| Advisor Profile |
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Business Description |
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General Information |
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| Name of Broker/Dealer: |
Waddell and Reed
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| States Willing to do Business in: |
PA
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| Years of Experience in Financial Services: |
14
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| Number of Years with Current Firm: |
1
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| I work with the following types of clients: |
Businesses, Individual Investors, Non-Profit Organizations, Investment Clubs
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Education |
| Academic Background |
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| Graduated from Guilford College with a degree in Business Management and Finance, 3.92 over G.P.A. 4.0 in my majors. |
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Services |
| Investment Types: |
Exchange Traded Funds (ETFs), Stocks, Bonds, Annuities, Insurance, Mutual Funds, Options & Futures, Alternative Investments, Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Accredited Asset Management Specialist (AAMS®)
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| Securities Licenses: |
Series 66, Series 7
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| Insurance and Annuity Licenses: |
Disability, Variable Life, Long Term Care, Variable Annuity, Health, Life, Annuity
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| Non-Financial Organization Memberships: |
American Business Women's Assocation
Friends of the Hummelstown Library
Novel Thoughts Book Club
Executive Women's Golf Association
Hershey Jr. Girls Ice Hockey Club
Black Widow's Women's Ice Hockey Club
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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| Advisor's Number of Clients: |
124
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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 |
| I am a fee-based financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
50,000
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| Compensation Methods: |
Based on Assets, Flat Fee, Commissions
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| Fee % Based on Assets: |
1.3
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| Additional Details on Charges: |
Flat fee starts at $400.00 and increases with complexity of planning case.
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| Prepared By: |
Kim Lutes |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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Yes. Financial planning have a money back guarantee for a limited time after delivery of the plan. |
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What are your qualifications? What is your education background? |
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I hold the AAMS, Accredited Asset Management Specialist, designation. I hold a degree in Business Management and Finance from Guilford College. |
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What is your approach to financial planning? |
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My approach is relationship driven. I only work with a limited number of clients in order to provide them the service they deserve. On going communication and review is critical. |
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What services do you offer? |
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Financial Planning, Investment Management, 401(k) rollovers, IRA's, Annuities, Life Insurance, Disability Insurance, Long Term Care Insurance |
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How many clients do you currently manage? |
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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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There are a variety of ways that include either flat fee, commission, or percentage of assets. |
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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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Do you offer any guaranteed results? |
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| Q. |
How much risk should I be willing to take? |
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It depends on your individual circumstances and comfort level. The financial plan is a great guideline. |
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| Q. |
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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Financial Planning, Investment Management, 401(k) rollovers, IRA's, Annuities, Life Insurance, Disability Insurance, Long Term Care Insurance |
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| Q. |
What is your experience? How many clients do you currently manage? |
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Over 10 years of experience. I hold the AAMS, Accredited Asset Management Specialist, designation. I hold a degree in Business Management and Finance from Guilford College. 124 clients. |
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What financial institution(s) do you represent? |
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Waddell and Reed is my broker dealer. I have access to a wide range of mutual fund and insurance companies. |
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How do you charge for your services? |
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There are a variety of ways that include either flat fee, commission, or percentage of assets. |
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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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I am relationship driven. You would not be one of hundreds - statistics show that an advisor can only effectively service between 100 and 150 clients. You deserve to be an A client. |
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What are your qualifications? |
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I hold the AAMS, Accredited Asset Management Specialist, designation. I hold a degree in Business Management and Finance from Guilford College. |
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| Q. |
What is your approach to Education Planning? |
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I am relationship driven. You would not be one of hundreds - statistics show that an advisor can only effectively service between 100 and 150 clients. You deserve to be an A client. |
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| Q. |
How long does the process of setting up an Education Plan usually take? |
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What financial institutions do you represent? |
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Waddell and Reed and numerous other mutual fund companies. |
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How many years of experience do you have? |
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What are your fees for this service? |
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There are a variety of ways that include either flat fee, commission, or percentage of assets. |
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| Q. |
How many Education Planning clients do you currently manage? |
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Why should I work with you on setting up an Education Plan? |
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I am relationship driven and limit my practice to a certain number of clients in order to service them effectively. |
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| Q. |
Do you provide a free initial consultation? |
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What are your qualifications? |
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I hold the AAMS, Accredited Asset Management Specialist, designation. I hold a degree in Business Management and Finance from Guilford College. |
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| Q. |
What is your approach to 401 K plan rollovers? |
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My approach is relationship driven. I only work with a limited number of clients in order to provide them the service they deserve. On going communication and review is critical. |
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| Q. |
How long does the process of rolling over a 401K plan usually take? |
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What financial institutions do you represent? |
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Waddell and Reed and numerous other mutual fund, life, and annuity companies. |
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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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There are a variety of ways that include either flat fee, commission, or percentage of assets. |
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| Q. |
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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I am relationship driven. You would not be one of hundreds - statistics show that an advisor can only effectively service between 100 and 150 clients. You deserve to be an A client. |
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| Q. |
Do you provide a free initial consultation? |
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