Do you have a customer satisfaction or refund policy?
All of the services provided are based upon an at-will policy. We earn our clients and their families trust each and every day. If we do not live up to our clients expectations, any fees that were billed in advance for services will be refunded upon termination of the relationship.
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Why should I choose you as my financial advisor?
At JTL Wealth Partners we deliver a team of credentialed, educated, experienced and action-oriented advisors, including CERTIFIED FINANCIAL PLANNER practitioners (CFP®), a Certified Public Accountant (CPA), as well as Insurance Specialists, and a network of Estate Planning Attorneys that are dedicated to helping you achieve your goals. We can coordinate financial planning, estate planning, investment management and risk management, all in-house.
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What are your qualifications? What is your education background?
I graduated from the University of North Texas and hold the CERTIFIED FINANCIAL PLANNER™ designation that I obtained through Pepperdine University. Through LPL, I hold the Series 7, Series 66, and General Lines Life & Health & Annuities licenses.
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How do you charge for your services?
Hourly or a flat annual fee based upon assets under management. We do not charge a fee on assets that are not under management such 401(k) or 403(b) plans, or assets held in a self-directed investment account.
We do not offer proprietary mutual funds or hedge funds, thus avoiding a significant conflict of interest. We only select investment vehicles from the available universe of securities that we believe are best-in-class for our client's needs, so our compensation is the same regardless of which investments we recommend.
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How are you compensated? How will I pay for your services?
My annual compensation is determined based upon the revenue generated from assets under management. All management fees are assessed on a quarterly basis and deducted quarterly from the cash balance from the portfolio.
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If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Typically, clients provide me with discretionary ability to make portfolio changes when necessary. Discretionary ability allows me to make proactive and time sensitive portfolio changes without obtaining permission at the individual account level. However, we do make accommodations in situations when a client would like to discuss changes prior to implementation.
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Will you be the only person working with me?
Yes.
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Do you offer any guaranteed results?
No, I do not.
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How much risk should I be willing to take?
Prior to portfolio implementation, a thorough risk assessment will be conducted to determine each individuals appropriate risk budget for their portfolio. We conduct ongoing due diligence through client meetings to determine if any changes to the risk budget is appropriate.
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Have you ever been charged with any breaches?
No, I have not. I am proud to say that if you research my FINRA brokercheck, you will find that I do not have any disclosures.
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What services do you provide? What are your specialties?
Portfolio Management, Financial Planning, Estate Planning, Tax Planning, Health Care Planning, Pre and Post IPO Planning, Life Insurance, Disability Insurance, Long-Term Care, Executive Compensation, Employee Benefit Plans, Employee Stock Options, Restricted Stock, Deferred Compensation, Small to Medium Business Retirement Plans, Roth Conversions, Charitable Gifting, Social Security, Budgeting, and Cash Flow Analysis.
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What is your experience? How many clients do you currently manage?
My personal journey into the world of wealth management and financial planning started in 2009. I have worked for one of the world's largest global financial institutions, as well as one of the world's largest online investment platforms before joining JTL Wealth Partners. As a team, we have over 50 years of combined experience providing financial planning and asset management to our clients, and we are licensed in 26 states.
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What financial institution(s) do you represent?
LPL Financial
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What is your approach to financial planning?
I believe that when it comes to forecasting a financial future, the best way to is to create a plan for it. By engaging in a methodical "my future and beyond" planning process, I can provide the necessary blueprints that are required to pursue the desired outcomes for your wealth. I also believe that a great plan must also include optimizing the investments that are incorporated into the plan.I focus on strategies that can help identify or implement the reduction of portfolio expenses, minimizing capital gains distributions, tax harvesting opportunities, strategic diversification of concentrated holdings, striving to enhance total portfolio income, as well as many other investment strategies.
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What services do you offer?
Portfolio Management, Financial Planning, Estate Planning, Tax Planning, Health Care Planning, Pre and Post IPO Planning, Life Insurance, Disability Insurance, Long-Term Care, Executive Compensation, Employee Benefit Plans, Employee Stock Options, Restricted Stock, Deferred Compensation, Small to Medium Business Retirement Plans, Roth Conversions, Charitable Gifting, Social Security, Budgeting, and Cash Flow Analysis.
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What are your qualifications?
As a CERTIFIED FINANCIAL PLANNER, I am held to the highest fiduciary standard when determining if a 401(k) plan rollover is in the clients best interest. Not every situation warrants a rollover, and you can expect full transparency if that situation applies to you.
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What is your approach to 401 K plan rollovers?
I obtain all relative documents pertaining to the 401(k) plan that includes all investment options, applicable plan fees and internal expenses related to all the investments options to determine if a rollover is in your best interest. If you do not have the plan documents, I will reach out to the 401(k) plan sponsor on your behalf to request the plan documents. Once the plan documents have been reviewed and analyzed, then due diligence is conducted to determine if a rollover to an IRA is in your best interest. In the event that you have changed employers, then additional due diligence will be necessary to determine if a rollover into your new employer 401(k) plan is in your best interest.
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How long does the process of rolling over a 401K plan usually take?
401(k) plan rollovers can typically take anywhere from 5-10 business days after a request has been submitted to the 401(k) plan custodian. Once the request has been submitted to the 401(k) plan custodian, a check will be mailed to either the address on file for the account holder or directly to LPL Financial.
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What financial institutions do you represent?
LPL Financial
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How many years of experience do you have?
I am approaching 12 years of financial planning and portfolio management experience.
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What are your fees for this service?
We do not charge a fee for the rollover process. In certain situations, a small fee ($25 - $50) may be charged by the 401(k) plan custodian. If we will be managing the assets upon transfer to LPL, then an agreed upon pre-determined flat annual percentage of assets under management will be applied.
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