| Advisor Profile |
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Business Description |
| Clients are looking to consolidate assets with a single trusted partner utilizing a disciplined approach to providing wealth preservation, risk management and an acceptable rate of return as they move from accumulating assets and begin planning for the complex phase of developing an income generation plan. Clients expect me to be their financial problem solver. |
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General Information |
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| Insurance License#: |
009061
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| Name of Broker/Dealer: |
NBC Securities, Inc.
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| Name of Custodial Firm: |
NBC Securities, Inc.
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| States Licensed in: |
AL,CA,CO FL,GA,IL,KY,OH,TN,VA,WV
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| States Willing to do Business in: |
All the above & others as requested.
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| Years of Experience in Financial Services: |
26
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| Number of Years with Current Firm: |
12
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| Work Experience: |
Merrill Lynch, Financial Consultant 1983-1990
Signet Financial Services, Investment Advisor & Sales Manager 1990-1995
Sabbatical (world travels) 1996-1997
NBC Securities, Senior Vice President, 1997-present
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| I work with the following types of clients: |
Investment Clubs, Individual Investors, Non-Profit Organizations, Small Business retirement plans, Businesses
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| Foreign Languages Serviced: |
French, Russian
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Education |
| Academic Background |
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| BS in Business Administration, Finance major - Boston University, 1980. Dorsey Wright & Associates Point & Figure Institute 03/99, Advanced Point & Figure Institute 11/01 |
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Services |
| Investment Types: |
Separately Managed Accounts, Options & Futures, Exchange Traded Funds (ETFs), Bonds, Mutual Funds, Annuities, Stocks, Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Securities Licenses: |
Series 7, Series 24, Series 63
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| Insurance and Annuity Licenses: |
Life, Variable Annuity, Annuity, Health, Variable Life, Long Term Care
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| Non-Financial Organization Memberships: |
Alabama Ballet, board member 1999-present; board Chair 2006-2007
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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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| Assets Managed by Firm: |
$2,000,000,000
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| Advisor's Number of Clients: |
125
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| Advisor's Number of Managed Clients: |
50
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| Assets Managed by Advisor: |
$50,000,000
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Compliance |
| Registered Representative: |
Yes
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| Investment Advisor Representative: |
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: |
$100,000
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| Compensation Methods: |
Commissions, Hourly, Based on Assets
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| Additional Details on Charges: |
Compensation method is dependent on client preferences and functions performed. Asset based fee is a sliding scale, starting at 1.75% of assets under advisement.
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| Minimum Fee Charged for Managed Accounts: |
$1750
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| Minimum Fee Charged for Hourly Planning Accounts: |
$250
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| Prepared By: |
Michael Guilsher |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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Fee based clients receive a full rebate of the unallocated portion of their quarterly fee, upon termination or completion of liquidation. |
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| Q. |
What services do you provide? What are your specialties? |
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Relative strength based strategies encompassing stocks, bonds, ETFs and separately managed accounts. Specialties include: Point & Figure charting, relative strength analysis and risk management. |
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What is your experience? How many clients do you currently manage? |
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I have been advising clients since 1983 and advise approximately 125 households. |
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What financial institution(s) do you represent? |
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NBC Securities is a self-clearing firm with no proprietary products. I work with the product(s) best suited for the client. |
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| Q. |
How do you charge for your services? |
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Fee for assets under management, hourly or per transaction. |
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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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I apply a logical and disciplined approach to determining your needs and then managing your assets to fulfill your goals. Clients appreciate my regular updates. |
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What are your management fees? |
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Fees are based upon assets under advisement. |
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| Q. |
What kind of plans do you specialize in? |
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Solo 401(k), SIMPLE 401(k), 401(k) & SIMPLE IRA. |
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Do you have a minimum requirement for number of employees or total investment value? |
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What type of plans do you offer? |
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Solo 401(k), SIMPLE 401(k), 401(k) & SIMPLE IRA. |
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Do you offer any additional services? |
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I advise clients on the options available within their corporate 401(k) plan. |
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| Q. |
What are your qualifications? |
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I have been advising clients since 1983; plus I have two kids. |
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| Q. |
What is your approach to Education Planning? |
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Determine the objectives of my client. |
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| Q. |
How long does the process of setting up an Education Plan usually take? |
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What financial institutions do you represent? |
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NBC Securities is a self-clearing firm with no proprietary products. I work with the product(s) best suited for the client. |
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How many years of experience do you have? |
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What are your fees for this service? |
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Fees are determined by the providers. |
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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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I apply my discipline to determining the best solution for clients. |
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Do you provide a free initial consultation? |
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What are your qualifications? |
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I have been advising clients since 1983 and advise numerous clients on the options within their corporate 401(k). |
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What is your approach to 401 K plan rollovers? |
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I apply a logical and disciplined approach to determining your needs and then integrate these assets into the overall asset allocation. Risk management is part of the process. |
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How long does the process of rolling over a 401K plan usually take? |
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Largely dependent on the 401(k) custodian's requirements. |
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What financial institutions do you represent? |
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NBC Securities is a self-clearing firm with no proprietary products. I work with the product(s) best suited for the client. |
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How many years of experience do you have? |
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I have been advising clients since 1983. |
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What are your fees for this service? |
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Hourly, fee for assets under management or per transaction. |
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How many 401K rollover clients do you currently manage? |
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Why should I roll over my 401K plan to your firm? |
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I apply a logical and disciplined approach to determining your needs and then managing your assets to fulfill your goals. Risk management is an integral part of the process and clients appreciate my regular updates.
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| Q. |
Do you provide a free initial consultation? |
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