Business Description

Investments, taxes, insurance, estate planning: the list of financial concerns and considerations facing you today is seemingly endless. There are no easy answers or solutions.

We are in the business of helping clients meet all their financial challenges. We do this by using a total wealth management approach. While each area is important individually, managing each collectively is the most important consideration in your overall financial success.

Our approach is to guide you appropriately and thereby, reduce your exposure to taxes, meet your insurance needs, work toward achieving your goals, and also provide a plan to successfully transfer your wealth to your children and grandchildren.

If this method of meeting your financial dreams sounds appealing, we invite you to meet with us. Give us the opportunity to answer your questions and see if we can put your thoughts at ease for a change. Let us provide you with the information necessary to make your future decisions and then you can relax.

Most clients have been with us for 10 years or more. (References available) We provide services such as:
* Managed asset plans - for professional fee-based portfolio management through LPL Financial
* Tax-advantaged investing - to reduce your tax liability and let more of your money work for you
* Cash flow analysis - for everyday budgeting
* College planning - long-term planning to ensure you’re ready when your children are.
* Retirement planning - to design an investment strategy to help you meet all of your retirement goals.

General Information

Gender:

Female

CRD#:

2388217

Insurance License#:

RPI 961

Name of Broker/Dealer:

LPL Financial

States Licensed in:

CA, CO, FL, GA, IN, NM, SD, UT

Years of Experience in Financial Services:

Number of Years with Current Firm:

I work with the following types of clients:

Individual Investors, Businesses

Foreign Languages Serviced:

German

Education

Academic Background

Dual Bachelors Degree in Finance and Business Management, University of Colorado-Denver 1993.

Services

Investment Types:

Annuities, Insurance, Mutual Funds, Socially Responsible Investments (SRI)

Qualifications & Memberships

Certifications, Accreditations & Designations:

Certified Financial Planner (in progress), Certified College Planning Specialist(CCPS), Certified Divorce Financial Analyst(CDFA)

Securities Licenses:

Series 65, Series 6, Series 63

Insurance and Annuity Licenses:

Variable Annuity, Disability, Life, HMO, Health, Annuity, Accident, Variable Life, Long Term Care

Financial Organization Memberships:

Paladin Registry, Financial Planning Association (FPA), Society of Financial Services Professionals

Non-Financial Organization Memberships:

West Chamber of Commerce (Small Business Person of the Year Award 1997) since 1995, Golden Chamber of Commerce since 1995.

Firm Information

Number of Advisors in Office:

Up to 10 employees

I work with clients as part of a team:

Yes

Assets Managed by Advisor:

$23,200,100

Compliance

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

I am a fee-only financial professional:

Yes

I am a fee-based financial professional:

Yes

Minimum Portfolio Size for New Managed Accounts:

$100,000

Compensation Methods:

Hourly, Based on Assets

Fee % Based on Assets:

Hourly Rate:

150.

Minimum Fee Charged for Hourly Planning Accounts:

$500

Prepared By:

Renate Sterrett

Most Recent Update:

08/29/2008