As a Managing General Agency (MGA), Financial Horizons Group is appointed by insurance companies to distribute their products and services, through independent financial advisors. Financial Horizons Group is a leading, national MGA that provides a broad array of life, health, employee benefits, pension, investments, structured settlements, and risk management products and services to financial advisors. We then partner with financial advisors and make it our business to support advisors in growing their business. This commitment translates into providing advisors with the ideal mix of resources, products, services, and support that they, in turn, can provide to their clients. What sets us apart from the competition is that we extend this tremendous support to advisors keeping the power of business in their hands. We are firmly fixed on our tagline of being the gateway to financial success and do everything in our power to ensure the needs of advisors are met in todays ever-changing financial services industry. Financial Horizons Group was established in 1990 by John H. Hamilton, CFP, CLU, CH.F.C., as a financial planning firm specializing in retirement and estate planning. Since that time, it has evolved into a leading MGA representing all financial institutions nationally who have an MGA channel; providing life company products and services to independent advisors throughout Canada. Financial Horizons Group has 24 offices, approximately 180 employees, and is licensed in every province to provide world-class service to over 6,500 advisors Canada wide. Our national team of insurance professionals possess the knowledge and resources to respond quickly to advisors inquiries and needs, and are committed to providing the highest quality products, world-class services, and premier solutions to help advisors boost their business. Advisors rely on the Financial Horizons Group team to sift through the vast volumes of industry information; permitting advisors to focus on their business and clients.
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How To Hire A Financial Advisor | Financial Advisor https://youtu.be/q1orFG-egFw Phone +1 952-657-7470 Vince Oldre, certified finance planner with Assured Retirement Group. I want to thank you for watching another video. I'm going to give you five things here today to watch out for when hiring a financial advisor or retirement planner. Now, I know when trying to hire a financial planner or when working with one, you want to look for one that you can trust. Trust is the biggest thing when it comes to having a financial advisor or a retirement planner. Here are the five things you can watch out for. Number one is, are they a fiduciary? Meaning, are they going to be putting your interests before their own? Now, it can be confusing, because a lot of financial advisors don't have to work as a fiduciary. Make sure whoever you're working with is a fiduciary. Some people will downplay what a fiduciary means, and be careful with that because sometimes they're just working on a commissional basis like an insurance agent. Now, I'm sure they want to look out for you and they want to do what's best for you, but again, they're not legally obligated to look out for your best interests. They just have to meet a suitability standard. Look out for a fiduciary. How To Hire A Financial Advisor Number two is, understand how are they getting paid. Now, if they're getting paid based on just commissions, you understand that they're just going to give you a product that they'll be paid on, a commission. You have to look out for mutual funds, annuities, life insurance, long term care, all those have commissions to them. Even real estate investment trusts, which they are a hot topic right now. You have to be careful with all those because there might be a conflict of interest. They are going to be paid if you buy that product. Now, if they are fee only, then they're just going to create a financial plan for you and you will pay them by the hour. If they are fee based, then they'll be paid based on a percentage of the assets that they're managing for you. Now, a lot of financial advisors like myself, we can work on all three of those bases, and it's important for you to know which one they're working for at that time for you. Another question when you're looking at besides fiduciary and how they're getting paid is, who do they report to? Do they report to you, or are they reporting to the shareholders? Meaning, are they working for this large bank or are they working in a firm where they're going to be looking out for you? When it comes to your retirement plan and your financials, I believe that a financial advisor should be working for you and be reporting to you. They are going to be based off of how well they're doing based on how well they're doing for you. Not how many products or did they meet their quota. Again, understand who do they report to. How To Hire A Financial Advisor The other question that we want to ask is, who is holding onto the money/ Now, we've seen a lot of Ponzi schemes as of late, and in Minnesota one of the hot ones that we've always talked about is Tom Petters. One way to make sure that you avoid falling into a Ponzi scheme is making sure that a large organization is holding onto your money, like TD Ameritrade or Charles Schwab or Fidelity or Wells Fargo Advisors. They're a large company that's holding onto the money, not the actual firm. For example, Assured Retirement Group, we're a registered investment advisory firm and as well as an insurance agency. We do not hold onto our client's money. We use TD Ameritrade, Charles Schwab, or Fidelity to help with our clients, but we're able to work with those accounts on your behalf. We cannot take that money out of there, but we can help advise. That's why it's important that whoever's holding onto your money is going to be with a large organization such as a large custodian like TD Ameritrade, Fidelity, and Charles Schwab, or you name it, a large brokerage firm. Look out for a fiduciary, look how they're getting paid, who do they report to, and who is handling the money. How To Hire A Financial Advisor Last but not least, look at their credentials. There's a lot of credentials out there, we call it alphabet soup, right? There's a lot of financial advisors that have a lot of letters after their name. To keep it simple, look for a financial advisor that has a CFP after their name, certified financial planner. A CFA, chartered financial analyst, or CPA, certified public accountant. Typically they will be the best for you, because they have taken extra steps or more education to help you as a person that's in or near retirement with your financial or retirement plan. All three of those designations have board exams that all people have to pass to have those designations after their name. The other designations do not require a board exam for them to pass to have those designations after their name, so be careful. How To Hire A Financial Advisor
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Berger Financial Group is poised to help financial advisors find their best option for a succession plan. We offer partnerships that provide flexibility for the advisor and are seamless for clients. Let's have a personal discussion today about your succession plan! www.bergerfinancial.com 1695 State Highway 169 Plymouth, MN 55441 Music: https://www.bensound.com/royalty-free... Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc. a Registered Investment Advisor. Berger Financial Group, Inc. and Cambridge are not affiliated.
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How to tell if company is a pyramid scheme? How to tell if a job is a scam? What are signs of a pyramid scheme? What is multi-level marketing? Usana, Vector Market, World Financial Group, MonaVie, Herbal life, Organogold are all pyramid schemes.
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10 Largest Insurance Companies in the World 2018-2019 1. Berkshire Hathaway Berkshire Hathaway Inc. is an American multinational conglomerate holding company headquartered in Omaha, Nebraska, United States. The company is known for its control and leadership by Warren Buffett, who serves as chairman and chief executive and Charlie Munger, the company's vice chairman. Revenue $ 242.13 billion Net income $ 44.94 billion Total assets $ 702.09 billion Owner Warren Buffett (36.8%) Number of employees 377,000 2. United Health Group UnitedHealth Group Inc. is an American for-profit managed health care company based in Minnetonka, Minnesota. It is sixth in the United States on the Fortune 500. UnitedHealth Group offers healthcare products and insurance services. UnitedHealth Group is the largest healthcare company in the world. Revenue $201.1 billion Net income $10.82 billion Total assets $139.0 billion Number of employees 270,000 3. Allianz SE Allianz SE is a European financial services company headquartered in Munich, Germany. Its core businesses are insurance and asset management. As of 2014, it was the world's largest insurance company, the largest financial services group and the largest company according to a composite measure by Forbes magazine, as well as the largest financial services company when measured by 2013 revenue. Revenue $151.54 billion Net income $8.66 billion Total assets $1082.70 billion Number of employees 140,553 4. Japan Post Holdings Co., Ltd. Japan Post Holdings Co., Ltd. (日本郵政株式会社 Nippon Yū-sei Kabushiki-gaisha) is a Japanese state-owned conglomerate headquartered in Kasumigaseki, Chiyoda, Tokyo. It is mainly engaged in postal and logistics business, financial window business, banking business and life insurance business. Revenue $ 129.686 billion Net income $ 4.390 billion Total assets $ 2.467 trillion Owner Government of Japan (80.49%) Number of employees 229,421 5. AXA AXA is a French multinational insurance firm headquartered in the 8th arrondissement of Paris that engages in global insurance, investment management, and other financial services. The company was founded in 1816 as Mutuelle de L'assurance contre L'incendie (the Ancienne Mutuelle). It acquired Compagnie Parisienne de Garantie in 1978 and became Mutuelles Unies. It went on to buy the Drouot Group in 1982, becoming Mutuelles Unies/Drouot. It adopted the AXA name in 1985. Revenue $120.35 billion Net income $6.99 billion Total assets $1072.73 billion Number of employees 165,000 6. Prudential plc Prudential plc is a British multinational life insurance and financial services company headquartered in London, United Kingdom. It was founded in London in May 1848 to provide loans to professional and working people. Prudential has 24 million life customers. It owns Jackson National Life Insurance Company, which is one of the largest life insurance providers in the United States, and M&G Investments, a Europe-focused asset manager. Revenue $117.90 billion Operating income $5.41 billion Net income $3.26 billion 7. Assicurazioni Generali Generali Group is an Italian insurance company, the largest in Italy and 7nth in the world. It has its headquarters in Trieste. In 2010, Assicurazioni Generali Group was the second largest insurance group in the world by revenue after AXA. Revenue $82.29 billion Net income $2.52 billion Total assets $651.09 billion Number of employees 71,327 8. Zurich Insurance Group Zurich Insurance Group Ltd. is a Swiss insurance company, commonly known as Zurich, headquartered in Zürich, Switzerland. The company is Switzerland's largest insurer. As of 2017, the group is the world's 91st largest public company according to Forbes' Global 2000s list, and in 2011 it ranked 94th in Interbrand's top100 brands. Revenue $ 63.961 billion Total assets $ 422.065 billion Number of employees 54,000+ 9. Munich Re Group Munich Re Group or Munich Reinsurance Company (German: Münchener Rück; Münchener Rückversicherungs-Gesellschaft) is a reinsurance company based in Munich, Germany and it is one of the world’s leading reinsurers. Revenue $58.74 billion Number of employees 43,428 10. China Life Insurance China Life Insurance Company Limited is a Beijing-based China-incorporated company that provides life insurance and annuity products. China Life is ranked No. 94 on Fortune 2015 Global 500 Company list. Total assets $362.1 billion Subscribe to our channel for more knowledgeable Videos Everyday https://goo.gl/R2ceXo Like our page on Facebook: https://www.facebook.com/InfiniteExpertise Follow us on Twitter: https://twitter.com/InfiniteExperts Follow Us On Instagram: https://www.instagram.com/infiniteexpertise
