Knowing, understanding and communicating with our clients are our top priorities. Within a year of becoming Wealth Planning clients at Advanced Portfolio Design, LLC: I want clients to say Wow, I really feel like we are doing all of the right things to protect and build and pass on our wealth; we are using the most appropriate investment, tax, insurance and estate strategies. We have a handle on our property ownership and our business interests.
General Information |
| Name of Custodial Firm: | Fidelity/National Financial Srvs, Nationwide |
| States Licensed in: | MA, NH |
| Number of Years with Current Firm: | 18 |
| Work with the following types of clients: | Individual Investors, Families |
| Advisory Services Provided: | Financial Advice & Consulting, Investment Advice & Management, Estate Planning & Trusts, Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Tax Advice and Services, Financial Planning for Individuals |
Services |
| Investment Types: | Exchange Traded Funds (ETFs), Stocks, Bonds, Mutual Funds, Alternative Investments, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Phone, Our Office, Your Home, Your Office, Video Conference |
Firm Information |
| Advisor's Number of Clients: | 75 |
| Assets Managed by Advisor: | $85,000,000 |
Compensation and Fees |
| Fee Structure: | Fee-Only |
| Minimum Portfolio Size for New Managed Accounts: | $1,000,001 |
| Compensation Methods: | Based on Assets, Flat Fee |
| Additional Details on Charges: | Our management and planning fees are combined and start at 1% at the $1 million dollar range and have lower percentages for higher value portfolios. We do not sell any financial products. We are Fee Only. We do advise on the use of insurance products and the investments held in annuities and life insurance contracts. |
Education |
| Bachelor's | Fitchburg State College |
Financial Services |
| Financial Advice & Consulting
We provide financial planning services that integrate all of the areas of financial planning in a carefully thought out way. This includes money management, investment, tax, insurance, retirement, elder care and estate planning. |
| Annuities
We provide a service which we call "annuity rescue." We can rollover complicated annuity accounts into less expensive, simpler accounts to help manage the "decumulation" side of annuities where you can carefully plan your withdrawals to fit your tax and cash flow situation each year. |
| Financial Planning for Individuals
We help clients look at their employer benefits packages to get everything they can out of them. |
| Portfolio Management
We manage investment accounts either on a discretionary basis or a non-discretionary basis. |
| Retirement Planning
Your diecisions around retirement are some of the most consequential and difficult decisions to make. We have the expertise to help people feel confident in their retirement choices. |
| 401K Rollovers
In general, there are many benefits to rolling workplace retirement plans into IRAs, which can be much more flexible. |
| Insurance Planning
We evaluate insurance needs and make recommendations in a number of areas. Some examples are life insurance, diability income insurance, and long-term care insurance. We can even help people select policies as well. |
| Estate Planning & Trusts
We design a carefully thought out estate plan and help you get it implemented through your attorney (or find an attorney). |
| Tax Advice and Services
Some of the most valuable help we have been providing is in the area of unwinding future taxes due on retirement accounts and company stock plans in a carefully planned out way to pay the least amount of income taxes over a lifetime. Selling stocks a little at a time and doing Roth conversions are some good examples of this. |
| Wealth Management
Our primary way of working with our clients is to provide investment management services integrated with ongoing financial planning services to help them do the best they can for themselves and their family. |
Disclosures |
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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. |
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Additional Detailed Disclosures |
Registered Investment Advisor:
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
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