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| Securities offered through Securities America, Inc., member FINRA/SIPC Fred F. Rogers, Registered Representative.
Advisory services offered through Securities America Advisors, Inc., an SEC Registered Investment Advisory Firm, Fred F. Rogers, Financial Advisor.
California Insurance License 0636518
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Business Description |
Rogers Wealth Planning provides financial planning and investment advice. We work with individuals—predominantly small business owners, working professionals, and retirees—as well as act as financial advisors for corporate retirement plans.
At Rogers Wealth Planning, we are different. Our Wealthcare financial planning process identifies and prioritizes your goals and objectives, analyzes and proposes realistic solutions for your circumstances and monitors your situation as the economy, the tax code, or your goals change over time. Our financial plans are designed to reduce unneeded investment risk.
We do not work for a bank, a brokerage firm, or insurance company but are completely objective and independent. We believe you get better advice since it makes you the only client we serve. Needless to say, we don’t use proprietary products.
Our reasonable compensation structure is designed to have your best interest at heart. We charge a flat fee for our financial plans. And if you decide to invest with us, we also charge a percentage of the investments we manage. In other words, if you do well, we do well. If not, then we feel the pain also. Some of our clients work with us in one area exclusively; but many utilize our expertise in both planning and investing.
We actively seek out the choices that provide you with the lowest cost, fairest tax considerations, and effective performance. We investigate these avenues thoroughly and do not recommend investment choices to you that we would not be comfortable with in our own portfolios. |
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General Information |
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| Insurance License#: |
0636518
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| Name of Broker/Dealer: |
Securities America, Inc.
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| Name of Custodial Firm: |
National Financial
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| States Willing to do Business in: |
CA
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| Years of Experience in Financial Services: |
30
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| Number of Years with Current Firm: |
8
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| Work Experience: |
2001 - Present Investment Advisor with Securities America Advisors, Inc.
1999 - 2001 Investment Advisor with Hornor, Townsend & Kent, Inc.
1993 - 1999 Investment Advisor with Ascend Financial Services, Inc.
1984 - 1993 Investment Advisor with G. R. Phelps & Co., Inc.
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| I work with the following types of clients: |
Individual Investors, Non-Profit Organizations, Businesses
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Education |
| Academic Background |
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BS U.S. Coast Guard Academy 1974
MBA Golden Gate University 2002 |
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Services |
| Investment Types: |
Separate Accounts, Bonds, Stocks, Annuities, Insurance, Mutual Funds, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, Chartered Financial Analyst (CFA), Chartered Financial Consultant (ChFC®), Registered Health Underwriter (RHU), Chartered Life Underwriter (CLU®), Life Underwriter Training Council Fellow (LUTCF)
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| Securities Licenses: |
Series 6, Series 22, Series 7
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| Insurance and Annuity Licenses: |
Variable Annuity, Long Term Care, Variable Life, Disability, Health, Life
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| Financial Organization Memberships: |
Financial Planning Association (FPA), Paladin Registry
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| Non-Financial Organization Memberships: |
Sacramento Estate Planning Council
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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| Firm's Number of Clients: |
241
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| Firm's Number of Planning Clients: |
58
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| Assets Managed by Firm: |
$10,000,000
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| Advisor's Number of Clients: |
241
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| Advisor's Number of Planning Clients: |
58
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| Assets Managed by Advisor: |
$10,000,000
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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-only financial professional: |
Yes
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| I am a fee-based financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
No minimum
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| Compensation Methods: |
Flat Fee, Based on Assets
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| Fee % Based on Assets: |
0.60 - 1.2
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| Minimum Fee Charged for Managed Accounts: |
n/a
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| Minimum Fee Charged for Hourly Planning Accounts: |
n/a
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| Minimum Fee Charged for Flat Fee Accounts: |
$750
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| Prepared By: |
Fred Rogers |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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Not specifically. But during our complementary meeting we do go over a sample financial plan so prospective clients know what to expect with their planning experience. |
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What are your qualifications? What is your education background? |
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I am a Certified Financial Planner (CFP™) and a Chartered Financial Analyst (CFA). I have an MBA from Golden Gate University. I also have licenses with various states in life, health, disability and long term care insurance and has been awarded the Chartered Life Underwriter and Chartered Financial Consultant designations from the American College in Bryn Mawr, Pennsylvania |
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What is your approach to financial planning? |
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The Wealthcare process is an approach designed to help investors like you achieve specific life goals: like retiring at 65 or saving for a child's education. This approach helps you to see your future in real terms - unclouded by financial jargon or abstract theories. We can refine your financial strategies and increase your confidence in achieving your valued goals.
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What services do you offer? |
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We offer either comprehensive financial planning or more limited planning that addresses a specific area of concern (usually insurance, investment or retirement planning). We offer a complementary introductory meeting to discuss your concerns, assess your circumstances—and if we feel we can help, quote you a fee. |
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How many clients do you currently manage? |
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We offer financial or investment planning to over 75 clients predominatly in the greater Sacramento area. |
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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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We charge a flat fee disclosed in advance for financial planning services. We charge a fee for our investment management that is calculated as a percentage of the asset value of your account.
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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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Yes--all of our accounts are non-discretionary meaning that we will contact to for your permission before any transactions are made to your account. |
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Do you offer any guaranteed results? |
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We do have clients who are risk-adverse and are invested in guaranteed contracts through insurance companies. |
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How much risk should I be willing to take? |
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The short answer is that it depends on your circumstances. Your capacity to take risk is primarily based on your time horizon--the longer before you need to access your funds the more risk you should theoretically be able to take. You ability to take risk is more determined by how well you can sleep at night with the investments you have made. |
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Have you ever been charged with any breaches? |
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What carrier(s) do you represent? |
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We represent over fifty carriers including among others such well known names as: Met Life, Mass Mutual, Prudential, Transamerica and The Hartford. |
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Are there any pre-existing conditions that you can not cover? |
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Possibly. When medical history is a concern we usually submit a TimeSaver application that simultaneously provides your medical information to over 50 carriers' underwriting department so we can find you the best offer. |
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How long does it take to complete the application and approval process? |
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It depends on your medical history and physician. Applicants that use Kaiser, for example, may take longer to have their medical history sent to the requesting carrier. Usually, though, it takes from two to four weeks from start to finish. |
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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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We provide either comprehensive planning that covers retirement, investments, estate planning, insurance and education funding. We also offer--for a lesser fee--planning to cover just one area such as retirement. |
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What is your experience? How many clients do you currently manage? |
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I have been in the financial services industry for 25 years and have 35 planning-only clients. |
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What financial institution(s) do you represent? |
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I am an investment advisor representative with Securities America Advisors, Inc., an SEC Registered Investment Advisor. |
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How do you charge for your services? |
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We charge a fee for our planning services. You can take the results of our planning and execute them with your existing stockbroker, insurance agent or by yourself. Or you can let us do it for you. It is your choice. |
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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 are one of the few advisors who use the Wealthcare process in planning your future. This is a client-friendly approach that allows you to see the impact of investment risk on your portfolio and on your long-term goals. |
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