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5 Reasons Your Retirement Won't Be Like Your Parents' and what you can do about it. Download the 8 Steps to Organize & Optimize Your Financial Life: http://bit.ly/OrganizeAndOptimize. Scott Weiss is a Fee-Only Certified Financial Planner. Subscribe to my channel: http://bit.ly/scottweisscfp ******************************************** Learn more about working with Scott at Weiss Financial Group Here: http://www.weiss-financial.com ******************************************** Subscribe to my blog: http://www.mahopacmoney.com ******************************************** Get Social -------------------------------- LinkedIn: https://www.linkedin.com/in/scottgweiss Facebook: https://www.facebook.com/WeissFinancialGroup Twitter: https://twitter.com/_scottgweiss ******************************************** Video Notes: ---------------------- Feeling a bit stressed about your retirement? Here are 5 reasons your retirement won’t be like your parents: RETIREMENT THEN VS. RETIREMENT NOW Decades ago, retirement was fairly predictable: Social Security and a pension provided much of your income, you moved to the Sun Belt, played tennis or golf, and you lived to age 70 or 75. To varying degrees, this was the American retirement experience during the last few decades of the previous century. Those days are gone; retirees must now assume greater degrees of financial self-reliance. REASON #1 THERE IS NO PRIVATE-PENSION SAFETY NET TODAY At one time, when Social Security was paired with a pension from a lifelong employer, a retiree could potentially enjoy a middle-class lifestyle. In many areas of this country, living only on Social Security does not afford you the same lifestyle you may have had when you were working. Elders who thought they could rely on Social Security to get by have learned a bitter truth, one we should note. We must supplement Social Security with other income streams or sources.(1,2,3,4) REASON #2 CARRYING MORE DEBT We carry more debt than our parents and grandparents did. It is much easier to borrow money (and live on margin) than it was decades ago. Some people face the prospect of retiring with outstanding student loans, car loans, and business loans, in addition to home loans.(3) REASON #3 RETIRING UNMARRIED Some are retiring unmarried. With the divorce rate being where it is, some baby boomers will retire alone. Perhaps they will share a residence with a sibling, child, or friends; that may give them something of an economic cushion in terms of meeting daily living costs. Then again, some married households were single-income households in the 1970s and 1980s, but retirees managed.(3) REASON #4 LIVING LONGER We will probably live longer than our parents did. Today, the average 65-year-old man is projected to live to 91, the average 65-year-old woman to 94. Our parents could depend on the combination of Social Security, pension income, and fixed-income vehicles for a 10-year or 15-year retirement. In contrast, many of today’s retirees will have to try some growth investing to keep our money growing across a probable 20-year or 30-year retirement.(4) REASON #5 NEED TO PURCHASE INSURANCE We will likely have to insure ourselves if we retire before age 65. The national average retirement age (according to a SmartAsset study of Census Bureau data) is now 63. With private health insurance becoming the new normal, that means many of us will have to find some kind of private health coverage if we retire too young to be eligible for Medicare.(5) Sources: --------------- 1.faq.ssa.gov/link/portal/34011/34019/Ar9cle/3736/What-is-the-average-monthly-benefit-for-a-re9red-worker 2. faq.ssa.gov/link/portal/34011/34019/Ar9cle/3735/What-is-the-maximum-Social-Security-re9rement-benefit-payable 3. blog.nsbank.com/re9rement-planning-3/ 4. marketwatch.com/story/how-re9rement-has-changed-in-the-last-30-years-2016-02-16 5. smartasset.com/re9rement/average-re9rement-age-in-every-state 6. This material was prepared, in part, by MarketingPro, Inc. Disclosure: ------------------- Weiss Financial Group is a registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities product, service, or investment strategy. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser, tax professional, or attorney before implementing any strategy or recommendation discussed herein. Insurance products and services are offered through individually licensed and appointed agents in all applicable jurisdictions. The advisers at Weiss Financial Group are not attorneys of a law firm but can provide guidance to the client’s other professionals. Leave me a comment to ask any question or contact me through my website if you'd like to see if I can help you.
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http://www.FinancialGroup.com Joe Bert (The Oracle of Orlando®) Discusses economic Impact of Super Bowl on Fox 35 Orlando. Joseph F. Bert, CFP®, AIF®, Founder of Certified Financial Group, Inc., has been in the financial planning profession since 1976. He is also President of Certified Advisory Corp. Joe is a Certified Financial PlannerTM practitioner and a member of the Financial Planning Association where he served as its President and Chairman. As a graduate of the Accredited Investment Fiduciary™ program, Joe is specially trained in investment fiduciary responsibility and portfolio management. He is an investment advisor representative of Certified Advisory Corp, a Registered Investment Advisor with the Securities and Exchange Commission, and has served as an adjunct faculty member for the College for Financial Planning headquartered in Denver, CO. In addition, Joe can be heard every Saturday on FM 96.5 WDBO at 9:00 a.m. hosting "On the Money". As an experienced and knowledgeable financial planning practitioner, he has affectionately been referred to as the -Oracle of Orlando®- by his weekly listeners and currently appears regularly on the FOX affiliate in Orlando, Fox 35 WOFL. In addition to hosting the nationally syndicated TV program, The American Investor, he has appeared on Hour Magazine with Gary Collins as well as regular appearances on the CBS affiliate in Tampa, Channel 13, and the ABC and NBC affiliates in Orlando, Channels 9 and 2. Joe's bi-weekly column has appeared in the Orlando Business Journal. He has been quoted in Orlando Magazine, the Orlando Business Journal, and The Wall Street Journal. He was bestowed the Papal Order of Knight of St. Gregory the Great by the Vatican in 2008 in recognition for his service to the Church and the community. Joe is married with three children and seven grandchildren. He has also been an active member in the Central Florida community since 1975. Joe's professional licenses include: Life and Health Insurance and Variable Annuities license with the State of Florida. Disclaimer: Fee-Based Planning and Asset Management through Certified Advisory Corp, an SEC-Registered Investment Advisory Firm. SEC registration does not constitute an endorsement of the firm. Certified Financial Planner Board of Standards Inc. owns the certification mark CFP®. This website is for informational purposes only and does not constitute a complete description of our services. This website is not a solicitation or offer to sell securities or investment advisory services. Visit the Company Website for Certified Financial Group, Inc http://www.financialgroup.com to review the following information: -States where are our various member firms are registered in to offer Securities. -Web Disclosures -Business Continuity Plan -Code of Ethics -Privacy Statement
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http://theretiringfarmer.ca/ - If you're in the process of planning your retirement, The Retiring Farmer can help you identify "What's Important to You," and help you work through all of the five processes related to your farming business. Whether you need to create a Business Plan, Retirement Plan, Investment Plan, Succession Plan, or Estate Plan The Retiring Farmer can help you every step of the way. The Retiring Farmer® is a registered trade-mark of Donavon Tofin. The trademark represents a wealth management process for coordinating multiple professional disciplines for retiring farmers. All entities listed here are considered independent, having no direct affiliation with one another. United Financial is a division of CI Private Counsel LP, a wholly owned subsidiary of CI Financial Corp. Any specific investment recommendations made by Donavon Tofin are made through Assante Financial Management Ltd., a registered mutual fund dealer and subsidiary of CI Financial Corp.Tax services are provided through TRF Group Chartered Accountants P.C. Inc. Wealth management services and coordination is provided by TRF Wealth Management Inc. This video was produced by Overtime Communications in association with The Retiring Farmer Group. www.otime.ca
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We are Certified Financial Planner™ professionals who provide comprehensive financial planning and investment management services on a fee-only basis. This video highlights our financial planning approach and how we can help you take control of your financial future. Donald H. Ramirez, CFP®, Helen Sipsas, MBA, CFP® Contact us toll free: 888-231-3262 or visit www.peakwealthinc.com for more information. "Financial Planning" "Investment Management" "Exit Planning" "Retirement Plans" "Financial Advisor" "San Luis Obispo" "Paso Robles" "Santa Maria" "Pasadena" "Los Angeles" "Certified Financial Planner" "fee-only" "CFP" "Los Angeles County, California" "Investment Fiduciary"
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If you or someone you know is turning 65, then it's time to think about Medicare. Millions of people pay too much for their Medicare coverage each year by paying in addition to their premiums or being subject to late enrollment penalties. Join nationally recognized speaker and Medicare expert, Dr. Katy Votava and Joe Anderson, CFP® for a webinar to learn the facts about Medicare. If you would like to schedule a free assessment with one of our CFP® professionals, click here: https://purefinancial.com/lp/free-assessment/ IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
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http://www.nationalcontractorlicenseagency.com Application processing for your contractor’s license involves much more than filling out forms. Our license professionals have over 50 years of experience in the industry and trades which we in turn educate you in, ensuring the end result matches your license goals. Whether you’re a sole proprietor or a national corporation NCLA’s services will save you time and money as well as accelerate achieving your license goals.
