Check the background of this financial professional on FINRA's BrokerCheck.

Apr
25
SOCIAL SECURITY AND RETIREMENT INCOME PLANNING
Continue Reading »

Oct
10
Welcome to My Blog!
Hello friends, clients, associates and investors. Welcome to my first blog! I am now a proud member of the blogosphere—a techno-world containing more than 133 million individual blogs. I decided to do a little research before launching my first blog and was amazed to learn from Technorati (a blog indexer) that approximately 350 million people globally read blogs on a regular basis. I thought, ‘what an unbelievably enormous market reach!’ And so I realized that, of those numbers, a certain percentage may be interested in what this veteran wealth advisor had on his mind each week. For starters, if you read my profile you know that I have been in the financial services industry for 24 years and I am a wealth advisor to a diverse mix of...
Continue Reading »

Oct
11
10 Top Financial Planning Tips to Get You Through December
We are heading into the holiday season and now—more than ever— is the time to really stick to your financial plan.  But let me ask you:  how have you done so far this year? Have you been adhering to your budget? Have you been investing and saving? If not, take a closer look at your plan and see if it needs adjusting. Take a look at these 11 tips, and try to make them work for you. Also, it’s a good idea to include these tips in your New Year’s resolution (I know it’s early, but no reason not to start planning now). 1. Spend only what you can afford. It seems simplistic, but many people, even those with substantial incomes, ignore this basic financial principle. If you have more money going out than you have coming in, it’s a recipe for...
Continue Reading »

Oct
11
14 Phases of Investor Emotion
My previous post focused on investor behavior and how attitudes and experiences can affect your investing outcome.  In this post, I’d like to outline the various stages of investor emotion during stock market cycles. There are numerous YouTube videos about the stages, as well as articles posted on stock and options sites which explain the same 14 stages. Although I am not a stock or option trader, and don’t recommend that you buy individual stocks, I think the 14 stages can apply to any type of investment decisions and can have an effect on your investment portfolio.  So, let’s talk a little bit about it now. As I mentioned last time, emotions often cloud decision-making and prevent us from acting in a rational manner.  We may never...
Continue Reading »

Oct
11
16 Vital Family Financial Planning Tips
Don’t be afraid to celebrate financial planning, now I don’t mean to actually throw a party, but I do want stress the importance of proper financial planning before it’s too late!  At the very least, you need to understand the basics. Every year around the first week of October, the Financial Planning Association (FPA) celebrates its annual Financial Planning Week.  The FPA (of which I am a member) is one of the financial services industry’s trade organization for professionals, and is the largest of its kind in the industry. Not only do they help educate those of us in the financial planning community, they also help educate the general investing public as well. The FPA offers interactive tools, educational seminars, literature,...
Continue Reading »

Oct
11
Are you Crazy? Don’t Be Lazy
This is vacation time, and just because you are eager to get away, don’t get lax on the really important matters. You are caught up with making travel plans, checking the best airline and hotel deals, confirming reservations, and determining what your travel wardrobe will be for that vacation week.  So much to do! But, that being said, after you’ve taken care of those pre-vacation details, don’t forget the most important thing to do. What is that, you say?   Protecting your home while you and your family are away!  And I don’t mean just turning on the house alarm and thinking all will be safe. There are many great ways to make sure that “ne-er-do-wells” strip you of your prized possessions, expensive jewelry and electronics, and...
Continue Reading »

Oct
11
Are You Self-Employed?
Here Are 4 Retirement Plan Choices For You I hear it all the time, “I’m having a hard time saving for retirement. I don’t know how much to save, and I don’t know where to put the money in the meantime so I won’t spend it.” This is a legitimate statement. And when you are self-employed, it can be even more difficult, especially when every dollar is coming out of your own pocket. But, if you don’t invest in your future, no one else will. This needs to be your top priority, and It’s never too early to start (just ask some 60-year olds). There are several types of saving and investment vehicles that have features which will help you gradually build your nest egg. The following four retirement plans are specifically designed for you: 1....
Continue Reading »

