| Advisor Profile |
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Business Description |
Regardless of the types of services we provide, we operate under the following tenets:
1. Place our clients' needs first and foremost in our practice
2. Deliver financial advice unique and flexible to each individual's changing needs
3. Monitor goal attainment
4. Work to minimize clients' costs by providing efficient tax management & low cost solutions
5. Keep current on financial planning & investment techniques
In line with our business philosophy, we work with you to design and manage investment portfolios specific to your goals & needs. We accomplish this through the following approach:
1. Build a partnership with you
2. Develop an understanding of your needs
3. Understand the current economic environment
4. Analyze the markets to identify specific opportunities
5. Maintain a good understanding of the related costs
6. Communicate with our clients regularly |
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General Information |
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| Name of Custodial Firm: |
TD Ameritrade
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| States Licensed in: |
SEC registered, not state regulated
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| Years of Experience in Financial Services: |
17
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| Number of Years with Current Firm: |
3
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| I work with the following types of clients: |
Non-Profit Organizations, Businesses, Individual Investors
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| Foreign Languages Serviced: |
Spanish
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Education |
| Academic Background |
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| Bachelor of Science degree - Kennesaw State University |
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Services |
| Investment Types: |
Exchange Traded Funds (ETFs), Bonds, Stocks, Mutual Funds
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, Accredited Wealth Management Advisor(AWMA), Enrolled Agent (EA), Chartered Retirement Plans Specialist (CRPS®)
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| Securities Licenses: |
Series 65, Series 63
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| Financial Organization Memberships: |
National Association of Personal Financial Advisors (NAPFA), Financial Planning Association (FPA), NAEA
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| Non-Financial Organization Memberships: |
Plano Chamber of Commerce
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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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| Firm's Number of Clients: |
200
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| Firm's Number of Planning Clients: |
50
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| Firm's Number of Managed Clients: |
75
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Compliance |
| Registered Investment Advisor: |
Yes
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| Investment Advisor Representative: |
Yes
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| I am an acknowledged fiduciary: |
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-only financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
$200,000
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| Compensation Methods: |
Based on Assets, Hourly
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| Additional Details on Charges: |
Rates vary depending on dollar amount of assets managed.
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| Prepared By: |
Sean Monohan, CFP® |
| Most Recent Update: |
12/01/2008 |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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Yes for hourly financial planning work. We work hard to satisfy our clients to deserve the trust they place in our advice. |
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What are your qualifications? What is your education background? |
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I have over 17 years in the finance industry, both domestically and internationally. B.S. from Kennesaw State University, AWMA, CRPS, CFP, EA certifications |
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What is your approach to financial planning? |
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We provide flexible low cost solutions to each client's unique circumstances. Career changes, health issues, and many other life events cause changes in one's life; so your financial plans should be able to change with them. |
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What services do you offer? |
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Investment management, portfolio reviews, retirement planning, education planning, tax preparation/plannning/representation, Business Planning, Cash Flow planning |
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How many clients do you currently manage? |
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Will you be the only person working with me? |
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How are you compensated? How will I pay for your services? |
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Only by the client; We receive no commission for investments or insurance needs that we recommend, nor from any professionals we refer to you for further advisory needs. |
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| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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Do you offer any guaranteed results? |
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No, guaranteed investment results are not ethical and not possible. |
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| Q. |
How much risk should I be willing to take? |
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It will depend on the individual's situation. Through a combination of discussions and questionnaires, we help the client determine the level of risk required to acheive his or her goals as well as what is within the client's comfort level. |
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Have you ever been charged with any breaches? |
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What services do you provide? What are your specialties? |
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Investment management, portfolio reviews, retirement planning, education planning, tax preparation/plannning/representation, Business Planning, Cash Flow planning. |
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What is your experience? How many clients do you currently manage? |
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I have over 17 years in the finance industry, both domestically and internationally. Approximately 35-50 clients. |
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What financial institution(s) do you represent? |
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None. We are an independent fee only SEC registered advisory firm. |
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How do you charge for your services? |
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On an hourly basis or as a percent of assets under management. |