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This is my new logo sting (intro) for my new YouTube Channel. My name is Dale Payne and I am an independent Financial Advisor in Colorado Springs. I've worked in securities since 1986 and as a licensed insurance agent since 1990. Over my 28 years of experience, I've found that it takes both securities and insurance to make a plan work. My objective is to help you achieve your goal of financial freedom. I can help you with a complete Financial Plan, Insurance needs, Annuities and even How to Save Money at any income level. http://dp-financial.com/
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Joe Bert (The Oracle of Orlando®) Discusses ow to Afford to Live to 100 on Fox 35 Orlando Joseph F. Bert, CFP®, AIF®, Founder of Certified Financial Group, Inc., has been in the financial planning profession since 1976. He is also President of Certified Advisory Corp. Joe is a Certified Financial PlannerTM practitioner and a member of the Financial Planning Association where he served as its President and Chairman. As a graduate of the Accredited Investment Fiduciary™ program, Joe is specially trained in investment fiduciary responsibility and portfolio management. He is an investment advisor representative of Certified Advisory Corp, a Registered Investment Advisor with the Securities and Exchange Commission, and has served as an adjunct faculty member for the College for Financial Planning headquartered in Denver, CO. In addition, Joe can be heard every Saturday on FM 96.5 WDBO at 9:00 a.m. hosting "On the Money". As an experienced and knowledgeable financial planning practitioner, he has affectionately been referred to as the -Oracle of Orlando®- by his weekly listeners and currently appears regularly on the FOX affiliate in Orlando, Fox 35 WOFL. In addition to hosting the nationally syndicated TV program, The American Investor, he has appeared on Hour Magazine with Gary Collins as well as regular appearances on the CBS affiliate in Tampa, Channel 13, and the ABC and NBC affiliates in Orlando, Channels 9 and 2. Joe's bi-weekly column has appeared in the Orlando Business Journal. He has been quoted in Orlando Magazine, the Orlando Business Journal, and The Wall Street Journal. He was bestowed the Papal Order of Knight of St. Gregory the Great by the Vatican in 2008 in recognition for his service to the Church and the community. Joe is married with three children and seven grandchildren. He has also been an active member in the Central Florida community since 1975. Joe's professional licenses include: Life and Health Insurance and Variable Annuities license with the State of Florida. Disclaimer: Fee-Based Planning and Asset Management through Certified Advisory Corp, an SEC-Registered Investment Advisory Firm. SEC registration does not constitute an endorsement of the firm. Certified Financial Planner Board of Standards Inc. owns the certification mark CFP®. This website is for informational purposes only and does not constitute a complete description of our services. This website is not a solicitation or offer to sell securities or investment advisory services. Visit the Company Website for Certified Financial Group, Inc, www.financialgroup.com, to review the following information: -States where are our various member firms are registered in to offer Securities. -Web Disclosures -Business Continuity Plan -Code of Ethics -Privacy Statement
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OUR PICK OF THE WEEK: Joseph P. Byriel - Edward Jones is a top-rated financial advisor in Minneapolis, MN. This video showcases just a few of their great reviews from their own customers. *Real reviews from Yelp* For more info you can contact them at: 651-905-0606 1270 Northland Drive Suite 165 Mendota Heights, MN 55120
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http://www.retirementnewstoday.com Laurett Ellsworth Arenz is the founder of Heroes Talk Radio LLC and Freedom Financial Network where she and her husband Dave co-host a weekly National radio program. They have trained hundreds of financial professionals throughout America on the RAFT (Retirement Approach Free of Tax) Strategy and other risk-free options to help individuals build their Nest Egg. Laurett and Dave own HERO’S Strategies, Inc., a licensed insurance agency that serves over 2500 clients located in many States.
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Top 10 Best Insusrance Companies In The World 2018 Allianz SE Allianz SE is a European financial services company headquartered in Munich, Germany. Its core businesses are insurance and asset management. Japan Post Holdings Japan Post Holdings Co., Ltd. is a Japanese state-owned conglomerate headquartered in Kasumigaseki, Chiyoda, Tokyo. It is mainly engaged in postal and logistics business, financial window business, banking business and life insurance business. Assicurazioni Generali Generali Group is an Italian insurance company, the largest in Italy and third in the world. It has its headquarters in Trieste. In 2010, Assicurazioni Generali Group was the second largest insurance group in the world by revenue after AXA. Munich Re Munich Re Group or Munich Reinsurance Company is a reinsurance company based in Munich, Germany. It is one of the world’s leading reinsurers. ERGO, a Munich Re subsidiary, is the Group’s primary insurance arm. UnitedHealth Group UnitedHealth Group Inc. is an American for-profit managed health care company based in Minnetonka, Minnesota. It is 5th in the United States on the Fortune 500. UnitedHealth Group offers health care products and insurance services Prudential Life insurance company Prudential plc is a British multinational life insurance and financial services company headquartered in London, United Kingdom. It was founded in London in May 1848 to provide loans to professional and working people. Berkshire Hathaway Berkshire Hathaway Inc. is an American multinational conglomerate holding company headquartered in Omaha, Nebraska, United States China Life Insurance Company China Life Insurance Company Limited is a Beijing-based China-incorporated company that provides life insurance and annuity products. China Life is ranked No. 94 on Fortune 2015 Global 500 Company list. Zurich Insurance Group Zurich Insurance Group Ltd. is a Swiss insurance company, commonly known as Zurich, headquartered in Zürich, Switzerland. The company is Switzerland's largest insurer. AXA Insurance company AXA is a French multinational insurance firm headquartered in the 8th arrondissement of Paris that engages in global insurance, investment management, and other financial services.
