Do you have a customer satisfaction or refund policy?
Yes. Either party may terminate the relationship in writing.
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Why should I choose you as my financial advisor?
Armand has a degree in Economics from Eckerd college and a Master of Science degree in Personal Financial Planning. He currently holds the following professional designations & licenses:
CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Accredited Investment Fiduciary (AIF), Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Other - ChFEBC, AWMA, CRPC, CMFC, & MPAS. Finra 7, 66 & Florida Life, Health & Variable Annuities 2-15.
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What are your qualifications? What is your education background?
He applies his investment and wealth planning experience to provide comprehensive solutions for business owners, families and individuals. He believes in a systematic approach to money management and having a detailed process that is based on the foundation of intellectual rigor and discipline.
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How do you charge for your services?
Investment Planning & Advice, Retirement Planning, College Planning, Tax Planning and Comprehensive Financial Planning.
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How are you compensated? How will I pay for your services?
Armand can be compensated by a Flat Fee for Financial Advice, Commission or a Fee on assets under management. He prefers to give each client the choice to select the method of compensation that is most suitable for their situation.
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If you are going to manage my account, will you obtain my permission every time you buy or sell something?
No. Armand's partner, Rob (also a CERTIFIED FINANCIAL PLANNER), plays a critical role in the financial planning process. Depending on the complexity of your situation, they may work with other professionals who have particular areas of focus such as Tax & Estate Planning Attorneys.
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How many clients do you currently manage?
Approximately 300 households currently.
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Will you be the only person working with me?
He prefers to have discretion on client accounts. If this is not something you are comfortable with please notify him and he will be sure to manage your account based on your specific instructions.
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Do you offer any guaranteed results?
Any comments regarding safe and secure investments and guaranteed lifetime income benefits refer to fixed insurance products. Insurance and annuity product guarantees are subject to the claims-paying ability of the issuing company. When investing in securities, past performance is not a guarantee of future results.
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How much risk should I be willing to take?
He follows a disciplined process to determine each clients specific risk tolerance. Your assets will be invested based on the agreed upon level of risk that is determined.
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Have you ever been charged with any breaches?
No.
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What are your management fees?
1% of assets under management.
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What kind of plans do you specialize in?
Armand works with all Qualified Retirement Plans.
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Do you have a minimum requirement for number of employees or total investment value?
No.
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What type of plans do you offer?
As an independent financial advisor & an investment advisor Armand is able to offer the most suitable plan for your needs.
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Do you offer any additional services?
Investment Planning & Advice, Retirement Planning, College Planning, Tax Planning and Comprehensive Financial Planning.
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What services do you provide? What are your specialties?
Investment Planning & Advice, Retirement Planning, Tax Planning, Estate Planning, College Savings & Insurance Planning.
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What is your experience? How many clients do you currently manage?
More than 8 years professional investment management experience. He holds the CIMA designation through the Wharton School at the University of Pennsylvania, the CFP designation among other industry recognized designations. He works with over 300 client households.
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What financial institution(s) do you represent?
Armand is an independent financial advisor. His broker delaer is JHS Capital Advisors. Assets managed by NBC Securities is safeguarded by RBC Correspondent Services.
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What is your approach to financial planning?
He will go above and beyond the call of duty to make sure your assets are professionally managed and that your financial plan is implemented and monitored closely. Armand is the logical choice to be your financial advisor based on his experience, education, licenses & professional credentials.
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What services do you offer?
Not Answered
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What are your qualifications?
CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Other - AWMA, CRPC, CMFC, MPAS
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What is your approach to 401 K plan rollovers?
Armand will first conduct a financial analysis to determine the costs associated with a potential rollover transaction. If the numbers make financial sense, he will then seek the clients permission to move forward and will proceed to research, plan & develop suitable investment solutions.
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How long does the process of rolling over a 401K plan usually take?
Typically 1 week.
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What financial institutions do you represent?
As an independent financial advisor & investment advisor representative, I am able to hold my clients assets with almost any financial insitution or custodian.
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How many years of experience do you have?
Armand has 8 years of investment management and financial planning experience.
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What are your fees for this service?
During the financial planning process, Armand will evaluate the client/s situation to determine if a fee is appropriate. If a fee is warranted, it will be determined based on the complexity & time needed to research, plan & implement the solutions.
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How many 401K rollover clients do you currently manage?
Rollovers are a significant portion of assets coming into Armand's practice.
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Why should I roll over my 401K plan to your firm?
Armand, through NBC Securities and the vast resources of RBC Correspondent Services has access to specialized teams of financial professionals ensure your assist are safeguarded and appropriately invested & managed.
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Armand receiving the Innovation Award
Innovation Award
