Tami Simpson, CRPC®, CERTIFIED FINANCIAL PLANNER™ Certificant, ADPA®
Wealth Financial Group West, Inc.

Tel: 714-617-4394

650 Town Center Dr #920
Costa Mesa, CA 92626

WFGWEST

About Wealth Financial Group West, Inc.

Our Personalized Approach

You've spent your life defining the perfect retirement

...and you've worked each day to save for it. Now it's time to ensure you can live your retirement the way you've always dreamed. What do you envision when you fall asleep? What personal goals do you have for yourself? What adventures do you want to experience? These questions to ask yourself are important, and so is the financial strategy you choose to implement. We?re here to help you develop a financial plan-a plan that might help you achieve everything you've always wanted in your life and retirement.

Define It

Defining your future retirement is the first step in achieving it. We'll help you to identify what is truly meaningful and what is important to you. Plan It

With an idealistic vision in mind, it's time to start planning your finances to successfully support that vision. It's never too early or too late to start. Live It

When you are confident in your financial plan and strategy, there's one last step. Get out there and enjoy the life you've always dreamed.

General Information

Firm Start Year:		2007
No.of Employees:		5-9
Name of Broker/Dealer:		Gradient Advisors, LLC

Name of Custodial Firm:

T.D. Ameritrade

Number of Years with Current Firm:

Work Experience:

I have been working specifically with retired or retiring couples for 12 years.

I work with the following types of clients:

Businesses, Individual Investors

Advisory Services Provided:

Financial Planning for Businesses, Financial Planning for Individuals, Retirement Planning, Portfolio Management, Financial Advice & Consulting, Annuities, Insurance Planning, 401K Rollovers

Services

Investment Types:

Exchange Traded Funds (ETFs), Mortgages & Real Estate, Bonds, Insurance, Annuities, Stocks, Mutual Funds, Socially Responsible Investments (SRI)

I can meet clients in the following ways:

At my office, At your office

Qualifications & Memberships

Insurance and Annuity Licenses:

Disability, Health, Long Term Care, Life, Annuity

Financial Organization Memberships:

Financial Planning Association (FPA)

Firm Information

Firm's Number of Clients:

600

Firm's Number of Planning Clients:

600

Firm's Number of Managed Clients:

300

Assets Managed by Firm:

$115,000,000.00

Advisor's Number of Clients:

600

Advisor's Number of Managed Clients:

300

Advisor's Number of Planning Clients:

400

Assets Managed by Advisor:

$115,000,000.00

Compliance

Registered Investment Advisor:

Yes

Registered Representative:

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 and Fees

Fee Structure:

Fee-Based

Minimum Portfolio Size for New Managed Accounts:

$250,000

Compensation Methods:

Hourly, Flat Fee, Based on Assets, Commissions

Fee % Based on Assets:

0.80%

Hourly Rate:

$250

Additional Details on Charges:

Either asset based fee or hourly rate applies. Clients are not subject to both.

Minimum Fee Charged for Managed Accounts:

0.8%

Minimum Fee Charged for Hourly Planning Accounts:

$250

Education

Masters of the Arts - Theology

Fuller Theological Seminary - Pasadena, California
1996- 2002

Associate of Science - Registered Nurse

Loma Linda University - Loma Linda, California
1976-1978

Personal Financial Planning - Personal Financial Planning

University of California Irvine - Irvine, California
2009- 2011

Faqs

Do you have a customer satisfaction or refund policy? Yes. Planning fees are refunded without question within five business days of payment and thereafter pro-rata for services rendered.
Why should I choose you as my financial advisor? CERTIFIED FINANCIAL PLANNER" Certificant,Chartered Retirement Planning Counselor (CRPC®),Accredited Domestic Partner Advisor (ADPA®) Series 65
What are your qualifications? What is your education background? Planning services are selected and designed around each clients needs and desires. Generally speaking I am a integrative, comprehensive personal financial planner.
How do you charge for your services? Comprehensive Integrative Personal Financial Planning, portfolio analysis, design and management. Asset allocation, tax management including Roth conversion and other tax reduction strategies, cash flow, budgeting, social security and pension decisions, real estate, medical and Long Term Care planning, beneficiary and inheritance provisions, advance uses of life insurance and other risk transfer strategies.
How are you compensated? How will I pay for your services? 300