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If you are in need of professional investment advice, look no further. At Hagen Financial Network, Inc., we help people pursue financial independence. Located in Eagan and serving the greater Twin Cities, we can help you address your most pressing money questions. Whether you’re facing retirement or looking to better understand certain investment ideas, our first priority is your overall financial success. We can help you with investment strategies in the near future as well as long term plans. Rely on us for large firm results with small firm personal attention. Call Hagen Financial Network, Inc. today or visit us online at hagenFN.com and let us help you invest! Securities offered through LPL Financial, Member FINRA/SIPC Visit our profile page to learn more! https://my.datasphere.com/node/7044644
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Attorney Peter Myers, a partner at Myers Urbatsch PC, a Bay Area estate planning law firm, and a certified specialist in estate planning, trust and probate law discusses "Business Succession Planning: Strategies for California Estate Planners and Business Attorneys," of which he is executive editor, with R. Tapp, CEB marketing communications specialist. The book is of use to estate planners, business attorneys, tax practitioners, valuation experts, financial planners, CPAs, insurance agents, and many other professional involved in business succession. Click below to learn more about the book: http://bit.ly/fw7xfM
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An overview of our Financial Adviser firm based here in Boise, Idaho. Learn more at: 208-343-2001 http://www.WoodFinancialGrp.com http://Facebook.com/WoodFinancialGroupRJFS We specialize in: Women Investors and Baby Boomers Planning for your upcoming retirement Making sure your NestEgg will last As a sixth generation Boisean, I tend to do things a little differently. We take a neighborhood approach to retirement planning. We don’t win golf tournaments, we disdain fancy charts and don’t use intimidating investment terms. We like to keep things simple, tend to listen more than we talk, emphasize communication and provide honest, straightforward answers. We think it is important to plan for your financial needs, invest long term and be mindful of investment fees. Securities offered through Raymond James Financial Services, Inc. member FINRA/SIPC 1101 W. River Street // Suite 170 // Boise, ID 83702 // P: 208.343.2001 // Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact our office for information and availability. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. © 2015 Raymond James Financial Services, Inc., member FINRA/SIPC |
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Joe Anderson, CFP® and “Big Al” Clopine share year-end tax planning strategies including how to decrease your taxable income, how to profit when the stock markets go down and other ways to get tax deductions when you file your tax return. Aired: 11-22-14 If you live in southern California and would like to schedule a free assessment with one of our CFP® professionals, click here: https://purefinancial.com/lp/free-assessment/ Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” Channels & show times: http://yourmoneyyourwealth.com http://purefinancial.com IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
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In addition to being registered over 15 years in the financial services industry, Michael is also a Certified Financial Planner™ and former compliance officer. His well-rounded approach includes investments, taxes, insurance, and estate planning. Michael's main objective is to help his clients meet all of their financial challenges. Although each area is important individually, he believes that managing them collectively is one of the most important considerations in overall financial success. His planning methods help his clients invest conservatively, reduce exposure to taxes, meet their insurance needs, and provide a plan to successfully transfer wealth to their children and grandchildren. Some of his specialized areas include: Estate Planning - Emphasizing the importance of protecting his clients' assets when transferring them to loved ones. Cash Flow Analysis - Everyday budgeting to meet short-term financial goals. College Planning - Long-term investing to ensure his clients' are ready for college when their children are. Corporate Bonds - Researching companies to provide the foundation for a portfolio. Portfolio Review - Evaluating current holdings and economic conditions to make any necessary changes or adjustments. Cash Management for Small Businesses - Developing strategies to increase the efficiency of small business owners' current cash flow. When Michael isn't at the office, he enjoys spending time with his wife and two children. On the weekends he likes to revitalize himself for the week ahead on the golf course, soccer field, or exploring the outdoors in his RV with his family.
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Ameriprise Financial, Inc. is a diversified US financial services company. Ameriprise Financial engages in business through its subsidiaries, providing financial planning, products and services, including wealth management, asset management, insurance, annuities and estate planning. Ameriprise Financial, Inc., the holding company, is incorporated in Delaware. The company's headquarters are in Minneapolis, Minnesota. James Cracchiolo is the chairman and chief executive officer. The company's primary subsidiaries include Ameriprise Financial Services, Inc., Columbia Management Investment Advisers, LLC, and RiverSource Life Insurance Company. Threadneedle Asset Management is Ameriprise Financial's international asset manager, and a provider of investments to institutional and retail clients. This video is targeted to blind users. Attribution: Article text available under CC-BY-SA Creative Commons image source in video
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You’ll discover… How you can easily offer business credit and loans for your customers without having to service the customers yourself and get paid to do so… and how your customers can receive concierge business credit and funding coaching while you get all of the credit for their success. How you can earn $2,000 or more per customer and earn thousands-of-dollars more in back-end commissions… all while helping your customers secure life changing amounts of credit and money for their business at the best terms available. How you can get access to large amounts of business credit, loans, and credit lines for your business as well as your customers… even if you are a startup business or have severely challenged personal credit yourself. How you can access a turnkey business-in-a-box with all of the tools you will need to successfully market and sell business credit… including marketing flyers, webinars and videos, email and social media marketing content, free reports and e-books, power points, sales scripts, websites, articles and press releases, and training How you and your clients can easily and quickly build an excellent business credit score in 60 days or less… and then immediately start using it to get the credit you want and need even from major sources like Target, Walmart, Staples, Lowes, Visa, MasterCard, and more. How your customers can obtain funding quickly even if they don’t buy anything from you first and even if they have credit challenges… helping you get them the money they need to buy your products and services with NO cost or obligation from them to get started. How you can prosper and be part of the business financing industry that’s currently EXPLODING with growth… and gain the ability to help others and make money without regulation headaches or other hurdles that are common with consumer industries How you can leave the webinar and be able to instantly own your own business credit and financing business getting money and credit for yourself while earning money helping your customers. There’s only one opportunity nationwide like this and you’ll find it right her at Credit Suite, and right here on this webinar. Get money and credit for your business, help others and feel rewarded watching their businesses grow, and learn how you can earn life-changing money with business credit and loans... on this live event. Check out this link to discover how you can make money offering business credit and financing services for your customers. http://www.creditsuite.com/businesscredit 08/14/15 by Ty Crandall, Credit Suite
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Join Faculty Director Ilya Strebulaev and past participants as they preview our new program to support senior finance executives face the expanded challenges of blending finance expertise, strategic thinking, and leadership skills. Experience the sunshine, the renowned faculty, innovative coursework, and beautiful classroom space to see why participants rave about Stanford GSB Executive Education programs.
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American Financial Resources, Inc. Our principal address is 9 Sylvan Way, Parsippany, NJ 07054; Alabama Consumer Credit Licensee # 21070; Alaska Mortgage Lender License #100233; Licensed Lender/Broker/Servicer #100073 by the Arkansas Securities Department; Licensed by the California Department of Corporations under the California Residential Mortgage Lending Act Lender 413-0714; d/b/a AFR Mortgage, Inc.; Connecticut Mortgage Lender 14124; d/b/a AFR Mortgage; Delaware Office of State Bank Commissioner, Licensed Lender, #7489; Department of Insurance Securities and Banking Bureau MLB-2826; Florida Mortgage Lender ML0700490; Georgia Annual Mortgage Lender License, No. 22646; State of Hawaii -Division of Financial Institutions - Mortgage Servicer License #003-10 ; Illinois Residential Mortgage Licensee, MB6760563, Office of Banks and Real Estate, Mortgage Banking Division, 310 S. Michigan Avenue, Suite 2130, Chicago, Illinois, 60604; Indiana Department of Financial Institutions First Lien Mortgage Lender 10848; Iowa Division of Banking MBK 2008-0118; Kansas Licensed Mortgage Company - MC.0025015; Kentucky Department of Financial Institutions Licensee MC23631; Louisiana Residential Mortgage Lender RML 2826; Maine Office of Consumer Credit Regulation Supervised Lender SLM11012; Maryland Mortgage Lender, 12455; Massachusetts Division of Banks, Mortgage Lender/Broker MC3739; Michigan First & Second Mortgage Lender, FL-016207; Minnesota Dept. of Commerce Residential Mortgage Originator #40071672 This is not an offer to enter into an interest rate lock-in under Minnesota law Licensed by the Mississippi Department of Banking and Consumer Finance - #552/2010 Missouri Residential Mortgage License 10-1805; Montana Division of Banking & Financial Institutions Mortgage Lender License 169; Nebraska Department of Banking & Finance License #2016; New Hampshire Licensed Mortgage Banker - 14628-MB; d/b/a AFR Home Loan Mortgage; Licensed Mortgage Banker, NJ Banking & Insurance, License #L061284; New Mexico Mortgage Loan Company, #03072; Licensed Mortgage Banker, New York State -LMBC 103873; North Carolina Mortgage Lender, L-134009; d/b/a AFR Mortgage; North Dakota Department of Financial Institutions-Money Broker License MB101925; d/b/a AFR Mortgage; Ohio Mortgage Broker Act Mortgage Banker Exemption - MBMB.850004.000; Oklahoma Brokers License MB001335; Oregon Mortgage Lender License No. ML-4801(dba Homecity Mortgage); Rhode Island Licensed Lender # 20102650LL; Pennsylvania Department of Banking - First Mortgage Banker 21033; South Carolina HUD Exemption; South Dakota Mortgage Lender License #4857; Tennessee Department of Financial Institutions - Mortgage Lender #3757; d/b/a AFR Mortgage; Texas Department of Savings and Mortgage Lending - Registered Mortgage Banker, #68688; Utah Department of Financial Institutions Residential 1st Mortgage Notification; Licensed by the Virginia State Corporation Commission, Lender MC-3282; Vermont Licensed Lender No. 6123 (d/b/a AFR Mortgage); Washington Department of Financial Institutions Consumer Loan Company License #520-CL-27918; d/b/a AFR Mortgage; West Virginia Lender Licensee # ML-30156; Wisconsin Department of Financial Institutions - Mortgage Banker Licensee 214874; Wyoming Department of Audit - Residential Mortgage Lender License MBL-1936; d/b/a AFR Mortgage; Nationwide Mortgage Licensing System (NMLS) - Company #2826; - created at http://animoto.com
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Understanding the Definition and Scope of the Duty to Consult and Accommodate Today and How It Impacts You Daniel Pagowski Legal Counsel‚ Department of Justice Aboriginal Law and Strategic Police Christopher Devlin Partner Devlin Gailus Barristers & Solicitors Sandra Gogal Partner Miller Thomson LLP How have recent case law developments shed light on the basic questions, such as: What is the scope of the duty to consult? When is the duty triggered? What is included in "contemplated Crown conduct"? How much of the duty can be delegated a) to municipalities? b) to proponents? How much of what proponents do, goes towards the discharge of the Crown's duty? How are Rio Tinto Alcan Inc. v. Carrier Sekani Tribal Council and Adams Lake Indian Band v. British Columbia being applied by lower courts? Clarifying the role of regulatory bodies with respect to the duty to consult Looking at how the B.C. Court of Appeal decision in West Moberly First Nations v. British Columbia (Chief Inspector of Mines) has further shaped the Crown's duty to consult with respect to past impacts and cumulative effects, and the issue of Crown accommodation Understanding how the recent trend towards complex partnership agreements is affecting accommodation by the Crown There have been developments since last year to the "definition and scope" of the duty to consult. Ensure you get all the crucial updates at The Canadian Institute's 7th Annual Forum on Aboriginal Law, Consultation & Accommodation on February 20-21, 2013 View the list of speakers, program agenda and register at www.CanadianInstitute.com/AboriginalLaw
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Investment analyst R.D. Kern discusses changes in the airline industry — both in the air and on the balance sheets. Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing. Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. Statements attributed to an individual represent the opinions of that individual as of the date published and do not necessarily reflect the opinions of Capital Group or its affiliates. This information is intended to highlight issues and not to be comprehensive or to provide advice. Securities offered through American Funds Distributors, Inc.
