Business Description
The firm is a Virginia-registered RIA. I provide asset management services using no-load products. Personally, I am a CFP and an attorney. I belong to NAPFA. As a fiduciary, I put your needs first and disclose all compensation.
General Information Gender:    Male CRD#:    3046300 Firm CRD#:    140321 Name of Broker/Dealer:    Shareholders Service Group Name of Custodial Firm:    Pershing, LLC States Licensed in:    VA States Willing to do Business in:    VA, NC Years of Experience in Financial Services:    4 Number of Years with Current Firm:    2 Work Experience:    I have worked in the financial services industry with Northwestern Mutual and Fidelis Financial Planning, LLC. My legal work currently consists of family law. I have published financial planning articles in national magazines. I work with the following types of clients:    Individual Investors
Education Academic Background   Johns Hopkins University (BA) University of Maryland Baltimore County (MA) University of Baltimore (JD)
Services Investment Types:    Exchange Traded Funds (ETFs), Mutual Funds
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER (CFP®) Securities Licenses:    Series 65 Insurance and Annuity Licenses:    VA Life and Health Consultants License Financial Organization Memberships:    National Association of Personal Financial Advisors (NAPFA) Non-Financial Organization Memberships:    State Bar of Virginia
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes
Compliance Registered Investment Advisor:    Yes 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:    .75 Hourly Rate:    150 Minimum Fee Charged for Managed Accounts:    1000 Minimum Fee Charged for Hourly Planning Accounts:    0
Prepared By:	Michael Keenan
Most Recent Update:	09/19/2008

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.	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 services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

Q.	What are your qualifications?

Q.	What is your approach to 401 K plan rollovers?

Q.	How long does the process of rolling over a 401K plan usually take?

Q.	What financial institutions do you represent?

Q.	How many years of experience do you have?

Q.	What are your fees for this service?

Q.	Why should I roll over my 401K plan to your firm?

Q.	Do you provide a free initial consultation?

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Q.	Do you have a customer satisfaction or refund policy?
Yes.

Q.	What are your qualifications? What is your education background?
My undergraduate schooling was at The Johns Hopkins University. I wrote a thesis and earned an MA in History at University of Maryland Baltimore County. My law degree is from University of Baltimore. I am licensed to practice law in Maryland and Virginia. I earned the CFP in 2007.

Q.	What is your approach to financial planning?
Investors often do not realize that their current portfolio often costs much more than necessary. Costs eat away at nest eggs. Therefore, I use no-load funds and keep my fees down. I respond to the needs of the client and try to direct clients along the path of financial security.

Q.	What services do you offer?
The list is extensive. However, clients often need help with investing for retirement. I do not sell insurance of any sort, but if I identify a need, I make the appropriate recommendation.

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

Q.	How are you compensated? How will I pay for your services?
I am compensated .75% of assets that I manage, paid in quarterly increments. The fees are deducted directly from the account. If clients want to hire me on an hourly basis, then the clients write a check for services--half up front and half on completion.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
The typical arrangement is that I do not obtain permission time but that can be part of an arrangement.

Q.	Do you offer any guaranteed results?
No.

Q.	How much risk should I be willing to take?
That depends.

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

Q.	What services do you provide? What are your specialties?
The services I provide span many categories.

Q.	What is your experience? How many clients do you currently manage?
Before opening my current firm, several years ago, I worked for Northwestern Mutual. After the time with Northwestern, I practiced law for a number of years.

Q.	What financial institution(s) do you represent?
I represent only Fidelis Financial Planning, LLC.

Q.	How do you charge for your services?
I am compensated .75% of assets that I manage, paid in quarterly increments. The fees are deducted directly from the account. If clients want to hire me on an hourly basis, then the clients write a check for services--half up front and half on completion.

Q.	Do you provide a free initial consultation?
Yes, I will meet a prospect for a general discussion of their financial situation based upon a confidential questionnaire.

Q.	Why should I choose you as my financial advisor?
I am a fiduciary. As such, I put the needs of clients first, reveal all sources of compensation, and disclose any potential conflicts of interest. My clients are my solitary employer.

Q.	What are your qualifications?
I am a CFP and an attorney.

Q.	What is your approach to 401 K plan rollovers?
1. Gather data; 2. Develop IPS; 3. Implement Plan; 4. Monitor.

Q.	How long does the process of rolling over a 401K plan usually take?
A couple of weeks usually suffices.

Q.	What financial institutions do you represent?
I represent only Fidelis Financial Planning, LLC.

Q.	How many years of experience do you have?
Several.

Q.	What are your fees for this service?
I am compensated .75% of assets that I manage, paid in quarterly increments. The fees are deducted directly from the account.

Q.	Why should I roll over my 401K plan to your firm?
Fiduciary responsibility.

Q.	Do you provide a free initial consultation?
Yes, I meet prospects for a general discussion.