling over a 401K plan usually take?
This can vary greatly. However, once the papers from your former employer are completed and submitted two to four weeks would be average.

Q.	What financial institutions do you represent?
In my role as a registered investment advisory representative I represent my clients and assist them in finding the solutions and products that will be helpful in achieving what is important to them. I am assisted in this endeavor by my Broker Dealer; WRP Investments Inc., Member FINRA and SIPC. Through my affiliation with them I have access to many other financial institutions.

Q.	How many years of experience do you have?
Twenty Nine years of experience.

Q.	What are your fees for this service?
I assist clients with 401K rollovers as part of a comprehensive financial planning process. At the no charge initial meeting we will discuss the details of your situation and compensation should you decide to hire me. There is a minimum fee of $1,000 for the preparation of a comprehensive financial plan and consultation over the course of one year. Any costs for implementation will be disclosed.

Q.	How many 401K rollover clients do you currently manage?
Many, however, I do not handle just 401K rollovers alone. I handle them as part of a comprehensive financial plan.

Q.	Why should I roll over my 401K plan to your firm?
Four reasons, 1. Caring: I care for all of my clients as if they were my own family, 2. Experience: 29 years of experience, 3. Objectivity: I am a fee for service planner working with an independent broker dealer so I have no proprietary products to sell and no quotas to reach. 4. Education: Certified Financial Planner TM.

Q.	Do you provide a free initial consultation?
Yes.