Business Description
We specialize in retirement and estate planning for families who have serious goals surrounding wealth accumulation and retirement. We focus both on individuals whose investments are in the growth stage and on those who wish to preserve their assets and generate income. Proper asset allocation and diversification are an important focus when considering portfolio composition.
General Information Gender:    Male CRD#:    4149403 Insurance License#:    0D21036 Name of Broker/Dealer:    LPL Financial States Licensed in:    AZ, CA, CO, CT, FL, HI, ID, IL, MN, MO, NE, NM, NV, NY, OH, OK, OR, TX, UT, VA, WA, WV States Willing to do Business in:    CA, AZ Years of Experience in Financial Services:    20+ Number of Years with Current Firm:    10+ I work with the following types of clients:    Individual Investors, Businesses Foreign Languages Serviced:    Spanish
Education Academic Background   Degree in Economics, numerous firm-specific designations, CFP designee within the office.
Services Investment Types:    Commodities, Bonds, Stocks, Annuities, Exchange Traded Funds (ETFs), Alternative Investments, Options & Futures, Mutual Funds, Insurance, Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant Securities Licenses:    Series 66, Series 6, Series 31, Series 7, Series 24 Insurance and Annuity Licenses:    Variable Life, Variable Annuity, Life, Annuity Financial Organization Memberships:    Financial Planning Association (FPA)
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:    400 Firm's Number of Planning Clients:    100 Firm's Number of Managed Clients:    200 Assets Managed by Firm:    $80,000,000
Compliance Registered Representative:    Yes Investment Advisor Representative:    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-only financial professional:    Yes I am a fee-based financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $50,000 Compensation Methods:    Based on Assets, Commissions Fee % Based on Assets:    1.50% Additional Details on Charges:    Preference is unbiased fee-based advice, thus putting advisor and client on the same side of the table. Various products may require different fee structures, though, so this may vary.
Prepared By:	Shawn Hochuli

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

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?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

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Q.	Do you have a customer satisfaction or refund policy?
Our philosophy is to be as transparent and educational as possible with regard to investments. To that point, we try to avoid any lock-in periods or surrender periods. Therefore, a client is welcome to simply transfer his investments to another institution if he/she is not happy with the provided service.

Q.	What are your qualifications? What is your education background?
We have a CFP designee in the office, over 50 years of combined advisory experience, and degrees in Economics.

Q.	What is your approach to financial planning?
A well rounded, properly allocated and diversified investment portfolio is necessary in creating a well-designed financial plan. Taking a family's life goals and objectives into account, along with insurance, investment, education, legacy, and retirement planning into account is a start to achieving these goals.

Q.	How many clients do you currently manage?
We currently manage nearly 500 clients across the United States.

Q.	Will you be the only person working with me?
We have a team of 3 well-qualified advisors within the office. Depending on your comfort level with each member, you will work with any of the three advisors on a specific basis.

Q.	How are you compensated? How will I pay for your services?
We work on a fee basis, eliminating any client/advisor conflicts of interest. That is, we are compensate more highly as your investments earn more. The goal is to eliminate any perceived bias.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
We work hand in hand with our clients on a face-to-face, telephone, and email basis that is dictated by need.

Q.	How much risk should I be willing to take?
Depending on your age, income and financial situation, desired retirement age, and current investment portfolio, you may be in equities (stocks) or fixed income (bonds). What percentage mix of the above entirely depends on what life stage you are in and your risk tolerance. Generally, as someone ages, their assets tend to shift to safer, more income producing investments.

Q.	Have you ever been charged with any breaches?
No, we all have clean records.