| Advisor Profile |
|
 |
| Research This Advisor |
|
|
ADV Form II Link:
|
| Request More Information |
|
|
|
|
|
|
Business Description |
| We are a father and son team that combines the enthusiasm of youth with the experience of a seasoned veteran. Charles Utter recently turned over management of the firm to his son Joe but continues with the firm in an a consulting capacity. His experience in the areas of estate tax and charitable planning give the firm a leg up on those that concentrate strictly on the money management and basic financial planning side of the business. We are committed to helping people develop and maintain responsible financial and estate plans. We specialize in planning your retirement income cash flow, optimizing your investment portfolio to support your retirement goals, minimizing or even eliminating estate taxes, and ensuring the successful intergenerational transfer or sale of your closely held business. We measure our contribution by the additional financial security our clients derive from their work with us. Our business is dedicated to extending an umbrella of financial security over the largest number of people and ensuring that it endures beyond their life span to that of their children and grand-children. |
|
| |
|
|
General Information |
|
|
|
|
|
|
| States Licensed in: |
CO, MO, WY, AZ, ND
|
|
| States Willing to do Business in: |
All States
|
|
| Years of Experience in Financial Services: |
34
|
|
| Number of Years with Current Firm: |
34
|
|
| I work with the following types of clients: |
Businesses, Non-Profit Organizations, Individual Investors
|
|
| |
|
Education |
| Academic Background |
| |
| BA, Communications 2003 |
|
| |
|
Services |
| Investment Types: |
Alternative Investments, Annuities, Insurance, Exchange Traded Funds (ETFs), Mortgages & Real Estate, Mutual Funds, Socially Responsible Investments (SRI)
|
|
| |
|
Qualifications & Memberships |
| Securities Licenses: |
Series 65
|
|
| Insurance and Annuity Licenses: |
Disability, Long Term Care, Life, Health, Annuity
|
|
| Financial Organization Memberships: |
National Association of Insurance and Financial Advisors (NAIFA)
|
|
| Non-Financial Organization Memberships: |
Chairman and CEO of the Centennial Fund for the Advancement of Native Americans
|
|
| |
|
Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
|
|
| I work with clients as part of a team: |
Yes
|
|
| Firm's Number of Clients: |
150
|
|
| Firm's Number of Planning Clients: |
150
|
|
| Firm's Number of Managed Clients: |
150
|
|
| Advisor's Number of Managed Clients: |
150
|
|
| Advisor's Number of Planning Clients: |
150
|
|
| |
|
Compliance |
| Registered Investment Advisor: |
Yes
|
|
| Compliance Disclosures in Last 5 years: |
I have a clean record
|
|
| Criminal Disclosures in Last 5 years: |
I have a clean record
|
|
| |
|
Compensation & Fees |
| I am a fee-based financial professional: |
Yes
|
|
| Minimum Portfolio Size for New Managed Accounts: |
$250,000
|
|
| Compensation Methods: |
Based on Assets, Commissions, Flat Fee
|
|
| Fee % Based on Assets: |
1%
|
|
| Flat Fee Rate: |
Negotiable
|
|
| Additional Details on Charges: |
Fee quoted based on the number of hours we estimate based on an hourly rate. This is a flat fee which can be partially offset by commissions.
|
|
| |
|
| |
| |
| Prepared By: |
Joe Utter |
Frequently Asked Questions |
|
| Q. |
Do you have a customer satisfaction or refund policy? |
| |
All Financial Plans will be completed within six months |
|
| Q. |
What are your qualifications? What is your education background? |
| |
I have been in the Financial and Estate Planning business since 1975. There are few situations with which I am not familiar. I have a degree in History and am conversant on many issues of general interest. |
|
| Q. |
What is your approach to financial planning? |
| |
I believe there is a certain process that one must go through to assure that a plan is done well and meets the clients expectations. Those who agree to go through this process are ususlly happy with the result. Those who do not, seldom become clients. |
|
| Q. |
What services do you offer? |
| |
Asset Allocation and Portfolio Management, Estate Planning, Retirement Planning, Life Insurance, Alternative Investments, Annuities, Pension, Profit Sharing, and 401k Plans.
|
|
| Q. |
How many clients do you currently manage? |
|
| Q. |
Will you be the only person working with me? |
|
| Q. |
How are you compensated? How will I pay for your services? |
| |
Your choice of fee only, fees and commissions, or fees offset by commissions. |
|
| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
|
| Q. |
Do you offer any guaranteed results? |
| |
No, investments can never be absolutely guaranteed and financial plans require projections that are inevitably revised when updates are needed. |
|
| Q. |
How much risk should I be willing to take? |
| |
Whatever risk enables you to sleep well at night without worrying about your investments. |
|
| Q. |
Have you ever been charged with any breaches? |
|
| Q. |
What financial institution(s) do you represent? |
| |
We are completely independent. We use the financial institutions that best represent the needs of our clients. |
|
| Q. |
Do you provide a free initial consultation? |
|
| Q. |
Why should I choose you as my financial advisor? |
| |
We are thorough and objective. We follow up religiously and are always available when needed. We will meet with you quarterly to monitor the progress of your investments and annually to review your overall plan. |
|
| Q. |
What are your management fees? |
|
| Q. |
Do you have a minimum requirement for number of employees or total investment value? |
|
| Q. |
What type of plans do you offer? |
| |
401k, pension, profit sharing, SEP,IRA, Simple IRA |
|
| Q. |
Do you provide a free initial consultation? |
|
|
|
