| Advisor Profile |
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Business Description |
| I have been working with individuals and families since 1999 to help better plan for the future while addressing today's concerns. I am an investment adviser with Liberty Asset Management. Additionally, I'm a licensed insurance producer dedicated to helping clients manage non-equity risk within the context of the planning process. |
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General Information |
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| Years of Experience in Financial Services: |
11
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| Number of Years with Current Firm: |
11
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| I work with the following types of clients: |
Individual Investors
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Services |
| Investment Types: |
Stocks, Annuities, Insurance, Mutual Funds, Bonds
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Registered Investment Advisor
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| Securities Licenses: |
Series 7, Series 6, Series 63
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| Insurance and Annuity Licenses: |
Long Term Care, Variable Annuity, Variable Life, Annuity, Health, Life
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| Financial Organization Memberships: |
Financial Planning Association (FPA)
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Firm Information |
| Number of Advisors in Office: |
Over 1000 employees
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| I work with clients as part of a team: |
Yes
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Compliance |
| Registered Investment Advisor: |
Yes
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| Registered Representative: |
Yes
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| Investment Advisor Representative: |
Yes
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| I am an acknowledged fiduciary: |
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 |
| Fee Structure: |
I am a fee-based financial professional
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| Minimum Portfolio Size for New Managed Accounts: |
$250,000
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| Compensation Methods: |
Based on Assets, Commissions
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| Fee % Based on Assets: |
1.0%
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| Prepared By: |
Loren Williams |
Frequently Asked Questions |
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| Q. |
What are your qualifications? What is your education background? |
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Insurance and securities liensed in practice for over 12 years. |
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| Q. |
What is your approach to financial planning? |
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Our philosophy ia to preserve and enhance our client's wealth by controlling risk and realizing growth through diversified and cost effective planning. As a fee only advisor, we are not owned or operated by a broker and our compensation is not based on sales commissions. |
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What services do you offer? |
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Our company offers estate planning, trust administration, tax planning and preparation, business planning and real estate. The two attorneys bring over 25 years of commbined legal experience. Our company is also insurance licensed. |
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| Q. |
How many clients do you currently manage? |
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Will you be the only person working with me? |
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There are three parnters in the advisory firm. At times you may work with all three. I will be your initial contact and advisor. |
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How are you compensated? How will I pay for your services? |
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It depends upon how you wish to work with us. If we manage your account we charge an annual fee. If you need an insurance product that would be a commission based fee. |
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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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You may set up your account either as discretionary or non-discretionary. |
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Do you offer any guaranteed results? |
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Yes, some investments have guarantees. |
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| Q. |
How much risk should I be willing to take? |
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This is dependant upon your individual situation. We will discuss risk tolerance prior to any investments being made. |
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Have you ever been charged with any breaches? |
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What services do you provide? What are your specialties? |
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Legal, tax, annuities, and securities. |
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What is your experience? How many clients do you currently manage? |
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Over 12 years. Insurance and securities licensed |
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What financial institution(s) do you represent? |
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We are independant. We can use all investments available. |
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How do you charge for your services? |
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Both fee based and commission based. |
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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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Our philosophy is passive and our fee structure is among the lowest available. |
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What are your management fees? |
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Based upon the amount being managed, fees range from .70% to 1.00% |
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What kind of plans do you specialize in? |
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Institutional and low cost index strategies. |
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Do you have a minimum requirement for number of employees or total investment value? |
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What are your qualifications? |
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12 years experience Securities and Insurance licensed. |
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What is your approach to 401 K plan rollovers? |
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Control risk by diversification and realize growth via low cost index approach. |
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How long does the process of rolling over a 401K plan usually take? |
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anywhere from a few days to a few weeks. |
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What financial institutions do you represent? |
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We use Fidelity as our custodian, but we are independant and will use a variety of low cost institutional type funds. |
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| Q. |
How many years of experience do you have? |
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What are your fees for this service? |
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Depends upon how you wish to work with us. |
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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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Our investment approach is based upon a passive philosophy and proper diversification. We attempt to bring to you the returns the markets provide. |
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Do you provide a free initial consultation? |
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