Success means something different to everyone. We help clients identify what financial success means to them and then help to provide them with the blueprint and oversight to build toward their specific goals. We design each plan to properly leverage resources with a goal of creating maximum positive impact on their lives and the lives of those important to them.
We engage with our clients by delivering a wide range of options including full service financial planning, tax reduction strategies, integration of business interests, real estate holdings, and investment strategies. We also offer Fiduciary Portfolio Management on a case-by-case basis as needed.
Before entering the financial services industry, I graduated Hodges University, College of Business Cum Laude with a degree in Financial Management.
365 Wealth Partners is a comprehensive wealth management firm bringing elite planning and investment strategies to our clients everyday.
We believe that success is indeed realistic and achievable for anyone who is willing to commit to it. Commitment includes an honest and respectful exchange of ideas, making thoughtful and conscious decisions, and having the courage to embrace change as it becomes necessary.
We broke away from the big banks to start our own firm with an obsessive focus on improving client outcomes using active risk management, enriching client knowledge, and understanding client expectations.
We also believe in clients understanding the role their 'advisor' has in their financial lives. Our goal is to bring truth to light with regards to your financial relationships.
We believe in thinking 'outside the box' and we are not afraid to challenge conventional wisdom in our approach to investing and preserving wealth. This includes our distinctive approach called 'mathmotional investing' where we help clients make small mathematical decisions that alleviate some of the anxiety associated with the uncertainty of the market.
All of our energy, commitment, and efforts are focused on you 'the client' and your satisfaction.
General Information |
| Firm Start Year: | 2020 | |
| No. of Employees: | 2-4 | |
| Insurance License#: | W120198 |
| Name of Broker/Dealer: | LPL FINANCIAL LLC |
| States Licensed in: | FL, PA, NY, GA, CA, TX, VA, AL, NJ |
| Number of Years with Current Firm: | 2 |
| Work Experience: | My experience extends to multiple areas of finance for over 20 years. I have worked in banking and finance for many of the national large firms including Bank of America, Merrill Lynch, Allstate, and Wells Fargo Advisors. Over the years I have acquired experience in credit, lending, insurance, and small business services. In 2020, I broke away to start my own independent firm and partner with LPL to laser focus on financial planning and Fiduciary Asset Management for a select group of clients. Working as an independent Advisor allows the creativity and flexibility to choose the right research, analytics, and planning tools to best serve our clients. |
| Work with the following types of clients: | Non-Profit Organizations, Individual Investors, Businesses |
| Foreign Languages Serviced: | English |
| Advisory Services Provided: | Investment Advice & Management, Estate Planning & Trusts, Insurance Products & Annuities, Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Tax Advice and Services, Financial Advice & Consulting |
Services |
| Investment Types: | Alternative Investments, Exchange Traded Funds (ETFs), Options & Futures, Bonds, Stocks, Annuities, Insurance, Mutual Funds, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Our Office, Phone, Email, Your Office, Video Conference, Our Offices |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Disability |
Firm Information |
| Advisor's Number of Clients: | 50 |
| Advisor's Number of Managed Clients: | 50 |
| Advisor's Number of Planning Clients: | 50 |
| Assets Managed by Advisor: | 50MM |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | 500K |
| Compensation Methods: | Based on Assets, Flat Fee |
| Additional Details on Charges: | We offer full pricing flexibility by providing services ranging from fee for service planning to comprehensive consulting and asset management. Financial Planning typically range between $1500-$5000 initial planning fee depending on the scope and complexity required. Ongoing financial consulting and asset management fees are priced based on the size and complexity of assets being managed. Additional services including Trust & Fiduciary management, coordination with CPAs, Attorney's, Health Care Professionals, LTC and CCFs can also be arranged. |
| Minimum Fee Charged for Managed Accounts: | No minimum Fee |
| Minimum Fee Charged for Hourly Planning Accounts: | Not Applicable |
Education |
| Financial Management - Finance | Hodges University
- Naples, FL 09/1997-05/2000 |
Financial Services |
| Financial Planning for Businesses
We consult with small business owners and develop financial strategies to help them grow revenues and manage tax liability. We offer advice on setting up retirement plans which help to attract talent and retain key employees. We can assist with risk management strategies including key man insurance and buy/sell arrangements. |
| Financial Planning for Individuals
Comprehensive Planning including: Personal Budgeting and Spending analysis, Retirment Planning, Income Planning, Legacy Planning, Specific Goal Planning, Tax Planning, Client Financial Reporting & Risk Analysis. |
