Business Description
Headquartered in New York State, Bill Losey Retirement Solutions, LLC helps pre-retirees and retirees make smart decisions that resolve existing financial problems and prevent future ones. BLRS is an independent registered investment advisory firm that caters to women and couples nationwide who seek to maximize their after-tax income, reduce post-retirement risk, and generate a predictable, sustainable, increasing stream of income they won’t outlive.
General Information Gender:    Male CRD#:    2290403 Firm CRD#:    140731 Insurance License#:    LA-790995 Name of Custodial Firm:    SEI & Charles Schwab States Licensed in:    NY States Willing to do Business in:    All States Years of Experience in Financial Services:    20 Number of Years with Current Firm:    4 Work Experience:    See FAQs I work with the following types of clients:    Individual Investors
Education Academic Background   Bachelor of Arts degree - Marist College (1986)
Services Investment Types:    Mutual Funds, Exchange Traded Funds (ETFs), Insurance, Annuities, Bonds
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Certified Retirement Coach, Certified Senior Advisor (CSA)® Securities Licenses:    Series 65 Insurance and Annuity Licenses:    Health, Life, Accident, Disability, Long Term Care Financial Organization Memberships:    Society of Certified Senior Advisors, Financial Planning Association (FPA)
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes Advisor's Number of Clients:    60 Advisor's Number of Managed Clients:    60 Advisor's Number of Planning Clients:    60 Assets Managed by Advisor:    $25-$50 million
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 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:    Flat Fee, Subscriptions, Based on Assets Fee % Based on Assets:    .50%-1.00% Flat Fee Rate:    $500-$1500 Additional Details on Charges:    All clients are given a flat fee quote so there are no surprises. Minimum Fee Charged for Managed Accounts:    .50% Minimum Fee Charged for Hourly Planning Accounts:    N/A Minimum Fee Charged for Flat Fee Accounts:    $500
Prepared By:	Bill Losey, CFP®

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.	How many clients do you currently manage?

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.	How many 401K rollover clients do you currently manage?

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?
I do not however prospective clients may speak with a few existing clients as a reference.

Q.	What are your qualifications? What is your education background?
Certified Financial Planner, Certified Senior Advisor, Certified Retirement Coach. Over 20 years experience. I am the resident retirement expert on CNBC's "On The Money" and a freelance writer for AARP.

Q.	What is your approach to financial planning?
I perform a S.W.O.T. analysis for all clients. I identify a persons Strengths, Weaknesses, Opportunities, & Threats and discuss various strategies and solutions with my clients. It is a very collaborative process and relationship.

Q.	What services do you offer?
Fee-only investment management; flat-fee consulting and coaching

Q.	How many clients do you currently manage?
60 clients now. I have a small client base and am very selective about who I work with. My goal is to deliver impeccable service through personal attention and ongoing, proactive communication.

Q.	Will you be the only person working with me?
Yes; although I may refer you to outside experts such as a CPA, estate planning attorney or LTC strategist, if necessary.

Q.	How are you compensated? How will I pay for your services?
Fee-only on investment portfolios I manage or flat-fee for consulting work I perform. Most consulting packages are between $500-$1500. Retainer clients pay anywhere from .50% to 1% annually based upon the size of their portfolio.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Yes - I am a non-discretionary investment manager and will talk with you before making any changes to your portfolio.

Q.	Do you offer any guaranteed results?
No - by law we are NOT allowed to make any guarantees.

Q.	How much risk should I be willing to take?
Each persons situation is unique and different like their fingerprints. I have a unique risk profiling process that gets to the heart of how you "feel" about risk. Once we've completed that process and I've educated you, I will suggest portfolios that are appropriate given the information you've shared with me.

Q.	Have you ever been charged with any breaches?
Never!

Q.	What services do you provide? What are your specialties?
Fee-only investment management; flat-fee consulting and coaching. Specialty is working with individuals age 50-65 who are retired, retiring, or would like to retire within 10 years.

Q.	What is your experience? How many clients do you currently manage?
Over 20 years experience. I am the resident retirement expert on CNBC's "On The Money" and a freelance writer for AARP. I currently work with 60 clients with the goal of getting to 100 clients over the next 4 years. I usually only accept one new client per month so I can control my growth and continue to deliver personal attention and impeccable service to my existing clients.

Q.	What financial institution(s) do you represent?
None. At BLRS, we are first and foremost a fee-only advisory firm. We have no proprietary products or sales quotas. We are advice-based and service-minded. If clients choose to implement solutions with BLRS, we can literally pick and choose investment and insurance vehicles from many companies with virtually no restrictions, so we can do what’s right for our clients.

Q.	How do you charge for your services?
Fee-only on investment portfolios I manage or flat-fee for consulting work I perform. Most consulting packages are between $500-$1500. Retainer clients pay anywhere from .50% to 1% annually based upon the size of their portfolio.

Q.	Do you provide a free initial consultation?
No. I do however offer a free initial exploratory meeting so we can get to know each other and determine if we are a good fit for each other.

Q.	Why should I choose you as my financial advisor?
I'm large enough to serve you yet small enough to know you. I provide attention to detail and impeccable service. I do not have an army of secretaries and administrative assistants screening my calls. When you call you get me. All calls and emails are returned within minutes and hours, not days and weeks.

Q.	What are your qualifications?
Certified Financial Planner, Certified Senior Advisor, Certified Retirement Coach. Over 20 years experience. I am the resident retirement expert on CNBC's "On The Money" and a freelance writer for AARP.

Q.	What is your approach to 401 K plan rollovers?
I will personally help you evaluate your options so you’re educated and informed, and your choice is clear and correct. And if you choose to rollover your money to an IRA: I'll contact your employer, obtain the required paperwork, help you complete it, I'll notarize it, ship it, track it, and help you avoid IRS penalties & unnecessary taxes.

Q.	How long does the process of rolling over a 401K plan usually take?
1-4 weeks depending on your employer and the former custodian

Q.	What financial institutions do you represent?
None. At BLRS, we are first and foremost a fee-only advisory firm. We have no proprietary products or sales quotas. We are advice-based and service-minded. If clients choose to implement solutions with BLRS, we can literally pick and choose investment and insurance vehicles from many companies with virtually no restrictions, so we can do what’s right for our clients.

Q.	How many years of experience do you have?
20+ years

Q.	What are your fees for this service?
Most consulting packages are between $500-$1500. Retainer clients pay anywhere from .50% to 1% annually based upon the size of their portfolio.

Q.	How many 401K rollover clients do you currently manage?
Approximately 30

Q.	Why should I roll over my 401K plan to your firm?
I'm large enough to serve you yet small enough to know you. I provide attention to detail and impeccable service. I do not have an army of secretaries and administrative assistants screening my calls. When you call you get me. All calls and emails are returned within minutes and hours, not days and weeks.

Q.	Do you provide a free initial consultation?
No. I do however offer a free initial exploratory meeting so we can get to know each other and determine if we are a good fit for each other.