Al Sr. is a Certified Financial Planner(tm) practitioner and has been providing Fee-Only Wealth Management Services for more than 35 years. Al Sr. founded Financial Freedom in 1981 with a mission to help people with independent and objective advice. That mission has grown to helping many individuals and families accomplish their life goals and dreams with truly Fee-Only Wealth Management Services which includes both Investment Management and Comprehensive Financial Planning. Al Sr. is the Chief Investment Officer and focuses on helping clients develop and maintain well diversified appropriately asset allocated portfolios that are consistent with their risk profiles and "sleep comfort level". Al Sr. developed our SDR (same day response) program where we commit to get back to clients the same day with our world class customer service levels.
Financial Freedom provides Fee-Only Wealth Management Services which includes comprehensive financial planning and investment management services. OUR PRIMARY OBJECTIVE IS TO HELP OUR CLIENTS ACHIEVE THEIR LIFE GOALS AND OBJECTIVES.
Unlike many planners, we are Fee-Only Financial Planners. Fee-only planners are compensated solely on the basis of fees paid by their clients and do not accept any commissions or compensation from any other sources. This form of compensation should provide you with a high-level of confidence that you are receiving objective recommendations. Additionally, when working with clients on an on-going basis, we do so utilizing a flat retainer arrangement versus any percentage of assets under management formula.
Each year we provide our clients with a Wealth Management Services performance evaluation review. We think that it is important that each client is able to evaluate the overall value that our retainer relationship adds to the achievement of their life goals and objectives.
Our business strategy is to maintain a small firm focused on developing in-depth personal relationships with a small number of client families versus a cursory relationship with hundreds of clients. The Osgoods are the firm; they do the analysis and investing; they meet with you wherever you live; you won't be turned over to someone else once you become a client.
We are seeking prospective new clients with a minimum of $1 million of investable assets. Check out our website at www.finfree.com for more information. Call us at 610-296-9500 for an initial no-obligation consultation.
|Firm Start Year:||1983|
|No. of Employees:||2-4|
|Name of Broker/Dealer:||None - Independent|
|Name of Custodial Firm:||Fidelity Investments|
|States Licensed in:||Federally registered SEC advisors.|
|Number of Years with Current Firm:||35|
|Work Experience:||1981 - Present, Financial Freedom, LLC - Chairman, Founder and Chief Investment Officer 20+ years of sales and marketing at Mobil Oil Corporation|
|Work with the following types of clients:||Individual Investors|
|Advisory Services Provided:||Wealth Management, Financial Planning for Individuals|
|Investment Types:||Mutual Funds, Exchange Traded Funds (ETFs), Stocks, Bonds, Socially Responsible Investments (SRI)|
|Can meet clients in the following ways:||Our Office, Your Home, Email, Phone, Your Office, Video Conference, Our Offices|
|Assets Managed by Firm:||$325,000,000|
|Assets Managed by Advisor:||$325,000,000|
Compensation and Fees
|Minimum Portfolio Size for New Managed Accounts:||$1,000,000|
|Compensation Methods:||Flat Fee|
|Additional Details on Charges:||Our fees are based on an agreed-to flat retainer (quoted on an annual basis; billed quarterly in arrears; with the ability to terminate at the end of any calendar month). We believe the retainer concept does a much better job of aligning our fee structure with the services that we provide - comprehensive wealth management which includes both investment management and comprehensive financial planning. Many years ago we did charge on a percentage of assets under management but found that method translated to a more singular focus on the portfolio versus the more holistic picture of wealth management. All fees are agreed to in advance.|
|Financial Planning for Individuals
COMPREHENSIVE FINANCIAL PLANNING is a critical component of wealth management. Our comprehensive financial planning includes detailed analysis and recommendations in: retirement planning, income tax tax planning, estate planning, risk and insurances, stock options and executive compensation, college funding and charitable and family gifting. In many cases, we also help client's children as they start their financial journey.
|Investment Advice & Management
INVESTMENT MANAGEMENT is all about developing and maintaining a well diversified appropriately asset allocated portfolio to meet your goals and objectives. We use a strategic combination of low cost high quality stocks, mutual funds, index and exchange traded funds, bonds, and bond mutual funds to achieve a well diversified portfolio to meet your needs in each phase of life.
Our primary service, delivered in a truly Fee-Only manner which ensures that you the client are receiving independent objective advice. Our business model is based on the foundation that Wealth Management Services are the combination of BOTH Investment Management and Comprehensive Financial Planning. We believe that clients need both services to help achieve their life goals and dreams.
Why should I choose you as my financial advisor?
We are different than many others. We don't sign you up and turn you over to others. Our Fee-Only approach. Our detailed personalized financial plan. Our retainer relationship concept. Our annual performance review process. Our focus on helping you achieve your life goals and objectives. We encourage you to talk with references at the appropriate point in the selection process.
What are your qualifications? What is your education background?
Licensed Certified Financial Planner" practitioner (since 1983); M.B.A. degree (Marketing & Finance); 35 years of comprehensive financial planning, asset allocation, and investment management experience.
How do you charge for your services?
Initial planning is done on an hourly basis. On-Going Wealth Management Services are charged based on an annual retainer basis. We believe the retainer approach is a much better approach than the traditional "percentage of assets under management" fee basis. We would be happy to provide an example of what an actual retainer agreement proposal looks like.
How are you compensated? How will I pay for your services?
We are Fee-Only. We are compensated solely on the basis of fees paid by our clients and do not accept any commissions or compensation from any other sources. This form of compensation should provide you with a high-level of confidence that you are receiving objective and unbiased recommendations.
If you are going to manage my account, will you obtain my permission every time you buy or sell something?
WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest.
Additional Detailed Disclosures
Registered Investment Advisor:
Compliance Disclosures in Last 5 years:
Have a clean record
Criminal Disclosures in Last 5 years:
Have a clean record
|Sun.||7:00 AM - 9:00 PM|
|Mon.||7:00 AM - 9:00 PM|
|Tue.||7:00 AM - 9:00 PM|
|Wed.||7:00 AM - 9:00 PM|
|Thu.||7:00 AM - 9:00 PM|
|Fri.||7:00 AM - 9:00 PM|
|Sat.||7:00 AM - 9:00 PM|
|All. We operate with SDR - Same Day Response. We will always respond to you the same day.|
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