Business Description
We are an organization of dedicated professionals with one mission: To bring confidence and reassurance to our clients as we help them develop, manage and protect their life's objectives through unbiased cross-disciplinary advice, thorough and careful implementation; and uncompromising, high quality personal service. This builds trustworthy relationships while developing our clients and friends into confident financial stewards who know their life's work has been protected and their objectives have been skillfully planned for.
General Information Gender:    Male CRD#:    4326760 Firm CRD#:    3978 Name of Broker/Dealer:    Lincoln Financial Advisors Corp. States Licensed in:    CO, FL, NY, TX, VA States Willing to do Business in:    All Years of Experience in Financial Services:    9 Number of Years with Current Firm:    4 Work Experience:    Fidelity Investments, Jackson National, WM Financial Services. I work with the following types of clients:    Non-Profit Organizations, Individual Investors, Investment Clubs, Businesses Foreign Languages Serviced:    French
Education Academic Background   BS, Finance - University of Colorado Masters In Business Administration - Southern Methodist University
Services Investment Types:    Mutual Funds, Bonds, Stocks, Annuities, Exchange Traded Funds (ETFs), Mortgages & Real Estate, Alternative Investments, Commodities, Insurance, Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Chartered Life Underwriter (CLU®), Masters in Business Administration (MBA) Securities Licenses:    Series 7, Series 66 Insurance and Annuity Licenses:    Health, Annuity, Disability, Variable Life, Long Term Care, Life, Variable Annuity Financial Organization Memberships:    Financial Planning Association (FPA), Paladin Registry
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:    60 Firm's Number of Planning Clients:    30 Firm's Number of Managed Clients:    50 Assets Managed by Firm:    75000000 Advisor's Number of Clients:    60 Advisor's Number of Managed Clients:    30 Advisor's Number of Planning Clients:    50 Assets Managed by Advisor:    75000000
Compliance 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-based financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $250,000 Compensation Methods:    Based on Assets, Flat Fee Fee % Based on Assets:    1% Max. Additional Details on Charges:    1. For a comprehensive financial plan we charge a flat up front fee that is completely based on the complexity of the situation. 2. We get paid a fee or commission for any products a client chooses to implement. Minimum Fee Charged for Managed Accounts:    .5%
Prepared By:	Luke LeMener, CFP®, CLU, MBA

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.	What services do you offer?

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.	Do you offer any guaranteed results?

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

Q.	Have you ever been charged with any breaches?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

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Q.	Do you have a customer satisfaction or refund policy?
Yes. If you are not completely satisfied with your plan we will refund your planning fee.

Q.	What are your qualifications? What is your education background?
I have been in the industry for almost 10 years. I received my Masters in Business Administration from Southern Methodist University, studying Finance, Accounting and Portfolio Management. I also hold my CERTIFIED FINANCIAL PLANNER™ certification and Chartered Life UnderwriterTM designation. I am a Level III candidate for the prestigious Chartered Financial Analyst designation.

Q.	What is your approach to financial planning?
We take our clients through a proven process. Spending a lot of time with them upfront to understand your fears, goals, desires and family makeup. We then construct a comprehensive plan and mutually evaluate alternatives. Once the plan is finalized we move to implementation, representing you in the market you need. (e.g. attorney, CPA, investment product, etc...)

Q.	What services do you offer?
Investment management, Estate Plan Design, Asset Protection Services, Financial Independence Planning, Business Benefit & Succession Planning, Education Planning, Survivor Income Planning.

Q.	How many clients do you currently manage?
Around 40.

Q.	Will you be the only person working with me?
While I have a team supporting, it is likely you never sit down with anybody else but myself.

Q.	How are you compensated? How will I pay for your services?
For financial planning we charge a flat fee for the plan. For investments we charge an ongoing assets under management fee.

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

Q.	Do you offer any guaranteed results?
No.

Q.	How much risk should I be willing to take?
First you have to discern between your ability to take risk and your desire to take risk. Once you know the answer to both of the questions, then we can start narrowing down how much risk should be in your plan.

Q.	Have you ever been charged with any breaches?
No.

Q.	What services do you provide? What are your specialties?
Investment management, Estate Plan Design, Asset Protection Services, Financial Independence Planning, Business Benefit & Succession Planning, Education Planning, Survivor Income Planning.

Q.	What is your experience? How many clients do you currently manage?
I have almost 10 years of experience. KPLL manages about 70 clients.

Q.	What financial institution(s) do you represent?
Too many to list.

Q.	How do you charge for your services?
A flat fee for a comprehensive plan.

Q.	Do you provide a free initial consultation?
Yes.

Q.	Why should I choose you as my financial advisor?
We are independent, educated and fee-based. We have an extremely robust team of professionals to provide intellectual capital and tackle even the most difficult problems.