There are three elements to Financial health - Having a Plan, Managing your Money, and Protecting what you have! Bringing all the pieces of your financial life together is challenging. From budgeting, to planning for retirement, to managing your taxes and your insurance coverage, personal finance never means just one thing and is unique to you. Financial health is about much more than a collection of investments, policies, or a dated plan. 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.
There are three elements to Financial health - Having a Plan, Managing your Money, and Protecting what you have! Bringing all the pieces of your financial life together is challenging. From budgeting, to planning for retirement, to managing your taxes and your insurance coverage, personal finance never means just one thing and is unique to you. Financial health is about much more than a collection of investments, policies, or a dated plan.
General Information |
Firm Start Year: | 2019 | |
No. of Employees: | 1 | |
Insurance License#: | GA 2788583 |
Name of Broker/Dealer: | Cambridge Investment Research Advisors, Inc |
States Licensed in: | Securities - GA, SC, TN, NC, PA Insurance - GA, FL, PA |
Number of Years with Current Firm: | 5 |
Work Experience: | Cambridge Investment Research Advisors, Inc. May 2016 - Present New England Financial Group/MetLife Premier Client Group May 2011 - April 2016 Ryder System Inc. July 1988 - May 2011 L'eggs Products February 1986 - June 1988 McLean Trucking Company June 1984 - December 1985 |
Work with the following types of clients: | Individual Investors, Businesses |
Advisory Services Provided: | Insurance Products & Annuities, Estate Planning & Trusts, Investment Advice & Management, Financial Advice & Consulting, Wealth Management, Money Management, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Financial Planning, 401K Rollovers, Retirement Planning, Portfolio Management |
Services |
Investment Types: | Alternative Investments, Exchange Traded Funds (ETFs), Mortgages & Real Estate, Bonds, Options & Futures, Annuities, Insurance, Mutual Funds, Stocks, Socially Responsible Investments (SRI) |
Can meet clients in the following ways: | Your Home, Phone, Email, Your Office, Video Conference |
Qualifications & Memberships |
Insurance and Annuity Licenses: | Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Disability |
Firm Information |
Advisor's Number of Clients: | 30 |
Advisor's Number of Managed Clients: | 28 |
Advisor's Number of Planning Clients: | 6 |
Assets Managed by Advisor: | <10M |
Compensation and Fees |
Fee Structure: | Fee-Based |
Minimum Portfolio Size for New Managed Accounts: | $100,000 |
Compensation Methods: | Based on Assets, Hourly, Flat Fee, Commissions |
Fee % Based on Assets: | 1% Tiered |
Hourly Rate: | $250 |
Additional Details on Charges: | Asset Under Management Fee is Tiered :1% first million, 0.80% next 2 million, 0.5% after 3 million |
Board Positions |
Organization : | Family Promise of Forsyth County, Cumming, GA |
Position : | Various |
Duration : | 2016-2019 |
Education |
Bachelor of Science - Business Logistics and Transportation Management | Ohio State University
- Columbus, OH 1978-1984 |
CFP Certificate - Personal Financial Planning | Oglethorpe University
- Atlanta, GA 2011-2012 |
Financial Services |
Financial Planning for Businesses
I work with a network of accredited and accomplished professionals for business owners related to exit planning! For small business owners that have spent their lives building their business, my team will work with you to design/guide you through the exit process to maximize your ultimate outcome! |
Financial Planning for Individuals
This is CORE. I'm a firm believer that the strategy (i.e."the Plan") should drive the tactics (investing, insurance, retirement, charitable giving, tax planning, estate planning, etc.). The plan can be comprehensive, or focused on one aspect of your financial life. The process isn't easy, but ultimately leads to your ability to implement the allocation of your resources in a manner that should enable your "best" outcome. The second part is that Planning is a process (evolves as your life evolves) and not a product! |
Financial Advice & Consulting
This work is generally done on an hourly basis, and can be structured as a one-off engagement, or an annual subscription. |
Portfolio Management
Ultimately portfolios are designed to accomplish goals/objectives. Desired rate of return and corresponding risk exposure defines actual securities/fixed income/alternatives selection. Mix and match strategic and tactical approaches are commonly used. |
Retirement Planning
Retirement income planning (including Social Security withdrawal strategy) is a function of understanding desired lifestyle, and strategic account withdrawal to manage tax exposure. Legacy planning (including Charitable giving) also may factor in. Ultimately these plans should be monitored and updated as your new realities evolve. |
401K Rollovers
Acknowledge risk first! Rollovers into an IRA (or ROTH if applicable) is a common practice, and becomes integrated into your comprehensive portfolio design. |
Insurance Planning
From Life, to Disability, to Long Term Care...not most folks favorite topic, but one that once completed frequently brings a peace of mind that you are looking out for those you care for most! Long Term Care is complicated and is embedded in any Retirement planning I do. |
Annuities
Not all annuities are made the same, they vary from deferred to immediate, variable to structured to fixed, life time guarantees to something that basically acts as a standard portfolio (with tax benefits). My fiduciary pledge requires that the appropriate form, and then the best fitted solution is presented to my clients. Compensation may be commissioned or based on assets amount and is determined by your needs. |
Estate Planning & Trusts
I am not an Estate Planning attorney and do not create documents. That said, a significant part of the CFP® curriculum deals with multiple estate designs and estate tax management. My comprehensive Financial Planning process also includes (as appropriate) a suggested design that can be used by your attorney |
Tax Advice and Services
I am not a CPA and do not give specific tax advice. |
Education Funding and Planning
I can generate reports that define how much you should save in a 529 Plan (monthly or annually). We'll also discuss which states plan should best serve your child's needs! |
Investment Advice & Management
Ultimately investing should be driven by objectives (what do we want this money to do for you) and managed in a style to achieve the desired outcome while minimizing risk. I leverage academic (including those that have garnered Nobel Prizes in Economics) theories to structure the investment design. |
Wealth Management
Ultimately it's not just what you make, or earn, it's what you get to keep and then lever to achieve your desires and objectives. Strategic design is integral to effectively managing tax exposure, and leveraging tax and estate taxation laws. Separately Managed Accounts, frequently leveraging an individual or team of CFA's, may well be an appropriate solution to achieve your objectives. |
Risk Management
Risk Management is frequently used as a code word for Insurance. I work with you to define appropriate amount and form of insurance (Term, Universal, Variable, etc.) is appropriate. I shop the market to align your need with a financially secure company that provides the coverage at the most competitive rates available. |
Money Management
First things first - the "B" word is the starting point. Once the BUDGET is defined, and processes are in place to track compliance, stepping stones are placed to manage and grow your burgeoning welath. |
FAQs |
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. |
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. |
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. |
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. |
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. |
Disclosures |
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 |
Disclaimer |
Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, a Registered Investment Advisor. Trinity Financial Planning and Cambridge Investment Research, Inc. are not affiliated companies. |
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. | 8:00 AM - 5:00 PM |
Tue. | 8:00 AM - 5:00 PM |
Wed. | 8:00 AM - 5:00 PM |
Thu. | 8:00 AM - 5:00 PM |
Fri. | 8:00 AM - 5:00 PM |
Greater Atlanta Metropolitan area, upstate South Carolina, Greater Philadelphia area, Greater Nashville area, Greater Charlotte area |
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