About Novem Group

At Novem Group, we work with individuals and businesses as they seek to make sound financial decisions. Our coordinated approach to holistic financial planning is unique for each individual client. Identifying your life goals can help you make the financial decisions that will allow you to realize your dreams - for tomorrow, and well into the future. At Novem Group, our initial meeting begins with a discussion about you and your unique situation as we explore your goals & values. After clarifying your priorities, we create a customized, detailed strategy to help you be more confident about your financial future. A comprehensive financial plan will clearly show how your goals are interrelated, and serves as a framework for organizing the pieces of your overall financial picture. Integrating your coordinated financial plan with individually tailored strategies will help guide you on your path towards financial independence. Most importantly, you'll have the peace of mind that comes from knowing that you are on track towards achieving your financial goals.

General Information Years of Experience in Financial Services:    38 Gender:    Male CRD#:    1199626 Number of Years with Current Firm:    2 Work with the following types of clients:    Businesses, Individual Investors, Physicians (Endorsed by the American Medical Association) and Couples going thru the divorce process Name of Broker/Dealer:    American Portfolios States Willing to do Business in:    Hobe Sound,Jensen Beach,Jupiter,Lake Worth,Loxahatchee,North Palm Beach,Palm Beach,Palm Beach Gardens,Palm City,Port Saint Lucie,Stuart,West Palm Beach, Palm Beach County and Martin County. Advisory Services Provided:    Tax Advice and Services, Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Risk Management, Money Management, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Insurance Products & Annuities, Estate Planning & Trusts, Investment Advice & Management, Financial Advice & Consulting

Services Investment Types:    Mutual Funds, Options & Futures, Bonds, Stocks, Annuities, Insurance, Commodities, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI) Can meet clients in the following ways:    Your Office, Email, Phone, Our Office, Your Home, Video Conference

Qualifications & Memberships Certifications, Accreditations & Designations:    CLU®, CLTC®, AIF®, ChFC®, CFP®, CDFA®, Chartered Leadership Fellow (CLF) Securities Licenses:    Series 7, Series 24, Series 53, Series 63, Series 65 Insurance and Annuity Licenses:    Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Accident, Disability Financial Organization Memberships:    Million Dollar Roundtable, Financial Planning Association (FPA), Society of Financial Services Professionals, National Association of Personal Financial Advisors (NAPFA), National Association of Insurance and Financial Advisors (NAIFA)

Compliance Registered Investment Advisor:    Yes Registered Representative:    Yes Investment Advisor Representative:    Yes Acknowledged fiduciary:    Yes

Compensation and Fees Additional Details on Charges:    We offer a complimentary initial consultation and will determine our fee at the conclusion of the initial meeting based on the complexity of your situation. Compensation Methods:    Based on Assets, Hourly, Flat Fee Fee Structure:    Fee-Based

Frequently Asked Questions

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

Q.	What are your qualifications? What is your education background?

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

Q.	Have you ever been charged with any breaches?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	Why should I choose you as my financial advisor?

Q.	How do you charge for your services?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

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Q.	Do you have a customer satisfaction or refund policy?
Yes. If you are dissatisfied with the focus or specialty of your plan, we will make the appropriate changes to your plan, or refund part or all of the fees which have been paid.

Q.	What are your qualifications? What is your education background?
I earned a BA in Economics from Fordham University in New York, NY. I also hold the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation from the College of Financial Planning; the Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), and Chartered Leadership Fellow (CLF) from the American College along with the Certified Long-Term Care (CLTC) designation.

Q.	How much risk should I be willing to take?
This question cannot be answered without first getting to know and understand you and your current financial position, as well as the goals you have set for you and your family. Risk tolerance is different for each person, and we would assess what you are comfortable with before making any recommendations.

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

Q.	What is your approach to financial planning?
Novem Group can be there to help you seek balance among the many competing demands for your income through a thorough understanding of where your money goes and where it should go. Coordinating your goals with individually tailored strategies will help guide you on the path towards financial independence. Choose us because we are here to help you succeed.

Q.	What services do you offer?
Comprehensive financial planning consists of analyzing & coordinating six areas: outlining your current situation, retirement planning, investment management, insurance & risk assessment, income tax planning, and estate creation, preservation & transfer.

Q.	Why should I choose you as my financial advisor?
Our trademarked process, The Financial Independence Maximizer, identifies our clients' financial priorities, clarifies their unique goals, and integrates coordinated strategies that will allow them to achieve wealth creation and preservation.

Q.	How do you charge for your services?
Novem Group is a fee based financial planning firm. We offer a complimentary initial consultation. At the conclusion of the initial meeting, we will be able to discuss the fees for our services based on the complexity of your situation.

Q.	What services do you provide? What are your specialties?
Comprehensive financial planning consists of looking at six areas after outlining your current situation: retirement planning, investment management, education funding strategies, insurance & risk assessment, estate creation, preservation & transfer, and income tax planning.

Q.	What is your experience? How many clients do you currently manage?
I have been in the financial services industry since 1983. While the financial services industry has changed dramatically during my 36 year career, the demand of clients has essentially remained the same: to have a long-term relationship with a trusted and knowledgeable advisor who will provide them with objective advice.

Q.	What financial institution(s) do you represent?
Novem Group is an independent firm which allows us to seek out the best possible solutions available in the marketplace for each client's individual situation. Whether it is investments or insurance, we have complete open architecture to build a solution that best fits the needs of our clients.