| Advisor Profile |
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ADV Form II Link:
Available on Request.
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| Request More Information |
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| Disclaimer |
| Investment Advisor Representative with and Securities and Investment Advisory Services offered through InterSecurities, Inc., member FINRA, SIPC and a Registered Investment Advisor. |
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Business Description |
DO YOU NEED HELP WITH A FINANCIAL QUESTION OR PROBLEM?
With today's crazy markets, people losing huge amounts in their retirement and investment accounts, how do you get back on track? Are there better, safer ways to achieve what you want? Can you retire when you want or get your retirement savings to last your lifetime? For immediate help, call or email us for a no cost, no obligation recommendation.
Our services include investment management, asset allocations, guaranteed income IRA's, Roth IRA's, SEP's, 401k's, Profit Sharing Plans, 403b's, 529's, college planning and savings, group benefits, annuities, life, health, disability and long term care insurance throughout the Tampa Bay area and the U.S. |
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General Information |
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| Insurance License#: |
FL - A21831, CA - 0815779
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| Name of Broker/Dealer: |
InterSecurities, Inc.
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| Name of Custodial Firm: |
Pershing, LLC
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| States Licensed in: |
FL, CA, OH, PA, NY, NJ, MA, IN, IL, IA, NE, KS, OK, TX, OR, WA
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| Years of Experience in Financial Services: |
28
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| Number of Years with Current Firm: |
28
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| Work Experience: |
I have spent the last 28 years working with businesses and individuals on their financial objectives.
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| I work with the following types of clients: |
Businesses, Investment Clubs, Non-Profit Organizations, Individual Investors
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Education |
| Academic Background |
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Bachelor of Science in Finance
Masters in Business Administration |
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| Investment Types: |
Mutual Funds, Annuities, Insurance, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CEP(Certified Estate Planner), Chartered Financial Consultant (ChFC®)
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| Securities Licenses: |
Series 65, Series 63, Series 22, Series 6
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| Insurance and Annuity Licenses: |
Variable Annuity, Long Term Care, Variable Life, Disability, Annuity, Health, HMO, Life
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| Financial Organization Memberships: |
National Association of Insurance and Financial Advisors (NAIFA), Society of Financial Services Professionals
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| Non-Financial Organization Memberships: |
Church, USHS, HCHS, Moffit Cancer Center, Tennis Club
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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: |
457
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| Firm's Number of Planning Clients: |
187
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| Firm's Number of Managed Clients: |
128
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| Assets Managed by Firm: |
$35,000,000
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| Advisor's Number of Clients: |
224
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| Advisor's Number of Managed Clients: |
83
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| Advisor's Number of Planning Clients: |
95
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| Assets Managed by Advisor: |
$23,000,000
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Compliance |
| Registered Representative: |
Yes
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| Investment Advisor Representative: |
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: |
$25,000
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| Compensation Methods: |
Commissions, Hourly, Flat Fee, Based on Assets
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| Fee % Based on Assets: |
.8% - 1.7%
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| Additional Details on Charges: |
Institutional Money Managed accounts use Stocks, Bonds, EFT's, etc.
Flat fees range from $750.00 and up, depending the type and amount of work to be done.
