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About RAM Financial Services |
With my years of experience in the Financial Planning including Real Estate Brokerage puts me ahead of other advisor's.
I am available to discuss your total financial goals from retirement, real estate, exit strategy etc. |
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General Information |
| Years of Experience in Financial Services: |
27
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| Work Experience: |
General financial planning for individuals and small business. Retirement, college funding, a road map to wealth building.
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| States Licensed in: |
CA, OR,
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| Number of Years with Current Firm: |
5
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| Insurance License#: |
0636606
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| Work with the following types of clients: |
Investment Clubs, Businesses, Individual Investors, Non-Profit Organizations
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| Name of Broker/Dealer: |
Foresters Equity Services, Inc.
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| States Willing to do Business in: |
CA
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Education |
| Academic Background |
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| CFP-(Certified Financial Planner), MBA
CEP-(Certified Estate Planner)
CSA-(Certified Senior Advisor)
Real Estate Broker |
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Services |
| Investment Types: |
Mutual Funds, Bonds, Annuities, Insurance, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI), Real Estate
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| Can meet clients in the following ways: |
Your Office, Email, Phone, Our Office, Your Home
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, Certified Senior Advisor (CSA)®
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| Securities Licenses: |
Series 7, Series 24, Series 63
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| Insurance and Annuity Licenses: |
Variable Life, Variable Annuity, Life, Annuity
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| Financial Organization Memberships: |
Financial Planning Association (FPA), Society of Financial Services Professionals, National Association of Insurance and Financial Advisors (NAIFA)
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Firm Information |
| Assets Managed by Firm: |
Yes
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| Advisor's Number of Clients: |
105
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| Firm's Number of Clients: |
4250
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| Advisor's Number of Planning Clients: |
22
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| Advisor's Number of Managed Clients: |
7
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| Firm's Number of Planning Clients: |
4200
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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 |
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| Fee % Based on Assets: |
.5
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| Additional Details on Charges: |
I am willing to tailor the charges to the specific individual, I am here to create wealth and work with your desired goals.
One hour of FREE consultation. Before you talk to anyone else, I would suggest you call me.
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| Compensation Methods: |
Based on Assets, Hourly, Commissions
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| Minimum Portfolio Size for New Managed Accounts: |
$25,000
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Frequently Asked Questions |
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What are your qualifications? What is your education background? |
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I only suggest investments that I own. |
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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 will be the only person working on your retirement or investments. |
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How many clients do you currently manage? |
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Either fee or commission. |
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Will you be the only person working with me? |
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Only with your permission. |
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Do you offer any guaranteed results? |
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Sorry, we are not able to guarantee results. |
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| Q. |
How much risk should I be willing to take? |
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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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What services do you offer? |
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Come for the school of hard knocks, I will not suggest anything that I would not do myself. |
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Why should I choose you as my financial advisor? |
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CFP, MBA in Finance, 25 years experience, |
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How do you charge for your services? |
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Full financial planning, proactive and I monitor your investment. |
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What services do you provide? What are your specialties? |
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What is your experience? How many clients do you currently manage? |
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working with 45 clients, both individual and small business. |
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What financial institution(s) do you represent? |
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Depending on the clients needs. |
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What are your qualifications? |
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What is your approach to Education Planning? |
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Feel strongly about educate planning. |
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| Q. |
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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Depending on each client. |
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| Q. |
How many years of experience do you have? |
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What are your fees for this service? |
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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 a strong believer in a good education. |
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| Q. |
What are your qualifications? |
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Prepare a plan specifically for each client. |
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| Q. |
What is your approach to 401 K plan rollovers? |
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Each client is different. |
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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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| Q. |
How many years of experience do you have? |
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What are your fees for this service? |
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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 only suggest investment that I hold. |
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