Armand applies his investment and wealth planning experience to provide comprehensive solutions for business owners, families and individuals. He believes in a systematic approach to money management and having a detailed process that is based on the foundation of intellectual rigor and discipline.
Armand holds a Masters of Science Degree in Personal Financial Planning. He is a CERTIFIED FINANCIAL PLANNER™ professional and holds the Certified Investment Management Analyst (CIMA®) designation through the Wharton School at the University of Pennsylvania, among other industry recognized designations.
He was born in St. Petersburg Florida and grew up in the island of Jamaica. Armand has fond childhood memories of raising goats on his families farm in Hanover, Jamaica. Armand returned to the United States in 2002 and attended Eckerd College in St. Petersburg where he received a degree in Economics. Having grown-up in Jamaica and living on a farm, Armand has a true understanding of hard work & dedication, and understands what it takes to be successful.
Armand currently resides in St. Petersburg, Florida and enjoys networking and being active within his community. His hobbies include playing & watching soccer, cycling, and when he is able to get away from the office, traveling.
Armand is a member of the following Professional Associations & Organizations:
* College for Financial Planning Alumni Association
* Eckerd College Alumni Association
* Financial Planning Association of Tampa Bay
* Investment Management Consultants Association
Armand is an independent financial advisor with the Advanced Wealth Planning Group, located in Tampa, Florida. He and his team are CERTIFIED FINANCIAL PLANNER™ (CFP®) professionals, and function as Fiduciary advisors for his clients when building/managing portfolios or doing comprehensive financial planning. He and his team are eager to hear your story and begin to assist you in creating the chapters ahead. Whether it's planning for retirement, investing in your children's' education or ensuring you receive objective advice on a full-range of financial products, they recognize it's your story. They always put your interests first as they function as Fiduciary Advisors. They will guide you through the financial planning process, help you select appropriate solutions, and ensure consistent monitoring for proactive modifications. From the strength of their team of experienced advisors, to the investment and technology platform provided by RBC Correspondent Services, a division of RBC Capital Markets.
Armand, his team, and the Advanced Wealth Planning Group is ready to help you create the future you choose.
Robert Alvarez
CFP
Rob serves as Director of Insurance and oversee all facets of the insurance operations for NBC Securities. He is a third generation Floridian and during his 24 plus years of working in the financial services industry he has had the privilege of serving many families in the Tampa Bay community. He is a graduate of the University of South Florida with a Finance degree and is proud to have earned the Certified Financial Planner designation. His affiliation with NBC Securities has provided him with a platform to continue serving his clients both today and into the future.
General Information |
| Firm Start Year: | 1995 | |
| No. of Employees: | 100-499 | |
| Insurance License#: | Florida P097260 |
| Name of Broker/Dealer: | NBC Securities, Inc. |
| Name of Custodial Firm: | RBC Correspondent Services |
| States Licensed in: | Based on licenses and registrations I hold, I may conduct business in CO, FL, LA, MD, MA, NC, OH and TN. |
| Number of Years with Current Firm: | 7 |
| Work with the following types of clients: | Non-Profit Organizations, Individual Investors, Investment Clubs, Businesses |
| Advisory Services Provided: | Financial Advice & Consulting, Estate Planning & Trusts, Insurance Products & Annuities, Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Tax Advice and Services, Investment Advice & Management |
Services |
| Investment Types: | Bonds, Stocks, Annuities, Insurance, Commodities, Mutual Funds, Alternative Investments, Options & Futures, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Our Office, Phone, Email, Your Office, Your Home, Video Conference, Our Offices |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Disability |
| Financial Organization Memberships: | Investment Management Consultants Association, Financial Planning Association (FPA) |
| Non-Financial Organization Memberships: |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $50,000 |
| Compensation Methods: | Flat Fee, Commissions, Based on Assets, Hourly |
| Fee % Based on Assets: | Varies |
| Hourly Rate: | $150 |
| Additional Details on Charges: |
Typical fee is 1% of assets under management. $5,000 - $99,999 1.50% $100,000 - $1,000,000 1.00% $1,000,001-$2,500,000 .85% $2,500,001 And Greater Management fee negotiable |
| Minimum Fee Charged for Managed Accounts: | N/A |
| Minimum Fee Charged for Hourly Planning Accounts: | N/A |
Education |
| Bachelors in Economics - Economics | Eckerd College
- Saint Petersburg, FL - 05/2006 |
| Masters of Science - Personal Financial Planning | College For Financial Planning
- Denver, CO -12/2015 |
Financial Services |
| Financial Advice & Consulting
Armand takes time to get to know each and every client and their unique financial planning & investments needs. Only after he has a clear understand of what each client is trying to accomplish does he begin the process of financial planning. |
| Financial Planning for Individuals
