| Advisor Profile |
 |
| Name: |
Alison Perrin, CFP® |
|
|
 |
| Research This Advisor |
|
|
| Request More Information |
|
|
|
|
|
|
Business Description |
| As a member of a wealth management team, I follow a simple 4-step process. I help you clarify your goals and objectives, allocate your assets, create a portfolio for maximum long-term performance and continually monitor this process for successful execution of the strategy. With the assistance of my team which includes an investment specialist, CFP, CPA, estate attorneys and a mortgage specialist, I will guide you through the issues of projecting your retirement income needs, developing a pro-active tax strategy to keep more of what you earn, working on short and long-range planning and evaluating various investment choices in an independent environment. |
|
| |
|
|
General Information |
|
|
|
|
| Insurance License#: |
001077095
|
|
| Name of Broker/Dealer: |
MetLife Securities, Inc.
|
|
| Name of Custodial Firm: |
Pershing
|
|
| States Licensed in: |
CT, RI, OH, MA, ME
|
|
| States Willing to do Business in: |
CT, RI, OH, MA, ME
|
|
| Years of Experience in Financial Services: |
7
|
|
| Number of Years with Current Firm: |
2
|
|
| Work Experience: |
I have worked in insurance and finance my entire working life, about 25 years. Have worked at BCBS of MI, Travelers Ins. Co., Burke, Esposito & Associates (financial planning) and Mercury Wealth Management.
|
|
| I work with the following types of clients: |
Businesses, Non-Profit Organizations, Individual Investors
|
|
| |
|
Education |
| Academic Background |
| |
Bachelor of Arts degree - Mount Holyoke College (1984)
MA, Education work - University of Michigan |
|
| |
|
Services |
| Investment Types: |
Mortgages & Real Estate, Alternative Investments, Exchange Traded Funds (ETFs), Bonds, Stocks, Annuities, Insurance, Commodities, Mutual Funds, Socially Responsible Investments (SRI)
|
|
| |
|
Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, Certified Divorce Financial Analyst(CDFA)
|
|
| Securities Licenses: |
Series 65, Series 63, Series 7, Series 6
|
|
| Insurance and Annuity Licenses: |
Variable Annuity, Long Term Care, Variable Life, Disability, Property, Casualty, Accident, Annuity, Health, Life, HMO
|
|
| Financial Organization Memberships: |
Institute of Divorce Financial Analysts
|
|
| Non-Financial Organization Memberships: |
President, Mount Holyoke Club of Hartford
Board of Directors, Durham/Middlefield Youth and Family Services
Leader, Girl Scouts
|
|
| |
|
Firm Information |
| Number of Advisors in Office: |
100 - 999 employees
|
|
| I work with clients as part of a team: |
Yes
|
|
| Advisor's Number of Managed Clients: |
10
|
|
| Advisor's Number of Planning Clients: |
15
|
|
| Assets Managed by Advisor: |
$1 million +
|
|
| |
|
Compliance |
| Registered Representative: |
Yes
|
|
| Investment Advisor Representative: |
Yes
|
|
| Compliance Disclosures in Last 5 years: |
I have a clean record
|
|
| Criminal Disclosures in Last 5 years: |
I have a clean record
|
|
| |
|
Compensation & Fees |
| Fee Structure: |
I am a fee-based financial professional
|
|
| Compensation Methods: |
Flat Fee, Based on Assets, Commissions, Hourly
|
|
| Fee % Based on Assets: |
1%
|
|
|
|
| Additional Details on Charges: |
On the first $1,000,000 in assets: 1.00%
On the next $500,000 in assets: 0.90%
On the next $500,000 in assets 0.80%
On assets over $2,000,000: 0.75%
|
|
| Minimum Fee Charged for Hourly Planning Accounts: |
$1500
|
|
| Minimum Fee Charged for Flat Fee Accounts: |
$800
|
|
| |
|
| |
| |
| Prepared By: |
Alison Perrin, CFP® |
Frequently Asked Questions |
|
| Q. |
Do you have a customer satisfaction or refund policy? |
| |
We aim to have happy customers. We will work on an individual basis to resolve any issue until the client is satisfied. |
|
| Q. |
What are your qualifications? What is your education background? |
| |
I have passed the series 6, series 7, series 63, series 65 exams as well as licensing in life and health insurance and property and casualty insurance. |
|
| Q. |
What is your approach to financial planning? |
| |
