Spencer Corzine, CFP^®, CERTIFIED FINANCIAL PLANNER
AVH Invest

Tel: 512-588-2770

500 E. Whitestone Blvd.
P.O. Box 1977
Cedar Park, TX 78630

Opportunity Through Transition

About AVH Invest

We are dedicated to providing a unique Advisor - Client relationship. Our approach is treating our engagement with the heart of a teacher and not a sales person. We keep close touch with our clients and mandate that telephone calls are returned within 24 - hours. We know your time is valuable and therefore meetings can be held in your home during the day or evening for your convenience. More importantly, you will have an understanding of the nature of your investments, how they work and what you can expect from them. We explain things in terms you will understand so that you have a high comfort level with what you own.

We offer Full service financial planning. We currently serve 1,000 clients and $130,000,000 of assets under management. We are affiliated with a fully independent Broker Dealer with no proprietary products.

General Information

Firm Start Year:		1997
No.of Employees:		5-9
Gender:		Male

Insurance License#:

LA-951910

Name of Broker/Dealer:

Securities America, Inc.

Name of Custodial Firm:

National Financial Services

States Licensed in:

AL, AZ, CA, DC, FL, GA, HI, ID, IL, KY, LA, ME, MD, MI, NV, NH, NJ, NY, NC, OH, PA, SC, SD, TN, TX, VT, VA, WY

Number of Years with Current Firm:

Work Experience:

Wall Street Financial Group Merrill Lynch

I work with the following types of clients:

Non-Profit Organizations, Individual Investors, Businesses

Advisory Services Provided:

Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Risk Management, Money Management, Wealth Management, 401K Rollovers, Portfolio Management, Financial Planning, Insurance Products & Annuities, Investment Advice & Management, Financial Advice & Consulting, Retirement Planning

Services

Investment Types:

Options, Stocks, Mutual Funds, Bonds, Annuities, Insurance, Commodities, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI)

I can meet clients in the following ways:

Via Email, At your home, At my office, Via Phone, At your office, Video Conference

Qualifications & Memberships

Insurance and Annuity Licenses:

Health, Disability, Accident, Annuity, Variable Life, Life, Variable Annuity, Long Term Care

Non-Financial Organization Memberships:

NFLPA Registered Advisor (National Football League Players Association)

Firm Information

Firm's Number of Clients:

2000

Firm's Number of Planning Clients:

500

Firm's Number of Managed Clients:

500

Assets Managed by Firm:

$250,000,000

Advisor's Number of Clients:

750

Advisor's Number of Managed Clients:

500

Advisor's Number of Planning Clients:

500

Assets Managed by Advisor:

$130,000,000

Compliance

Registered Representative:

Yes

Investment Advisor Representative:

Yes

I am an 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

Compensation and Fees

Fee Structure:

Fee-Based

Compensation Methods:

Based on Assets, Hourly, Flat Fee, Commissions

Fee % Based on Assets:

Flat Fee Rate:

Depends

Additional Details on Charges:

VERY transparent and work with my clients to find a method that's suitable for them.

Minimum Fee Charged for Managed Accounts:

$250

Minimum Fee Charged for Flat Fee Accounts:

$250

Education

Bachelors - Accounting

S.U.N.Y Brockport - Brockport, NY
1995- 1997

Faqs

Do you have a customer satisfaction or refund policy? My goal is to treat every client like they are my only client.
Why should I choose you as my financial advisor? CRD/IARD Number: 2940880 Securities Licenses: Series 65, Series 63, Series 7, Series 24, 55 Insurance Licenses: Life, Annuity, Long-Term Care, Disability, Health, Property & Casualty, B.A. Accounting degree
What are your qualifications? What is your education background? Plan development with fine-tuning changes when appropriate
How do you charge for your services? Financial Planning, Investment Management, Life Insurance, Disability Insurance, Retirement Planning, 401(k) Rollover Assistance
How are you compensated? How will I pay for your services? Approximately 800