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| Minimum Fee Charged for Managed Accounts: |
.8%
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| Minimum Fee Charged for Hourly Planning Accounts: |
$250.00
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| Minimum Fee Charged for Flat Fee Accounts: |
$750.00
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| Prepared By: |
Norman Raymer |
Frequently Asked Questions |
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| Q. |
What are your qualifications? What is your education background? |
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I have an MBA, registered Chartered Financial Consultant and a Certified Estate Planner. |
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What is your approach to financial planning? |
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We are a client service oriented firm, with emphasis on the client's needs, wants and goals. |
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What services do you offer? |
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Financial, Retirement and Estate Planning along with investment advise and management. We also offer all types of Business benefit packages and succession planning. |
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How many clients do you currently manage? |
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Our firm currently manages 202 personal and 104 business clients. |
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Will you be the only person working with me? |
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How are you compensated? How will I pay for your services? |
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I am compensated by either hourly, fee based or commission depending on what our clients needs and wants. |
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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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That is the only way we work. We do not proceed with any transactions without the client's permission. |
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Do you offer any guaranteed results? |
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Not on investment returns, but there are some products available, if they fit the client's objectives that offer some guarantees. |
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How much risk should I be willing to take? |
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Each client has their own ideas of risk, and we have ways of determining your individual risk tolerance, and we review that on a regular, ongoing basis. |
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Have you ever been charged with any breaches? |
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Never in my 28 years in business. |
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What carrier(s) do you represent? |
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Multiple carriers, too numerous to list. If a client has a particular carrier they prefer, we can accomidate them. |
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Are there any pre-existing conditions that you can not cover? |
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There may be some, but each individual situation is taken by itself and any appropriate carriers who consider those conditions will be contacted. |
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How long does it take to complete the application and approval process? |
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Depending upon the situation, it can take from 10 to 60 days, sometimes longer. |
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Is there a maximum age that you can insure? |
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Generally, no. However, at some ages, the insurance can become cost prohibitive. |
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What services do you provide? What are your specialties? |
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Retirement, Financial and Estate Planning. Individual and business investment management and benefits. |
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What is your experience? How many clients do you currently manage? |
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I have 28 years of experience and currently manage about 120 clients. |
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What financial institution(s) do you represent? |
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I do not represent any one financial institution. |
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How do you charge for your services? |
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Either Fee based, hourly, or commission depending upon the client's needs and wants. |
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Do you provide a free initial consultation? |
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Why should I choose you as my financial advisor? |
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Because of my background, I use a unique approach of learning about my clients before any recommendations. The most important thing I do is listen to my client to see exactly what they wish to achieve. |
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What are your management fees? |
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Depending upon the total amount of assets under management, between .25% and .50% per year. |
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What kind of plans do you specialize in? |
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Plans that help the business owner maximize their deferrals for themselves or their employees. |
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Do you have a minimum requirement for number of employees or total investment value? |
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No, there are no minimums. We will also help with the start up of new plans. |
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What type of plans do you offer? |
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Special non-qualified deferred compensation plans for business owners and/or their highly compensated employees, along with 401k, profit sharing, 403b, 429, and Defined Benefit plans. |
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Do you offer any additional services? |
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Life, health and disability plans, either group or individual. |
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What are your qualifications? |
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A Masters in Business Administration, major in Finance; a Chartered Financial Consultant, a Certified Estate Planner and licensed in 28 states. |
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What is your approach to Education Planning? |
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We have a unique plan that helps students and their families choose the correct colleges, and finding available funding from grants, and financial aid to cover the ever increasing costs of college. |
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How long does the process of setting up an Education Plan usually take? |
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Anywhere from a few days to a few weeks, depending on the type of help and planning the student's family is seeking. |
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What financial institutions do you represent? |
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I do not represent any one financial 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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Our fees can be fixed, hourly or by commission, based upon the client's goals. |
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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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Because of our unique way of helping families to obtain the maximum amount of grants and financial aid available. |
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Do you provide a free initial consultation? |
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What are your qualifications? |
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The ability of offering a multitude of options for out clients. |
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What is your approach to 401 K plan rollovers? |
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What is the best option for the client. This is based upon income needs, investment risk, and time to retirement. |
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How long does the process of rolling over a 401K plan usually take? |
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Usually ten days to two weeks. |
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What financial institutions do you represent? |
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No one institution. The client helps to choose the one they feel most comfortable with. |
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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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They can be fee based, hourly, or commissioned, depending the type of rollover chosen by the client. |
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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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Because we take into account what income you need, when you need it and how often. Our advise is never based upon what is best for our firm. |
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Do you provide a free initial consultation? |
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