Business Description

We are an independent wealthcare firm that specializes in helping investors efficiently achieve their desired investment income objectives and financial goals with reduced risk, tax and cost. We offer holistic, inflation-adjusted income plans, risk-controlled investment portfolio management and wealth preservation solutions for retirement accounts, trusts and lump-sum proceeds.

Our wealthcare philosophy is based on the highest ethical standards of fiduciary care and a passionate belief that protecting our clients' investment principal is equally as important as achieving excess investment returns. Our clients also have the peace of mind knowing that they have entrusted their financial future to a firm that truly cares about their financial and personal success.

Visit our web site for more information, including details on our online educational seminars.

General Information

Gender:

Male

CRD#:

1340357

SEC File#:

801-60827

Insurance License#:

NV-19336 & CA-0C29882

Name of Custodial Firm:

Charles Schwab and Company, Inc.

States Licensed in:

SEC licensed in all states.

States Willing to do Business in:

All states.

Years of Experience in Financial Services:

Number of Years with Current Firm:

Work Experience:

Wells Fargo PCS, A.G. Edwards, Smith Sarney &
Prudential-Bache.

I work with the following types of clients:

Businesses, Individual Investors

Education

Academic Background

B.A. in Psychology. State University of New York at Geneseo. 1978

Services

Investment Types:

Insurance, Annuities, Stocks, UMA, Bonds, Alternative Investments, Exchange Traded Funds (ETFs)

Qualifications & Memberships

Certifications, Accreditations & Designations:

Certified Retirement Counselor (CRC), Registered Financial Consultant (RFC), Accredited Investment Fiduciary® (AIF)

Securities Licenses:

Series 65, Series 63

Insurance and Annuity Licenses:

Health, Annuity, Disability, Long Term Care, Life

Financial Organization Memberships:

Paladin Registry

Firm Information

Number of Advisors in Office:

Up to 10 employees

I work with clients as part of a team:

Yes

Firm's Number of Clients:

1100

Firm's Number of Planning Clients:

Firm's Number of Managed Clients:

1100

Assets Managed by Firm:

$400,000,000

Advisor's Number of Clients:

Advisor's Number of Managed Clients:

Advisor's Number of Planning Clients:

Assets Managed by Advisor:

$10,000,000

Compliance

Investment Advisor Representative:

Yes

I am an acknowledged fiduciary:

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

I am a fee-based financial professional:

Yes

Minimum Portfolio Size for New Managed Accounts:

$250,000

Compensation Methods:

Based on Assets, Commissions

Fee % Based on Assets:

@1.6%

Additional Details on Charges:

Our all-inclusive fees decrease significantly as the account size increases. Our income planning services are also included at no additional cost. View our fee schedule at www.sicg.net.

Prepared By:

Ray Shreder

Most Recent Update:

07/13/2008