Prudential Financial

Business Description

Full Service Personal and Business Financial Advising: Services Include: Comprehensive Personal and Business Financial Advising, Retirement, Estate and Education Planning, Business Continuation Analysis, Group Benefits and Medical Plan Analysis, Speaking Engagements (Workshops or Seminars)and Complimentary Initial Interviews, 401k, 403(b), 457, IRA plan review and rollovers. Product Solutions: Life and Disability Insurance both Group and Personal(Individual), Long Term Care Insurance, Group Medical and Dental, Group Retirement Plans, Individual Investment Accounts, IRA accounts, Managed Asset Accounts, Stocks, Bonds, Mutual Funds Money Market Accounts and Fixed and Variable Annuities. Work with clients in three ways: Needs based solutions focused on specific concerns or goals, Free or fee based financial planning, Fee based asset management. Truly independent third party analysis with non-proprietary approach to product solution and implementation. Motto: "Building financial futures Together"

Frequently Asked Questions

General Questions

Do you have a customer satisfaction or refund policy?

Financial Planners

What are your qualifications? What is your education background?
How are you compensated? How will I pay for your services?
If you are going to manage my account, will you obtain my permission every time you buy or sell something?
How many clients do you currently manage?
Will you be the only person working with me?
Do you offer any guaranteed results?
How much risk should I be willing to take?
Have you ever been charged with any breaches?

Financial Advisors

Why should I choose you as my financial advisor?
How do you charge for your services?

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• Do you have a customer satisfaction or refund policy?
  All fees for financial planning services are subject to a one year conditional refund. In most instances if a client is dissatisfied with the level of service or advise they have been provided any fees paid will be refunded within 30 days.
• What are your qualifications? What is your education background?
  I follow a multiple solutions approach to financial planning. For every goal concern or issue that my clients are attempting to address, we attempt to create at least three solutions for them. This approach allows our clients to have choices in how they address their financial situation. This approach also helps the client to maintain control vs. their advisor dictating what the client should do.The advisors role is as the coach of the clients financial team, the client is ultimately the team owner and the final decision maker!
• How are you compensated? How will I pay for your services?
  350
• If you are going to manage my account, will you obtain my permission every time you buy or sell something?
  Currently, I am my financial teams lead financial advisor. I have 10 other junior advisors and one personal assisstant. In many cases I will have one or more of these individuals working with me on my clients financial concerns. I am ultimately responsible for the interaction with the client and would remain the primary contact throughout the entire relationship.
• How many clients do you currently manage?
  Salary and bonuses make up the majority of my compensation. I also recieve commissions on products or services I sell.
• Will you be the only person working with me?
  Absolutely
• Do you offer any guaranteed results?
  This is not a business of guarantees. The only garuntees I offer is to address my clients financial situations in an ethical manner and to act as a professional at all times and to provide the absolute best client service.
• How much risk should I be willing to take?
  Risk should never be measured from a mass group prospective. Risk should take into consideration: the goal, time horizon, previous investment experience and knowledge, additional funds available to help meet the goal, future investments to goal and ultimately the clients overall comfort level or tolerance for loss.
• Have you ever been charged with any breaches?
  Never
• Why should I choose you as my financial advisor?
  I have obtained my Series 6, 63, 65, 7, 26 securities and registered principle licenses. Also my Life, Accident/ Health and Variable contracts license. I attended Eastern Michigan University/ Maj. Business Law and Finance I have an Asset Allocation Masters Certification I have completed all of the required educational and work experience elements set by the College for fiancial planning to sit for my CFP exam in March of 2004. Upon successful completion of this exam I will have earned the Certified Financial Planning designation, our industries highest designation
• How do you charge for your services?
  Personal and Business Financial Planning Retirement, College and Insurance analysis Group Benefit, Group Medical and Retirement Plan design and review

Work Samples