| Advisor Profile |
 |
| Name: |
PHILIP J. CARBINE, BRANCH MANAGER |
|
|
 |
| Research This Advisor |
|
|
| Request More Information |
|
|
|
|
|
|
Business Description |
| Home of the "No Fee" Free Consultation Guarantee.We Bring Your Street to Wall Street, Helping Both Consumers & Small Business Owners Build Financial Security Using Time Tested Programs. We Focus on Pre & Post Retirement Planning. Helping To Build & Protect Your Wealth is Our #1 Goal. |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
| |
| Prepared By: |
PHILIP J. CARBINE, BRANCH MANAGER |
Frequently Asked Questions |
|
| Q. |
Do you have a customer satisfaction or refund policy? |
| |
We do not charge a fee, all consultations are free. |
|
| Q. |
What are your qualifications? What is your education background? |
| |
All representatives are licensed not only with their home state but all states that we do business. Also for securities we are Series 6 Registered Representatives with the National Association of Securities Dealers. In addition we only appoint Certified Senior Advisors, who have been certified by the Society of Certified Senior Advisors. |
|
| Q. |
What is your approach to financial planning? |
| |
Due to the world in which we live we believe in safety first. Most of us cannot afford another major down turn in the market,which is more likely then not to happen again.As Wil Rogers once said: " I am more concerned with the return of my principal then the return on my principal". |
|
| Q. |
What services do you offer? |
| |
We specialize in both pre & post retirement planning. We also have Reverse Mortgage specialists to help those 62 or older improve their standard of living. Our reverse mortgage web site is www.reversemortgagenation.com/csa |
|
| Q. |
How many clients do you currently manage? |
| |
We currently work with over 500 clients. This is made up of small businesses and their employees and individual clients. |
|
| Q. |
Will you be the only person working with me? |
| |
No! We have 2 other CSA's on staff. |
|
| Q. |
How are you compensated? How will I pay for your services? |
| |
We do not charge a fee at this time. Due to the number of people we consult in a given week it is not an issue. We are compensated by the companies we represent. |
|
| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
| |
There is confusion today between financial represenatives and money managers. Money managers deal only with the wealthy and have permission to trade on the clients behalf on a daily basis. Most financial plans for the masses are reviewed annually and more often based on each clients portfolio and needs. Trades are then made as agreeded upon by the client. |
|
| Q. |
Do you offer any guaranteed results? |
| |
No, since the client completes an investment profile he or she determines the risk level.Even though we do believe in safety first,we will always comply with our clients wishes within our ability to do so. |
|
| Q. |
How much risk should I be willing to take? |
| |
The clients good judgement dictates but we should take into consideation the world in which we live. |
|
| Q. |
Have you ever been charged with any breaches? |
|
| Q. |
What carrier(s) do you represent? |
| |
We can represent most if not all A rated or better companies permitted for sale in your state. |
|
| Q. |
Are there any pre-existing conditions that you can not cover? |
| |
Due to the advent of clinical underwriting more medical issues are approved today then years ago when we may have had a problem. It is always prudent not ot assume and call us @800-547-6680 and speak to our life insurance professional. |
|
| Q. |
How long does it take to complete the application and approval process? |
| |
It depends on how fast you complete any documents,see the visiting nurse,if needed and especially getting your medical records ,if needed,from your doctor or hospital.30 days or less on average. |
|
| Q. |
Is there a maximum age that you can insure? |
|
| Q. |
What services do you provide? What are your specialties? |
| |
We specialize in pre&post retirement planning, although we are licensed in the state and NASD for the sale of mutual funds,IRA's, 529 Plans,401K,Long Term Care Ins. ,Medicare Supplements, to give you an idea. It doesn't hurt to ask. |
|
| Q. |
What is your experience? How many clients do you currently manage? |
| |
I have been in practice for 27 years,prior to that I was a Consumer Finance Officer with a major Phila. Pa. Bank.In all we have about 500 clients. Made up of small business groups and individual clients. |
|
| Q. |
What financial institution(s) do you represent? |
| |
Sammons Securities LLC, who is a national securities firm that allows me to bring Wall Street to your street. |
|
| Q. |
How do you charge for your services? |
| |
We offer the No Fee, Free Consultation Guarantee. We are compensated by the companies we represent. |
|
| Q. |
Do you provide a free initial consultation? |
|
| Q. |
Why should I choose you as my financial advisor? |
| |
For several reasons. We do not charge a fee and we do not forsee changing that at this time. We do not believe that one size shoe fits all. You must complete a brief questionaire which will tell us your risk tolarence and we build a plan from there. I am a former Banker,the old school, which means we are here to serve not sell. You have a need lets fill it, If not have a nice day.27yrs in busines |
|
|
|
