Business Description

I provide quality advice to my clients in order to increase my clients' chances to reach their financial goals relative to retirement planning, college funding planning, insurance solutions and estate planning.

Services Offered

	To request additional information please visit our To submit a request please click on the services offered below.
	401K Plan Rollover 401k Plan Services Annuities Business Tax Preparation Business Valuation Education Plans Financial Advisors Financial Planners Group Health Insurance Life Insurance Agents Retirement Planning

Frequently Asked Questions

General Questions
Q.	Do you have a customer satisfaction or refund policy?

Financial Planners
Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

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?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Life Insurance Agents
Q.	What carrier(s) do you represent?

Q.	Are there any pre-existing conditions that you can not cover?

Q.	How long does it take to complete the application and approval process?

Q.	Is there a maximum age that you can insure?

Group Health Insurance
Q.	What type of health plans do you offer?

Q.	What carrier(s) do you represent?

Financial Advisors
Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

Business Tax Preparation
Q.	What are your qualifications and experience?

Q.	Will you come to our location?

Q.	What are your rates?

401k Plan Services
Q.	What are your management fees?

Q.	What kind of plans do you specialize in?

Q.	Do you have a minimum requirement for number of employees or total investment value?

Q.	What type of plans do you offer?

Q.	Do you offer any additional services?

Education Plans
Q.	What are your qualifications?

Q.	What is your approach to Education Planning?

Q.	How long does the process of setting up an Education Plan usually take?

Q.	What financial institutions do you represent?

Q.	How many years of experience do you have?

Q.	What are your fees for this service?

Q.	Why should I work with you on setting up an Education Plan?

Q.	Do you provide a free initial consultation?

401K Plan Rollover
Q.	What are your qualifications?

Q.	What is your approach to 401 K plan rollovers?

Q.	How long does the process of rolling over a 401K plan usually take?

Q.	Do you have a customer satisfaction or refund policy?
We have a refund policy with regard to our fee for planning services. If you are not happy with the job we have done, you are refunded the planning fee.

Q.	What are your qualifications? What is your education background?
I have been in the financial plannign business for over 9 years. On staff, we have parthers with CFP's, Chartered Financial Analyst, MBA's and two with JD's (non-practicing)

Q.	What is your approach to financial planning?
We take a holistic approach to planning, from a global perspective and provide coordination between clients existing asvisors.

Q.	What services do you offer?
Financial planning, consulting, investment management and coordinated estate planning. We also work very well with business owners.

Q.	How many clients do you currently manage?
Active planinng clients of the firm are in the 500 range, with twice that number who have assets managed by us or financial products placed by our planning staff.

Q.	Will you be the only person working with me?
No. We take a coordinated approach with your planning. We have a very "deep bench" of professionals that seek to find gaps in the current planning and offer advise for improvement.

Q.	How are you compensated? How will I pay for your services?
We are paid by planning fees, asset management fees or comissions on products that are placed with our help. It is up to the client to decide.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Due to industry and company rules, we do not have trade discretion, nor do we seek it. We will always seek permission to buy or sell anything for you.

Q.	Do you offer any guaranteed results?
We can not offer guarenteed results on any equity investments. Nor should any othe advisor offer guarentees.

Q.	How much risk should I be willing to take?
It depends upon your goals, time frame and personality. We help you determine your tollarance for risk.

Q.	Have you ever been charged with any breaches?
No.

Q.	What carrier(s) do you represent?
Any good one out there that we can have a relationship with.

Q.	Are there any pre-existing conditions that you can not cover?
It depends on underwriting.

Q.	How long does it take to complete the application and approval process?
three weeks to a month on average.

Q.	Is there a maximum age that you can insure?
No.

Q.	What type of health plans do you offer?
Group Health insurance plans from the major carriers.

Q.	What carrier(s) do you represent?
All major carriers. All major carriers.

Q.	What services do you provide? What are your specialties?
Financial advise for fees and we specialize in successfull business owner planning.

Q.	What is your experience? How many clients do you currently manage?
I personally have over 200 clients and plan to limit my practice to that or a smaller number in the future.

Q.	What financial institution(s) do you represent?
Lincoln Financial Advisors.

Q.	How do you charge for your services?
Depends on time and complexity of the case at hand.

Q.	Do you provide a free initial consultation?
No. The first few vists are free of charge. Only if the client chooses to do busienss with us and we can deliver significant value to we ask to "be hired"

Q.	Why should I choose you as my financial advisor?
You may not. Our mutual decision to work together depends on there being significant value to you, the client. We will work hard to determine if there is a good fit.

Q.	What are your qualifications and experience?
We are not Tax Advisors. However, we can help clients discover possible overpayment of taxes.

Q.	Will you come to our location?
Yes, within reason.

Q.	What are your rates?
It depends on the time and complexity of the case at hand. The mutual decision has to be mutualy benificial to both parties.

Q.	What are your management fees?
Depends on the time and complexity of the case at hand.

Q.	What kind of plans do you specialize in?
Small business qualified retirement planning to include profit sharing.

Q.	Do you have a minimum requirement for number of employees or total investment value?
no.

Q.	What type of plans do you offer?
We offer competitive plans in the 401(k), SEP, SIMPLE and Profit Sharing plans to our clients.

Q.	Do you offer any additional services?
We offer full financial planning servies to our business owners.

Q.	What are your qualifications?
BA from Norwich University, 1991

Q.	What is your approach to Education Planning?
Depends upon the income level of the client. Higher income has different impact on college planning for children.

Q.	How long does the process of setting up an Education Plan usually take?
Two to three visits.

Q.	What financial institutions do you represent?
Depends on the client needs.

Q.	How many years of experience do you have?
8 years personally.

Q.	What are your fees for this service?
Depends on the needs and complexity of the case.

Q.	Why should I work with you on setting up an Education Plan?
You may not. It may not be in the clients best interest to use us. We will help the client make that determination.

Q.	Do you provide a free initial consultation?
No.

Q.	What are your qualifications?
We manage many client 401(k) accounts that have been rolled over into IRA's.

Q.	What is your approach to 401 K plan rollovers?
We give all options to the client.

Q.	How long does the process of rolling over a 401K plan usually take?
3 weeks to one month.