| Advisor Profile |
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| Disclaimer |
| Securities offered my Metlife Securities.
Insurance products offered through MetLife and approximately 60 other insurance companies. |
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Business Description |
My typical client fits one of 2 profiles:
The first is the client who does not have the time or the desire to manage their own assets. Typically, they are in need of rolling over 401K assets or wish to consolidate their holdings and simplify their lives. They may also be in need of advise with regard to their pension options upon retirement. They are looking for objective advice from an advisor who has the knowledge to advice them in all the areas which may be of concern to them.
The second is the client who simply is dissatisfied with their current advisor. They work with me because I have the knowledge and expertise to both manage their money and advise them with regard to business or tax related issues. I also am willing to work as closely as needed with their attorney or accountant.
Most of my clients work with me because I listen to them and also have the fortitude to let them know if I feel a particular strategy is too risky or complex for their situation.
I meet with my clients face to face on a quarterly basis.
My mission is to increase your peace of mind, quality of life, and allow you to maintain your financial dignity. |
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General Information |
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| Insurance License#: |
D080074
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| Name of Broker/Dealer: |
MetLife Securities Inc.
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| Name of Custodial Firm: |
Pershing
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| States Licensed in: |
FL, SC, IN, IL, OH, MI, PA, VA, TX
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| States Willing to do Business in: |
All States
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| Years of Experience in Financial Services: |
25
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| Number of Years with Current Firm: |
2
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| I work with the following types of clients: |
Non-Profit Organizations, Individual Investors, Businesses
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| Foreign Languages Serviced: |
Spanish
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Education |
| Academic Background |
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| BA, Economics - Indiana University (Bloomington, IN) |
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Services |
| Investment Types: |
Mutual Funds, Options & Futures, Exchange Traded Funds (ETFs), Insurance, Bonds, Stocks, Annuities
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, Life Underwriter Training Council Fellow (LUTCF)
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| Securities Licenses: |
Series 66, Series 7, Series 63, Series 6
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| Insurance and Annuity Licenses: |
Variable Life, Long Term Care, Variable Annuity, Disability, Life, Health
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| Financial Organization Memberships: |
Million Dollar Roundtable, National Association of Insurance and Financial Advisors (NAIFA)
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Firm Information |
| Number of Advisors in Office: |
10 - 99 employees
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| I work with clients as part of a team: |
Yes
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| Advisor's Number of Clients: |
150
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| Advisor's Number of Managed Clients: |
75
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| Advisor's Number of Planning Clients: |
75
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| Assets Managed by Advisor: |
$20,000,000
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Compliance |
| Registered Representative: |
Yes
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| Investment Advisor 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, Commissions, Hourly, Flat Fee
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| Additional Details on Charges: |
I have managed programs for accounts ranging from $50,000. on up.
I provide face to face quarterly reviews and monthly phone contacts with all of my clients.
I help clients to set and prioritize goals.
Your concerns are what drive the planning process.
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| Prepared By: |
Gregory A. Chona, CFP® |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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Yes. If you are not satisfied with my work I provide a 100% refund no questions asked. |
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What are your qualifications? What is your education background? |
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I have been in the business of advising client's for 25 years. I have a degree in economics and my CFP designation. I have acquired specialized training in the areas of estate planning, planning for business owners and planning for families who have special needs. |
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What is your approach to financial planning? |
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I believe that the client's concerns should drive the planning process. I follow guidelines established by the Certified Financial Planner Board of Standards which basically means that if there is a potential pitfall, my job is to discuss it with my client and allow them to make an informed decision. |
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What services do you offer? |
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Money management, estate planning, insurance planning and business planning. I also offer comprehensive financial planning
I also ,os |
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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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It depends on the complexity of your situation. I have associates that I have aligned myself with which may assist me in the day to day management of your assets. However, I am the person who oversees the big picture and makes sure we are on pace to meet your objectives. |
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How are you compensated? How will I pay for your services? |
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I can work on a fee only basis, or based on the amount of assets I am managing. |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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Yes. I do not have any accounts which allow me the discretion to make changes with out first running past my client.
I do have outside money managers who manage some of my client accounts. |
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Do you offer any guaranteed results? |
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I manage my client's money as if it were my own family's. I follow sound money management principles and will take advantage of opportunities where they exist. |
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How much risk should I be willing to take? |
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It depends on how you arrived where you are today. Call me and I'll explain. |
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Have you ever been charged with any breaches? |
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Once in 25 years. After a full investigation the regulators saw no reason to take any disciplinary action against me. |
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What carrier(s) do you represent? |
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Over 60 different carriers. |
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Are there any pre-existing conditions that you can not cover? |
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Yes, depending on the carrier. |
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How long does it take to complete the application and approval process? |
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It depends on the carrier |
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Is there a maximum age that you can insure? |
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What services do you provide? What are your specialties? |
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Investment management and estate planning.
Stretch IRA and Roth Conversions- income taxes I believe will be much higher in the future. |
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What is your experience? How many clients do you currently manage? |
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What financial institution(s) do you represent? |
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How do you charge for your services? |
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I have several options depending on the level of assets. |
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Do you provide a free initial consultation? |
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Yes I do and if we need to meet more than once we will. In today's environment I feel it is important critical. |
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Why should I choose you as my financial advisor? |
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My goal is to help you attain/maintain your financial dignity. I do not feel that I need to have 1000 or more clients. I am looking for a few quality clients that I can offer my personal attention to. |
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What are your management fees? |
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It depends on the carrier that we choose together. |
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What kind of plans do you specialize in? |
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Plans for employers who have 25-500 employees. |
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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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If it exist we can handle it. |
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Do you offer any additional services? |
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Quarterly Financial Education Services for employees. |
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What are your qualifications? |
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I have advised over 600 clients on their 401k rollovers and pension options. I sold my practice in NW Indiana and moved to Sarasota in 2001. |
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What is your approach to 401 K plan rollovers? |
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Making sure you understand the rules as they apply to any company stock you may hold in the account. Making sure you |
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How long does the process of rolling over a 401K plan usually take? |
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Typically two sometimes 3 meetings. Once we initiate the rollover it takes 2 to 4 weeks depending on the company. |
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What financial institutions do you represent? |
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Depending on the size of the rollover, close to 100. |
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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 whether you wish to utilize mutual funds, ETFs, individual securities or a combination. |
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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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My knowledge of the 401k and IRA rollover rules. If you have stock in your plan you have options that are not plan specific, but allowed by the IRS. Many advisors either don't understand all of your options or fail to explain them to you. They simply decide what's in your best interest and make the decision for you. |
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Do you provide a free initial consultation? |
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