About Seros Financial

Most people only get one shot at retirement. That's why we help you take the guess work out of the process. Seros360? is a seven part mentoring approach to retirement. 1. Goals We build a bridge from your idea of retirement to the real thing. What really matters most to you in retirement and understand the steps needed to reach your goals. 2. Risks Living longer. Rising healthcare costs. Inflation. These are risks everyone faces during retirement. Working together, we can help you identify your risks and plan accordingly. 3. Investments You need an investment strategy that takes into account your retirement goals, how you view risk, and your timeline for retirement. We take a dynamic money management approach in activley monitoring and adjusting your portfolio. 4. Income Income is the engine of your retirement. We help you develop a plan so you take the right amount of income in the most tax efficient way possible. 5. Taxes We help you develop a strategy that balances your tax burden now and throughout retirement. 6. Test Run Why guess about your retirement? Take a Retirement Test Run. This simulated retirement approach lets you actually experience what it will be like to live on the income you'll have during retirement. 7. Retirement With lessons from your Retirement Test Run and adjustments to your plan, you are ready to retire with confidence.

General Information Years of Experience in Financial Services:    27 Gender:    Male CRD#:    2034946 Firm CRD#:    166808 States Licensed in:    AZ,CA,CO,CT,FL,MI,MO,MT,NV,NM,NY,OK,TX,UT,VA,WA Name of Custodial Firm:    Axos Advisor Services Number of Years with Current Firm:    6 Insurance License#:    801440 Name of Broker/Dealer:    United Planners Financial Services States Willing to do Business in:    Chandler,Fountain Hills,Gilbert,Glendale,Higley,Mesa,Paradise Valley,Peoria,Phoenix,Queen Creek,Scottsdale,Tempe,Youngtown

Services Investment Types:    Mutual Funds, Bonds, Stocks, Annuities, Insurance, Exchange Traded Funds (ETFs), Alternative Investments Can meet clients in the following ways:    Email, Phone, Our Office

Qualifications & Memberships Certifications, Accreditations & Designations:    RFC® Securities Licenses:    Series 6, Series 7, Series 22, Series 24, Series 26, Series 63, Series 65, Series 66 Insurance and Annuity Licenses:    Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Disability Financial Organization Memberships:    Financial Planning Association (FPA), National Association of Personal Financial Advisors (NAPFA), Registered Financial Consultant (RFC)

Firm Information Assets Managed by Firm:    $155,000,000 Assets Managed by Advisor:    $50,000,000 Firm's Number of Clients:    450 Firm's Number of Planning Clients:    120 Firm's Number of Managed Clients:    300

Compliance Criminal Disclosures in Last 5 years:    Have a clean record Compliance Disclosures in Last 5 years:    Have a clean record Registered Investment Advisor:    Yes Registered Representative:    Yes Investment Advisor Representative:    Yes Acknowledged fiduciary:    Yes

Compensation and Fees Hourly Rate:    $220.00 Fee % Based on Assets:    1.75% Compensation Methods:    Based on Assets, Hourly, Commissions Minimum Portfolio Size for New Managed Accounts:    $250,000 Minimum Fee Charged for Managed Accounts:    1% Fee Structure:    Fee-Based Minimum Fee Charged for Hourly Planning Accounts:    $125.00

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

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.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

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

Q.	Have you ever been charged with any breaches?

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Q.	Do you have a customer satisfaction or refund policy?
Yes

Q.	How are you compensated? How will I pay for your services?
Annual management fee based on portfolio value.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
No. We need full discretion in order to trade numerous accounts on a global basis.

Q.	How many clients do you currently manage?
130

Q.	Will you be the only person working with me?
Yes

Q.	How much risk should I be willing to take?
That depends on your personal risk tolerance.

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