FAQs

Do you have a customer satisfaction or refund policy? Yes. Planning fees are refunded without question within five business days of payment and thereafter pro-rata for services rendered.
Why should I choose you as my financial advisor? CERTIFIED FINANCIAL PLANNER" Certificant,Chartered Retirement Planning Counselor (CRPC®),Accredited Domestic Partner Advisor (ADPA®) Series 65
What are your qualifications? What is your education background? Planning services are selected and designed around each clients needs and desires. Generally speaking I am a integrative, comprehensive personal financial planner.
How do you charge for your services? Comprehensive Integrative Personal Financial Planning, portfolio analysis, design and management. Asset allocation, tax management including Roth conversion and other tax reduction strategies, cash flow, budgeting, social security and pension decisions, real estate, medical and Long Term Care planning, beneficiary and inheritance provisions, advance uses of life insurance and other risk transfer strategies.
How are you compensated? How will I pay for your services? 300
If you are going to manage my account, will you obtain my permission every time you buy or sell something? Yes for planning and advising. Other staff assists will assist me with paperwork, generating reports and administrative details.
How many clients do you currently manage? I am a fee based advisor compensated in various ways that are matched to my clients needs. Generally speaking there is a choice between an annual $2000 fee or a $250 hourly fee for planning and advising. Portfolio management fee is 80 basis points annually. (8/10 of 1%)
Will you be the only person working with me? Yes. I do not take discretion.
Do you offer any guaranteed results? No.
How much risk should I be willing to take? This is determined together based on many considerations not limited to how you feel about risk. I will work with you taking into account many things such as (1) your net worth, (2) your cash flow needs, (3) your inheritance goals, (4) tax strategies and more in order to make an informed recommendation in this regard. Generally speaking I err on the side of less risk for most of my clients as they are usually retired.
Have you ever been charged with any breaches? No
What services do you provide? What are your specialties? Comprehensive Integrative Personal Financial Planning, portfolio analysis, design and management. Asset allocation, tax management including Roth conversion and other tax reduction strategies, cash flow, budgeting, social security and pension decisions, real estate, medical and Long Term Care planning, beneficiary and inheritance provisions, advance uses of life insurance and other risk transfer strategies. I specialize in maximizing cash flow during retirement while protecting desired inheritance goals.
What is your experience? How many clients do you currently manage? I am a registered nurse, I have a Masters in Theology and am a Certified Financial Advisor. I have worked in financial services for 15 years. I currently advise approximately 300 clients.
What financial institution(s) do you represent? I am independent, not specific to any financial institution.
What is your approach to financial planning? I am a fee based advisor compensated in various ways that are matched to my clients needs. Generally speaking there is a choice between an annual $2000 fee or a $250 hourly fee for planning and advising. Portfolio management fee is 80 basis points annually. (8/10 of 1%)
What services do you offer? I think what I do well is integrate sometimes opposing financial goals such as: Spending now versus inheritance later. Taxes now verses taxes later. Taxable versus tax free income. Variable verses predictable cash flow. Retained risk versus transferred risk. Insured Savings versus Investment strategies. Liquidity needs with liquidity costs.
What are your qualifications? For years I trained with the Ed Slott IRA advisor organization. I have spent over a decade working with my clients tax deferred accounts.
What is your approach to 401 K plan rollovers? Every person needs a individualized approach.
How long does the process of rolling over a 401K plan usually take? A few days.
What financial institutions do you represent? I am independent, not specific to any financial institution.
How many years of experience do you have? 12
What are your fees for this service? Our IRA portfolio management fee is 0.8% annually.
How many 401K rollover clients do you currently manage? Hundreds
Why should I roll over my 401K plan to your firm? Truth be told I'm not sure your should. It's possible your 401k should stay right where it is.

Tami Simpson

CRPC®, CERTIFIED FINANCIAL PLANNER™ Certificant, ADPA®

Tami Simpson, CFP®, CRPC®, ADPA, is co-founder and President of Wealth Financial Group West, Inc. She is a Certified Financial Planner and is a Chartered Retirement Planning Counselor designee.

My Services

Financial Advice & Consulting

Comprehensive Integrative Personal Financial Planning, portfolio analysis, design and management. Asset allocation, tax management including Roth conversion and other tax reduction strategies, cash flow, budgeting, social security and pension decisions, real estate, medical and Long Term Care planning, beneficiary and inheritance provisions, advance uses of life insurance and other risk transfer strategies.

Financial Planning for Individuals

I think what I do well is integrate sometimes opposing financial goals such as: Spending now versus inheritance later. Taxes now verses taxes later. Taxable versus tax free income. Variable verses predictable cash flow. Retained risk versus transferred risk. Insured Savings versus Investment strategies. Liquidity needs with liquidity costs.

Financial Planning for Businesses

Experienced with taxes, cash flow and overhead considerations of small businesses which create unique financial planning challenges for the business owner's own personal financial planning. Cash flow variability and unpredictability creates unique personal financial planning challenges for the small business owner.

Office Hours

	Mon.	8:30 AM - 6:00 PM
	Tue.	8:30 AM - 6:00 PM
	Wed.	8:30 AM - 6:00 PM
	Thu.	8:30 AM - 6:00 PM

Communities Served

Aliso Viejo	Anaheim
Capistrano Beach	Corona Del Mar
Dana Point	Foothill Ranch
Fullerton	Huntington Beach
Irvine	Laguna Beach
Laguna Hills	Laguna Niguel
Lake Forest	Long Beach
Mission Viejo	Newport Beach
Newport Coast	Orange
Rancho Santa Margarita	San Clemente
San Juan Capistrano	Santa Ana
Seal Beach	Silverado
Sunset Beach	Surfside
Trabuco Canyon	Tustin
Westminster	Yorba Linda

Compensation Arrangements

Check	Money Order
Visa	MasterCard
American Express

Awards & Recognitions

Gradient Advisors
(12/31/2019)

Top Adivisor

Gradient Advisors
(2018)

Top Advisor

Brokers International
(2017)

Top Producer

Social Networks

Research This Advisor

www.finra.org	www.sec.gov
www.sipc.org	www.aicpa.org

Tami Simpson, CRPC®, CERTIFIED FINANCIAL PLANNER™ Certificant, ADPA® Wealth Financial Group West, Inc.