| Advisor Profile |
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Business Description |
Canella Financial Group offers comprehensive financial consulting services as well as a full range of financial products and services to help clients reach their financial goals.
We consult with clients to develop strategic financial solutions to help them move toward reaching their financial goals by analyzing the six key areas of financial consulting as defined by the Certified Financial Planner Board of Standards, Inc.
The six areas of financial consulting are as follows:
1. Current Financial Position
Knowing your Net Worth
Tracking Income and Expenses
2. Protection Planning
Analyzing Survivor Needs for Premature Death
Replacing Earning Power if Disabled
Providing for Potential Long Term Care Cost
Property and Casualty Protection
3. Tax Planning
Portfolio Tax Planning for Capital Gains and Losses
Tax Deferral through Qualified Retirement Plans
Tax-Exempt Investments
Tax-Deferred Annuities
Referral to Qualified Tax Preparer – Certified Public Accountant
4. Investment Planning
Accumulating funds for a Special Purpose
Reviewing your Investment Portfolio
Asset Allocation Strategies
5. Retirement Planning
Reviewing Retirement Income Sources
Social Security, Employee Benefits, Personal Savings
Qualified Plan Rollovers
Retirement Income Strategies
Medical Care and Long Term Care Planning
6. Estate Planning
Managing Estate Settlement Cost
Transfer of Ownership
Beneficiary Designations
Asset Ownership Designation
Referral to Qualified Professionals – Estate Planning Attorney |
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General Information |
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| Name of Broker/Dealer: |
NEXT Financial Group
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| States Licensed in: |
PA, OH, WV
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| States Willing to do Business in: |
PA, OH, WV
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| Years of Experience in Financial Services: |
16
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| Number of Years with Current Firm: |
6
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| I work with the following types of clients: |
Non-Profit Organizations, Businesses, Individual Investors
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Education |
| Academic Background |
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MBA - Duquesne University (1990)
BS, Business Administration - Duquesne University (1980) |
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Services |
| Investment Types: |
Real Estate, Alternative Investments, Bonds, Stocks, Annuities, Insurance, Commodities, Mutual Funds, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, Certified Financial Planner
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| Securities Licenses: |
Series 7, Series 24, Series 63, Series 65
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| Insurance and Annuity Licenses: |
Disability, Variable Annuity, Long Term Care, Variable Life, Property, Life, Casualty, Accident, Annuity, Health, HMO
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| Financial Organization Memberships: |
Financial Planning Association (FPA)
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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Compliance |
| Registered Representative: |
Yes
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| Investment Advisor Representative: |
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: |
50000
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| Compensation Methods: |
Flat Fee, Based on Assets, Commissions
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| Prepared By: |
Sarvey Canella |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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We offer customer satisfication to the financial planning analysis prepared to be professional and accurate based on your information. |
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What are your qualifications? What is your education background? |
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Graduated from Duquesne University in 1980 with a BS in Business, MBA from Duquesne University in 1990, earned the Certified Financial Planner designation in 1998, Ed Slott’s Elite IRA Advisor Group Member. |
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What is your approach to financial planning? |
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We utilize our unique and proprietary process to help you meet your financial goals and dreams. Sometimes this means using a combination of various strategies. |
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What services do you offer? |
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Comprehensive Financial Planning and Wealth Management Services. |
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How many clients do you currently manage? |
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Will you be the only person working with me? |
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I will be your primary advisor. |
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How are you compensated? How will I pay for your services? |
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I am a fee based advisor. The fee is based on a combination of a flat fee for the financial analysis and an asset based fee for managing the assets. |
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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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Accounts are managed on a non-discretionary basis unless we determine together that the utilization of an active manager is beneficial. |
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Do you offer any guaranteed results? |
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We can not offer guaranteed results, however we do offer programs where the fee is based on the performance of the account. |
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How much risk should I be willing to take? |
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You should only take on the amount of risk that your financial situation can warrant. We will prepare a risk profile based on your answers to various investment situations. |
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Have you ever been charged with any breaches? |
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What services do you provide? What are your specialties? |
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Comprehensive Financial Planning and Wealth Management Services. |
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What is your experience? How many clients do you currently manage? |
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What financial institution(s) do you represent? |
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How do you charge for your services? |
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I am a fee based advisor. The fee is based on a combination of a flat fee for the financial analysis and an asset based fee for managing the assets. |
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Do you provide a free initial consultation? |
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Why should I choose you as my financial advisor? |
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I have specialized training in retirement plan savings and distributions. |
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What are your qualifications? |
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Certified Financial Planner and Ed Slott's Elite IRA Advisor Group. |
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What is your approach to 401 K plan rollovers? |
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We utilize our unique and proprietary process to help you meet your retirement income objective. Sometimes this means using a combination of various strategies. |
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How long does the process of rolling over a 401K plan usually take? |
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Generally 30 days or less. |
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What financial institutions do you represent? |
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How many years of experience do you have? |
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What are your fees for this service? |
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I am a fee based advisor. The fee is based on a combination of a flat fee for the financial analysis and an asset based fee for managing the assets. |
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How many 401K rollover clients do you currently manage? |
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Almost all clients are 401k rollover clients. |
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Why should I roll over my 401K plan to your firm? |
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I have specialized training in retirement plan savings and distributions. |
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Do you provide a free initial consultation? |
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