Business Description
The ORRGROUP provides all-inclusive Fee-Only independent financial planning and investment management services to individuals and businesses. We are located in Orlando, Florida. ORRGROUP provides it's financial planning services on a Fee-Only basis using an hourly-rate billing method. Being Fee-Only means that we do not accept commission compensation or any compensation from third-parties, such as insurance companies or mutual fund companies. For investment management services, our Fee-Only rate is calculated as a percentage charge of assets under our direct management. One of the most experienced advisors in Central Florida, Andrew Orr has a board certification in Financial Planning and a designation of CERTIFIED FINANCIAL PLANNER (CFP), awarded by the CFP Board of Standards in Denver, CO. In addition, Andrew Orr has earned the Accredited Investment Fiduciary (AIF) accreditation from the Center for Fiduciary Studies, which awards the AIF to advisers who employ the highest standards of care, fiduciary standards, in the carrying out of their investment management and financial planning responsibilities. And the American College in Bryn Mawr, PA has awarded Andrew Orr the joint professional designations of Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC), specifying an expertise in the insurance field. However, ORRGROUP is Fee-Only and does not sell insurance products. You can contact AndrewOrr, CFP, CLU, ChFC, AIF by calling the ORRGROUP office at 321-332-7179.
General Information Gender:    Male CRD#:    141122 Firm CRD#:    141122 States Licensed in:    Florida and Virginia Years of Experience in Financial Services:    17
Education Academic Background   Bachelor of Science in Marketing, Florida State University
Services Investment Types:    Mutual Funds, Stocks, Bonds
Qualifications & Memberships Certifications, Accreditations & Designations:    Registered Investment Advisor (RIA) (State or SEC) or RIA representative, Certified Financial Planner, Chartered Financial Consultant, Chartered Life Underwriter Securities Licenses:    Series 63
Firm Information Number of Advisors in Office:    Up to 10 employees Assets Managed by Firm:    $23million
Compensation & Fees Minimum Portfolio Size for New Managed Accounts:    $0 Compensation Methods:    Hourly, Based on Assets Fee % Based on Assets:    varies Hourly Rate:    150 Additional Details on Charges:    Tier Step Amount ($) Annual Fee (percent of assets) 1. on first $500,000 0.90 2. on next $500,000 0.75 3. on next $1 million 0.60 4. on next $2 million 0.45 5. on next $2 million 0.30 6. on next $4 million 0.25 7. on > $10 million 0.20
Prepared By:	Andrew Orr, CFP®, CLU, ChFC, AIF
Most Recent Update:	08/25/2008

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 are your management fees?

Q.	What kind of plans do you specialize in?

Q.	Do you have a minimum requirement for number of employees or total investment value?

Q.	What type of plans do you offer?

Q.	Do you offer any additional services?

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Q.	Do you have a customer satisfaction or refund policy?
Yes, please see financial planning and investment advisory agreements for specifics.

Q.	What are your qualifications? What is your education background?
CFP (Certified Financial Planner), AIF (Accredited Investment Fiduciary), CLU (Chartered Life Underwriter), ChFC (Chartered Financial Consultant), BS - Marketing 1991 (Florida State University)

Q.	What is your approach to financial planning?
We provide an all-inclusive financial planning service through our 'objectivity included(tm)' Fee-Only approach to planning. This means we impartially focus on all aspects of a client's situation including tax, cash management, retirement, investment, and estate planning. Accepting no forms of third-party compensation ensures client's receive complete objectivity in the advice we give.

Q.	What services do you offer?
All-inclusive financial planning services, Investment management services, and 401k plan advisement services. All services are Fee-only and 'Objectivity Included(tm)'.

Q.	How many clients do you currently manage?
Over 400 participants of 401k plans, over 13 companies engaging us to provide 401k services, and over 50 individual planning client families.

Q.	Will you be the only person working with me?
Yes

Q.	How are you compensated? How will I pay for your services?
We are strictly Fee-Only. For all-inclusive financial planning services we bill at a professional-hourly rate of $150. Investment management services are billed based on a % rate based on client investment assets under our management. 401k services are based similarly on a % rate based upon plan assets.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Yes, we do not accept 100% discretionary authority. We feel you should be 100% involved in all buy-sell decisions.

Q.	Do you offer any guaranteed results?
No. No advisor will be able to do that as capital markets are not predictive. Indeed, they move randomly in the short term.

Q.	How much risk should I be willing to take?
As much as your Risk Capacity can handle. ORRGROUP adds value through matching people with portfolios by carefully qualifying and quantifying 5 dimensions of an investor's Risk Capacity and matching it to 5 dimensions of a portfolio's Risk Exposure.

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

Q.	What are your management fees?
.50% of assets annually (billed quarterly in advance).

Q.	What kind of plans do you specialize in?
Any 401k, large or small.

Q.	Do you have a minimum requirement for number of employees or total investment value?
No. We do not discriminate by rejecting startup plans or small employers. People are people regardless of where they work.

Q.	What type of plans do you offer?
401k, 403b, and other qualified retirement plans.

Q.	Do you offer any additional services?
Comprehensive and objective financial education services, including multiple in-person workshops taught at the workplace, are included with all plans.