About My Practice:
From 1966 to 1986, I served as an officer in the US Army. In 1986, I retired from military service and began a financial services career. I entered the financial services profession as a stockbroker with a focus on financial planning. In 1991, I became a Certified Financial Planner (CFP). In 1992, I transitioned from stockbroker to an independent financial services adviser. My personal goals have been best satisfied by offering an independent advisory service with a fiduciary relationship to clients. An important and gratifying responsibility is to provide appropriate long-term investment and retirement counseling to my clients. I am fully licensed in securities and life/health insurance and have lectured extensively through educational seminars on investments and retirement planning. I am an active member of the Financial Planning Association and the FINRA's Board of Arbitrators.
Offering Financial Advice Since:
1986
Areas of Specialty:
- Comprehensive Financial Planning
- Education Planning
- Estate Planning
- Charitable Gifting
- Insurance (Life and Long-term care)
- Mutual Fund Investing
- Retirement Planning
- Securities
Licenses, Certifications and Affiliations
Securities Licenses: Registered in California & Nevada | FINRA Series 7, Registered Representative |
Insurance Licenses: Registered in California | Life insurance |
Other Licenses, Certifications, and Designations: | CERTIFIED FINANCIAL PLANNER™ certificant - 1991 |
Broker-Dealer Affiliation: | Foothill Securities, Inc. |
Investment Adviser Registration: | I am or my firm is registered with the SEC as an investment adviser. |
Education
Degree: | Bachelor's |
Area of Study: | Business Administration |
University: | Univ. of Massachusetts |
Yr. Rcvd: | 1966 |
Degree: | Master's |
Area of Study: | Business |
University: | Sul Ross State University |
Yr. Rcvd: | 1974 |
Compensation for Services:
Client related fees:
Fee for financial plans or financial planning advice - $125 per hour
Fee based on percentage of assets managed:
percentage ranges: 0.30% to 1.00%
Client related commissions:
Commissions and/or loads for investment products purchased are subject to 'break points' or reduced commissions. Commissions generally range from 2.5% to 5.75%.
Compensation Standards:
My clients' interests come first. I will recommend products based on what is in their best interest. All fees or commissions are disclosed to the client prior to the purchase of any investment product.
When appropriate, I refer my clients to other related professionals. I do not receive referral fees from these professionals.
When requested, I will work with clients on a fee-only basis.
My firm does not, nor does any affiliate or member of my firm, act as a general partner, participate in, or receive compensation as a general partner from, the investments that I recommend.
Code of Ethics and Professional Responsibility
Principle 1- Integrity
Integrity demands honesty and candor which must not be subordinated to personal gain and advantage. Certificants are placed in positions of trust by clients, and the ultimate source of that trust is the certificant's personal integrity. Allowance can be made for innocent error and legitimate differences of opinion, but integrity cannot co-exist with deceit or subordination of one's principles.
Principle 2- Objectivity
Objectivity requires intellectual honest and impartiality. Regardless of the particular service rendered or the capacity in which a certificant functions, certificants should protect the integrity of their work, maintain objectivity and avoid subordination of their judgment.
Principle 3- Competence
Competence means attaining and maintaining an adequate level of knowledge and skill, and application of that knowledge and skill in providing services to clients. Competence also includes the wisdom to recognize the limitations of that knowledge and when consultation with other professionals is appropriate or referral to other professionals necessary. Certificants make a continuing commitment to learning and professional improvement.
Principle 4- Fairness
Fairness requires impartiality, intellectual honesty and disclosure of material conflicts of interest. It involves a subordination of one's own feelings, prejudices and desires so as to achieve a proper balance of conflicting interests. Fairness is treating others in the same fashion that you would want to be treated.
Principle 5- Confidentiality
Confidentiality means ensuring that information is accessible only to those authorized to have access. A relationship of trust and confidence with the client can only be built upon the understanding that the client's information will remain confidential.
Principle 6- Professionalism
Professionalism requires behaving with dignity and courtesy to clients, fellow professionals, and others in business-related activities. Certificants cooperate with fellow certificants to enhance and maintain the profession's public image and improve the quality of services.
Principle 7- Diligence
Diligence is the provision of services in a reasonably prompt and thorough manner, including the proper planning for, and supervision of, the rendering of professional services.
Miscellaneous
To maintain my licenses and/or designation, I am required to earn 60 continuing education credits every 2 years
I will provide prospective clients with references.
I will provide a free initial consultation to prospective clients so that we may determine if their needs and my practice are well-matched.
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