Oct
11
Aspire to Retire: What Will it Require?
I really don’t like being the “bearer of bad news,” but somebody has to do it. Hopefully, you are not among the retirement savings statistics I outline below. But if you are, you may already know what to do. But, if you don’t, perhaps I can help. So, first here is the bad news: If you’re like most people, you haven’t made adequate plans to ensure a comfortable lifestyle throughout retirement. Now here is the good news: You may still have time to do something about it (as long as you’re not 83 years old). You see, according to a new study[1] of almost 1,500 Americans by the National Bureau of Economic Research (NBER), many people lack essential financial literacy, and for most, prospects for a secure retirement may be even dimmer than...
Continue Reading »

Oct
11
LAWSUIT HAPPY
Have you ever been on the wrong side of a lawsuit? If so, you know how grueling it can be, and I hope you came out on the “right” side!  If you are a physician, and you are wrongfully sued for malpractice—well, even with liability insurance premiums that are staggering, it may not even cover most of the exposure. The same goes for business owners who may be dragged into court and incur expensive litigation costs. If you lose, you will have a judgment against you, which will put business assets and possibly personal assets at risk. Maybe some people are just “lawsuit happy” these days. Alarmingly, if you are simply an affluent individual trying to live a comfortable lifestyle and minding your own business, you may become the target of a...
Continue Reading »

Oct
11
Baby Boomers: The Sandwich Generation
We hear it almost daily—as baby boomers, we are part of the “Sandwich Generation.”  And, believe me, that’s no baloney!  For those of you new to the Sandwich Generation, let me define it for you:  It is generation of people who are caring for their aging parents while simultaneously supporting and caring for their children. The term was coined in 1981 by sociologist Dorothy Miller, and AARP estimates that 20 million Americans are currently helping their kids through college and dealing with the numerous medical and health issues of one or both elderly parents. And according to Pew Research Center, approximately 7-10 million are doing it long distance! I totally relate to the Sandwich Generation, because I am a member. I had to oversee the...
Continue Reading »

Oct
11
Are You Caring for a Special Needs Child?
Are you a parent caring for a child with a developmental disability, such as autism or ADHD? Not only are the daily demands daunting, but you are probably worrying about future care for your child. I was astonished (but in some ways not really surprised) when I read survey results by The Hartford Financial Services Group which reported that 62% of parents with disabled children said they hadn’t established a plan for what would happen when they (the parents) were no longer around or able to care for the children. Also, disturbing was the finding that about half of the surveyed parents said they planned to leave assets directly to the child, and 58% expected to designate the child as a beneficiary. What these parents didn’t realize was...
Continue Reading »

Oct
11
Charitable Giving Re-Visited
Are you a generous person?  Do you find charitable giving personally rewarding and meaningful? Do you love giving to foundations and other organizations that help those in need?  If this sounds like you, then you know how the economic downturn has posed philanthropic challenges for individual donors (like yourself), corporations and foundations. These challenges also affect the social services organizations as unemployment, family problems, homelessness, and other issues have increased which make it extremely difficult to help those in need. According to the most recent report by the Giving USA Foundation, donations fell 3.6% in 2009 to $303.75 billion, down from $315 billion in 2008. This is the steepest decline in current dollar terms...
Continue Reading »

Oct
11
Pet Therapy: The Healing Power of a Wet Nose
I’ve decided to take a slight departure from my usual financial-themed blog posts in order to talk about something near and dear to me. I am a true animal lover, and am very fortunate to share my home with two Nova Scotia Duck-Tolling Retrievers; Charley and Lexi, the most remarkable dogs in the world. Like most dog owners, I love my dogs and enjoy spending time relaxing and playing with them, and I also am lucky enough to be able to work with my dogs. Both of my dogs come with me to the office, and my clients have grown accustomed to being greeted by their wagging tails and constant willingness to play fetch. Once their furry receptionist duties are over however; my dogs perform a much greater service to the community. Charley is a...
Continue Reading »

Oct
11
Risky Business
I certainly don’t have to remind you that we are still experiencing turbulent times. Our markets are extremely volatile and will continue until our economy bounces back. Many analysts are saying it will be several years before we return to the type of markets and economy we have become accustomed to. Some Wall Street pundits believe we have seen the worst of it; while some experts simply aren’t talking. The point is, there is no crystal ball, but what we do know is that the age-old strategies for investing are not going to work in the market environment we are in now. We also know that risk tolerance goes hand-in-hand with investing, which is especially important to understand after the markets we have been through. Some investors simply...
Continue Reading »