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Larry Levine of A and N Mortgage and Michael Abraham, CEO of First Financial Credit Union discuss credit union benefits. Did you know that a credit union is a not-for-profit organization who returns that benefit to the members in the form of lower rates and fees on whatever financial product you may need? Watch to learn more. http://firstfcu.org http://anmtg.com THIS IS AN ADVERTISEMENT. This is not a commitment to lend. A and N Mortgage Services, Inc. is an Illinois Residential Mortgage Licensee and Equal Housing Lender. 1945 N Elston Ave. Chicago, IL 60642 p:773.305.LOAN (5626) www.amtg.com NMLS #19291 IL MB.0006638. Serving IL, IA, IN, FL, MA, MI, MN, TX, WI
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http://www.btproperties.com - We specialize in full-service professional management services for 20-500 Unit Apartment Buildings in Silicon Valley. Our services include: Tenant Selection Services We solicit, interview and help clients to select quality tenants from a vast and reliable network of corporate and residential sources throughout the Bay Area. Professional Staff We offer a qualified and well-trained staff of property managers. We ensure that they have the appropriate credentials, continuing education and utilize the most up-to-date management techniques. Our clients will always have one property manager assigned as the primary contact for all of their properties. This allows for us to learn in-depth knowledge about each property that we manage, as well as develop a relationship with the tenant base that lives in the units. Data Management We are a detailed-oriented firm with a series of computer-driven processes to help manage your property. We use YARDI software, which offers double entry accounting, and the most popular property management software on the market. Custom software designed specifically to make easy-to-read monthly statements; and accountant friendly year-end financial statements. Marketing Services We have access to all of the Bay Area's top advertising media in order to help our clients minimize vacancies. Additionally, we offer a free service to our clients- one of the leading Bay Area Rental Internet Web Sites, designed to help quickly locate quality tenants. We have a staff person dedicated to Social Media and Internet Presence and constantly strive to update our approach to adapt to new trends and technological changes in our industry. Team Approach We work as a "team" with our clients to keep them well informed regarding their investment properties. We supplement our regular monthly reports with additional information and meetings as necessary to ensure that our clients are completely satisfied and comfortable with our management of their investment. Comprehensive Service Plan We will develop a custom management plan that best serves the client's needs. For example, if you would like us to do the accounting, rent collection, and no on-site management of repairs, gardening, maintenance, etc., we can build such a plan for you. Our fees shown, however, are for full-service, such that the client need only to instruct us as to where they would like their income proceeds delivered, wired, or transferred each month.
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http://www.medallionfin.com | Online video marketing is essential for financial advisors looking to grow their brand and business. Is your IMO or FMO helping you with this service? Did you know that YouTube is the second most used search engine on the web? The iMedallionMedia team at Medallion Financial Distributors are the experts in helping advisors gain an online presence through online video marketing. Concerned about cost? Our most loyal advisors receive video marketing as a complimentary service. If you would like to align yourself with Medallion Financial Distributors or would like more info on video marketing for financial advisors, call (800) 727-9258 or email email@example.com
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The Parkinson's Institute and Clinical Center presented a series of speakers on the subject of Navigating the Legal and Financial Maze of Parkinson's Disease Care in 2012 http://longtermcarebooks.com/ What you need to know about Long Term Care Insurance. William Upson, the first speaker, refers to his book: Long-Term Care Insurance: Alternatives and Solutions by How catastrophic medical bills can wipe out your retirement -- and what to do about it right now! About the book: This book is designed to educate you about what to do before you become ill, or when you become seriously ill or disabled, what you should do. We urge you to consider how you will meet long-term care needs for yourself and your family. We have tried to provide you with as many options as possible on how to prepare for this potential crisis. Our goal is to see people preserve their assets while maintaining their freedom to choose the type of care that best meets their needs. This book explains what long-term care is and who may need it. It provides checklists to determine your individual needs. It provides guidelines on choosing a professional who can help you design a plan that will preserve the physical, emotional, and financial well being of you and your family. Please take the time to educate yourself and your family about long-term care. It may affect you when you least expect it. It could mean the difference between financial and emotional security or winding up in a government-mandated facility far from home and family. Scary? Yes! Only you can decide to plan for a secure future, but do it now. http://longtermcarebooks.com/ (800) 765-0561 About the William Upson, CLU, ChFC WILLIAM M. UPSON -- Strategic Asset Management Group, (925) 942-9400, 1990 N. California Blvd 9th Floor, Walnut Creek, CA Bill Upson is a Financial Advisor, and separately a Registered Representative of Royal Alliance, offering securities through Royal Alliance Associates, Inc., possessing Series 7, 24, 65 and Insurance Licenses. He is a member of the Million Dollar Round Table and has provided insurance and investment solutions since 1982. Bill founded Strategic Asset Management Group in 1986. His business focus is in the areas of income and estate tax planning for high net worth individuals, successful professionals, business owners, and retirees. In dealing with his clients, he seeks to reduce their individual and corporate income taxes, as well as their estate taxes. This focus increases net worth, reduces personal tax liability, and increases income on a tax-favored or tax-free basis. Bill graduated from the University of Connecticut and completed courses at New York University. He is a Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU). He conducts seminars regarding income and estate tax reduction techniques, charitable gifting and trust planning, tax planning for corporations, and solutions for long-term care and Medicare insurance needs.
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http://www.blpcpa.com At the Bryan L. Parker CPA firm we work hard every day to stay on top of changing tax laws and regulations, new tax reduction planning strategies, and enhanced technologies that can benefit our clients and make taxes, accounting, payroll, and bookkeeping just a little less painful for you. And it’s gratifying when one of our clients goes online tells others about their experience. Here’s one of our recent 5-star reviews that we’d like to share with you. If you’re needing a Certified Public Accountant in the Hoover area and would like to experience this same level of professional service and personal attention we invite you to consider the accounting firm of Bryan L. Parker, CPA. We’d love to sit down with you and see if our services and our firm might be a match for your personal or business accounting needs. Just call the number here on the screen to set up this confidential meeting. Our goal at Bryan Parker CPA is to help small to medium sized business with their accounting, payroll, and tax needs. We have built a firm that provides quality accounting services coupled with a high level of client support, for a reasonable price. At many other firms if you pick up the phone and spend time on the line with your accountant, you can expect to be receiving a bill for their time promptly, a few days later. And that’s if you can even get your accountant on the phone. Since 2003, Bryan L Parker CPA has been providing quality, personalized financial guidance to local individuals and businesses. Our expertise ranges from basic tax management and accounting services to more in-depth services such as audits, financial statements, and financial planning. Bryan L Parker CPA is the largest accounting firm in the city of Pelham, AL. Our dedicated staff combine their years of experience to assure that every client receives the close analysis and attention they deserve. Our dedication to high standards, hiring of seasoned tax professionals, and work ethic is the reason our client base returns year after year. Thanks so much for visiting with us today.
