David joined the financial industry in 2008. Since his joining, the markets have certainly changed, but his focus hasn't. David is hyper focused on the incredibly unique process of helping his clients work towards building wealth, saving on taxes, and financial peace. He desires that each of his clients know how to Live Confidently.
In addition to his experience, he's also a CERTIFIED FINANCIAL PLANNER® as well as being a certified College Funding Specialist (CCFS).
Outside of work, David's an active member of his church, the President of his neighborhood association, and loves being a husband of 10 years and a dad of three children.
Interesting fact about David, his first job out of college was in Uganda, Africa.
Most who come through the WiserAdvisor program are looking for answers to specific questions, we can help with that.
Typically, those questions point to a larger issue: most people are looking for a trusted individual to have as a resource as they walk through different seasons of their financial lives. We partner with our clients and walk with them, as a guide, on their financial journey.
Are you looking for answers on debt optimization or efficient investment allocations?
Are you asking the question, - When can I afford to stop working full time, and still maintain my current standard of living for the rest of our lives?
Are you looking to go beyond the -normal- financial questions and start aligning your life, wealth, and finances around the items that provide you with lasting joy and fulfillment?
If you're looking for answers to questions like these, let's connect. We'd love to learn more about you and what you're seeking to accomplish.
|Firm Start Year:||2018|
|Name of Custodial Firm:||TD Ameritrade, Charles Schwab, First Clearing|
|States Licensed in:||SEC Registered in all 50 States|
|Number of Years with Current Firm:||5|
|Work Experience:||Certified Financial Planner Certified College Funding Specialist Series 66 Series 63 Series 7 Series 6 Securities Industry Essential Exam Life and Health Insurance Licensed|
|Work with the following types of clients:||Individual Investors, Businesses|
|Foreign Languages Serviced:||English|
|Advisory Services Provided:||Tax Advice and Services, Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Risk Management, Wealth Management, Retirement Planning, Portfolio Management, Financial Planning, Insurance Products & Annuities, Estate Planning & Trusts, Investment Advice & Management, Financial Advice & Consulting, 401K Rollovers|
|Investment Types:||Bonds, Stocks, Exchange Traded Funds (ETFs), Mutual Funds, Socially Responsible Investments (SRI)|
|Can meet clients in the following ways:||Via Phone, Our Office, Video Conference, Our Offices|
Qualifications & Memberships
|Insurance and Annuity Licenses:||Disability, Annuity, Health, Life, Variable Annuity, Long Term Care|
|Firm's Number of Clients:||400|
|Firm's Number of Planning Clients:||300|
|Firm's Number of Managed Clients:||400|
|Assets Managed by Firm:||611,667,169|
|Advisor's Number of Clients:||102|
|Advisor's Number of Managed Clients:||102|
|Advisor's Number of Planning Clients:||65|
|Assets Managed by Advisor:||$70,000,000|
Compensation and Fees
|Minimum Portfolio Size for New Managed Accounts:||$5,000|
|Compensation Methods:||Based on Assets, Hourly, Flat Fee|
|Fee % Based on Assets:||Varies|
|Additional Details on Charges:||0 - $249,999 Billed Annually at 1.35% $250,000 - $999,999 Billed Annually at 1.10% $1,000,000 - $1,999,999 Billed Annually at 0.95% $2,000,000 - $2,999,999 Billed Annually at 0.85% $3,000,000 - $4,000,000 Billed Annually at 0.75% $4,000,000 - $5,000,000 Billed Annually at 0.65% $5,000,000 - $6,000,000 Billed Annually at 0.55% $6,000,000 and up Billed Annually at 0.50%|
|Business Management - Business||Taylor University
- Upland, IN
Each Portfolio is dependent on what the clients seeks to accomplish. We believe that the Portfolio allocation needs to serve the specific financial goal.
Most of our clients think of the words Financial Independence or Financial Security. We seek to provide our clients with guidance on when does work become optional.
Typically 401ks, along with 403b, 401a, 457, etc... come with different options on how to use and utilize the assets. Participants in these plans need to be educated before making a decision.
Wealth, Assets, Income, etc. are all resources for us to act upon and steward/manage over. This is how we define Wealth Management.
Financial Advice & Consulting
There are times when families need guidance on one-off items. We provide advice and consulting on these specific questions.
Education Funding and Planning
College funding is complex, because of this I've obtain a specific certification focused on College Planning.
Finances are complex and we seek to understand and provide guidance on the Asset side and the Risk/Back-side of the Net Worth Statement
Financial Planning for Businesses
We partner with business owners in selecting the right Retirement Plan and Insurance optimization for the business. Additionally, we assist in structing the sale of business. The goal of the sale structure is to work towards maximizing after-tax assets.
Financial Planning for Individuals
What's important about money to you? The majority of our clients want to answer the question... "At what age will I be Financially Independent, where I can choose to work, or choose to live off my investments?"
We help our clients calculate the amount of Life, Disability, and LTC insurance they'll need for their specific financial goals.
Reviewing Annuity contracts is a common service we provide for our clients. Annuities can be confusing, because of this, we make every effort to understand the annuity contract and how to best utilize it within a financial plan.
Estate Planning & Trusts
We assist our clients in understanding the implications of different estate planning strategies and which to use for their specific situation.
Tax Advice and Services
The saying is true, it's not what you make, it's what you keep. Because of this, we focus on tax-efficiency. Additionally, we have a built-in systems to help us work towards the efficient after-tax investment accounts.
Investment Advice & Management
Investing can be complex and confusing. Our 3-step process helps to simplify the complex and acts as a guide as we select investments.
Registered Investment Advisor:
Investment Advisor Representative:
Compliance Disclosures in Last 5 years:
Have a clean record
Criminal Disclosures in Last 5 years:
Have a clean record
|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|