Oct
07
Divorce and 5 Major Areas of Financial Planning
I hope you never have to go through a divorce from your spouse, but In spite of the best intentions, sometimes marriages end in divorce. It can be a painful process especially for the spouse who does not want the divorce, as well as for the kids. The financial challenges can take their toll as well.  And speaking of those financial challenges, I can say with certainty (having helped divorced clients) that the proper planning can make a big difference in the stability of your finances going forward.  Here are some of the major areas you need to examine during the planning process: 1.       Income Sources Alimony is taxable to the recipient and deductible by the payor, while child support is neither taxable nor deductible.  The stream...
Continue Reading »

Oct
11
Do You Need a Personal Succession Plan?
Most people know what succession planning is—and we immediately think of business succession planning, right?  This is the process of replacing top leaders at firms and of passing on a small business or professional practice when the owner is ready to retire. But did you know that an effective succession planning process can be adapted for personal use as well?  For example, it will help you transition to a new jobs, to a new career, to self-employment, or to retirement. Just as having a business succession planning process ensures the continuity of an organization or a small business, it can also help make personal life transitions less “bumpy” and can create a smoother path for you.  In other words, everyone goes through transitions...
Continue Reading »

Oct
11
DO YOU HAVE A PERSONAL CHIEF FINANCIAL OFFICER?
I’m serious….you may very well need one!  I have met a few wealthy individuals lately who are acting as their own personal CFO. A few are doing a pretty good job of managing their wealth but, frankly, most are not. The main reason is because they are busy running a business or a professional practice and don’t have the time to make the crucial decisions about investments and investment products. They don’t have the time or expertise to do research and build and maintain their portfolio by themselves. But these decisions must be made (and be made wisely) if you want to grow and protect your wealth for your retirement. And this is where your personal CFO—also known as your wealth manager—is invaluable to you. Three Important Questions...
Continue Reading »

Oct
11
Protecting Your Parents – Elderly Scams and Senior Fraud
I’ve written previous blog posts about financial fraud and scams that prey on the elderly. Since then, I’ve received a lot of feedback and questions on the subject. Some of my friends and acquaintances have even told me that their own parents were victims of a financial scam. Because such scams tend to flourish during economic downturns like the one we are in, I thought it was a great time to review how to protect your older family members from fraud. Older people are targeted by con artists because they often have more money or are perceived to have more money by con artists, and not necessarily because they are frail and helpless. Fortunately, there are many resources that can be used to help educate and protect the elderly, their...
Continue Reading »

Oct
11
Estate Planning for the “Brady Bunch”
Are you part of a “blended family?” If you or your current spouse has experienced previous divorces, then you probably have kids from the previous marriages. If so, then you are among half of the families in the US reported to have a blended family. And with about one million divorces every year, that’s a really big number of families that may not all be modeled after that famous 70s TV show family, “The Brady Bunch.” http://www.youtube.com/watch?v=Ou-FeOoKDq4 What I mean is that even though on TV the Brady Bunch lived in bliss and harmony,  there is a likelihood that your family members (unlike the Brady family) will experience some level of discord (okay, fighting !) after your death in certain financial areas. Here are three examples...
Continue Reading »

Oct
11
The Fine Art of Planning For Collectibles
Do you, or members of your family, like to collect antiques, art or vintage items?  If you watch the Antiques Roadshow on TV, then you are probably hooked!  Collecting can sometimes become an obsession, but it is also so much fun—especially when you realize that you have accumulated a collection that is valuable and worth a considerable amount of money. I’ve noticed that the passion for collecting is especially pronounced among high net worth families. And many times, the collection is just sitting around or on display but not too much attention is paid to protecting or planning for its succession or sale. I believe in order for you to make the most of your collectibles as financial assets, you should follow these four simple steps:...
Continue Reading »

Oct
11
Give Your Money Away!
I’d like to talk today to those of you who are exceptionally wealthy. Specifically, to those of you who are enjoying your wealth and have much more than you will ever need for a comfortable retirement. So, what are you going to do with your wealth beyond that?  Give it away!!  Of course, that’s easy to say, but not as easy to do especially if you want to avoid major tax consequences. But there are ways to transfer your assets, avoid those major tax consequences, and create a lasting legacy. I will show you how by using an example of a couple in their mid-60s who did just that. Bob and Regina have assets currently valued at more than $15.5 million and are exploring ways to pass on some of their wealth to their loved ones while avoiding...
Continue Reading »

