| Advisor Profile |
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| Name: |
Tom Till |
| Phone Number: |
(281) 549-2050 |
| Website: |
Visit Website
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| Disclaimer |
| Advisory Services offered through investment Advisors, a division of ProEquities, Inc.
A Registered Broker-Dealer, Member, FINRA & SIPC APPS Financial Group, Inc. is independent of ProEquities, Inc. |
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Business Description |
| We specialize in financial planning and income planning for retirees and those about to retire. We believe in education as the foundation which allows proper decisions during an ever changing financial world. One of the many things that have allowed our clients to be successful over the years is our team approach in working with CPA's and Attorneys to establish not only a solid financial plan, but a sound legal and tax plan as well. |
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General Information |
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| Insurance License#: |
1212844, 1389483
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| Name of Broker/Dealer: |
ProEquities, Inc.
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| Name of Custodial Firm: |
Pershing, LLC
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| Years of Experience in Financial Services: |
16
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| Number of Years with Current Firm: |
9
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| I work with the following types of clients: |
Non-Profit Organizations, Individual Investors, Businesses
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| Foreign Languages Serviced: |
Spanish
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Services |
| Investment Types: |
Alternative Investments, Mutual Funds, Insurance, Exchange Traded Funds (ETFs), Annuities, Bonds, Stocks
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Master Elite IRA Advisor, Registered Financial Consultant (RFC)
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| Securities Licenses: |
Series 66, Series 7
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| Insurance and Annuity Licenses: |
Disability, Variable Life, Long Term Care, Variable Annuity, Health, Life, Annuity
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| Financial Organization Memberships: |
IARFC
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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| I work with clients as part of a team: |
Yes
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| Firm's Number of Clients: |
167
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| Firm's Number of Planning Clients: |
167
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| Firm's Number of Managed Clients: |
167
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| Assets Managed by Firm: |
$40,000,000 +
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| Advisor's Number of Clients: |
167
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| Advisor's Number of Managed Clients: |
167
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| Advisor's Number of Planning Clients: |
167
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| Assets Managed by Advisor: |
$40,000,000 +
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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: |
$100,000
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| Compensation Methods: |
Hourly, Commissions, Based on Assets
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| Additional Details on Charges: |
We understand that not every one is identical so we keep an open mind and address the specific compensation plan we would recommend after our first consultation.
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| Prepared By: |
Tom Till |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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Yes we will always do what ever we can to assure our clients are satisfied with the services we provided. |
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What are your qualifications? What is your education background? |
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I currently hold a Series 7, 66 securities license as well as a general lines insurance license for the state of Texas. I have also spent a great deal of time becoming a Master Elite IRA adviser and Certified Estate Planner. |
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What is your approach to financial planning? |
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I believe in using a cash reserve methodology which helps my clients to keep from liquidating assets that may be experiencing volatility in the markets. |
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What services do you offer? |
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APPS Financial Group, Inc. is a full service advisory firm and can assist our clients with all aspects of their planning needs. |
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How many clients do you currently manage? |
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The firm currently has 167 house hold accounts. |
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Will you be the only person working with me? |
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On the design and implementation of a plan I will be the one working closely with our clients. My assistant handles the service and client communications for our office. I also have an office manager who can fill in when my assistant may be busy or out of the office. |
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How are you compensated? How will I pay for your services? |
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I don't believe in one shoe fits all so I can be compensated either by fee, commision or hourly which ever is the best for our clients situation. |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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Since I use several different types of managed accounts some will require client approval and some do not. So that is why I spend the time upfront with a client to make sure we are in the right program for their specific needs. |
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Do you offer any guaranteed results? |
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Some insurance issued products offer guarantee's with them, however they vary from product to product and not all will be suitable for every investor. |
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How much risk should I be willing to take? |
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We are a very conservative firm and do not believe in taking a lot of risk and would not take on a client who is seeking agressive trading or other strategies that I feel would be outside of my companies comfort level. |
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Have you ever been charged with any breaches? |
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I have a clean record which can be verified at www.finra.org |
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What carrier(s) do you represent? |
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I an independant advisor and can represent any carrier licensed to do business in the state of Texas. |
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How long does it take to complete the application and approval process? |
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Depends on the product and amount of insurance being applied for. |
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Is there a maximum age that you can insure? |
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Age 90 in most cases is the maximum issue age. |
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What services do you provide? What are your specialties? |
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We are a full service advisory firm specializing in a conservative cash reserve methodology approach to investing. I have specialized training in the area of IRA's and retirement plan distributions. |
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What is your experience? How many clients do you currently manage? |
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I have over 16 years of experience in the Financial and Insurance services industry. The firm currently has 167 house hold clients. |
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What financial institution(s) do you represent? |
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I am independant so we can represent pretty much any licensed investment or insurance firm in the state of Texas, however over the past 16 years I have really narrowed that down to about 10 - 11 firms that we work with on a regular basis. |
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How do you charge for your services? |
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Since ever one is different so are our compensation options. We can be compensated either by Fee, Commision or Hourly depending on the client. |
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Do you provide a free initial consultation? |
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We do provide a free initial consultation and after that both parties can determine next course of action. |
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Why should I choose you as my financial advisor? |
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If you are seeking a conservative approach to investing and someone who will spend the time to educate you along the way then APPS would be a great choice, but do to our conservative approach I realize we are not the right firm for everyone. |
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