FAQs

Do you have a customer satisfaction or refund policy? My goal is to treat every client like they are my only client.
Why should I choose you as my financial advisor? CRD/IARD Number: 2940880 Securities Licenses: Series 65, Series 63, Series 7, Series 24, 55 Insurance Licenses: Life, Annuity, Long-Term Care, Disability, Health, Property & Casualty, B.A. Accounting degree
What are your qualifications? What is your education background? Plan development with fine-tuning changes when appropriate
How do you charge for your services? Financial Planning, Investment Management, Life Insurance, Disability Insurance, Retirement Planning, 401(k) Rollover Assistance
How are you compensated? How will I pay for your services? Approximately 800
If you are going to manage my account, will you obtain my permission every time you buy or sell something? In general, yes although periodically I bring in other professionals when the situation calls for specialized advice.
How many clients do you currently manage? Fee-based, hourly, job-based, commission based
Will you be the only person working with me? Yes
Do you offer any guaranteed results? No
How much risk should I be willing to take? Depends on your time horizon and ability to stomach swings in your portfolio.
Have you ever been charged with any breaches? No
What services do you provide? What are your specialties? Investment planning, retirement planning and debt management
What is your experience? How many clients do you currently manage? I currently manage assets for over 800 clients and have been servicing investors for over 20 - years.
What financial institution(s) do you represent? We clear through National Financial and as an Independent Certified Financial Planner I have access to investments and insurance from hundreds of companies.
What is your approach to financial planning? Fee-based, Commission
What services do you offer? I have the heart of a teacher not a sales person and I try to explain things in terms you will understand.
What are your qualifications? I've successfully navigated many hundreds of rollovers in my career.
What is your approach to 401 K plan rollovers? Only do the rollover if it makes sense. Typically it only makes sense if you receive lower cost, greater ability to diversify and/or the ability to consolidated accounts.
How long does the process of rolling over a 401K plan usually take? One to four weeks
What financial institutions do you represent? We clear through National Financial and as an Independent Certified Financial Planner I have access to investments and insurance from hundreds of companies.
How many years of experience do you have? Over 20 - years
What are your fees for this service? Depends upon the situation
How many 401K rollover clients do you currently manage? 150
Why should I roll over my 401K plan to your firm? I have the heart of a teacher not a sales person and I try to explain things in terms you will understand..

Disclosures

Please see my website for additional information and disclosure www.avhinvest.com. FINRA Broker Check https://brokercheck.finra.org/

Disclaimer

Securities offered through Securities America, Inc. member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. AVH Invest and Securities America are separate companies.

Spencer Corzine

CFP^®, CERTIFIED FINANCIAL PLANNER

As a financial professional with over 23 years' experience, I have a passion for helping clients make wise financial decisions during challenging life events. A change in career whether by choice or through other circumstances can have a lasting impact on personal finances. Having unbiased counsel helping you work through major decisions often brings clarity and direction to your long-term plan. This guidance is offered with "the heart of a teacher" and a low pressure approach.

Investments and Financial Planning can be complicated endeavors. I pride myself in having the ability to explain investing concepts in terms people understand. As an independent Advisor I have no allegiances to any one particular investment product sponsor over another. My primary drive is to help develop and implement portfolios that best meet my clients long-term goals and ensure they understand how it benefits them.

My Services

Financial Planning for Businesses

AVH Invest offers customized transition planning with experience, transparency and integrity. When you request a complimentary consultation, you will meet one-on-one with an experienced financial advisor to discuss your specific needs. Together we go through our L.E.A.D. planning process and develop a strategy taking into account your resources, goals, time-horizon and tolerance for risk.

Financial Planning for Individuals

Financial Advice & Consulting

My Team

Sarah Connolly , Client Services

Office Hours

	Mon.	7:00 AM - 9:00 PM
	Tue.	7:00 AM - 9:00 PM
	Wed.	7:00 AM - 9:00 PM
	Thu.	7:00 AM - 9:00 PM
	Fri.	7:00 AM - 9:00 PM
	Sat.	7:00 AM - 9:00 PM

Communities Served

Austin	Bertram
Dripping Springs	Florence
Georgetown	Hutto
Jarrell	Leander
Liberty Hill	Manor
Marble Falls	Pflugerville
Round Rock	Spicewood
Taylor

Compensation Arrangements

Bank Transfer

Social Networks

Research This Advisor

www.finra.org	www.sec.gov
www.sipc.org	www.aicpa.org

Spencer Corzine, CFP®, CERTIFIED FINANCIAL PLANNER AVH Invest