| Advisor Profile |
|
 |
| Research This Advisor |
|
|
| Request More Information |
|
|
|
|
|
|
Business Description |
We specialize in fee-based, comprehensive financial planning & investment management for individuals and families nearing or in the retirement phases of their lives (normally ages 50-75). We are passionate about working with clients who are interested and willing to participate in the financial planning process. Please check out our website for a thorough description of how we work.
We believe our success is not measured merely by performance statistics but also by your success in achieving your goals. |
|
| |
|
|
General Information |
|
|
|
|
|
|
|
|
| Years of Experience in Financial Services: |
12
|
|
| Number of Years with Current Firm: |
4
|
|
| I work with the following types of clients: |
Individual Investors
|
|
| |
|
Education |
| Academic Background |
| |
| BS, Business Management & BS, Aviation - San Jose State University (1995) |
|
| |
|
Services |
| Investment Types: |
Bonds, Alternative Investments, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Stocks, Annuities, Commodities, Mutual Funds, Socially Responsible Investments (SRI)
|
|
| |
|
Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, Certified Fund Specialist (CFS), Certified College Planning Specialist(CCPS), Masters in Financial Services (MSFS)
|
|
| Securities Licenses: |
Series 65
|
|
| Insurance and Annuity Licenses: |
Life, Health, Annuity, Long Term Care
|
|
| Financial Organization Memberships: |
Paladin Registry, Financial Planning Association (FPA), National Association of Personal Financial Advisors (NAPFA)
|
|
| Non-Financial Organization Memberships: |
Danville Chamber of Commerce
|
|
| |
|
Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
|
|
| Firm's Number of Clients: |
30
|
|
| Firm's Number of Planning Clients: |
30
|
|
| Firm's Number of Managed Clients: |
20
|
|
| Assets Managed by Firm: |
$10,000,000
|
|
| |
|
Compliance |
| Registered Investment Advisor: |
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 |
| Fee Structure: |
I am a fee-only financial professional
|
|
| Minimum Portfolio Size for New Managed Accounts: |
$250,000
|
|
| Compensation Methods: |
Based on Assets, Flat Fee, Hourly
|
|
| Fee % Based on Assets: |
0.8%
|
|
|
|
| Additional Details on Charges: |
From 1$ to $500,000 -- 0.80%
$500,000 to $2,000,000 -- 0.60%
the portion over $2,000,000 -- 0.40%
External Assets: 401(k), 403(b), etc., ESPP, stock options, etc.: Hourly
Financial Planning: Hourly
|
|
| Minimum Fee Charged for Flat Fee Accounts: |
$1,200
|
|
| |
|
| |
| |
| Prepared By: |
Evor Vattuone, CFP® |
Frequently Asked Questions |
|
| Q. |
Do you have a customer satisfaction or refund policy? |
| |
No. We've never needed one, however, we do have a satisfaction survey that clients respond to annually. |
|
| Q. |
What are your qualifications? What is your education background? |
| |
I've worked as a portfolio manager and financial planner for both large and small firms such as American Express Financial Advisors, Goldman Sachs, and other planning and wealth management firms in the San Francisco Bay Area. I'm a current Certified Financial Planner, Certified Fund Specialist, and Certified College Planning Specialist. |
|
| Q. |
What is your approach to financial planning? |
| |
Our planning and investment decisions are structured to maximize efficiencies and get you the largest return on your investment of time and fees with us. Although your investment portfolio is a very important part of your overall financial well-being, we make sure clients are also on the right track regarding budgeting, estate planning, insurance coverage, and overall retirement planning. |
|
| Q. |
What services do you offer? |
| |
Fee-only financial planning and investment management, real estate analysis, and retirement planning. |
|
| Q. |
How many clients do you currently manage? |
|
| Q. |
Will you be the only person working with me? |
| |
I will be working with you for 90% of the planning and investment process. |
|
| Q. |
How are you compensated? How will I pay for your services? |
| |
Fee for financial plans. Percentage of assets under management. Also, for many clients, we pro-rate fees over 12 to 18 months when needed or appropriate. |
|
| 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? |
| |
No, and anyone who does, unless they're a bank or the Federal Government, is lying to you. |
|
| Q. |
How much risk should I be willing to take? |
| |
This depends on a client's risk capacity AND their risk attitude. Capacity refers to how much risk a portfolio can tolerate before it fails, and risk attitude refers to the client's preference for or distaste for risky investments. We always look at both aspects to create a well structured financial plan. |
|
| Q. |
Have you ever been charged with any breaches? |
|
| Q. |
What is your approach to 401 K plan rollovers? |
| |
It's usually a good idea, simply due to high 401k plan fees, limited investment options, and limited flexibility of a 401k plan versus an IRA or something similar. |
|
| Q. |
How long does the process of rolling over a 401K plan usually take? |
| |
Usually one to two weeks. |
|
| Q. |
What financial institutions do you represent? |
| |
None, we're completely independent. |
|
| Q. |
How many years of experience do you have? |
|
| Q. |
What are your fees for this service? |
| |
We do not charge any fees for doing any types of rollovers or account transfers. |
|
| Q. |
How many 401K rollover clients do you currently manage? |
|
| Q. |
Do you provide a free initial consultation? |
| |
Yes, quite frequently - and it's completely non-sales driven! |
|
|
|
