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 much risk should I be willing to take?

Depends on your time horizon and ability to stomach swings in your portfolio.

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?

I have the heart of a teacher not a sales person and I try to explain things in terms you will understand.

What services do you offer?

Financial Planning, Investment Management, Life Insurance, Disability Insurance, Retirement Planning, 401(k) Rollover Assistance

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.

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.

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..

VETTED

Spencer Corzine

Q: Do you have a customer satisfaction or refund policy?

My goal is to treat every client like they are my only client.

Q: 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

Q: What are your qualifications? What is your education background?

Plan development with fine-tuning changes when appropriate

Q: How are you compensated? How will I pay for your services?

Fee-based, hourly, job-based, commission based

CFP^®

Tel: 512-588-2770 500 E. Whitestone Blvd. P.O. Box 1977 Cedar Park, TX 78630

Opportunity Through Transition

About Spencer Corzine

As a financial professional with over 26 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.

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 $200,000,000 of assets under management. We are affiliated with a fully independent Broker Dealer with no proprietary products.

See Disclosures

Our Team

Sarah Connolly

Client Services

Sarah Connolly

Client Services

General Information

Firm Start Year:

1997

No. of Employees:

5-9 Employees

Insurance License#:

LA-951910

Name of Broker/Dealer:

Osaic Wealth, 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

Communities served:

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

Number of Years with Current Firm:

Work Experience:

Wall Street Financial Group Merrill Lynch

Work with the following types of clients:

Businesses, Individual Investors, Non-Profit Organizations

Advisory Services Provided:

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

Qualifications & Memberships

Insurance and Annuity Licenses:

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

Services

Investment Types:

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

Can meet clients in the following ways:

Email, Your Office, Phone, Video Conference, Your Home, Our Office

Compensation and Fees

Fee Structure:

Fee-Based

Minimum Portfolio Size for New Managed Accounts:

$100,000

Compensation Methods:

Hourly, Flat Fee, Commissions, Based on Assets

Fee % Based on Assets:

Hourly Rate:

$250

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 Hourly Planning Accounts:

$250

Minimum Fee Charged for Flat Fee Accounts:

$250

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:

$350,000,000

Advisor's Number of Clients:

600

Advisor's Number of Managed Clients:

350

Advisor's Number of Planning Clients:

500

Total Assets Under Management by Advisor:

$200,000,000

Preferred meeting methods

I provide a free initial consultation:

Yes

Education

B.A. Accounting:

S.U.N.Y Brockport

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

Portfolio Management

Retirement Planning

Are you concerned about retirement income? If so, take heart, you are not alone. According to a Transamerica Center for Retirement Studies survey, the number one fear (43%) is Outliving Savings and Investments. A large part of our practice involves helping soon-to-be retirees calm those fears by creating sustainable retirement income plans. We consider this as one of the "Big Three Retirement Decisions" retirees face along with when to collect Social Security and the Pension/Lump-sum retirement decision. In our practice we discuss six options for structuring retirement income. Dividends Fixed Income Account Liquidations Annuities Buckets Combination Developing a retirement income plan is a BIG decision and it is never too early to start planning. Consider hiring a professional for a second set of eyes to review your plan. This is one of the "Big Three Retirement Decisions" so why not spend a little time and money to ensure you look at it from all angles.

401K Rollovers

Tax Advice and Services

We have utilized Holistiplan tax planning software to analyze and review tax returns looking for areas of improvement in various tax situations.

Education Funding and Planning

Investment Advice & Management

Do you have a customer satisfaction or refund policy?

Why should I choose you as my financial advisor?

What are your qualifications? What is your education background?

How do you charge for your services?

How are you compensated? How will I pay for your services?

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.

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

Additional Detailed Disclosures

https://www.wiseradvisor.com/disclosure/1886540/wiseradvisor-avh-invest-detailed-disclosure.html

Disclaimer

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

25 Years of Experience

CRD# 2940880 Firm CRD# 10205Insurance License# LA-951910Series: 65, 24, 55, 63, 7

Compliance

Registered RepresentativeYes

Investment Advisor RepresentativeYes

Acknowledged fiduciaryYes

Compliance Disclosures in Last 5 yearsI have a clean record

Criminal Disclosures in Last 5 yearsI have a clean record

Office Hours

Monday7:00 AM - 9:00 PM

Tuesday7:00 AM - 9:00 PM

Wednesday7:00 AM - 9:00 PM