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We are passionate and dedicated to being your one stop shop for all your Financial Needs. Through our FES-Premium Protection Plan Membership, we've bundled the BEST OF THE BEST to provide you and your family with an all-inclusive membership that protects your Identity, Credit, Family, Finances, Lifestyle, and Future!! HOW YOU ASK... Our software system and experienced staff enables us to provide the most efficient� credit education services in the industry.� • We have an exceptional rating with the Better Business Bureau (BBB).� • Our expert staff of local Agent/ Consultants have several years experience in credit education and financial services.� Our regional office is located in Roseville, Minnesota. • Our Corporate Office is located in Farmington Hills, Michigan, along with our� processing center, customer service and agent support departments.� • Contact us at (248) 848-9065, option 1 for customer service or option 2 for agent� support.� SERVICE FEATURES:� • Online customer progress reports available for viewing 24/7, 365 days a year.� • Customer service call center is available to answer any questions Monday-Friday� from 9:00AM - 5:00PM, EST.� • Service for UCES 12-Months Credit Empowerment Program, includes five challenge cycles, initial credit reports and credit scores, and� regular updates on the progress of the customer’s disputes. Why Use A Professional Service...? Just as many Americans choose to go to a tax professional to have their taxes done to ensure they receive the maximum refund available, the same can be said about credit restoration. Anyone can choose to do their own credit restoration, if they have the time, patience, and resources to work aggressively with the CRAs to remove inaccuracies; however, many choose UCES/ FES. We have the knowledge, experience and most effective approach to credit restoration in the industry. UCES/ FES is proud to offer our time proven strategies, including the industry's first proactive and interactive customer service. You pay one price and will enjoy the peace-of-mind knowing that a professional company is backing you.
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Did you have funds stolen by a Raymond James financial advisor? If so, those stolen or converted funds can be recovered on a contingency fee basis. Raymond James, like all brokerage firms has an ironclad obligation to reasonably supervise the activities of their brokers and their life insurance agents. If they do not do so, then any stolen or converted funds can be recovered. Often in these types of cases there are red flags that something might be amiss. If they aren’t followed up upon then the brokerage firm can be successfully sued. If you had funds stolen by a Raymond James broker or life insurance agent, please call our securities arbitration law firm in Chicago at 312-332-4200.
Просмотров: 204 Andrew Stoltmann
Securities and investment advisory services offered through SagePoint Financial, Inc. Member FINRA/SIPC and a registered investment advisor. Insurance and tax services offered through David N. Adams, Inc. David N. Adams, Inc. is not affiliated with SagePoint Financial, Inc. or registered as a broker-dealer or investment advisor. "Content provided by eMoney".
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Jeremy Reif www.pointwealthmanagement.com Investment Advisory Services offered through Retirement Wealth Advisors, (RWA) a Registered Investment Advisor. Point Wealth Management and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Point Wealth Management and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors. Securities offered through TCM Securities, Inc. Members FINRA - SIPC. Investment Advisory services offered through Retirement Wealth Advisors, a registered investment advisor. Point Wealth Management, RWA and TCM Securities are not affiliated. The people/companies listed above are not Tax professionals or attorneys. Material discussed is meant for general/informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice. Annuities are generally considered long term investments. They are intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed indexed annuity is not a registered security or stock market investment and does not participate directly in any stock or equity investment or index. Annuities are not deposits of or guaranteed by any bank and are not insured by the FDIC or any other agency of the US. All guarantees are solely backed by the financial strength and claims paying ability of the issuing insurance company. Insurance products, including annuities, are offered through (Jeremy Reif), a licensed insurance agent in the state(s) of (WI, MN, MI, OH, IL, IA, NE, KY, CA, VA, GA, NY, PA, AZ, AK, WV, TN, OR, NJ, NC, WA, TX, KS, CO, CT, IN, LA, MD, MO, MS, NV, UT, MA, FL, PA, AL, SC).
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Second Chance Auto Financing at https://www.rapidcarloans.net/index.php#FreeQuote : A bad credit rating need not ruin your financial life always. It does not stop you from owning a car of your choice. There are second chance auto loans available which will help you to fulfill your dreams. This will help you to secure the car and once you decide your requirements, you will be in a better position to choose the car that you always wanted. There are several auto lenders those who adapt their business models to meet the requirements of people. Every lender has started offering several kinds of auto loans that will solve the financial needs of people those who want to own a car irrespective of their bad credit rating. You need not worry if your loan application was rejected initially. There are certain factors to be considered while applying for second chance auto loans through sub prime lenders. The first and foremost thing is not to go overboard. Do not attempt to buy a car that is out of your reach. This could place a financial burden in the long run. This explains the importance of getting loans that can be easily repaid. Make sure to get affordable monthly payments. This will allow you to spend for other family expenditures and safeguard your financial interests. Second chance car loans are one of the best options as long as the perfect lender is found. It is important to find a lender those who can show great interest in customer's requirements and not just working for money. This process should really help the borrower to come out of the debt problem and in overcoming other financial burden. Business is their ultimate motto but of course there are other things to be considered by every lender. Another important tip is to consult with other family members or friend regarding your decision. Most of the lenders will take their time in approving this kind of loan. Make sure you have all the financial documents when you go to the lender. Credit history plays a vital role here. If you think you do not have a decent credit score, it is better not to apply for such loans. This will have a negative impact in the long run. It is always advised to opt for things which are within the reach. It is important to understand that your application might get rejected if the car is too expensive for your current financial budget. This might damage your credit further if you go ahead and buy it. It is important to come up with a firm financial plan regarding the car loan repayment before you apply for the loan. Aspects like insurance, road tax, and other charges should be considered while buying. When you have a firm plan to meet all these expenses, you can go ahead and apply for a second chance auto loan. The company provides guaranteed approval on subprime auto loans in all the states : California, New York, New Jersey, Illinois, Texas, Pennsylvania, Arizona, Michigan, Indiana, Florida, Massachusetts, Ohio, Tennessee, Maryland, North Carolina, Wisconsin, Colorado, Washington, Missouri, Oklahoma, Oregon, Rhode Island, Nevada, Alabama, Alaska, Arkansas, Connecticut, Delaware, Georgia, Hawaii, Idaho, Iowa, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Montana, Nebraska, New Hampshire, New Mexico, North Dakota, South Carolina, South Dakota, Utah, Vermont, Virginia, West Virginia & Wyoming. The company provides instant approval process in cities : Seattle, San Antonio, Cincinnati, Chicago, Memphis, Dallas, San Diego, Milwaukee, Detroit, Baltimore, Charlotte, Phoenix, Fort Worth, Atlanta, Brooklyn, Nashville, Colorado Springs, San Jose, Denver, Omaha, Bronx, Oakland, Kenosha, Aurora, Nashua, Vancouver, Norwalk, Colonia, Staten Island, Kapolei, McMinnville, Elizabeth, New Orleans, Indianapolis, Jacksonville, Tacoma, Philadelphia, Houston, Kansas City, Killeen, Chula Vista, Oklahoma City, Tampa, Virginia Beach, Pittsburgh, Oakland, Wichita, Newark, Kent, Portland and many other cities of the United States.
by Boris Abbey, PhD, JD, MBA and Lewis Hershey, PhD, MA The Achieving a Better Life Experience (ABLE) Act of 2015 establishes 529A plans which provide special needs individuals with a new option to plan for their financial needs. In the past, advisors would use first- and third-party special needs trusts (SNTs) for the financial planning needs of those with disabilities. Although the resources under the ABLE Act are important, this article suggests that the ABLE Act is not a replacement for traditional SNTs and could inadvertently create unintended situations where lower net worth individuals are subject to a regressive “death tax” that provides less, rather than more, assets for the benefit of the intended beneficiary.
