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The internet and technology has forever eliminated the geographical limitations that limited you to working with a retirement planner in your area. Today, we can all work confidently with experts in any field, no matter where they are in the country, including personal finance.

Working with me will be a different experience for the following key reasons:

  • Fiduciary
  • Holistic
  • Unbiased
  • Fee Transparency
  • Clear Decisions
  • Unique tools
  • Comprehensice
  • 5-Star Experience

1.   I ADHERE TO THE HIGHEST LEVEL OF THE FIDUCIARY STANDARD

FIDUCIARY

Investment Advisor Representative

An Investment Adviser Representative is always held to the Fiduciary Standard. I pride myself in always acting in my client's best interest and putting the pursuit of your financial goals at the forefront. I approach every client relationship as an investment Fiduciary - someone who is responsible for managing the assets of another person and stands in a special relationship of trust, confidence, and/or legal responsibility.

The Suitability Standard

  • Often product first approach
  • Only assures a product is merely acceptable
  • Better options for you could exist
  • Is not required to be transparent
  • Is not required to disclose conflicts of interest

The Fiduciary Standard

  • Put the client's best interest first
  • Act with utmost good faith
  • Provide full and fair disclosure of all material facts
  • Not mislead clients
  • Expose all conflicts of interest

2.   I BELIEVE IN A HOLISTIC APPROACH

INCOME

ALLOCATION

Guaranteed income to cover essentials

Diversification in Market

Adjusts for inflation

Diversification in Product

Social Security Max

Balancing Risk vs Safety

Ensures continuity of lifestyle

Managing Volatility

TAXES

LEGACY

Investment Tax Efficiency

Long Term Care Insurance alternatives

RMD Tax Strategy

Estate Maximization Strategies

Tax Free Income

Charitable Gifting

Overall Tax Minimization

Estate Planning

3.   I AM DETERMINED TO BE UNBIASED

Unbiased means that I will give you the pros and cons of each product, tool, or idea - and will use only those that work best for you and your goals.

4.   I AM TOTALLY FEE TRANSPARENT

Common Surface Level Fees & Costs

  • Ongoing management fee... 1% - 2% annually
  • Insurance Rider fees... 0.5% - 1.00% annually

Common Hidden or Undisclosed Fees & Costs

  • Trading fees/costs
  • Fund expense-ratio or fund cost
  • Front-end sales charge
  • Deferred sales charge
  • Purchase fee
  • Redemption fee
  • 12(b)-1 fee
  • Tax costs
  • Alternative Asset custody fee
  • Other custodian fees
  • Insurance commissions

5.   I GUIDE YOU TO CLARITY AND CLEAR DECISIONS

I develop income plans for my clients using a very simple yet highly effective planning model called the ABC Planning Model. To get the full details on how you can begin to create your very own ABC Plan today, register for my 7 day email course here.

6.   I USE INDUSTRY LEADING, INNOVATIVE SOFTWARE AND TOOLS

One of the ways we can help you develop a retirement income plan that allows you to enjoy the quality of life you want to maintain throughout retirement is by using cutting edge technology that identifies your acceptable levels of risk and reward with unparalleled accuracy. Using this tool, we ensure that your portfolio aligns with your investment goals and expectations.

 

I am also one of less than 1000 advisers around the country who use a very unique software that enables my clients to generate up to 40% more annuity income. You can find out more about how I do this by clicking here

7.   I AM COMPREHENSIVE IN MY SERVICES

My comprehensive approach to retirement planning prioritizes the focus on the income you need for you and your spouse through retirement, then on asset based Long Term Care insurance alternatives to help you cover the rapidly rising cost of Long Term Care, and then on maximizing the legacy you leave behind. 

I am able to do this because I am comprehensive; I don't try to use one type of financial vehicle to do this as that is really impossible; nor do I do everything myself. I am both securities and insurance licensed, I work with a team, and have tax experts and estate planning attorneys as strategic partners.

8.   5-STAR EXPERIENCE

  • A Direct Relationship with Me and My Team
  • Quick Response to Your Needs
  • Face-to-Face Meetings (can be virtual for your convenience if you can't make it to my office)
  • Ongoing Guidance and Support
  • Ongoing Account Oversight
  • Professional Money Management by Some of The Best Tactical Money Managers Around
  • Prompt Client Service
  • Frequent Communication
  • Educational Opportunities & Events
  • Easy-to-Understand Approach
  • Utmost Privacy Protection
  • Courtesy, Respect, Kindness
  • Regular Account Reviews