I am a relentless advocate for helping you pursue and enjoy the retirement that you've worked so hard to earn. As a CERTIFIED FINANCIAL PLANNER™ professional for over 30 years, I'm eager to use my experience and knowledge to take the mystery out of retirement planning for you. I've developed an individualized 7-Step Retirement Planning System that helps to simplify the process and guides you toward strategies to help generate the income you need for the rest of your life. Retirement is a journey and I'm dedicated to walking it with you, hand-in-hand, every step of the way.
|Firm Start Year:||1987|
|Name of Broker/Dealer:||Commonwealth Financial Network|
|Name of Custodial Firm:||National Financial Services|
|States Licensed in:||FL, GA, MA, NH, NJ, SC|
|Number of Years with Current Firm:||32|
|Work Experience:||Overall, been in the financial planning industry for over 30 years. Founded Safe Harbor Retirement Planning in 1992 and have been working with individuals approaching, or already transitioned, into retirement.|
|Foreign Languages Serviced:||english|
|Advisory Services Provided:||Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Risk Management, Money Management, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Insurance Products & Annuities, Financial Advice & Consulting, Investment Advice & Management|
|Investment Types:||Exchange Traded Funds (ETFs), Mutual Funds, Bonds, Stocks, Annuities, Insurance, Alternative Investments, Socially Responsible Investments (SRI)|
|I can meet clients in the following ways:||At my office, Via Phone, Video Conference|
Qualifications & Memberships
|Insurance and Annuity Licenses:||Annuity, Life, Variable Annuity, Long Term Care, Variable Life|
|Investment Advisor Representative:||Yes|
|Compliance Disclosures in Last 5 years:||I have a clean record|
|Criminal Disclosures in Last 5 years:||I have a clean record|
Compensation and Fees
|Minimum Portfolio Size for New Managed Accounts:||$1,000,000|
|Compensation Methods:||Based on Assets, Commissions|
|Additional Details on Charges:||
We develop a personalized Retirement Roadmap for each client. This is based off of the 7 step process used for every client to properly asses where they are, and how they wish to pursue their retirement goals.|
Depending on the complexity of the planning issues, our first year's fee ranges from $2,000 - $4,000. Each year thereafter, the annual fee to maintain the plan is $1,000.
|Minimum Fee Charged for Managed Accounts:||at $1M the fee is 1%|
|Minimum Fee Charged for Hourly Planning Accounts:||annual, no hourly|
Recognized as a multi-year FIVE STAR Wealth Manager*by Boston Magazine. Based on 10 objective eligibility and evaluation criteria, including a minimum of 5 years as an active credentialed financial professional, favorable regulatory and complaint history, accepts new clients, client retention rates, client assets administered, education, and professional designations. 3,542 Boston wealth managers were considered for the award; 801 (23 percent of candidates) were named 2015 Five Star Wealth Managers. (The criteria provided reflects the most recent year for which advisor received the award. The criteria used, the number of wealth managers considered for the award, and the percentage of those who receive the award, may vary from year to year). These awards are not indicative of the wealth managers' future performance. Your experiences may vary. For more information, please visit www.fivestarprofessional.com
This communication is strictly intended for individuals residing in the states of FL, GA, MA, NH, NJ, OR, SC. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA- insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser.
I've been working with individuals just like you and their families for over 30 years. As president of Safe Harbor Retirement Planning, I've served as a relentless retirement guide to thousands of individuals since 1986. I believe the successful relationships I have created with my clients is due to the fact I ask the questions other advisors simply don't ask; it's what allows me to make the best decisions for each client's unique situation and help to assure them that their dreams are in capable hands.
You can find me advocating for retirement success as a go-to financial educator in the media, a former radio talk show host, and as an author. My most recent book Don't Outlive Your Money in Retirement! 7 Key Steps, unveiled the very step-by-step process I use with clients to help maximize their retirement journey, and has been refined over the past three decades.
I've been featured in the Wall Street Journal, ABC news.com, FOXNews.com, and Bloomberg radio, as well as locally (Boston) on NECN and WRKO. I'm also a multiyear recipient of Boston Magazine's 5 Star Wealth Manager award*.
Financial Advice & Consulting
In my 32 years of practice, I have learned that there are 3 distinct items my clients are looking for. First, they want someone who they can trust who will walk hand in hand with them throughout the entire journey. Second, they do not want to run out of money. They want a plan in place so they know if they are on track to pursue their goals. Third, they want to know that their surviving spouse and family members are taken care of down the road. Everything we do focuses on these 3 issues.
Financial Planning for Individuals
With our unique 7 Step Process, we create a personalized Retirement Roadmap that addresses all of the concerns people face as they transition into this next chapter of life. We do a comprehensive review of their goals, cash flow needs, tax exposure, asset protection, money management and much more. The goal is to create a degree of confidence for the client that they know if they are on track, or what changes need to be made to put them on track to pursue their retirement goals.
As an independent financial planner, I create portfolios that are consistent with the clients' needs. Specific to retirement planning, the key to putting in place the right investment model is to understand what the clients' needs are. Once the planning is completed we will make recommendations to the client with regards to which models are best suited for their goals. We then proactively communicate to all clients to address any issues or changes that may come to pass in the world, or within the investment community.
|Mon.||9:00 AM - 6:00 PM|
|Tue.||9:00 AM - 6:00 PM|
|Wed.||9:00 AM - 6:00 PM|
|Thu.||9:00 AM - 6:00 PM|
|Fri.||9:00 AM - 6:00 PM|
|Located on the North Shore of Boston||however|
|our clients reside in several different states. With today's technology it is becoming easier to have virtual relationships||but we still cherish the time we can spend face to face.|