| Advisor Profile |
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Business Description |
| Independent Fee-Only Registered Investment Advisor, serving El Paso, TX, Las Cruces NM, Albuquerque, NM, Austin and San Antonio, TX areas. We specialize in full-service financial planning, investment management,401k rollover and allocation services, and wealth services. |
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General Information |
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| Insurance License#: |
968134
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| Name of Custodial Firm: |
Sterne, Agee, and Leach, Inc.
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| States Licensed in: |
TX, NM, AZ
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| States Willing to do Business in: |
WI, OH, PA, NY, NH, MA, CA, NV
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| Years of Experience in Financial Services: |
11
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| Number of Years with Current Firm: |
5
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| Work Experience: |
Former General Agent with John Hancock Financial Services. District Manager for General Electric Capital. Founder and Managing Partner Retirement Resources Wealth Mgmt., LP
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| I work with the following types of clients: |
Non-Profit Organizations, Businesses, Individual Investors
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| Foreign Languages Serviced: |
Spanish, Korean
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Education |
| Academic Background |
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Bachelor of Science degree - New Mexico State University
MBA studies - New Mexico State University (2001-2003) |
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Services |
| Investment Types: |
Mutual Funds, Bonds, Stocks, Annuities, Exchange Traded Funds (ETFs), Mortgages & Real Estate, Alternative Investments, Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Chartered Estate Planning Practitioner (CEPP), Certified in Long-Term Care (CLTC)
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| Securities Licenses: |
Series 65
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| Insurance and Annuity Licenses: |
Long Term Care, Life, Health
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| Financial Organization Memberships: |
National Association of Personal Financial Advisors (NAPFA)
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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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| Advisor's Number of Clients: |
380
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| Advisor's Number of Managed Clients: |
28
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| Advisor's Number of Planning Clients: |
85
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| Assets Managed by Advisor: |
$42,000,000
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Compliance |
| Registered Investment Advisor: |
Yes
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| Investment Advisor Representative: |
Yes
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| I am an acknowledged fiduciary: |
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-only financial professional: |
Yes
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| Compensation Methods: |
Based on Assets, Hourly, Flat Fee
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| Flat Fee Rate: |
$250-$3000
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| Additional Details on Charges: |
Potential clients are provided with Part II form ADV outlining all charges and advisor education, etc... Also provided is sample investment advisory contract for review. All charges disclosed and discussed prior to beginning work. Fees billed in arrears.
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| Prepared By: |
Thomas Herbert |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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We guarantee customer satisfaction and do not bill until after work is complete and accepted |
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| Q. |
What are your qualifications? What is your education background? |
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1991 BS NMSU, 2003 MBA studies NMSU, 2005 Financial Planning Boston University. Ten years experience in the industry...no complaint history. |
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| Q. |
What is your approach to financial planning? |
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Comprehensive "goals-based" planning with regular reviews |
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| Q. |
What services do you offer? |
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Fee-only investment management, 401(k) allocation and re-balancing assistance, financial planning, 401(k) rollovers, Roth IRA's, 529 college planning |
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| Q. |
How many clients do you currently manage? |
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Will you be the only person working with me? |
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How are you compensated? How will I pay for your services? |
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fee-only compensation. Flat rate negotiated in advance, a percentage of assets under management, or hourly. |
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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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Client has control over how much discretion to give advisor as per investment advisory contract |
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| Q. |
Do you offer any guaranteed results? |
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On investments, no...No advisor can honestly guarantee results. However, we will only invest clients assets according to their risk tolerance and will get the best returns, lowest cost investments within those risk parameters |
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| Q. |
How much risk should I be willing to take? |
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That would depend on your age, time horizon, and other factors we would visit about before investment decisions are made |
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| Q. |
Have you ever been charged with any breaches? |
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| Q. |
What services do you provide? What are your specialties? |
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Fee-only investment management, 401(k) allocation and re-balancing assistance, financial planning, 401(k) rollovers, Roth IRA's, 529 college planning |
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| Q. |
What is your experience? How many clients do you currently manage? |
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1991 BS NMSU, 2003 MBA studies NMSU, 2005 Financial Planning Boston University. Ten years experience in the industry...no complaint history. |
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| Q. |
What financial institution(s) do you represent? |
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We do not represent any financial institutions. We are fully independent, thus eliminating any conflicts of interest. We work solely for our clients. |
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| Q. |
How do you charge for your services? |
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fee-only compensation. Flat rate negotiated in advance, a percentage of assets under management, or hourly. |
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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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You should choose us if you want exceptional customer service, a firm that will always deal honestly and not promise something we cannot deliver. We will strive to get the best returns at the lowest risk and cost possible. |
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What are your qualifications? |
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1991 BS NMSU, 2003 MBA studies NMSU, 2005 Financial Planning Boston University. Ten years experience in the industry...no complaint history. |
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| Q. |
What is your approach to Education Planning? |
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Comprehensive in that we consider age of student, income of parents, type of plan that best fits ie. 529, Coverdell, UGMA, etc... |
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How long does the process of setting up an Education Plan usually take? |
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What financial institutions do you represent? |
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We do not represent any financial institutions. We are fully independent, thus eliminating any conflicts of interest. We work solely for our clients. |
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| Q. |
How many years of experience do you have? |
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What are your fees for this service? |
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Flat rate negotiated in advance |
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How many Education Planning clients do you currently manage? |
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Why should I work with you on setting up an Education Plan? |
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We can look throughout the US to find the best deals. We do not take a cut or percentage of education plans thus all client money is put to work for the students. |
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| Q. |
Do you provide a free initial consultation? |
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| Q. |
What are your qualifications? |
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1991 BS NMSU, 2003 MBA studies NMSU, 2005 Financial Planning Boston University. Ten years experience in the industry...no complaint history. |
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| Q. |
What is your approach to 401 K plan rollovers? |
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Age of client, income needs analysis, will client continue working, is social security available, retiring or just changing jobs...we look into all these things before considering the rollover itself |
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| Q. |
How long does the process of rolling over a 401K plan usually take? |
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| Q. |
What financial institutions do you represent? |
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We do not represent any financial institutions. We are fully independent, thus eliminating any conflicts of interest. We work solely for our clients. |
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| Q. |
How many years of experience do you have? |
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| Q. |
What are your fees for this service? |
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fee-only compensation. Flat rate negotiated in advance, a percentage of assets under management, or hourly. |
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| Q. |
How many 401K rollover clients do you currently manage? |
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We manage about 97 rollover clients |
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| Q. |
Why should I roll over my 401K plan to your firm? |
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We are thorough in our approach and to date have never had an IRS tax issue with our rollovers. |
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| Q. |
Do you provide a free initial consultation? |
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