| Financial Advice & Consulting
We offer Financial Advice & Consulting as a service separately and independently from Asset Management based on client preference. Asset Management always includes Financial Advice and consulting at no additional charge. |
| Portfolio Management
Fiduciary Portfolio Management Capabilities include but not limited to Stocks, Bonds, ETFs, Mutual Funds, CDs, Structured Investments, Options Strategies, and Alternative Investments |
| Retirement Planning
Full range of retirement planning services including set up and management of retirement plans including Traditional & Roth IRAs, SEP, SIMPLE, 401k, profit sharing plans. Retirement income planning and distribution strategies may include annuities and insurance products based on client preference to achieve stated goals and desired risk profile. |
| 401K Rollovers
We consult and assist with all rollovers including pre-tax, after tax, and concentrated employer stock holdings. We will provide a comparative benefits analysis of the existing plan vs a potential rollover. Upon request we will provide pre-rollover analysis to determine if a rollover is in the client's best interest. |
| Annuities
We offer annuity strategies for clients who are looking for asset protection or guaranteed income strategies that integrate with their overall financial goals. |
| Estate Planning & Trusts
Our team will discuss your family dynamics and estate goals to help you determine if establishing a trust would be advantageous. We do not draft legal documents but provide pre-planning support before you engage an attorney to save you time and money as well as post planning support to fund and properly manage trust assets. Trust and custody services are available through LPL under a separate contract subject to review and approval. |
| Tax Advice and Services
Tax Planning to identify potential opportunities to reduce current and future income tax and cap gains liability. |
| Education Funding and Planning
We will help you evaluate the potential long-term advantages of education funding through 529 plans including potential income and estate tax advantages. |
| Wealth Management
Our capabilities include multiple areas of Wealth Management for Individuals, Families, and Small Business. |
| Risk Management
We utilize a variety of strategies to identify, evaluate, and manage risks for our clients including but not limited to portfolio risk, market risk, interest rate risk, inflation risk, business specific risk, and personal liability. |
FAQs |
Do you have a customer satisfaction or refund policy?Yes. 50% of financial planning fees are required upfront and we will only collect the remaining amount upon satisfactory delivery of the final plan documents as agreed. |
Why should I choose you as my financial advisor?I've dedicated my entire career to providing a select group of clients with the highest level of respect, service, and trust. I have chosen to be an independent Planner and Advisor to avoid the conflicts of interest associated with working for a large broker/dealer. I regard each of my clients as valued partners and I always take into consideration their unique perspectives, experiences, and preferences when developing a financial plan. I work with a relatively small number of clients so I'm able to maintain an exceptional client experience and devote ample time and resources to each and every relationship. |
What are your qualifications? What is your education background?I hold the CRPC designation - Chartered Retirement Planning Counselor along with an BSM in Financial Management. I have completed all education requirements of the CFP certification program along with thousands of hours of training and continuing education over the course of my career. |
How do you charge for your services?I offer the following compensation arrangements based on the needs and preferences of each individual client. Fee for service planning - Flat Fee determined by scope and complexity of planning required Assets Under Management - percentage of assets managed Ongoing Consulting and Advice - custom pricing charged as one time project-based fee or ongoing quarterly fee |
How are you compensated? How will I pay for your services?I offer the following compensation arrangements based on the needs and preferences of each individual client. Fee for service planning - Flat Fee determined by scope and complexity of planning required Assets Under Management - percentage of assets managed Ongoing Consulting and Advice - custom pricing charged as one time project-based fee or ongoing quarterly fee |
Disclosures |
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WiserAdvisor provides referrals to financial professionals of LPL Financial, LLC (LPL). WiserAdvisor is not a current client of LPL for brokerage or advisory services. Financial professionals of LPL pay WiserAdvisor cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. LPL ADV 2A https://www.lpl.com/content/dam/lpl-www/documents/disclosures/A58.pdf Additional Detailed Disclosures |
Disclaimer |
| Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. |
Registered Representative:
Yes
Investment Advisor Representative:
Yes
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
| Mon. | 9:30 AM - 4:30 PM |
| Tue. | 9:30 AM - 4:30 PM |
| Wed. | 9:30 AM - 4:30 PM |
| Thu. | 9:30 AM - 4:30 PM |
| Fri. | 9:30 AM - 4:30 PM |
| Check | Bank Transfer |
| Visa | MasterCard |
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