| Advisor Profile |
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Business Description |
| I offer comprehensive Financial Planning services including retirement plannning, education planning, taxable and tax free investing, insurance and estate planning.
For businesses I also offer retirement planning services, health, life, disability insurance and business continuation planning. |
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General Information |
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| Name of Broker/Dealer: |
LPL Financial Corporation
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| States Licensed in: |
FL, MD, OH, PA
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| Years of Experience in Financial Services: |
10
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| Number of Years with Current Firm: |
2
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| I work with the following types of clients: |
Individual Investors
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Education |
| Academic Background |
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MBA, Finance - Hood College
BS, Business Management - The University of Maryland |
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Services |
| Investment Types: |
Annuities, Mutual Funds, Alternative Investments, Stocks, Bonds
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Qualifications & Memberships |
| Securities Licenses: |
Series 63, Series 6, Series 7
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| Non-Financial Organization Memberships: |
President of the Rotary Club of Latrobe, a member of the Board of Directors of the Latrobe Chamber of Commerce where he serves on various subcommittees, a member of the Board of Directors of the Chestnut Ridge American Red Cross as well as various committees and as a member of the Finance Committee at St. Cecilia's church in Whitney, PA.
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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Compliance |
| Registered 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: |
$50,000
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| Compensation Methods: |
Based on Assets
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| Prepared By: |
Joseph Horency |
| Most Recent Update: |
05/23/2008 |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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| Q. |
What are your qualifications? What is your education background? |
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I have and MBA in Finance from Hood College and have been a Financial Advisor for the last 8 years. |
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What is your approach to financial planning? |
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I work with my clients to complete a questionaire and gather as much information that I can and then make a recommendation. |
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What services do you offer? |
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Financial planning, investment management, education planning, insurance and estate 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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A fee based on net asset value of investments. |
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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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Some investments offer guarantees. |
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How much risk should I be willing to take? |
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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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Financial planning, investment management, education planning, insurance and estate planning. |
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What is your experience? How many clients do you currently manage? |
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I have and MBA in Finance from Hood College and have been a Financial Advisor for the last 8 years. Over 100 clients. |
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What financial institution(s) do you represent? |
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Many. I am not tied to any one firm. |
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How do you charge for your services? |
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It varies on the asset value. |
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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 have a solid educaiton and experience and I care about my clients long term needs. |
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What are your management fees? |
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A fee based on net asset value of investments. |
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What kind of plans do you specialize in? |
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Many. I am not tied to any one firm. |
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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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SEP, SIMPLE IRA, Indivudual 401K, 401K. |
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Do you offer any additional services? |
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Life, health, dental, vision insurance. Business continuation planning. Investor education. I am a local Financial Advisor and offer my services to the individual employees.
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What are your qualifications? |
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I have and MBA in Finance from Hood College and have been a Financial Advisor for the last 8 years. |
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What is your approach to Education Planning? |
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Discuss my clients needs and vision for their children and tailor a plan to meet them. |
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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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Many. I am not tied to any one firm. |
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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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It depends on how the assets are invested but typically a fee based on net asset value. |
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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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Do you provide a free initial consultation? |
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| Q. |
What are your qualifications? |
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I have and MBA in Finance from Hood College and have been a Financial Advisor for the last 8 years. |
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What is your approach to 401 K plan rollovers? |
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As with any investment I learn as much as I can about my client and their needs and dreams as tailor a plan to meet them. |
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How long does the process of rolling over a 401K plan usually take? |
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What financial institutions do you represent? |
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There are many as I am not tied to any one firm. |
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| Q. |
How many years of experience do you have? |
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What are your fees for this service? |
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It varies dependig on the investment vehicle. |
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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 have a solid educaiton and experience and I care about my clients long term needs. I want to be your Financail Advisor for the long haul. |
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Do you provide a free initial consultation? |
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