When your life savings are at stake, you need advice you can trust. You need a financial advisor who is objective; someone who is not paid more to sell you one product rather than another. You need a relationship with a firm that promises always to put your interest first, a firm with proven experience and the right credentials. Life Certain Wealth Strategies, LLC. offers you all this and much more.
|Firm Start Year:||2001|
|Name of Broker/Dealer:||Woodbury Financial Services, Inc.|
|Name of Custodial Firm:||Pershing, LLC|
|States Licensed in:||CO, AK, NY, NJ, IL, IN, OH, FL, CA, GA, KS, NM, TX, WY, AZ|
|Number of Years with Current Firm:||11|
|Work Experience:||experienced Certified Financial Planner Practitioner. I employ the 6 step financial planning process endorsed by the Certified Financial Planner Board of Standards and adhere to their code of ethics|
|I work with the following types of clients:||Individual Investors , Non-Profit Organizations , Businesses|
|Foreign Languages Serviced:||Spanish|
|Investment Types:||Bonds , Stocks , Mutual Funds , Options & Futures , Alternative Investments , Exchange Traded Funds (ETFs) , Annuities , Insurance , Options , Socially Responsible Investments (SRI)|
|I can meet clients in the following ways:||At my office|
Qualifications & Memberships
|Insurance and Annuity Licenses:||Variable Annuity , Variable Life|
|Financial Organization Memberships:||Paladin Registry , Financial Planning Association (FPA) , Million Dollar Roundtable , National Association of Insurance and Financial Advisors (NAIFA)|
|Firm's Number of Clients:||245|
|Firm's Number of Planning Clients:||84|
|Firm's Number of Managed Clients:||139|
|Advisor's Number of Clients:||98|
|Assets Managed by Advisor:||$150,000,000|
|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 and Fees
|Fee Structure:||I am a fee-based financial professional|
|Compensation Methods:||Based on Assets , Commissions , Flat Fee , Hourly|
|Fee % Based on Assets:||0.95%|
|Minimum Fee Charged for Managed Accounts:||N/A|
Securities and Investment Advisory Services offered through Woodbury Financial Services, Inc. Member FINRA, SIPC and Registered Investment Adviser. Life Certain Wealth Strategies, LLC and Woodbury Financial Services, Inc are not affiliated entities
. Herb White is founder and president of Life Certain Wealth Strategies. He is a Certified Financial Planner?, a respected speaker and author with a B.A. in Economics and a Masters in Business Administration. Herb?s mission is to help clients build and maintain wealth and assist them in achieving their financial goals by using time tested strategies and providing objective financial guidance. Herb is committed to helping his clients understand their investment options and alternatives. With nearly 20 years of financial planning experience, Herb has been featured numerous times on Denver television stations KUSA (channel 9), KMGH (channel 7), KCNC (channel 4), and KDVR (channel FOX 31). His financial articles and quotes have appeared locally and nationally in publications including: Accounting Today, Denver Business Journal, National Underwriter, Northern Colorado Business Report, American Banker, 5280 Magazine, Advisor Today, Investment News and many others. Herb is a member of The Financial Planning Association, The National Association of Insurance and Financial Advisors and he has the professional designations Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), Certified Financial Planner? (CFP), and Series 4, 7, 24, 63, and 65 securities licenses. His personalized advisory services include: Comprehensive Financial Planning, Stock Option Exercise Planning, Pre and Post Retirement Income Distribution Planning and Risk Management Strategies. Securities and Investment Services offered through Woodbury Financial Services member FINRA, SIPC and a Registered Investment Advisor. Life Certain Wealth Strategies and Woodbury Financial Services are not affiliated entities.
Financial Planning for Individuals
When we provide you with financial planning, we define the scope of the work that we will do, explain and document the services we will provide, discuss the method of compensation, discuss your tolerance for financial risk, gather all necessary financial information about you, then develop and present financial planning recommendations and/or alternatives. Our approach is to listen to you carefully and ask thought provoking questions to make certain that we understand your financial goals and objectives. Because our staff includes Certified Financial Planners, Attorneys, CPAs, Insurance and Investment Professionals, we are able to address your goals and objectives from a financial, legal, risk management and tax mitigation perspective. We will meet regularly with you because the financial planning process is dynamic ? changes in your personal financial goals, income level, and tax laws combined with your investment results create the need for periodic reviews and modifications.
An Insurance program should be a part of every family?s total financial plan. Insurance is the foundation of financial security for you and your family. It protects your financial resources against the uncertainties of life so you can plan for the future. Our approach is to thoroughly understand your financial situation, your attitude toward risk, your attitude towards Federal income and estate tax mitigation, as well as your personal situation (age, marital status, dependents, etc.) so that we can help you make smart choices regarding insurance. Then we provide you with a personalized written recommendation that addresses your current financial situation and we explain things in term that you can easily understand.
Retirement planning is critical if you want to enjoy the lifestyle you have become accustomed to. We can help you effectively address your retirement future by guiding you through the steps necessary to help you build a solid retirement strategy. Successful retirement is a dynamic state affected by your priorities, inflation, volatile markets, your lifespan, rising healthcare costs, and other variables. That?s why it?s more important than ever to have an effective retirement income plan that has protection build in to safeguard your lifestyle and the things you care about. We will help you understand the reality of how taxes, inflation and market volatility will affect your retirement and when should you file for Social Security. Consider this fact: For most middle income couples, Social Security makes up 20% ? 50% of their retirement income?often upwards of $500,000 in lifetime benefits. Obviously, this is a large sum of money for just about anyone. We are highly experienced in integrating savvy social security claiming strategies with tax efficient retirement income planning.
|Mon.||9:00 AM - 5:00 PM|
|Tue.||9:00 AM - 5:00 PM|
|Wed.||9:00 AM - 5:00 PM|
|Thu.||9:00 AM - 5:00 PM|
|Fri.||9:00 AM - 5:00 PM|