OUR SERVICES
With over 30 years of experience, I take intricate investment strategies and make them easier to understand. This approach allows you to be fully involved in your Wealth Management planning.
Complex investment strategies made simple.
What we do
Some of my areas of focus include:
- Income Planning
- Wealth Management
- Retirement Planning
- IRAs
- Asset Management
- 401(k)
- Charitable Giving
- Trust Documents
- Financial Reporting
Experience
As a professional Financial Advisor with years of experience in the finance industry, I have the skills that you need in your Wealth Management journey.
Personalized plans that work for you.
ADVISOR or Broker?
Guidelines to making an informed choice
What does it mean to work with a financial advisor in an investment advisory relationship versus working with an advisor acting in a brokerage capacity? Listed below are some of the key benefits — and differences — to working with a financial advisor in each aspect:
Advisory Relationship
Your advisor:
- Provides continuous investment advice and due diligence of allocated investments
- Maintains fiduciary responsibility to monitor & re-balance client portfolios
- Places discretionary trades (makes trading decisions for you)
- Receives compensation through ongoing advisory fees, or flat or hourly fees for specific individual services
- Note: I am affiliated with Sigma Planning Corporation, a SEC registered investment advisor.
Brokerage Services
Your broker:
- Provides investment recommendations
- Ensures suitability of investment advice and products offered
- Takes customer orders & executes securities transactions (explains options but you make trading decisions)
- Receives compensation through commissions on securities transactions
Note: As a broker, I am affiliated with Sigma Financial Corporation & Parkland Securities LLC, broker-dealers, members FINRA/SIPC
- Do you want a financial advisor to professionally manage your investment portfolio — placing trades on your behalf without having to consult you? An advisor relationship may be
Clients may engage an advisor for specific, individual financial planning services as an alternative to, or supplement for, ongoing services in an overall advisory program. This type of service covers a variety of options. Examples range from single goals, such as helping to determine the correct asset allocation in your company's 401(k) plan, plan for college expenses, or leave a legacy; to broader services, such as preparing a comprehensive financial plan for you and your family. Clients choosing singular advisory options pay either a flat or hourly fee, which is not ongoing, earmarked to the specific planning activity. Clients engaging an advisor for financial planning services generally pay an ongoing fee based on total assets under management.
Which choice is right for me?
So, how can clients determine which type of relationship is better for them? Below are some additional factors to consider when deciding whether to work with a financial advisor in either an advisory relationship or brokerage capacity:
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- Do you want a financial advisor to professionally manage your investment portfolio — placing trades on your behalf without having to consult you? An advisor relationship may be appropriate.
- Would you prefer to consider recommendations and make your own investment decisions with an advisor executing your trade orders? A brokerage relationship may be the right choice.
- Do you need a partner that pursues a fiduciary standard to provide ongoing investment advice in your best interests? An advisory relationship may be appropriate.
- Would you prefer occasional notifications and explanations of suitable investments, with no obligations? A brokerage relationship may be the right choice.
- Do you want to work with a financial advisor, paying a fee consistent with your assets under management, which is not tied to the number or type of account transactions? An advisory relationship may be appropriate.
- Would you prefer instead to pay transactional commissions or trades you select rather than periodic fees? A brokerage relationship may be the right choice.
Sometimes, an advisory relationship may be more expensive than brokerage services, while in other cases, a brokerage relationship may cost more. Depending on your situation and needs, the factors above may help you determine the appropriate relationship to choose for your investments.
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Remember too, your relationship with a financial advisor is ongoing, and can change over time to meet your needs, objectives, and tolerance for risk, as well as your capacity to handle risk and market volatility or security liquidity. We believe that when it comes to financial matters, the value of professional advice cannot be overestimated.
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When acting under the advisory relationship, Sigma Planning Corporation (SPC) and its financial advisors are required to act as fiduciaries, and disclose all material conflicts of interest between SPC and its advisory clients. To do so, SPC must deliver a Form ADV brochure to clients at the time of engagement, and alert clients to any material changes to the Form ADV brochure on an annual basis. The ADV brochure contains important information about SPC and the financial advisor, as well as the services provided, fees to be paid for the advisory relationship, and any material conflicts of interest. To review details, SPC's Form ADV brochures are available at www.spc4clients.com.
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Sigma Planning Corporation (SPC) is a registered investment advisor (RIA), registered with and regulated by the SEC. SPC is jointly operated with Sigma Financial Corporation and Parkland Securities LLC, broker-dealers, members FINRA / SIPC. The means that one of our financial advisors can offer you both investment advisory and brokerage services, depending on your needs and preferences. Each of these services can help you work toward your investment goals in different ways. We want to make you aware of some of the important factors you should consider when deciding on which type of service is best for you. If you have any questions, I can provide you with more information.
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A DECISIVE MOVE
Make the switch to the Sigma Managed Account
More choices.
More clarity.
More personalization.
Portfolio Customization
Sigma Planning Corporation (SPC) provides the tools to assist me in seeing that your portfolio is appropriately allocated, monitored, and rebalanced as necessary.
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Your Sigma Managed Account is overseen by me with your current situation, future, feelings, and family dynamics at the heart of the decision-making process.
Safeguarding Your Assets
Your Sigma Managed Account assets are held at a national and well-respected asset custodian, which is a member of the Securities Investor Protection Corporation (SIPC)*, FINRA, and SEC. The custodian also provides additional coverage to safeguard your assets.**
*Note that SIPC coverage is not that same as, nor is it a substitue for, FDIC deposit insurance. Securities purchased through our clearing organizations are not FDIC insured.
SIPC and the additional protection do not protect against losses from the failure of security, insure the quality of investments or protects against losses from fluctuating market value.
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**For more information about the asset custodian and the additional insurance, see the "Helping to safeguard your assets" brochure.
Professional Money Management
Your Sigma Managed Account opens the door to a whole new level of portfolio diversification. Choose from several types of investments: mutual funds, ETFs, UITs, common and preferred stocks, stock options, and fixed income vehicles including CDs, corporate agency, treasury and municipal bonds.
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My job is to discuss these investment options with you, evaluate your choices and help select an appropriate portfolio allocation that is aligned with your goals.
Transparency
I provide clarity for your portfolio allocation, various asset classes, individual holdings and transactions. These will be clearly identified on your monthly statement, quarterly performance report and confirmations via online access. Additionally, our team is always there to help you understand advisory fees and are fully disclosed.
Portfolio Monitoring
I will seek to ensure your assets are managed with the strictest care and attention. Because market and economic conditions are ever-changing, your portfolio will be monitored on a frequent basis. Adjustments will be made as appropriate.