Independent Financial Consultant

History

Your asset safety and return on those assets are my primary concern. I carry the appropriate amount of business insurance coverage to protect your assets against any inappropriate activity so you can feel safe and secure while doing business with a qualified individual. Any business you do with me is protected by insurance coverage I carry on my services.

Working with some of the biggest Firms in the Nation, I have been the top producer at almost all I have worked for in my region. Feeling the pressure of following some corporate agenda and the misquided efforts of those firms to convince every agent that relationships are easy to build and require little time, I felt the need to branch out on my own and build a solid foundation for people to build a relationship on requiring time and effort. I follow a needs based approach and match not only allocation to your personal and family needs but time horizon and risk tolerance. I use time, risk and return as the basis for performing that seamless integration with what you may currently own. The knowledge and information I bring to the table will complement what you may already have had done requiring little time and as hassle-free as possible. Sometimes a simple rebalancing or shift in your current portfolio instead of an outright replacement strategy may be all you need. My focus is to increase your net-worth plain and simple.

I work with several Financial Companies, not just one. This gives you selection and is more consumer driven.

Some of these have Triple-A ratings and some do not. Knowing that Risk is Comensurate with return, sometimes the only way to get a return in tough times is take a little risk but only what you are willing to take. Principal guarantee is my main objective.

I have a B.A. in Business Administration with a major in International Business from Florida Atlantic University

I have passed the following exams: Series 7, 31, 63, 65, and 24

I have a Life and Health Insurance License including Variable Annuity in Kentucky and a non-resident in Florida, and Ohio

I carry a Florida Real Estate License

I carry several qualification certificates

I maintain and am current on all CE requirements

However: My real qualifications come from experience!

Beliefs:

You can read a thousand maps but learn more from traveling the road just one time.

Tell me I forget, Show me I remember, Involve me

I understand.

Services

Whether its Long-Term Care, College Planning, Retirement Planning, Complex Estate Planning, Business Continuation or outright Funding,

My goal is to meet your needs.

Estate Preservation

Executive Compensation Plans

IRA Rollovers

401K installation

Simples, SEPs and Individual Plans

Term Insurance

Whole Life Insurance

Permanent Insurance

Universal Life

Long-Term Care Policies

Business and Project Funding

Buy-Sell Arrangements

Fixed annuities

Market Indexed Annuities

Health Insurance

IRA's (Roth, Traditional, Deductible, Non-deductible

Medicare supplement

Specialties

Core Competency

Specializing in Estate Protection and Executive Compensation, I can offer you a suite of platforms to help you meet your objectives.

Its not a one stop shop, it's a one-stop resource for you the consumer.

Many people are unaware that:

A. Many times there is no up-front charge for a consultation

B. Capital gains on Property taxes may be handled differently. (Tax Planning not Tax returns using Estate Planning)

C. I can do a trust audit for you! (Many trusts go unfunded and may simply be a re-titling issue

E. You may not be as stuck with an underperforming annuity or insurance policy as you thought due to 1035 rules

F. Monies may be available for business projects you did not know were possible.

G. Resistance to change is inevitable.

Sometimes you gotta GO-FOR-IT!