Armand truly enjoys working with individuals and couples and helping them develop a road map for their financial lives that addresses both their current & future needs. Armand's comprehensive financial plans cover the following areas: Investment Planning, Retirement Planning, Insurance Planning, College Planning, Tax Planning & Estate Planning. |
| Financial Planning for Businesses
Armand will work with small business owners to ensure that they are utilizing an appropriate and cost effective retirement savings plan for their company and employees. He will also review ancillary benefits such as life and disability insurance. |
| Insurance Planning
Armand believes that insurance planning is an integral part of a comprehensive financial plan. As a CERTIFIED FINANCIAL PLANNER, a thorough insurance review is carried out for all clients as part of the financial planning process to ensure that the right coverages are in place. He will focus on Life, Disability (income protection), Long-Term Care and Health Insurance. Armand currently holds his 2-15 license, and is a licensed insurance agent in the State of Florida. |
| Annuities
Annuities can be an integral part of a comprehensive plan. Armand will utilize due care in reviewing current annuities that clients may own and is extremely careful when researching and selecting potential annuity solutions for his clients. Armand currently holds his 2-15 license, and is a licensed insurance agent in the State of Florida and may recommend annuities as part of a broad list of solutions for his clients. |
| Investment Advice & Management
As a Certified Investment Management Analyst (CIMA®)
professional, Armand takes time to review each client's
specific risk tolerance and takes great care in selecting
suitable portfolios and third party money managers for
client accounts. He believes in a systematic approach to
money management and having a detailed process that is based on the foundation of intellectual rigor and
discipline. |
| Retirement Planning
Retirement can be a period of 20, 30 or more years of unemployment. Armand takes retirement planning very seriously. Before recommending that a client retires, he will complete a comprehensive financial plan that addresses all aspects of retirement planning including retirement income distribution planning and evaluating the most tax efficient way on how to spend & invest assets over your retirement years. |
FAQs |
Do you have a customer satisfaction or refund policy?Yes. Either party may terminate the relationship in writing. |
Why should I choose you as my financial advisor?Armand has a degree in Economics from Eckerd college and a Master of Science degree in Personal Financial Planning. He currently holds the following professional designations & licenses: CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Accredited Investment Fiduciary (AIF), Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Other - ChFEBC, AWMA, CRPC, CMFC, & MPAS. Finra 7, 66 & Florida Life, Health & Variable Annuities 2-15. |
What are your qualifications? What is your education background?He applies his investment and wealth planning experience to provide comprehensive solutions for business owners, families and individuals. He believes in a systematic approach to money management and having a detailed process that is based on the foundation of intellectual rigor and discipline. |
How do you charge for your services?Investment Planning & Advice, Retirement Planning, College Planning, Tax Planning and Comprehensive Financial Planning. |
How are you compensated? How will I pay for your services?Armand can be compensated by a Flat Fee for Financial Advice, Commission or a Fee on assets under management. He prefers to give each client the choice to select the method of compensation that is most suitable for their situation. |
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. https://brokercheck.finra.org/ |
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Additional Detailed Disclosures |
Disclaimer |
| Securities and Advisory services offered through NBC Securities, Inc. Member FINRA/SIPC. A Registered Investment Advisor. |
Registered Representative:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
| Mon. | 9:00 AM - 5:00 PM |
| Tue. | 9:00 AM - 5:00 PM |
| Wed. | 9:00 AM - 5:00 PM |
| Thu. | 9:00 AM - 5:00 PM |
| Fri. | 9:00 AM - 5:00 PM |
| Apollo Beach | Belleair Beach |
| Brandon | Clearwater |
| Clearwater Beach | Crystal Beach |
| Dover | Dunedin |
| Gibsonton | Holiday |
| Indian Rocks Beach | Land O Lakes |
| Largo | Lithia |
| Lutz | New Port Richey |
| Odessa | Oldsmar |
| Palm Harbor | Palmetto |
| Pinellas Park | Plant City |
| Riverview | Ruskin |
| Safety Harbor | Saint Petersburg |
| Seffner | Seminole |
| Sun City Center | Tampa |
| Tarpon Springs | Thonotosassa |
| Valrico | Wesley Chapel |
| Wimauma | Zephyrhills |
Armand receiving the Innovation Award
(02/28/2015)
A picture of Armand receiving the Innovation award from JHS's COO & CEO on 02/28/2015.
Innovation Award
(02/28/2015)
Rewarded for his use of technology and for his dedication to furthering his knowledge and expertise. Since joining JHS Capital Advisors, Armand has earned his CFP & CIMA certifications.
| Check |
Social Security tax changes could hit small busine
When: 08/15/2014
Details:Armand's article on Social Security that was
featured in the Tampa Bay Business
Journal.
...more
Making Sense Of Emerging Markets
When: 03/02/2015
Details:Armand was interviewed for this piece by
Financial
Advisor Magazine on Emerging Markets.
...more
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