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John Bell of Department of Veterans Affairs addresses the question if veterans and active duty service members can have more than one VA loan at a time. Quicken Loans is an Equal Housing Lender. Quicken Loans Inc. is a licensed mortgage lender in all 50 states. Arizona: Quicken Loans Inc., 16425 North Pima, Suite 200, Scottsdale, AZ 85260, Mortgage Banker License #BK-0902939; Arkansas: Quicken Loans Inc., 1050 Woodward Avenue, Detroit MI 48226-1906, (888) 474-0404; California: Licensed by Department of Corporations, CA Residential Mortgage Lending Act; Colorado: Quicken Loans Inc., NMLS #3030, (888) 474-0404, Regulated by the Division of Real Estate; Georgia: Residential Mortgage Licensee (#11704) -- 1050 Woodward Avenue, Detroit MI 48226-1906; Illinois: Residential Mortgage Licensee #4127 -- Department of Financial and Professional Regulation, 1050 Woodward Avenue, Detroit, MI 48226-1906; Maine: Quicken Loans Inc., Supervised Lender License NMLS #3030; Massachusetts: Quicken Loans Inc., Mortgage Lender License #ML-3030; Minnesota: not an offer for a rate lock agreement; Mississippi: Licensed by the Mississippi Department of Banking and Consumer Finance; New Hampshire: Licensed by the NH Banking Department, #6743MB; New Jersey: Licensed Mortgage Banker -- NJ Department of Banking, first (and/or second) mortgages only; New York: Licensed Mortgage Banker -- NYS Banking Department; Oregon: Quicken Loans Inc. -- License # ML-1387; Pennsylvania: Licensed as a first Mortgage Banker by the Department of Banking and licensed pursuant to the Pennsylvania Secondary Mortgage Loan Act; Rhode Island: Licensed Lender; Texas: Quicken Loans Inc., 1050 Woodward Ave, Detroit, MI 48226; Virginia: Quicken Loans Inc., NMLS ID #3030 (www.nmlsconsumeraccess.org). Washington -- Consumer Loan Company License CL-3030. Quicken Loans Nationwide Mortgage Licensing System #3030. © 2013 Quicken Loans Inc., All rights reserved. Lending services provided by Quicken Loans Inc., a subsidiary of Rock Holdings Inc. "Quicken Loans" is a registered service mark of Intuit Inc., used under license.
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Source: http://www.spreaker.com/user/6873015/lets-get-our-finances-in-order Free Yourself From A Financial Fiasco: Learn How To Manage Your Money! Meet our guests: Michele Chambers, she has worked in Finance in professional sports for over 24 years. Her passion is educating young women and couples in creating sustainable long-term financial planning and money management. James William Owens is a Registered Representative at PFS Investments Inc. He strongly believes in learning & teaching about entrepreneurship, business ownership, how money works, and growing your assets to stay ahead in today's economy. If you want to learn more about our guests please visit our website at: http://letsstaytogethershow.webs.com
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Hi, my name is Steve Chandler. I'm with Quicken Loans and I'd like to take a few minutes of your time today to explain the reasons why we might be requesting your divorce decree as one of the required documents in order to close on your loan. Here it is basically, in a nut shell -- we certainly understand that there's a lot of sensitive information contained in a divorce decree and we're certainly not asking for it just to spy on your or look into your personal business, but there's really some important information in there that helps us to better understand the entire profile of the loan. One of the main things (and really there's two components of this) is that first of all, often times in a divorce there's a marital home that was involved in the divorce. When the ex-spouse leaves that home they're usually entitled to a certain amount of equity in the home (moneys owed to them). And what we do if that's the case is we basically need to review the divorce decree so we can take a look and find out how much is owed. If we can't see it directly we usually send out a document for the ex-spouse to sign and also agree to what the payoff might be. The other reason is that there could be alimony or child support payments that you could be responsible for. We need to know that. It's just basically so that we have a complete picture of your loan and complete picture of how much money you have going out in terms of liabilities. So those are the two main reasons why we need your divorce decree. In the event you are asked for that document, understand that we're doing it for your best interest. Thank you very much. I'm Steve Chandler, this is Quicken Loans -- have a great day! Quicken Loans is an Equal Housing Lender. Quicken Loans Inc. is a licensed mortgage lender in all 50 states. Arizona: Quicken Loans Inc., 16425 North Pima, Suite 200, Scottsdale, AZ 85260, Mortgage Banker License #BK-0902939; Arkansas: Quicken Loans Inc., 1050 Woodward Avenue, Detroit MI 48226-1906, (888) 474-0404; California: Licensed by Department of Corporations, CA Residential Mortgage Lending Act; Colorado: Quicken Loans Inc., NMLS #3030, (888) 474-0404, Regulated by the Division of Real Estate; Georgia: Residential Mortgage Licensee (#11704) -- 1050 Woodward Avenue, Detroit MI 48226-1906; Illinois: Residential Mortgage Licensee #4127 -- Department of Financial and Professional Regulation, 1050 Woodward Avenue, Detroit, MI 48226-1906; Maine: Quicken Loans Inc., Supervised Lender License NMLS #3030; Massachusetts: Quicken Loans Inc., Mortgage Lender License #ML-3030; Minnesota: not an offer for a rate lock agreement; Mississippi: Licensed by the Mississippi Department of Banking and Consumer Finance; New Hampshire: Licensed by the NH Banking Department, #6743MB; New Jersey: Licensed Mortgage Banker -- NJ Department of Banking, first (and/or second) mortgages only; New York: Licensed Mortgage Banker -- NYS Banking Department; Oregon: Quicken Loans Inc. -- License # ML-1387; Pennsylvania: Licensed as a first Mortgage Banker by the Department of Banking and licensed pursuant to the Pennsylvania Secondary Mortgage Loan Act; Rhode Island: Licensed Lender; Texas: Quicken Loans Inc., 1050 Woodward Ave, Detroit, MI 48226; Virginia: Quicken Loans Inc., NMLS ID #3030 (www.nmlsconsumeraccess.org). Washington -- Consumer Loan Company License CL-3030. Quicken Loans Nationwide Mortgage Licensing System #3030. © 2013 Quicken Loans Inc., All rights reserved. Lending services provided by Quicken Loans Inc., a subsidiary of Rock Holdings Inc. "Quicken Loans" is a registered service mark of Intuit Inc., used under license.
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Montgomery College graduated its largest ever class of students in a ceremony held on Friday, May 20, 2011, in Rockville, Maryland. Of the nearly 3,000 students who completed graduation requirements for associate's degrees, apprenticeships or certificates, more than 840 students participated in the morning ceremony. The Montgomery College class of 2011 is diverse in age and experience. Most graduates attended Montgomery County Public Schools, but many others attended high school elsewhere in the United States or in another country. Some took alternative paths to college through homeschooling or by earning their General Equivalency Diplomas (GED). The oldest graduate is 68 years old and the youngest is just 15 years old. While many students take two years to complete their associate's degree, three graduates first took Montgomery College classes in 1972 and 181 started prior to the start of the 21st century. The 3,022 Montgomery College students applying for graduation in 2011 came from 128 other countries including 90 from Cameroon and 56 from South Korea. The commencement ceremony featured speeches by four graduating students who were selected as Board of Trustees Scholars, representing each of the College's three campuses and Workforce Development and Continuing Education. This year's scholars were: Myshelle Robinson A Takoma Park/Silver Spring Campus student and a member of Phi Theta Kappa, Myshelle is graduating with a 4.0 grade point average. Upon graduation, Robinson will attend Pace University in New York City, where she will major in sociology. Steven Duggan An employee of Mallick Mechanical Contractors, Steve completed a four-year apprenticeship program as an HVAC/R technician. He is graduating with a 4.0 grade point average in his apprenticeship with the Air Conditioning Contractors of America, National Capital Chapter (ACCA/NCC) program. Janet Burke A Germantown Campus student and member of Phi Theta Kappa, Janet is graduating with a 4.0 grade point average. Upon graduation, she will attend Smith College to pursue a bachelor's degree in biological sciences and environmental studies. Whitley Dowling An art major and a member of Phi Theta Kappa, Whitley is graduating with a 4.0 grade point average. She works as a production assistant at Photo Communications, Inc., and plans to continue working after graduation while she launches an online store to sell original artwork. Montgomery College awarded honorary degrees to J. Henry Montes, George Dang and Rebecca (Becky) Wagner. Dr. Loh also received an honorary degree as the commencement speaker. Dang, president of Acacia Financial Advisors, LLC, has been an executive in the financial services industry for more than 25 years. He serves on the boards of the Montgomery College Foundation and the Universities of Shady Grove. The second honorary degree recipient, J. Henry Montes, possesses more than 35 years of experience in the field of public health. As a volunteer, he co-chairs the Montgomery County Executive's Latin American Advisory Group. Wagner, the third honorary degree recipient, is the executive director of Advocates for Children and Youth (ACY) in Baltimore. Prior to this position, she led Interfaith Works in Rockville for 12 years. The Montgomery College commencement ceremony will be available in its entirety on YouTube at: http://www.youtube.com/montgomerycollege. For more information about commencement, visit: http://www.montgomerycollege.edu/commencement. # # # Montgomery College is a public, open admissions community college with campuses in Germantown, Rockville, and Takoma Park/Silver Spring, plus workforce development/continuing education centers and off-site programs throughout Montgomery County, Md. The College serves nearly 60,000 students a year, through both credit and noncredit programs, in more than 130 areas of study. Elgar - Pomp and Circumstance March No.1 (The Graduation March) licensed by http://www.RoyaltyFreeClassicalMusic.co.uk
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Wealth Management International, Ltd. welcomes a new member to its team of Wealth Advisors, Thomas J. Pietrack, CFP. Wealth Management International, Ltd. (WMI), is a Registered Investment Advisor. Tax planning and preparation are offered through Strategic Tax Planning LLC (STP). Insurance and risk management services are offered through Family Legacy Planning LLC (FLP). WMI , STP and FLP are separate companies, but affiliated by ownership and control. WMI is located at 23131 N. Lake Pleasant Parkway, Peoria, AZ 85383. Contact us by phone at 623.875.5204 or toll-free 1.888.91.ASSET, or by email at firstname.lastname@example.org.
