Business Description
Walworth Financial Group (WFG) provides personalized and practical financial advice to businesses and individuals. We work primarily in S. Wisconsin and N. Illinois but we have clients in other areas as well. Our processes work through to these type of outcomes for our clients. 1. Divorce and creditor protection in an estate plan 2. Reduction of estate taxes 3. Reduction or elimination of life insurance premiums while maintaining or increasing death benefits 4. Money management with exit strategies 5. Business continuation plan 6. Distribution plans (from 401k, IRA or pension plan) to maintain income streams for life. Our clients benefit from the knowledge and experience of WFG associates, as well as our use of the many tools at our disposal. We have access to specialized products and information because of our affiliation with Harbour Investments, Inc., an independent broker dealer with over 200 registered representatives. Securities and Advisory services offered through Harbour Investments,Inc. Member FINRA/SIPC FINRA is located at www.finra.org and SIPC is located at www.sipc.org
General Information Gender:    Male CRD#:    4336750 Insurance License#:    2396040 Name of Broker/Dealer:    Harbour Investments, Inc. States Licensed in:    WI, IL, FL States Willing to do Business in:    MN Years of Experience in Financial Services:    8 Number of Years with Current Firm:    2 Work Experience:    Bio Medical Equip Tech, Loyola University, 1976-1978 Hardware Engineer, Bell Laboratories, 1978-1980 Technical Support Engineer, Beckman Instruments, 1980-1985 Mgr. of Technical Training, Harnischfeger Industries, 1986-1996 Marketing Mgr, Harnischfeger Industries, 1996-1999 Financial Advisor 2001-Present I work with the following types of clients:    Businesses, Non-Profit Organizations, Individual Investors
Education Academic Background   AAS--Western Wisconsin Technical College BA--Canterbury University
Services Investment Types:    Mutual Funds, Bonds, Stocks, Annuities, Insurance, Options & Futures, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
Qualifications & Memberships Securities Licenses:    Series 6, Series 7, Series 63, Series 65 Insurance and Annuity Licenses:    Disability, Variable Annuity, Long Term Care, Variable Life, Life, Annuity, Health Financial Organization Memberships:    National Association of Insurance and Financial Advisors (NAIFA) Non-Financial Organization Memberships:    President--Walworth County Visitors Bureau Toastmasters International
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes
Compliance Registered Representative:    Yes Investment Advisor Representative:    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-based financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $200,000 Compensation Methods:    Flat Fee, Based on Assets, Commissions, Hourly Fee % Based on Assets:    1 Hourly Rate:    $150 Flat Fee Rate:    $500
Prepared By:	Bruce Bradshaw

Frequently Asked Questions

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

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

Q.	Are there any pre-existing conditions that you can not cover?

Q.	How long does it take to complete the application and approval process?

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 is your approach to 401 K plan rollovers?

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

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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?
We do not maintain any discretionary accounts. All changes must be approved by the client.

Q.	How much risk should I be willing to take?
This depends upon your individual situation, your age, your financial condition, and mostly upon your comfort level.

Q.	Are there any pre-existing conditions that you can not cover?
Cardiac issues, cancer, or stroke are the three primary conditions that are difficult to cover.

Q.	How long does it take to complete the application and approval process?
Most applicants are presented with an offer of insurance within one month.

Q.	What services do you provide? What are your specialties?
Please see our company profile.

Q.	What is your experience? How many clients do you currently manage?
We currently manage 200+ clients allowing time for highly personalized service to each.

Q.	What financial institution(s) do you represent?
We represent a number of major funds, money managers, and insurance companies. We have access to direct participation programs, REITS, and fixed income securities.

Q.	How do you charge for your services?
I am compensated either through fees or commission depending upon how you would like to work with me.

Q.	Do you provide a free initial consultation?
Our initial meeting is free as it provides an opportunity to determine if we are a good fit in working together.

Q.	Why should I choose you as my financial advisor?
You benefit from our experience, personalized service, and continuing communications.

Q.	What is your approach to 401 K plan rollovers?
Your 401K is typically your "serious money". This asset is designated by the majority of holders to provide their essential living expenses throughout their retirement years. It is critical to design a distribution plan that will meet your income needs for the remainder of your life.

Q.	How long does the process of rolling over a 401K plan usually take?
The entire process can normally be accomplished within one month.