Out of college, I started in financial services with a small company (United Resources) that specialized in 403(b) plans. They were quickly bought out by MetLife. I worked at MetLife Resources, a division of MetLife specializing in retirement plans and managing client portfolios, for 20 years.

Ten years ago, I decided I wanted to go independent. Since then, I have been affiliated with Cambridge Investment Research Advisors, Inc., a $44B RIA based in Fairfield, IA. I am also registered with Cambridge Investment Research, Inc., an independent broker-dealer with over 3,000 registered representatives nationwide.

What qualities do you seek in potential clients, and, on the flip side, what qualities do you and the firm have that prompt potential clients to select your services?

I hope clients come to me because I put their interests first. I have a lot of experience and have been through a bunch of different markets, and I am independent. I am not required to sell any companies’ products.

Read More: Choice. Flexibility. Independence. (pdf)

Credentials

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Accredited Portfolio Management Advisor℠, or APMA®

Individuals who hold the APMA® designation have: The Accredited Portfolio Management Advisor℠ or APMA® Program is a professional designation program for financial professionals. The program is designed to educate advisors on the subtler points of portfolio creation, augmentation, and maintenance. Topics covered include:

  • client assessment and suitability
  • risk/return, investment objectives
  • bond and equity portfolios
  • modern portfolio theory
  • investor psychology
  • and other topics germane to building appropriate client portfolios
Accredited Investment Fiduciary, or AIF®

Individuals who hold the AIF® designation have:

  • Completed the AIF® Designation Training;
  • Passed the AIF® designation exam;
  • Met the designation’s prerequisites and qualification and conduct standards;
  • Accrued a minimum of six hours of continuing professional education, with at least four hours coming from fi360-produced sources;
  • Attested to a code of ethics.

Accredited Investment Fiduciary Designation®

Chartered Retirement Plans Specialist, or CRPS®

Individuals who hold the CRPS® designation have:

  • Completed a course of study encompassing design, installation, maintenance and administration of retirement plans;
  • Passed an end-of-course examination that tests their ability to synthesize complex concepts and to apply theoretical principles to life situations;
  • Pledged adherence to the CRPS® Standards of Professional Conduct, and are subject to a disciplinary process in that regard.

CRPS® designees renew their designation every two years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirement

Certified Fund Specialist, or CFS®

CFS designation is awarded upon passing an examination on mutual funds, ETS, REITs, closed-end funds, and similar investments. Advanced studies on topics include:

  • Fund analysis and selection;
  • Asset allocation;
  • Portfolio construction;
  • Sophisticated investment strategies for risk management, taxes, and estate planning.

Institute of Business & Finance Announces a New CFS® Designee

Accredited Wealth Management Advisor, or AWMA®

Individuals who hold the AWMA® designation have:

  • Completed a course of study encompassing wealth strategies, equity-based compensation plans, tax-reduction alternatives, and asset-protection alternatives;
  • Passed an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations;
  • Agreed to adhere to the AWMA® Standards of Professional Conduct, and are subject to a disciplinary process in that regard.

AWMA® designees renew their designation every two years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements.

Certified Annuity Specialist, or CAS®

 CAS® is a professional financial services designation granted by the Institute of Business & Finance (IBF)

Institute of Business & Finance Announces a New CAS® Designee

Certified Estate & Trust Specialist, or CES™

CES™ is a professional financial services designation granted by the Institute of Business & Finance (IBF)

Institute of Business & Finance Announces a New CES™ Designee

Certified Tax Specialist, or CTS™

CTS™ is a professional financial services designation granted by the Institute of Business & Finance (IBF)

Institute of Business & Finance Announces a New CTS™ Designee

Securities Licenses

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Series 66 Exam, Taken 12-18-2012, Scored 93%

Passing the exam qualifies candidates as both securities agents and investment advisor representative.

Series 7 Exam, Taken 07-20-2005, Scored 92%

Individuals who pass the Series 7 examination are eligible to trade all securities products: corporate securities, municipal fund securities, options, direct participation programs, investment company products, variable contracts, etc.

Series 63 Exam, taken 03-22-1989

The exam qualifies candidates as securities agents within a state. Nearly all states require people to pass the Series 63 for state registration.

Series 6 Exam, Taken 02-23-1989, Scored 92%

The exam measures the degree to which each candidate possesses the knowledge needed to offer the products of investment and insurance companies, including the sales of mutual funds and variable annuities.

Other Licenses

I am also licensed to offer life, health, accident, disability and long-term care insurance plans, as well as fixed annuities.

My Education

  • Bachelor of Science University of South Florida
  • Major Finance, Minor Political Science
  • GPA of 3.10

Flexible Payment Options

Fee-Only %

Custom wealth management, I am a fiduciary adviser.

Hourly Rate $100 Hour

Ideal for clients who want financial planning, retirement planning, or wealth management advice but don’t want to move their accounts.

Commission Depends on the Product

Ideal for smaller accounts (less than $50,000) and Roth IRAs and some 403(b) plans.