| Advisor Profile |
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Business Description |
Our business is focused on two main areas.
1) Distribution planning. We focused on helping retirees, and those preparing for retirement to set up programs that will allow them to retire and have the income that they need.
2) Money management. We beleive that client should make money whether the stock market goes up or down. We use models that are designed with that capability in mind. |
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General Information |
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| States Licensed in: |
CA, ID, OR, UT, WA
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| Years of Experience in Financial Services: |
21
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| Number of Years with Current Firm: |
6
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| I work with the following types of clients: |
Individual Investors, Non-Profit Organizations, Businesses
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Services |
| Investment Types: |
Exchange Traded Funds (ETFs), Mortgages & Real Estate, Stocks, Mutual Funds, Insurance, Annuities, Bonds, FOREX & Currency, Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, Certified Senior Advisor (CSA)®
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| Securities Licenses: |
Series 63, Series 7
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| Insurance and Annuity Licenses: |
Long Term Care, Variable Life, Variable Annuity, Life, Health, Annuity
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| Financial Organization Memberships: |
Financial Planning Association (FPA)
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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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Compliance |
| Registered Investment Advisor: |
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: |
$500,000
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| Compensation Methods: |
Based on Assets, Flat Fee
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| Prepared By: |
Jim Black, CFP® |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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Any client can request a refund of planning fees at any time for a 100% money back guarantee. No questions asked. |
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What are your qualifications? What is your education background? |
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What is your approach to financial planning? |
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We create and implement plans so that our client have the income that they need and want for the rest of their lives. This does not mean that we use just annuities, or cd’s. We actually earmark each asset for a specific time and need. Those assets that are needed for income immediately are kept in liquid accounts. Those that may not be needed for more than 10 years, may be in the market. |
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What services do you offer? |
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We create and implement a plan for our clients to generate the income that they need for the rest of their lives |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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A client can engage the firm to do the plan, and not have us manage any of the assets. If they do have us manage some assets, we do not make any money buying or selling. We charge a management fee. If we make a change to a client account our clients know that we are doing what is in their best interest, since we make nothing on those trades. |
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How much risk should I be willing to take? |
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Risk is a decision based upon how much income you need, your age, and the size of your assets. If you have enough assets to generate the income that you need for the rest of your life, why take any risk at all? That of course, would be an ideal situation, and few actually have that option, but we put only as much money at risk as we need to, to accomplish their goals. |
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Do you provide a free initial consultation? |
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What is your approach to 401 K plan rollovers? |
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It depends upon the percentage of the estate that is in the rollover, how much income the client needs, their tax bracket, and if they have a pension or when they will be receiving social security.
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