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Business Description |
| We are a fully independent Financial Planning/Registered Investment Adisory Firm that is dedicated to helping our clients (individuals, families and businesses) address their financial needs and goals using prudent, time-tested techniques of Investment, Insurance, Tax, Education and Estate Planning. |
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General Information |
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| Insurance License#: |
A225970
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| Name of Broker/Dealer: |
Investacorp, Inc.
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| States Licensed in: |
AZ, FL, MS, MT, NY, PA
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| Years of Experience in Financial Services: |
20+
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| Number of Years with Current Firm: |
6
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| Work Experience: |
Owned Financial Planning Broker/Dealer where I was Executive VP, Chief Compliance Officer and Financial Planner from 1996-2003. Currently own a Financial Planning/Registered Investment Advisory Firm.
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| I work with the following types of clients: |
Businesses, Estates, Individual Investors
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Education |
| Academic Background |
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Premed undergraduate at City College NY
Degree in computer technology NYU |
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Services |
| Investment Types: |
Structured Investments, Bonds, Stocks, Annuities, Insurance, Mutual Funds, Alternative Investments, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Securities Licenses: |
Series 63, Series 7, Series 24
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| Insurance and Annuity Licenses: |
Disability, Variable Life, Long Term Care, Variable Annuity, Health, Life, HMO, Annuity
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| Financial Organization Memberships: |
Financial Planning Association (FPA)
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| Non-Financial Organization Memberships: |
Past President: Oldsmar/Eastlake Rotary 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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Compliance |
| Registered Investment Advisor: |
Yes
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| Registered 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: |
Hourly, Based on Assets, Commissions, Flat Fee
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| Fee % Based on Assets: |
1%-1.5%
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| Additional Details on Charges: |
The degree of complexity of the customized Financial Plan creation determines the total fee. However, the fee is usually waved when we implement the plan.
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| Prepared By: |
Alan Rosenberg |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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We do not have a refund policy because we do not receive our compensation until you are completely satisfied with our services and your plan is implemented. |
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What are your qualifications? What is your education background? |
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I have over 20 years experience in the financial services industry. I have owned a financial planning broker/dealer where I served as Chief Compliance Officer as well as a financial planner. I hosted a daily financial radio show for many years. My current company is a Registered Investment Advisory Firm. For more info, please visit my web site at www.alrandcompany.com |
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What is your approach to financial planning? |
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I believe in creating a comprehensive financial plan that is unique to each individual client by bringing together all of your financial goals. The three aspects include: Contingencies for the unexpected, Accumulation for the expected, and Preservation (including Estate Planning) for the later years. |
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What services do you offer? |
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Comprehensive Financial Planning: Investment, tax, estate, retirement, education, and insurance – depending on the personal needs and goals of each client. |
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How many clients do you currently manage? |
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I have approximately 70-75 families. |
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Will you be the only person working with me? |
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Although I am fully licensed to transact both securities and insurance related business necessary to implement a plan, I am not a CPA or estate planning attorney. We often find it necessary to incorporate the skills and expertise of these professionals in order to complete a client’s plan. |
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How are you compensated? How will I pay for your services? |
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Alan L Rosenberg & Company, Inc. is a fee based RIA. We can be compensated through flat fees, hourly fees, a fee as a percentage of assets under management and/or commissions. These fees/commissions are determined prior to any plan implementation and all such fees/commissions are fully disclosed to our clients. |
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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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We have no discretionary accounts under management. All transactions are approved by the client in advance. |
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Do you offer any guaranteed results? |
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A true comprehensive financial plan can only assist you in reaching your goals. It can never guarantee success. There are however certain investment guarantees available from many insurance companies that can be utilized when appropriate. |
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How much risk should I be willing to take? |
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“Risk” is not knowing what you are doing according to Warren Buffet. Market volatility is something completely different. It is important to understand the difference. Different people have different risk tolerance levels. When a financial plan is created and implemented, if you still can’t sleep at night, it wasn’t the right plan for you. |
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Have you ever been charged with any breaches? |
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With more than 20 years in the industry, I am happy to report that I have a 100% clean record with Finra (formerly NASD) as well as all local and state regulatory agencies. |
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