| Advisor Profile |
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Disclosure Link:
FINRA, SIPC.
The information contained in this e-mail message is being transmitted to and is intended for the use of only the individual(s) to whom it is addressed. If the reader of this message is not the intended recipient, you are hereby advised that any dissemination, distribution or copying of this message is strictly prohibited" target="_blank">WiserAdvisor provides referr...
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| Disclaimer |
| Securities offered through LPL Financial. Member FINRA, SIPC.
The information contained in this e-mail message is being transmitted to and is intended for the use of only the individual(s) to whom it is addressed. If the reader of this message is not the intended recipient, you are hereby advised that any dissemination, distribution or copying of this message is strictly prohibited. |
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About Hoynes Financial Group, LLC |
| Hoynes Financial Group, LLC was founded with the goal of assisting our clients in every aspect of their financial lives. We've provided some of the most personal service available, thus earning a reputation for excellence in our industry. For each of our clients we strive to help create financial stability and security to provide financial independence. |
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General Information |
| Years of Experience in Financial Services: |
20
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| Work Experience: |
Hoynes Financial Group, LLC
SagePoint
Diversified Financial Solutions
Sagemark Consulting
Nestle Waters
United States Army
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| States Licensed in: |
CT, MA, VT, NH, NY, NJ, VA, FL, CA, MI, IL,MI, SC, NC,GA, MI
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| Name of Custodial Firm: |
LPL Financial
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| Number of Years with Current Firm: |
11
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| Insurance License#: |
001070161
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| Work with the following types of clients: |
Businesses, Individual Investors
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| Name of Broker/Dealer: |
LPL Financial
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| States Willing to do Business in: |
All States
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| Advisory Services Provided: |
Tax Advice and Services, Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Risk Management, Money Management, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Estate Planning & Trusts, Financial Advice & Consulting, Insurance Planning, Annuities
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Education |
| Academic Background |
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| Untied States Military Academy-West Point- 1985
Boston University-MSBA- 1992 |
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Services |
| Investment Types: |
Mutual Funds, Bonds, Stocks, Annuities, Insurance, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI)
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| Can meet clients in the following ways: |
Your Office, Email, Phone, Our Office, Your Home, Video Conference
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
ChFC®
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| Securities Licenses: |
Series 7, Series 66
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| Insurance and Annuity Licenses: |
Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Disability
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| Non-Financial Organization Memberships: |
Cheshire Chamber of Commerce
Cheshire Lacrosse Club
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Firm Information |
| Assets Managed by Firm: |
$140mm
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| Assets Managed by Advisor: |
$140m
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| Advisor's Number of Clients: |
150
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| Firm's Number of Clients: |
150
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| Advisor's Number of Planning Clients: |
50
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| Advisor's Number of Managed Clients: |
100
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| Firm's Number of Planning Clients: |
50
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| Firm's Number of Managed Clients: |
150
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Compliance |
| Criminal Disclosures in Last 5 years: |
Have a clean record
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| Compliance Disclosures in Last 5 years: |
Have a clean record
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| Registered Investment Advisor: |
Yes
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| Registered Representative: |
Yes
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| Investment Advisor Representative: |
Yes
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| Acknowledged fiduciary: |
Yes
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Compensation and Fees |
| Fee % Based on Assets: |
1%
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| Additional Details on Charges: |
Fees are negotiable based on individual situations
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| Compensation Methods: |
Based on Assets, Flat Fee
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| Minimum Fee Charged for Managed Accounts: |
$2,000
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| Minimum Fee Charged for Hourly Planning Accounts: |
NA
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Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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What are your qualifications? What is your education background? |
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I try to understand my clients objectives and goals & develop a strategy based on this. I utilize a compehensive web-based software that allows my clients to see real time data versus a static report. |
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How are you compensated? How will I pay for your services? |
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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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I am the main contact, however, our firm has several CPAs for tax preparation and business consultation. |
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How many clients do you currently manage? |
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Typically paid as a percent of assets via the portfolio (1.1%). |
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Will you be the only person working with me? |
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Do you offer any guaranteed results? |
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No. I can not control the stock market or economy. I can help clients set up a realistic plan, however, that is consistent with their objectives and values. |
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How much risk should I be willing to take? |
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Risk varies for each individual. We use two softwares, Riskalyze & Morningstar , to quantify the risk in the portfolio as well as the risk you are willing to take based on your feedback. |
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Have you ever been charged with any breaches? |
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What is your approach to financial planning? |
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I get paid as a percent of assets and in some cases a flat planning fee. |
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What services do you offer? |
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Because I have integrity, a great work ethic , industry knowledge and will work extremely hard to help you achieve your objectives. |
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Why should I choose you as my financial advisor? |
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West Point-BS 1985
Boston University-MSBA- 1992
ChFC |
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How do you charge for your services? |
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Individuals: Financial Planning to include asset management, retirement planning, insurance needs analysis, education planning, long term health care planning & tax preparation.
Business owners: Buy/Sell agreements, 401k plans, insurance needs analysis, business succession. |
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What is your experience? How many clients do you currently manage? |
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I have 5 years of leading soldiers on active duty as an officer in the United States Army integrated with 11 years leading people in corporate America that has provided a foundation to service my clients in financial services for the last 20 years. |
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What financial institution(s) do you represent? |
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I am independent, therefore, I represent my clients in the market place to obtain the most suitable products available from the best providers in the industry.
Our firm clears through LPL Financial. |
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What are your management fees? |
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I get paid a percent of assets. |
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What kind of plans do you specialize in? |
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Analysis of current situation to determine the best type of 401k for the business owner and their employees. |
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Do you have a minimum requirement for number of employees or total investment value? |
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What type of plans do you offer? |
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401k Plans, Safe Harbor Plans, Solo 401k |
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Do you offer any additional services? |
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Advisory services on 401k Plans. |
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What are your qualifications? |
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I have the education and creditials mentioned above and will do what is in your best interest of my clients. |
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What is your approach to Education Planning? |
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Parents should save as much as they can for college education without jeoparadizing savings for retirement. |
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How long does the process of setting up an Education Plan usually take? |
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What financial institutions do you represent? |
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I can work with just about any institution. |
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How many years of experience do you have? |
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What are your fees for this service? |
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I get paid as a percent of assets. |
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How many Education Planning clients do you currently manage? |
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Why should I work with you on setting up an Education Plan? |
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I am independent and objective. |
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What are your qualifications? |
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I have the education and creditials mentioned above and will what is in your best interest. |
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What is your approach to 401 K plan rollovers? |
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My investment platform is a no-load approach where I utilize the best mutual funds , Exchange traded funds and i-shares to provide my clients with good performance at a reasonable cost. |
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How long does the process of rolling over a 401K plan usually take? |
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What financial institutions do you represent? |
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I am independent, therefore, I represent my clients in the market place to obtain the most suitable products available from the best providers in the industry. |
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How many years of experience do you have? |
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What are your fees for this service? |
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I get paid as a percent of assets (1%) |
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How many 401K rollover clients do you currently manage? |
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Why should I roll over my 401K plan to your firm? |
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I have 5 years of leading soldiers on active duty as an officer in the United States Army integrated with 11 years leading people in corporate America that has provided a foundation to service my clients in financial services for the last 20 years. |
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