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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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We offer objective professional advice via a flexible client relationship that is specific to the client's needs. Arrangements can range from an hourly basis, as part of our small account program, or the more traditional asset under management program. |
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What are your qualifications and experience? |
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I have over 17 years in the finance industry, both domestically and internationally. B.S. from Kennesaw State University, AWMA, CRPS, CFP, EA certifications |
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Will you come to our location? |
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We are open to this arrangement. |
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What are your rates? |
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Contact us to discuss, as these rates vary on specific circumstances |
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Why should we choose you for our tax needs? |
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We work to understand you situation and apply the appropriate tax planning and preparation needs. In addition, we counsel you on what steps you can take to keep your tax preparation and advisory cost manageable. |
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What are your qualifications and experience? |
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I have over 17 years in the finance industry, both domestically and internationally. B.S. from Kennesaw State University, AWMA, CRPS, CFP, EA certifications |
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Will you come to my location? |
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Call and discuss your circumstances and we can be open to this arrangement |
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| Q. |
What are your rates? |
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Contact us to discuss, as these rates vary on specific circumstances |
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Why should I choose you for my tax needs? |
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We work to understand you situation and apply the appropriate tax planning and preparation needs. In addition, we counsel you on what steps you can take to keep your tax preparation and advisory cost manageable. |
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What are your management fees? |
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Management fees will depend on various aspects, such as assets held in the plan, number of investment options, and types of services to be provided. |
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What kind of plans do you specialize in? |
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I can work in various types of plans, such as 401K, Defined Benefit plans, and various others. |
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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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Plan type various depending on the client's needs. |
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Do you offer any additional services? |
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Various services can be provided, such as participant plan education, general financial education, and various other services. |
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What are your qualifications? |
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I have over 17 years in the finance industry, both domestically and internationally. B.S. from Kennesaw State University, AWMA, CRPS, CFP, EA certifications |
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What is your approach to Education Planning? |
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We counsel that education planning incorporates a variety of tools, one of which is a 529 or similar plan. Counseling clients on what priority education planning should be as well as what contribution the child should have are two unique perspectives we provide. |
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How long does the process of setting up an Education Plan usually take? |
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If an education plan (529, etc) is appropriate, we guide you on the most appropriate plan for you. Given that there are over 90 529 plans, the process will vary for each one. |
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What financial institutions do you represent? |
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How many years of experience do you have? |
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I have over 17 years in the finance industry, both domestically and internationally. B.S. from Kennesaw State University, AWMA, CRPS, CFP, EA certifications |
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What are your fees for this service? |
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Generally this is hourly work. For plan set up, we guide you on how you can do that yourself to save you time. Due to current 529 plan restrictions, we do not actively manage 529 plans. |
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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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Since we do not have any affiliations with a given plan provider, we can be objective as to which plan is appropriate for you or even if a 529 is the necessary. |
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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 over 17 years in the finance industry, both domestically and internationally. In addition, with tax experience we understand the rollover process and how to apply it to each client's specific situation. |
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What is your approach to 401 K plan rollovers? |
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While many are straight forward, we do gain an understanding to any specifics, such as company stock within the 401K and how that might be handled differently to the client's advantage. |
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How long does the process of rolling over a 401K plan usually take? |
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Generally a week or so, depending on the responsiveness of the 401K provider. |
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What financial institutions do you represent? |
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How many years of experience do you have? |
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I have over 17 years in the finance industry including tax and 401K plan rollovers. |
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What are your fees for this service? |
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If the plan is rolled over to an account under our asset management program or the small account program, there are no fees. |
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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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We listen to your financial priorities and how this process fits into your overall plan. We use our tax management knowledge in the proces as well as work to develop an investment plan for you. |
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Do you provide a free initial consultation? |
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