Oct
11
How to Preserve Your Wealth for Generations to Come
Let’s talk today about “trusts.” I know it might not sound terribly exciting, but if you want to preserve the wealth you’ve worked so hard to accumulate, and you want to pass some down to your children and grandchildren, and minimize estate tax, you need to read on.  Of course, it makes sense to take steps to preserve the wealth you’ve accumulated, so your children and grandchildren can enjoy some of the fruits of your labor. But not only that, you may also want to share and pass on some of your personal values which will be your legacy for generations to come. I will explain how you can do all of these things and more. All you need is a vehicle we call a “Dynasty Trust.” First, let me say that most trusts are established with a finite...
Continue Reading »

Oct
10
Top 5 Ways to Protect Your Elderly Parents from Scams
If you are a baby boomer, in all likelihood you are helping to take care of one, or both, of your parents. Parents with diminishing memory or disabilities need to have careful oversight of their expenditures as well as their daily decision-making (especially if they are still living independently). I read a great article last year in Kiplinger’s Personal Finance magazine about the importance of protecting your parents from ever-increasing “elder fraud.” It made a great impression on me and it bears repeating. What I learned was that, unfortunately, getting pressured into inappropriate investments isn’t the only way seniors are taken advantage of financially. The writer cited an example of her mom (with Alzheimer’s disease) who almost...
Continue Reading »

Oct
11
Kids and Money
I haven’t talked too much about teaching your children about money in my blog posts. But it is such an important part of their growth and future success. Perhaps your kids might follow in your footsteps and come into the family business, or even take it over when you retire. Or, if you don’t have a family business, they will walk down their own path: whether it is a business career, a professional career, or a religious, spiritual or philanthropic avocation. In any case, you can prepare them for eventual success with some basic financial principles. Teaching Kids to Budget Start by teaching your kids about money: what it is, how to get it, how to save it, when to spend it. Let them get firsthand experience by allowing them to manage...
Continue Reading »

Oct
10
Who Will Take Care of You If You Become Ill?
I was thinking the other day about a friend of mine who is having challenges with taking care of his elderly parents. He has a full-time career, and both of his parents are experiencing health issues. One has a broken hip, and the other is showing signs of Alzheimer’s disease. Unfortunately, neither had a Long Term Care Insurance policy, thinking that Medicare or Medicaid would take care of their medical expenses. People who “get it” and understand the concept of Long Term Care Insurance have had the unfortunate experience of a family member or someone close to them experience health issues without having the necessary insurance. Whether it’s a  “slip and fall”  incident and they are not rehabilitating as quickly so they must spend an...
Continue Reading »

Oct
11
Physicians: “Heal Thy… Wealth Challenges”
I’d like to address my physician friends and clients today. Like many business owners, physicians will also experience changes in their financial planning and wealth management needs through the course of their practices. As a physician, you probably wonder (or have wondered) if there are things you should be doing to protect your wealth that you are not doing currently. And if you are nearing retirement, you may be thinking about the preservation and eventual distribution of your wealth. To address these questions, it may be helpful to think about your financial planning strategies in four distinct stages. I call them: Wealth Protection, Wealth Accumulation, Wealth Preservation and Wealth Distribution. I will outline them for you next....
Continue Reading »

Oct
11
Physicians: “Heal Thy… Retirement Plan”
Today, I’d like to talk to doctors, dentists, and other physicians that may be reading my blog post (or to the relatives and friends of physicians.) Of course, as a physician, you already are familiar with the phrase, “Physician, Heal Thyself.” It suggests that physicians, while often being able to help the sick, when they are sick themselves they often neglect their own care. (Kind of like the cobbler with no shoes.)  I decided to draw upon that important statement and relate it to a physician’s financial health and well-being; many times the health and wealth go hand-in-hand. If you’re a physician, you spent many years of medical school and training followed by decisions about how and where to practice. And now that you’ve established...
Continue Reading »

