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Business Description |
| David J. Sears educates clients in areas of Retirement & Estate Planning. Being securities licensed (Series 65),a Certified Legal Document Preparer, and an Investment Advisor Representative, allows him to speak effectively on the best approach to protecting one's retirement income and reducing overall tax liabilites. He takes a "Holistic" approach to determining the client's primary needs and concerns and works closely with them to implement appropriate plans that will allow them to meet their goals. (AZLDP #80760) |
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General Information |
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| Name of Custodial Firm: |
TD Ameritrade
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| States Licensed in: |
AZ, CO, IA
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| Years of Experience in Financial Services: |
10
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| Number of Years with Current Firm: |
6
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| Work Experience: |
Retirement & Estate Planning Specialist
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| I work with the following types of clients: |
Individual Investors
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Services |
| Investment Types: |
Annuities, Stocks, Insurance, Mutual Funds, Bonds, Exchange Traded Funds (ETFs), Alternative Investments
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CLDP - Certified Legal Document Preparer
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| Securities Licenses: |
Series 65
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| Insurance and Annuity Licenses: |
Annuity, Life, Health, Disability, Long Term Care
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| Financial Organization Memberships: |
Society of Financial Services Professionals, National Association of Insurance and Financial Advisors (NAIFA), Million Dollar Roundtable
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| Non-Financial Organization Memberships: |
AAIP - Arizona Association of Independent Paralegals
NEB - National Ethics Bureau
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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| I work with clients as part of a team: |
Yes
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| Firm's Number of Clients: |
250
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| Advisor's Number of Clients: |
250
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Compliance |
| Investment Advisor Representative: |
Yes
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| I am an acknowledged fiduciary: |
Yes
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| Compliance Disclosures in Last 5 years: |
I have a clean record
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| Criminal Disclosures in Last 5 years: |
I have a clean record
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Compensation & Fees |
| I am a fee-based financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
$50,000
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| Compensation Methods: |
Based on Assets, Commissions
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| Fee % Based on Assets: |
1 - 1 1/2
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| Prepared By: |
David Sears |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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Yes. For legal document services, no fees are due until all documents are delivered, reviewed and client states that they are exactly as ordered. |
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| Q. |
What are your qualifications? What is your education background? |
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Certified by Supreme Court of AZ as a Certified Legal Document Preparer (AZLPD # 80760)
Securities Licensed - Series 65 Investment Advisor Representative.
Insurance Licensed. (AZ, CO, IA)
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| Q. |
What services do you offer? |
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Insurance Services - Life, Health, Long Term Care, Annuities, Index Annuities.
Legal Document Preparation - Trusts, Wills, Powers of Attorney, Etc.
Portfolio Management - fee based.
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| Q. |
How many clients do you currently manage? |
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Will you be the only person working with me? |
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Primarily.
I have two assistants to complement my practice. |
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How are you compensated? How will I pay for your services? |
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Commission based for Insurance services.
Fee based for Portfolio management.
Fee schedule for Legal Document Services.
Complete fee disclosure prior to plan implementation. |
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| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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| Q. |
Do you offer any guaranteed results? |
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Only on "guaranteed" products. |
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| Q. |
How much risk should I be willing to take? |
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Varies with each client. A risk assessment will be performed with each client. |
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| Q. |
Have you ever been charged with any breaches? |
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What carrier(s) do you represent? |
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Most major carriers. I only work with "A" rated carriers. |
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| Q. |
Are there any pre-existing conditions that you can not cover? |
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Yes. But it depends on the client and the product. |
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| Q. |
How long does it take to complete the application and approval process? |
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Depends on the circumstances. |
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| Q. |
What are your qualifications? |
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Retirement & Estate planning specialist.
Invesment Advisor Representative. |
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| Q. |
What is your approach to 401 K plan rollovers? |
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Determining the retirement income goals for client and implementing a plan to help them reach those goals. |
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How long does the process of rolling over a 401K plan usually take? |
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How many years of experience do you have? |
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Why should I roll over my 401K plan to your firm? |
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We will assess you retirement goals and implement a plan that will help you to reach them. |
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| Q. |
Do you provide a free initial consultation? |
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