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| Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. |
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About Maureen F. O'Brien, LLC |
Our firm is a client-focused full service investment and financial consulting firm. We have put together a team of very experienced, well-educated and highly trained LPL financial advisors and staff. Our goal is to provide our clients with effective, unbiased advice based on a thorough knowledge of our client's needs, goals, and tolerance for risk.
We have been serving clients for over twenty five years. They come from diverse backgrounds and include individuals, families, businesses, non-profits and trusts. Our clients have widely diverse needs and goals, hopes and dreams. What they have in common is concern for their financial future and an appreciation of the benefits of working with financial professionals.
Although we are a small firm, we are able to offer a full range of financial services for both individuals and businesses through our relationship with LPL Financial, the largest independent broker/dealer in the country*. LPL Financial provides us with deep administrative support, extensive research capabilities, and multiple investment opportunities for our clients. LPL Financial has no proprietary products, which enables our advisors to maintain our independence in making recommendations to our clients based first and foremost on their needs.
*As reported by Financial Planning magazine, June 1996-2015, based on total revenue. |
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General Information |
| Years of Experience in Financial Services: |
25+
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| Work Experience: |
Over twenty five years working with both individuals and businesses providing financial guidance, implementing financial plans, answering questions, etc.
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| States Licensed in: |
AL, CA, DC, DE, FL, GA, MA, MD, MS, NC, NE, NJ, NV, NY, OH, PA, TN, TX, VA
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| Name of Custodial Firm: |
LPL Financial
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| Number of Years with Current Firm: |
25
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| Insurance License#: |
805193
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| Work with the following types of clients: |
Businesses, Individual Investors, Non-Profit Organizations
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| Name of Broker/Dealer: |
LPL Financial
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| States Willing to do Business in: |
Alexandria,Arlington,Broad Run,Burke,Centreville,Chantilly,Clifton,Dumfries,Fairfax,Fairfax Station,Falls Church,Gainesville,Great Falls,Haymarket,Herndon,Leesburg,Lorton,Mc Lean,Middleburg,Oakton,Occoquan,Potomac,Reston,Springfield,Vienna
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| Advisory Services Provided: |
Tax Advice and Services, Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Money Management, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Estate Planning & Trusts, Financial Advice & Consulting, Insurance Planning, Annuities
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Services |
| Investment Types: |
Mutual Funds, Bonds, Stocks, Annuities, Insurance, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI)
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| Can meet clients in the following ways: |
Your Office, Phone, Our Office
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Juris Doctor
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| Securities Licenses: |
Series 6, Series 7, Series 24, Series 63, Series 65, securities registrations held with LPL Financial
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| Insurance and Annuity Licenses: |
Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Accident, Disability
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| Non-Financial Organization Memberships: |
Central Fairfax Chamber of Commerce,
Women Impacting Public Policy,
Women's Bar Association of the District of Columbia
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Firm Information |
| Firm's Number of Clients: |
Over 100
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Compliance |
| Criminal Disclosures in Last 5 years: |
Have a clean record
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| Compliance Disclosures in Last 5 years: |
Have a clean record
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| Registered Representative: |
Yes
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| Investment Advisor Representative: |
Yes
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Compensation and Fees |
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| Fee % Based on Assets: |
0.75-2.5
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| Compensation Methods: |
Based on Assets, Hourly, Flat Fee, Commissions
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| Minimum Portfolio Size for New Managed Accounts: |
$250,000
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| Minimum Fee Charged for Managed Accounts: |
$5000
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| Minimum Fee Charged for Hourly Planning Accounts: |
$2500
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Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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Yes, for our fee-based financial planning accounts. If a client is not satisfied with her/his written financial plan, they are not obligated to accept or pay for it. |
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| Q. |
What are your qualifications? What is your education background? |
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Learn who my client is, get as much detailed information as possible, design a customized strategy that meets the client's assets, needs, time frame and risk tolerance. |
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| Q. |
How are you compensated? How will I pay for your services? |
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I personally manage over 100 accounts and supervise the management of over 500 accounts. |
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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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I will be your primary contact, but there is substantial backup available in my absence. There are five advisors in my branch office with different areas of expertise, and my assistant will handle any service requests. |
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| Q. |
How many clients do you currently manage? |
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I offer both fee-based and commission-based accounts. These are discussed in detail at our first meeting. The client determines which fee structure best suits their needs. Some fees are deducted from clients' accounts; others are paid by the client directly to my broker/dealer, by check. |
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Will you be the only person working with me? |
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If that is the client's preference, then yes, of course. Some clients want me to make most or all of the investment decisions within the parameters we agree on; others want to be consulted in advance and give their consent to each recommendation. |
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Do you offer any guaranteed results? |
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No. Guarantees are prohibited. |
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| Q. |
How much risk should I be willing to take? |
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That is a very personal decision which I assist clients in reaching. Factors to take into account are age, wealth, health, financial needs, dependents, living expenses, disposable income, etc. |
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Have you ever been charged with any breaches? |
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What is your approach to financial planning? |
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By an hourly fee, a percentage of assets under management, or by commission, depending on the needs of the client and the type of account(s) the client decides on. |
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| Q. |
What services do you offer? |
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I have an excellent education, extensive experience, and I take a serious interest in my clients' financial needs. I work very hard to design and implement the financial strategies that are most likely to help the client achieve their realistic financial goals. |
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Why should I choose you as my financial advisor? |
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I have a college degree, a masters degree and a law degree. The knowledge of law is particularly helpful in the financial advisory field. I have over twenty years of experience helping clients with their financial needs. |
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How do you charge for your services? |
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Written financial plans, asset management, investment advice, insurance planning and products, retirement income planning, general financial consulting. Retirement plans for small to mid-size businesses. |
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What services do you provide? What are your specialties? |
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I provide general financial services including written financial plans, investment advice, fee-based asset management accounts, insurance, college, estate tax planning, general financial consulting |
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What is your experience? How many clients do you currently manage? |
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I manage about 100 clients and oversee the management by other advisors in my office of about 500 client accounts. |
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What financial institution(s) do you represent? |
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My firm does not represent any financial institutions. Our clients have our first loyalty. We have business relationships with hundreds of financial firms offering mutual funds, insurance, annuities, etc. We have the ability to find the financial products that meet the financial needs of the individual client. |
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What are your management fees? |
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Fees range from 0.25%-1%, depending on the amount of assets in the plan, the number of employees, and the services requested. Fees are reviewed with the client periodically. |
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What kind of plans do you specialize in? |
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All qualified retirement plans |
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Do you have a minimum requirement for number of employees or total investment value? |
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No. We will discuss the business owner's needs and goals and help the owner decide what plan will best meet immediate needs. |
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What type of plans do you offer? |
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401(k); 403(b); SIMPLE; SEP; IRA; ROTH; Single K; Non-Qualified deferred compensation; Profit Sharing; Defined Benefit |
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Do you offer any additional services? |
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Yes, we offer employee education events and assistance and plan benchmarking. |
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