Oct
11
Is It Over Yet?
I read with interest recently a “Daily Finance” interview with Joseph Stiglitz, the Nobel-winning economist, a former head of the World Bank and now a professor at Columbia University. He warned that we should  “prepare” for the US recession to continue until 2012. Even though we see headlines announcing that the recession is over or that things are looking rosier, millions of people are still unemployed, millions of homes are in foreclosure, personal and business bankruptcies are at an all-time high. Stiglitz may be right. You’ve probably heard a recession defined like this: If your neighbor gets laid off, it's a recession. If you get laid off, it's a depression. You might be smiling, but it is really hitting home for many people.  How...
Continue Reading »

Oct
11
Are You Overdue for a Financial Check-Up?
I hope those of you reading my blog posts are either recovering from the past few years of economic uncertainty, or are in the process of re-building your financial cushion. Here’s hoping you devoted time earlier in the year to review your 2011 financial plan, and are on the right track. If you neglected to do so, here are 10 tips that may help improve your financial situation currently or in the near future:  Revise your estate plan. Under the 2010 Tax Relief Act, the federal estate tax has returned after one-year repeal. For 2011 and 2012, an estate can benefit from a $5 million exemption and a top tax rate of 35%, among other changes.   Pay attention to other taxes, too. Although favorable tax rates on income, dividends, and capital...
Continue Reading »

Oct
11
How to Live the Life You Have Imagined
The great poet Henry David Thoreau wrote, “Go confidently in the direction of your dreams. Live the life you have imagined.”  Thoreau was not only poetic in his advice but he was also brilliant. We believe as Thoreau believed, and this is why we believe a skilled wealth manager will ask you what your dreams are, and then will strive to help you achieve them. I tell my clients, “We start and end with your dreams.”  And that is what you should expect from your advisors—and nothing less. It is very important to have a professional financial advisor guide you on your financial journey. But before you venture out, you first need to know what you want out of life, both for yourself and your family, and then your advisor can better evaluate...
Continue Reading »

Oct
11
The IRS Gives Us a Gift!
What? The IRS is giving you a gift?  That’s right, and it has to do with “wrap account” fees.  Here is what the IRS has ruled recently:  If you are paying wrap fees on an IRA account (either traditional or Roth) with outside resources, it won’t count as a contribution that reduces the amount you can deposit in your IRA.  So, why is that such a great gift?  Well, first, because we rarely get gifts from the IRS. But most important, because this could ultimately increase the value of your IRA by a significant amount. Plus, you may be able to deduct a portion of the wrap fees as a miscellaneous expense on your personal tax return.  This is a true advantage for you. For those of you who don’t know much about wrap fees, here is a quick...
Continue Reading »

Oct
11
Don’t Manage Your Own Money! Top 3 Reasons to Hire a Pro
Are you trying to do your own financial planning and money management yourself? Are you getting frustrated or finding that you have no time to undertake this enormous responsibility? Perhaps you are a busy professional or a small business owner—if you are like most, you are spending 24/7 on running your business or your practice. Managing money is a difficult job, especially if you don’t have the expertise, time or even the patience to do it yourself. Even with my 25 years of being a wealth manager, I continue to learn new investment and risk management strategies for growing and protecting assets. That’s why I always recommend working with a professional money manager or financial advisor to help with the investment portfolio. Here...
Continue Reading »

Oct
11
Should You Work During Retirement?
Over the past few years, I have asked many clients to define retirement. The vast majority said what I expected:  “It means I can quit working for good.”  Suggesting to those individuals that they might consider doing some part-time or consulting work to have more of a financial cushion is an option they often times don’t want to hear. Before you even think about retirement, you need to make sure you that you can retire comfortably. In reality, though, working during retirement is becoming more and more common. I read in a recent SunAmerica Retirement Study that pre-retirees are delaying retirement by five years — from age 64 to 69 — and when they do retire, two-thirds anticipate that they will continue to work in some fashion. The...
Continue Reading »

Oct
11
Stop Pulling Your Hair Out Before Retirement!
4 Things to Do For Financial Peace of Mind  Do you have to come to grips with new financial realities?  You’re not alone; millions of people are, especially in today’s uncertain economy. People are afraid of what is ahead:  recession, inflation, continued unemployment, political unrest….and more. All that being said, there are some things we can control, and some things we can’t control. So, let’s talk about the various ways to increase the odds of financial success and reduce anxiety over what’s ahead.   But first, let me tell you a story of Michael and Susan Walker (not their real names) and what they encountered several years ago during the volatile markets, and how they managed to pull out relatively unscathed. You see, Michael...
Continue Reading »

