Business Description
Calandra Wealth Management is a Registered Investment Advisor and the cornerstone of The Calandra Group. Our group is redefining the standards for integrated professional wealth management services. We differentiate our practice by integrating all financial segments into our clients' decision making matrix. Moreover, our collective team effort serves as stewards to steer you through this complicated and daunting financial marketplace. We strive to: 1. Work extremely hard to understand our clients' motivations and financial situations 2. Empower our clients with the financial control and understanding to make educated decisions 3. Create lifelong clients by making customer service and relationships a priority, and not an afterthought Our Mission We exist to create extraordinary value in the lives of our clients' through excellent service, and strategies that help them achieve what is important about money and what matters most in their lives.
General Information Gender:    Male CRD#:    5418864 Firm CRD#:    145132 Insurance License#:    690594 Name of Broker/Dealer:    n/a Name of Custodial Firm:    Fidelity Investments/National Financial Services States Licensed in:    GA States Willing to do Business in:    GA Years of Experience in Financial Services:    15 Number of Years with Current Firm:    5 I work with the following types of clients:    Non-Profit Organizations, Businesses, Individual Investors
Education Academic Background   BBA - Marketing/Finance Georgia Southern University
Services Investment Types:    Mutual Funds, Insurance, Annuities, Stocks, Bonds, Alternative Investments, Exchange Traded Funds (ETFs)
Qualifications & Memberships Certifications, Accreditations & Designations:    Certified Annuity Specialist (CAS), Registered Financial Consultant (RFC) Securities Licenses:    Series 65 Insurance and Annuity Licenses:    Life, Annuity Financial Organization Memberships:    National Association of Insurance and Financial Advisors (NAIFA), IMCA, Financial Planning Association (FPA), Million Dollar Roundtable Non-Financial Organization Memberships:    Honorable Order of Kentucky Colonels Who's Who Among Executives and Professionals Member of Piedmont Church
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes Firm's Number of Clients:    130 Firm's Number of Planning Clients:    100 Firm's Number of Managed Clients:    100 Assets Managed by Firm:    $25 million Advisor's Number of Clients:    100 Advisor's Number of Managed Clients:    100 Advisor's Number of Planning Clients:    100 Assets Managed by Advisor:    $25 million
Compliance Registered Investment Advisor:    Yes Investment Advisor Representative:    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 Fee Structure:    I am a fee-based financial professional Minimum Portfolio Size for New Managed Accounts:    $100,000 Compensation Methods:    Commissions, Hourly, Flat Fee, Based on Assets Fee % Based on Assets:    1% Hourly Rate:    $250 Flat Fee Rate:    $1500 Minimum Fee Charged for Hourly Planning Accounts:    $250 Minimum Fee Charged for Flat Fee Accounts:    $1500
Prepared By:	Phil Calandra RFC®

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

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?

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Q.	Do you have a customer satisfaction or refund policy?
Satisfied clients is of utmost importance to our firm.

Q.	What is your approach to financial planning?
We use a discplined, proven approach to planning and wealth management and implement customized strategies that match our clients goals and objectives.

Q.	What services do you offer?
The Calandra Group is comprised of three specific entities that function to provide a comprehensive full service firm. This includes: Tax Planning and Preparation, Investment Management, Financial Planning, Retirement Planning and Precious Metals diversification.

Q.	How many clients do you currently manage?
Approximately 120

Q.	Will you be the only person working with me?
We utilize a team approach to service our clients, however, financial coaching will be specifically handle by Mr. Calandra.

Q.	How are you compensated? How will I pay for your services?
We are a fee-based firm. Payment will be rendered upon engagement.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Yes, we will only upon your directive. Unless a Limited Power of Attorney is implemented on a Tactical Money Management basis.

Q.	Do you offer any guaranteed results?
No results can be guranteed. However, there are instances when certain aspects of our planning can come with a guarantee.

Q.	How much risk should I be willing to take?
Risk tolerance and acceptibility is specific to each individual, family or business. It will be our job to help you assess your needed and wanted risk levle.

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