| Advisor Profile |
|
 |
| Research This Advisor |
|
|
ADV Form II Link:
upon request
|
| Request More Information |
|
|
|
|
|
|
Business Description |
| Even before 2008, pre-retirees were facing a crisis. Americans were simply not saving enough or they had unrealistic expectations about the kind of lifestyle they could sustain. "Retirement" means something different to each of us. How many dollars do you need to take you through the years ahead of you? Most retirees admit to not knowing how to best approach transforming their retirement savings into a steady stream of income. How are investors supposed to manage their portfolios in today's market? Employees who are looking ahead a few years to retirement face an equal challenge in positioning their assets to those who have already entered. Addressing market volatility today, the need for growth for income tomorrow, the impending inflationary pressure requires expertise and insight. Other risks such as longevity, spiraling health care costs and the pending need for long term care requires attention in advance of formally retiring. People need coordinated and realistic answers: not loose internet estimates or chance. One can reduce the risks inherent in making financial decisions through comprehensive financial planning and analysis. Teaming with a specialist in this area can make the process easier. IF YOU ARE SEEKING A FEE-ONLY, INDEPENDENT, NO-PRODUCT PUSHING CFP WHO PROVIDES CLEAN, OBJECTIVE COUNSEL, click the link to my website for more information! Fee-only financial planning services are stand-alone engagements for hourly or flat rate. |
|
| |
|
|
General Information |
|
|
|
|
|
|
| Insurance License#: |
527273
|
|
| Name of Broker/Dealer: |
Resource Horizons Group
|
|
| Name of Custodial Firm: |
National Financial Services, LLC
|
|
|
|
| States Willing to do Business in: |
GA
|
|
| Years of Experience in Financial Services: |
12
|
|
| Number of Years with Current Firm: |
3
|
|
| Work Experience: |
I worked with corporate practice for the first nine years of my professional experience. In my ninth year I was the founder of an independent, private practice named Navigational Wealth Planning, Inc.
|
|
| I work with the following types of clients: |
Businesses, Individual Investors, Non-Profit Organizations
|
|
| |
|
Education |
| Academic Background |
| |
| BBA in Accounting, Masters in Financial Planning |
|
| |
|
Services |
| Investment Types: |
Insurance, Bonds, Stocks, Annuities, Exchange Traded Funds (ETFs), Alternative Investments, Mutual Funds, Socially Responsible Investments (SRI)
|
|
| |
|
Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Certified Financial Planner (CFP®), Certified Fund Specialist (CFS)
|
|
| Securities Licenses: |
Series 7, Series 6, Series 65, Series 63
|
|
| Insurance and Annuity Licenses: |
Variable Life, Long Term Care, Variable Annuity, Disability, Life, Health, Annuity
|
|
| Financial Organization Memberships: |
CFP Board, 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 Managed Clients: |
42
|
|
| Assets Managed by Firm: |
Yes + 3rd Pty
|
|
| Assets Managed by Advisor: |
22 million
|
|
| |
|
Compliance |
| Registered Representative: |
Yes
|
|
| Investment Advisor Representative: |
Yes
|
|
| I am an acknowledged fiduciary: |
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: |
250,000
|
|
| Compensation Methods: |
Hourly, Flat Fee, Based on Assets
|
|
| Additional Details on Charges: |
Flat Fee or hourly fee for Retirement Planning Analysis, Retirement Income Planning, Risk Management, Tax Planning, College Planning, Option Planning, Estate Planning, Investment Planning, Strategic Recommendations & Counsel.
Fee Varies based upon complexity of case.
Individual or Small Business Plans
|
|
| |
|
| |
| |
| Prepared By: |
Catherine Turner, CFP®, ChFC, CFS |
Frequently Asked Questions |
|
| Q. |
Do you have a customer satisfaction or refund policy? |
| |
Yes. My aim is to see that I exceed the client's expectation in what I am being asked to deliver. |
|
| Q. |
What are your qualifications? What is your education background? |
| |
CFP, ChFC, CFS
Bachelor's in Accounting |
|
| Q. |
What is your approach to financial planning? |
| |
100% Objective, Non-biased, Well-thought out, Prudent, Being a good listener |
|
| Q. |
What services do you offer? |
| |
Fee-Only Planning Services: Retirement Planning, Income Planning, Tax Planning, Option Planning, College Planning, Asset Protection, Estate Planning, Risk Management Planning, Survivorship Planning.
|
|
| Q. |
How many clients do you currently manage? |
| |
I have intentionally kept my practice small. I have a committment to providing a high level of quality client service; I will stand by that committment. |
|
| 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? |
| |
It depends on what you are seeking. |
|
| Q. |
Do you offer any guaranteed results? |
|
| Q. |
Have you ever been charged with any breaches? |
|
| Q. |
What services do you provide? What are your specialties? |
| |
Fee-Based Financial Advisory Asset Management |
|
| Q. |
What financial institution(s) do you represent? |
| |
NONE: I am registered with a Broker Dealer who IS NOT affiliated in ANY WAY with any insurance company, investment management firm, mutual fund products or annuity products. |
|
| Q. |
Do you provide a free initial consultation? |
| |
Yes, all interested people have an opportunity to speak with me beforehand |
|
| Q. |
What are your qualifications? |
| |
Beware of financial reps who claim to be a "401(k) rollover specialist". This typically indicates lack of competence, education and ethics. |
|
| Q. |
What is your approach to 401 K plan rollovers? |
| |
Not pushing product sales |
|
|
|