Oct
11
Think Estate Planning is All About Money? Think Again!
It seems like estate planning is usually all about the money and taxes, right? You start by figuring out what you have, what it’s currently worth, and what its value is projected to be in the future. Then you decide how you want to slice up the pie for your heirs while having to pay as little as possible in estate taxes. But what is the REAL goal? The real goal is about establishing your legacy and helping your family. That’s your goal! When you look beyond the numbers, estate planning is all about people. Let me explain what I mean by that: Part of our job as wealth managers and financial advisors is to help people discover what they hope to accomplish with the wealth they’ve built. That may involve looking back on your life and...
Continue Reading »

Oct
10
Thinking of Philanthropy? Try Donor-Advised Funds
I haven’t talked very much about philanthropy in my blog posts, but it’s a very important and meaningful topic. Some of you reading this already make charitable giving a priority in your life. And some may be working with a professional advisor to help you to either establish a family foundation, or you are working with other private foundations. I applaud you for that. For those of you who are interested in charitable giving, but would like an easier way to be philanthropic, let me explain a little bit about donor-advised funds. They can be an appealing alternative for you. First, with a donor-advised fund, you contribute cash or property to a special account managed by a sponsoring charitable organization or an investment company....
Continue Reading »

Oct
10
USE YOUR HEAD: CHOOSE YOUR ADVISOR CAREFULLY
I’ve written a number of blog posts about wealth management and planning strategies over the past year. But I thought it was time to do a basic article on choosing a financial advisor. The process that you use and the choices you make will set the course for your financial path. Therefore, working with the best financial advisor (or shall I say the most appropriate) for your own situation is crucial. Volatile times in our economy and in our stock markets cause many investors to do nothing, in other words they are paralyzed and are afraid of losing money (or losing any more money). Maybe they have lost confidence in their current advisor. But if you need to choose or change an advisor, how will you know you have made the right choice?...
Continue Reading »

Oct
11
What are RMDs? Should You Care?
Do you know what RMDs are?  Well, if you know them as Required Minimum Distributions, you are right— and they have to do with your Traditional IRA. Let’s talk about them and about your account.  First, I’m sure you know that your Traditional IRA was never meant to shield your savings from the IRS indefinitely. That being said let me also remind you that you are required to start withdrawing a certain amount from your Traditional IRA each year once you reach age 70½. These withdrawals are your RMDs and they are governed by a rather complex set of rules and regulations, which I don’t need to go into detail about here. But, here are a few of the questions you may have, along with a general description of the rules governing RMDs. 1....
Continue Reading »

Oct
10
Why Can’t You Just Behave?
I think it’s high time that I talked about your behavior. What—my behavior, you say?  Yes, if you invest, then you need to hear what I have to say about “human” behavior—and that includes you!  You see, the tendency to gamble and assume unnecessary risks is a basic human trait, according to many human behavior researchers. We are inclined to remember our successes, and forget our failures and this artificially boosts our confidence.  And this tendency can negatively affect our investing outcomes. I’ve read some interesting research over the past few years about behavioral finance (and I’m talking about investor psychology, you know) and I’ve discovered that academic research and real-world observation suggest that investors can be their...
Continue Reading »


RECENT POSTS


 
 
 

Any opinions expressed in this forum are not the opinion or view of American Portfolios Financial Services, Inc. (APFS) or American Portfolios Advisors, Inc.(APA) and have not been reviewed by the firm for completeness or accuracy. These opinions are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors.

Securities offered through American Portfolios Financial Services, Inc. Member: FINRASIPC. Investment Advisory products/services are offered through American Portfolios Advisors, Inc., a SEC Registered Investment Advisor. Froehlich Financial Group, Ltd. and American Executive Benefits, Inc. are not affiliates of APA or APFS. Executive wealth management products/services are offered through Froehlich Financial Group, LTD. a registered investment advisor



This communication is strictly intended for individuals residing in the state(s) of CA, CO, CT, DE, FL, IL, MA, MD, MI, NC, NJ, NY, OK, PA, RI, SC, TX and VA. No offers may be made or accepted from any resident outside the specific states referenced.
 


Check the background of this financial professional on FINRA's BrokerCheck.