Business Description
American Prosperity Group provides services for: - Individuals & Families - Professionals & Businesses * Comprehensive Financial Planning * Insurance Planning * Tax Planning * Estate Tax Reduction * Retirement Planning * Investment Planning * Long Term Care Insurance * Non-Qualified Deferred Compensation Programs * Pension & Profit Sharing Plans * Disability Income Protection * Key-Person Loss Indemnification * Private Pension Plans * Buy & Sell Funding Plans * Executive Salary Continuation Programs * College Funding Programs * Charitable Gifting Strategies
General Information Gender:    Male CRD#:    5427375 Firm CRD#:    218043 Insurance License#:    198370 Name of Broker/Dealer:    BCG Securities Inc. States Licensed in:    NM, DC, MA, MD, MT, NH, VA States Willing to do Business in:    NM, DC, MA, MD, MT, NH, VA Years of Experience in Financial Services:    2 Number of Years with Current Firm:    2 Work Experience:    27 year career Naval Aviator and former Commanding Officer of Strike Fighter Squadron Two Five (VFA 25) and USS TARAWA (LHA 1). His Naval experiences include tours as a Financial Budget Analyst and Acquisition Executive within the Office of the Secretary of Defense. I work with the following types of clients:    Businesses, Individual Investors, Non-Profit Organizations
Education Academic Background   Bachelor of Arts degree in Mathematics from Wesleyan University, CT Master of Science degree in National Resource Strategy from the Industrial College of the Armed Forces, Washington DC (Distinguished Graduate).
Services Investment Types:    Mutual Funds, Insurance, Annuities
Qualifications & Memberships Certifications, Accreditations & Designations:    MS Securities Licenses:    Series 65, Series 6, Series 63 Insurance and Annuity Licenses:    Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity Financial Organization Memberships:    Financial Planning Association (FPA) Non-Financial Organization Memberships:    President of the The Society for Financial Awareness NM Chapter President of BNI Santa Fe Networking Leaders Chapter Chamber of Commerce Santa Fe, NM Toastmasters, Santa Fe Sunrise Chapter Military Officers Association of America
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 Minimum Portfolio Size for New Managed Accounts:    $50,000 Compensation Methods:    Commissions Additional Details on Charges:    APG Representatives do not charge their clients hourly fees; nor do we bind our clients with fee-based contractual obligations. Instead, we provide unlimited consultation where we collect data, share ideas and information, leading to the choice, creation and implementation of financial plans and programs that best benefit our clientele and their families.
Prepared By:	Peter Murphy

Frequently Asked Questions

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.	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 carrier(s) do you represent?

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 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.	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.	What are your qualifications? What is your education background?
Bachelor of Arts Degree in Mathematics (Wesleyan University, CT); Distinguished Graduate, Masters of Science Degree in National Resource Strategy (Industrial College of the Armed Forces, DC). Financial Industry Regulatory Authority (FINRA) Series 6, 63 and 65; NM Health, Life and Accident license.

Q.	What is your approach to financial planning?
I have a holistic approach to financial planning, incorporating my financial advice with other professionals including insurance agents, tax advisors and estate planning attorneys.

Q.	What services do you offer?
In addition for financial services, I provide life insurance and long-term care insurance.

Q.	Will you be the only person working with me?
I will be part of your team; the financial advisor. I can organize and work with other team members who are necessary to ensuring your financial success: estate planning attorney, tax advisor, insurance agents.

Q.	How are you compensated? How will I pay for your services?
I am an independent financial advisor, and I work with over a dozen different financial and insurance companies. These companies pay me directly for the opportunity to invest your assets. I don’t charge an hourly fee for my services or get paid an annual fee based on your assets under management.

Q.	Do you offer any guaranteed results?
I can not personally guarantee results, however many of the companies I work with can guarantee results based on their claims paying abilities.

Q.	How much risk should I be willing to take?
This is a personal question which can’t be answered without a consultation and risk assessment.

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

Q.	What carrier(s) do you represent?
I am an independent advisor, and I work with over a dozen different insurance companies.

Q.	How long does it take to complete the application and approval process?
An application can be completed within a day, however the approval process can take two months or more based on the insurance companies access to your medical records, doctors and any follow-up testing which may be required.

Q.	What services do you provide? What are your specialties?
In addition for financial services, I provide life insurance and long-term care insurance. My specialty in Retirement and Estate Planning.

Q.	What financial institution(s) do you represent?
I am an independent financial advisor, and I work with over a dozen different financial companies.

Q.	How do you charge for your services?
The companies I work with pay me directly for the opportunity to invest your assets. I don’t charge an hourly fee for my services or get paid an annual fee based on your assets under management.

Q.	Do you provide a free initial consultation?
I provide a free consultation and detailed retirement analysis.

Q.	Why should I choose you as my financial advisor?
I’m a 27 year military veteran (Captain, USN retired) with extensive knowledge and experience in budgeting and acquisition program management. I built my career on honesty, integrity and commitment to my clients. My no cost consultations provide you a unique opportunity to analyze my recommendations before making a decision.

Q.	What are your qualifications?
Bachelor of Arts Degree in Mathematics (Wesleyan University, CT); Distinguished Graduate, Masters of Science Degree in National Resource Strategy (Industrial College of the Armed Forces, DC). Financial Industry Regulatory Authority (FINRA) Series 6, 63 and 65; NM Health, Life and Accident license.

Q.	What is your approach to 401 K plan rollovers?
I believe in safeguarding principal investments as my clients near retirement age. For 2010 there are unique rollover opportunities based on Roth IRA law changes. Everyone considering a 401K plan rollover should understand this opportunity before rolling over 401K plan assets.

Q.	How long does the process of rolling over a 401K plan usually take?
Generally 30 days once the application is submitted.

Q.	What financial institutions do you represent?
I am an independent financial advisor, and I work with over a dozen different financial companies.

Q.	What are your fees for this service?
The companies I work with pay me directly for the opportunity to invest your assets. I don’t charge an hourly fee for my services or get paid an annual fee based on your assets under management.

Q.	Why should I roll over my 401K plan to your firm?
Since I’m independent, I work with over a dozen firms which allows you the opportunity to select the rollover plan best suited to your retirement and estate planning needs. I always make recommendations, accompanied with a detailed retirement analysis, based on your goals and shared inputs learned from our consultations.

Q.	Do you provide a free initial consultation?
I provide a free consultation and detailed retirement analysis.