As a CERTIFIED FINANCIAL PLANNER™ professional I help people manage their finances with confidence, control, and predictability. Through my affiliation with Commonwealth Financial Network®, I do this by developing comprehensive and customized financial plans and investment strategies. I deal in all areas of financial planning and provide turnkey solutions to help people in each unique situation I encounter.
I advise people in key financial planning areas like developing a recession-proof balance sheet and show people how to help protect their assets, potentially reduce taxes, plan for retirement, preserve their estate, grow their savings, and much more. I am a tested financial advisor. This puts me in a position to help people in all stages of the financial planning process. I own my financial practice, and that allows me to represent clients and put their interest first. I specialize in the financial markets and have a deep understanding of developing, implementing, and managing investment strategies for growth, income, preservation of capital, or a customized approach to fit your values and needs.
I understand that financial planning and investing is about trust, and I work hard to earn trust. I do this in a number of ways. I start by putting my clients' interests first. I put my reputation on the line every day, and I do not hide behind a big financial corporation. I represent clients, not Wall Street banks. This is the fundamental reason I am an independent CERTIFIED FINANCIAL PLANNER™ practitioner and own my business.
I take time to listen, learn, and understand each client's needs and concerns. The result is a customized financial plan and investment strategy to help meet your specific objectives and values. The world of finance and financial products is extremely complex, and people want explanations they can understand. I take the time to do that for everyone. I work with many types of people at different stages of the financial planning process.
Experience and Knowledge
If you are working with me, you are working with someone with a great deal of experience. I have been in the financial industry for 20 years. I have worked on Wall Street and for major brokerage firms. I have successfully guided many clients through the biggest drops in the equity markets and the deepest recession since the Great Depression. As a CFP® professional, I am qualified to guide you in many areas of financial planning. I have the appropriate securities registrations (through Commonwealth Financial Network) and insurance licenses to implement financial planning and investment solutions. I have a strong interest and understanding of the financial markets and can show you how to benefit greatly from my skills.
As you know, I own my financial practice, but I am backed by a team of professionals, and they are among the best in the business. I work with Commonwealth Financial Network®, the largest and among the best known independent broker/dealers in the country. Commonwealth provides all of my back-office support. They do everything from establishing accounts to supervising advisors. Commonwealth provides me with access to trading and custodial services through National Financial Services, LLC, (NFS) Member NYSE/SIPC, a Fidelity Investments company. This relationship gives me access to major financial markets for trading and investment. Securities in accounts carried by National Financial Services, LLC, are protected in accordance with the Securities Investor Protection Corporation (SIPC) up to $500,000 (including cash claims limited to $250,000). For details, please see www.sipc.org. NFS has arranged for additional protection for cash and covered securities to supplement its SIPC coverage. This additional protection covers total account net equity more than the $500,000/$100,000 coverage provided by SIPC. Neither coverage protects against a decline in the market value of securities.
Armed with this powerful combination, I then use independent third-party research to analyze investments and investment products. I offer fee-based or commission-based solutions as an Investment Adviser Representative of Commonwealth Financial Network, a Registered Investment Adviser.
Early in my career, I was skeptical of the "Wall Street approach" in working with the public. It seemed to me that these firms were more concerned with commissions, bonuses, and stock prices than with their clients. So in 1995, I decided that my objective and approach was to help clients, not Wall Street banks, and that was the beginning of my financial planning firm. A few years later, Wall Street firms were touting Internet and technology stocks and selling them to the public with seemingly little regard for the risk or the outcome. A couple of years later, the same firms were involved in accounting scandals that brought down Enron and WorldCom. Most recently, the same firms were instrumental in the collapse of the banking system. I have a difficult time comprehending why and how people continue to trust these companies.
Despite the difficult economic environment, I am disciplined and remain committed to helping people develop a rock-solid financial plan and investment strategy. I believe that the global economies will grow and, as a result, asset prices will rise. I show people how to take advantage of that potential growth. I focus on value and have learned from the great investment managers whose styles I implement in many cases. I focus on value investments and make investments that can provide growth, income, and protection of principal.
I think that you will find my approach different from that of the typical advisor. I care about the people I work with, and I am focused on helping them have a high degree of confidence, control, and predictability over their financial future. I provide complimentary consultations to motivated prospects. I look forward to hearing from you.