We take a team based approach. Our team includes an investment specialist, CFP, CPA, estate attorneys and mortgage specialist. We then use a four-step process. 1. Determine your goals. 2. Analyze your current situation. 3. Recommend and implement a plan to help you reach your goals. 4. Review your plan on a regular basis. |
|
| Q. |
What services do you offer? |
| |
We are a full financial service firm. We can help you with all aspects of your financial house. |
|
| Q. |
How many clients do you currently manage? |
|
| Q. |
Will you be the only person working with me? |
| |
We take a team approach. You will meet all members of the team and will be able to contact them as you see fit. I will be your primary contact. |
|
| Q. |
How are you compensated? How will I pay for your services? |
| |
I charge a fee for financial planning services which is based on the complexity of the case. The fee can be paid by check or credit card. |
|
| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
|
| Q. |
Do you offer any guaranteed results? |
| |
Yes, we have some insurance products that provide guaranteed results. |
|
| Q. |
How much risk should I be willing to take? |
| |
We use a system to determine each client's risk tolerance. You should take as much risk as you feel comfortable taking. |
|
| Q. |
Have you ever been charged with any breaches? |
|
| Q. |
What carrier(s) do you represent? |
| |
We have access to many carriers. |
|
| Q. |
Are there any pre-existing conditions that you can not cover? |
| |
AIDS, Alzheimer's Disease, ALS, Cystic Fibrosis, Dementia, Senile, Dialysis (current), Huntington's Disease, Muscular Dystrophy (Duchenne type) |
|
| Q. |
How long does it take to complete the application and approval process? |
| |
This depends on your health history. If you are in good health it can take 4 weeks. If you have a more complicated health history it will take longer. |
|
| Q. |
Is there a maximum age that you can insure? |
|
| Q. |
What services do you provide? What are your specialties? |
| |
We offer full service in any aspect of your financial house. |
|
| Q. |
What is your experience? How many clients do you currently manage? |
| |
I have been a financial advisor for over 6 years. I manage ~50 clients. |
|
| Q. |
What financial institution(s) do you represent? |
| |
We are an office of MetLife. Met life does not have any proprietary investment products but we have the freedom to work with almost any investment company. |
|
| Q. |
How do you charge for your services? |
| |
In most cases we charge a percentage of assets under management. In some cases a commission basis works better. |
|
| Q. |
Do you provide a free initial consultation? |
|
| Q. |
Why should I choose you as my financial advisor? |
| |
As a member of a wealth management team, I can provide expertise on any aspect of your financial house. |
|
| Q. |
What are your qualifications? |
| |
I have passed the series 6, series 7, series 63, series 65 exams as well as licensing in life and health insurance. |
|
| Q. |
What is your approach to 401 K plan rollovers? |
| |
I find out what the client's intentions are for the money, how long they have until retirement and other factors that help me make a recommendation to match the client's goals and situation. |
|
| Q. |
How long does the process of rolling over a 401K plan usually take? |
| |
This depends mainly on the company currently holding the 401(k). It can take from 2-6 weeks. |
|
| Q. |
What financial institutions do you represent? |
| |
We are an office of MetLife. MetLife does not have any proprietary investment products but we have the freedom to work with almost any investment company. |
|
| Q. |
How many years of experience do you have? |
|
| Q. |
What are your fees for this service? |
| |
There is no fee for this service. |
|
| Q. |
How many 401K rollover clients do you currently manage? |
|
| Q. |
Why should I roll over my 401K plan to your firm? |
| |
As a member of a wealth management team, I can provide expertise on any aspect of your financial house. In addition to rolling your 401(k) we can help you with any othe rfinancial concerns you may have. |
|
| Q. |
Do you provide a free initial consultation? |
|
|
|
