Why should I choose you as my financial advisor?
I'm not interested in being everybody's financial advisor. If you want to work with someone that isn't a salesperson, but works with you to understand the vision/objective, then scours the available universe to present the best/most appropriate path to achieve that vision/objective, then, we should talk.
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What are your qualifications? What is your education background?
CFP® CERTIFICATION: THE STANDARD OF EXCELLENCE
The CFP® certification marks identify professionals who have met the high standards of competency and ethics established and enforced by CFP Board. CFP Board's Standards of Professional Conduct require CFP® professionals to act in their clients' best interests.
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How do you charge for your services?
Ultimately it depends on your need. Majority of my engagements are based on Assets Under Management. Planning engagements are based on an hourly basis. If your need involves a solution provided by a Life Insurance company, they may well pay me a commission.
You will know in advance, how my compensation is based.
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How are you compensated? How will I pay for your services?
Ultimately it depends on your need. Majority of my engagements are based on Assets Under Management. Planning engagements are based on an hourly basis. If your need involves a solution provided by a Life Insurance company, they may well pay me a commission.
You will know in advance of making a decision, how my compensation is based.
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If you are going to manage my account, will you obtain my permission every time you buy or sell something?
I do not take discretion over any accounts. Generally speaking, assets are held at a trust company, which provides protection for you and your assets.
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How many clients do you currently manage?
I have a cap set at 80 (full-service clients) as I know my time is limited, and my clients deserve nothing less than outstanding care and service. Once that cap is met, I will create a "wait list" for interested parties.
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Will you be the only person working with me?
Yes
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Do you offer any guaranteed results?
The only solution that I'm familiar with that guarantees results is Whole Life Insurance. In my experience, that product has limited effective use. There are some items that guarantee return of invested principal (at worst), but again, those solutions are appropriate for only a slice of the overall marketplace.
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How much risk should I be willing to take?
Risk is a unique topic. Many things factor in the correct answer for you (psychological makeup, income, expenses, objectives, timeline, etc.). Understanding and managing risk is critical to a long term successful investing program.
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Have you ever been charged with any breaches?
No
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What services do you provide? What are your specialties?
Financial Planning, Investments (traditional and alternatives), Life/Disability/Long Term Care Insurance, Annuities (Fixed, Variable, Indexed), Small Business Exit Planning
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What is your experience? How many clients do you currently manage?
< 80
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What financial institution(s) do you represent?
My Broker Dealer is Cambridge Investment Research Advisors, Inc. They are an employee owned company which manufactures nothing and doesn't have a Chief Investment Officer directing recommendations.
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What is your approach to financial planning?
I follow the standards as set forth by the CFP Board's Standards of Professional Conduct.
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What services do you offer?
Financial Planning, Investments (traditional and alternatives), Life/Disability/Long Term Care Insurance, Annuities (Fixed, Variable, Indexed), Small Business Exit Planning
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What are your qualifications?
CFP® CERTIFICATION: THE STANDARD OF EXCELLENCE
The CFP® certification marks identify professionals who have met the high standards of competency and ethics established and enforced by CFP Board. CFP Board's Standards of Professional Conduct require CFP® professionals to act in their clients' best interests.
I do have a Series 7 and 66 securities license, so recommendations will start broad, but filtered down to manage risk and designed to meet your objectives.
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What is your approach to 401 K plan rollovers?
Understand the clients best interest first! There are situations where a rollover isn't in the clients best interest. Once that hurdle is cleared, then ultimately the solution is designed to meet risk and return targets.
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How long does the process of rolling over a 401K plan usually take?
The answer is it varies, based on where your existing account is held, and where it will be held. In some cases, it is completed within 24 hours, in some cases, the answer is weeks.
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What financial institutions do you represent?
My Broker Dealer is Cambridge Investment Research Advisors, Inc. They are an employee owned company which manufactures nothing and doesn't have a Chief Investment Officer directing recommendations.
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How many years of experience do you have?
10+
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What are your fees for this service?
Generally speaking, rollovers are billed on based on asset amount (fee is a percentage of account value)
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How many 401K rollover clients do you currently manage?
< 20
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Why should I roll over my 401K plan to your firm?
I'm not interested in being everybody's financial advisor. If you want to work with someone that isn't a salesperson, but works with you to understand the vision/objective, then scours the available universe to present the best/most appropriate path to achieve that vision/objective, then, we should talk.
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