The practice
The professional part, kept on its own page.
The rest of this site is about who I am. This page is about what I actually do for the people who hire me.
Four things decide the outcome
- 01Concentration. One position, one company, one counterparty. The thing that built the wealth is almost always the thing that most endangers it.
- 02Sequence. The order events arrive in matters more than the average of them. True of markets, and true of a liquidity event landing in the wrong tax year. Scroll what that costs.
- 03Structure. What the capital is held inside, chosen before it is needed rather than in the quarter it becomes urgent.
- 04Governance. Who decides, on what authority, and what happens the first day the person who built it is not in the room.
Only one of those is the market, and it is the one that gets all the attention. Broad market exposure costs a few basis points and is available to anyone with an account. The other three are the work.
Credentials, for the people who want them.
- CFP® certificationCERTIFIED FINANCIAL PLANNER® professional. Verify with CFP Board
- APMA®Accredited Portfolio Management Advisor. Verify with the College for Financial Planning
- EAEnrolled Agent, in progress
- 7 & 66Series 7 and Series 66. Life insurance licensed. Verify on FINRA BrokerCheck
How I am paid. Through LPL Financial, by planning fees, advisory fees, and commissions on insurance products, all disclosed in writing before any engagement. CPAs and attorneys: how I work with your clients.
Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA / SIPC.
The LPL Financial registered representative associated with this site may discuss and transact securities business only with residents of the states in which they are properly registered or licensed. No offer may be made or accepted from any resident of any other state.
This material is for general information only and is not intended to provide specific advice or recommendations for any individual. Neither LPL Financial nor its representatives provide legal or tax advice; please consult your attorney or tax advisor regarding your specific situation. No strategy assures success or protects against loss.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Fidelity Bank and Fidelity Bank Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Fidelity Bank Wealth Management, and may also be employees of Fidelity Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Fidelity Bank or Fidelity Bank Wealth Management.
- Not Insured by FDIC or Any Other Government Agency
- Not Bank Guaranteed
- Not Bank Deposits or Obligations
- May Lose Value
The LPL Financial registered representative associated with this site may discuss and transact securities business only with residents of the states in which they are properly registered or licensed. No offer may be made or accepted from any resident of any other state.
This material is for general information only and is not intended to provide specific advice or recommendations for any individual. Neither LPL Financial nor its representatives provide legal or tax advice; please consult your attorney or tax advisor regarding your specific situation. No strategy assures success or protects against loss. Examples are hypothetical and for illustration only.