Просмотров: 302 Rich Groff
Referenced Link "Lets Talk In the Event of An Accident" https://www.youtube.com/watch?v=o3iKxs0PNAw&t=35s RECAP - 1) Claim Assignment - When we receive your claim, it will be assigned to a claims professional. Depending on the complexity of your claim, you may work with a team of claims representatives, each of whom has experience handling a particular aspect of your claim. 2) Initial Contact - A claims professional will contact you to: Gather facts surrounding your loss, Review your coverage, Explain how your claim will be handled,Schedule an in-person appointment if one is needed, Identify ways to protect your property from further damage. 3) Estimate and Evaluation - Your claims professional will then: Determine whether the loss is covered, Inspect and document damage, Interview witnesses or other involved individuals, Take photos and samples (if needed), Evaluate your claim 4) Resolution - We’ll work with you to resolve your claim fairly either by: Paying what you’re owed, Or explaining why there would be no payment on your claim 5 Close the Claim - Once we’ve resolved your claim under the terms of your policy, we close the claim. If you discover additional expenses, we will re-open your claim to investigate. ***************************************************************** Advertisement produced for these specific insurers and to obtain business for insurance underwritten by Farmers Ins. Exchange, Fire Ins. Exchange, Truck Ins. Exchange, Mid-Century Ins. Co., Civic Property & Casualty Co., Exact Property & Casualty Co , Neighborhood Property & Casualty Co., & affiliates, home office LA, CA. Each insurer has sole financial responsibility for its own insurance. List of all insurers at farmers.com. Not all insurers are authorized in all states. Not all products, coverages, & discounts are available in every state. Restrictions, exclusions, limits, and conditions apply. See agent for details. 1life insurance, annuities and accidental death insurance issued by Farmers New World Life Insurance Company, 3003 77th Ave. SE, Mercer Island, WA 98040. 11Farmers and "Farmers Insurance Group" are registered trademarks of Farmers Group, Inc., 6301 Owensmouth Ave .• Woodland Hills, CA 91367. Insurance provided by a member of the Foremost Insurance Group, including Foremost Insurance Company Grand Rapids, Michigan and Foremost Property and Casualty, Insurance Company, part of the Farmers Insurance Group®. sased on average nationwide annual savings of new customers from 1/1/16 to 12/31/16 who switched their auto and home insurance policies (including an additional expected savings of 5% in the Smart Plan Home® product) to Farmers Insurance, reported their prior insurance premiums and realized a savings. Savings may vary by state and product. "May not be applicable in all states and may vary by product. See your agent for further details. Securities are offered by Farmers Insurance agents registered with Farmers Financial Solutions, LLC (In NY Farmers Financial Solutions and Insurance Agency}, 30801 Agoura Rd. Bldg. 1, Agoura Hills, CA 91301, member FINRA& SIPC
Просмотров: 51 Gearard LeFore
Century 21 The Harrelson Group http://www.c21theharrelsongroup.com/greg-harrelson/ Myrtle Beach Area Real Estate Phone: (843) 903-3550 EASY EXIT LISTING AGREEMENT - Ask about my ''Exclusive Easy Exit Listing Agreement'' where you have the right to terminate our listing agreement in the event you change your mind or just want to get rid of me. I am confident that you will appreciate how I market properties and how we communicate with you throughout the process. I have been personally selling real estate in the Myrtle Beach area as well as the entire Grand Strand since 2004. I first started selling real estate coming out of college and have made it my full time career from day one. My strengths in business are communication, follow up and my extensive knowledge of the area as well as the real estate business in general. I typically help around 200 families buy or sell real estate each year with many years helping over 300 families. My goal is to start off as your agent yet become your ''Realtor For Life'' moving forward. I have an aggressive marketing plan to help those looking to sell as well as in-depth market knowledge to offer those thinking of buying in our market. My goal is to empower my clients with the information necessary to make sound financial decisions while being sensitive to the experience one is looking for in real estate ownership
Просмотров: 2899 C21 The Harrelson Group Inc
Watch as Rock Ventures Chairman Dan Gilbert and Chrysler Group CEO Sergio Marchionne announce that for the first time in Chrysler's history, it will move 70 employees to downtown Detroit's historic Dime Building. Chrysler Group will rename the building Chrysler House. The event opens with a special performance by the Selected of God Choir, known best for its appearance in Chrysler's Super Bowl ad featuring Eminem. Visit the Quicken Loans Press room here: http://www.quickenloans.com/press-room/contact-us Quicken Loans is an Equal Housing Lender. Quicken Loans Inc. is a licensed mortgage lender in all 50 states. Arizona: Quicken Loans Inc., 16425 North Pima, Suite 200, Scottsdale, AZ 85260, Mortgage Banker License #BK-0902939; Arkansas: Quicken Loans Inc., 1050 Woodward Avenue, Detroit MI 48226-1906, (888) 474-0404; California: Licensed by Department of Corporations, CA Residential Mortgage Lending Act; Colorado: Quicken Loans Inc., NMLS #3030, (888) 474-0404, Regulated by the Division of Real Estate; Georgia: Residential Mortgage Licensee (#11704) -- 1050 Woodward Avenue, Detroit MI 48226-1906; Illinois: Residential Mortgage Licensee #4127 -- Department of Financial and Professional Regulation, 1050 Woodward Avenue, Detroit, MI 48226-1906; Maine: Quicken Loans Inc., Supervised Lender License NMLS #3030; Massachusetts: Quicken Loans Inc., Mortgage Lender License #ML-3030; Minnesota: not an offer for a rate lock agreement; Mississippi: Licensed by the Mississippi Department of Banking and Consumer Finance; New Hampshire: Licensed by the NH Banking Department, #6743MB; New Jersey: Licensed Mortgage Banker -- NJ Department of Banking, first (and/or second) mortgages only; New York: Licensed Mortgage Banker -- NYS Banking Department; Oregon: Quicken Loans Inc. -- License # ML-1387; Pennsylvania: Licensed as a first Mortgage Banker by the Department of Banking and licensed pursuant to the Pennsylvania Secondary Mortgage Loan Act; Rhode Island: Licensed Lender; Texas: Quicken Loans Inc., 1050 Woodward Ave, Detroit, MI 48226; Virginia: Quicken Loans Inc., NMLS ID #3030 (www.nmlsconsumeraccess.org). Washington -- Consumer Loan Company License CL-3030. Quicken Loans Nationwide Mortgage Licensing System #3030. © 2013 Quicken Loans Inc., All rights reserved. Lending services provided by Quicken Loans Inc., a subsidiary of Rock Holdings Inc. "Quicken Loans" is a registered service mark of Intuit Inc., used under license.
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Jennifer Jurek, CFP, CDFA, Sgroi Financial, LLC, 716-674-6700, email@example.com Branch Office of Cadaret, Grant & Company, Inc. Member FINRA/SIPC. Sgroi Financial & Cadaret, Grant are separate entities.
Просмотров: 196 Sgroi Financial, LLC