Frequently Asked Questions

What states are you licensed in?
We are licensed to sell securities in the following states: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KY, LA, MA, MD, MI, NC, NJ, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA, WV, WY. We are licensed to sell life insurance and annuities in the following states: CT, FL, GA, IL, KY, NJ, NY, OH, SC.

Do you have a minimum investment requirement?
Non-IRA (or non-qualified) transactional investment portfolios have a minimum of $25,000.IRA (or qualified) transactional investment portfolios have a minimum of $4,000. Fee-based management requires a minimum investment of $100,000. Private account management requires a minimum investment of $250,000.

Do you work only with Christians?
No. We serve anyone God brings to us. However, we invest all of our time, talent, and treasure in seeking out Christian clients. Our reasoning is, as Christians, we believe the only people we can help to convert worldly wealth into Heavenly treasure are those who have accepted Christ as their Lord and Savior.

Do you work on a fee-basis or commission?
We offer both services.

I want to invest into mutual funds. Can I choose the mutual fund companies?
Yes.

What is "fee-based management"?
With fee-based management, you will receive regular portfolio reviews comparing the Asset Allocation model you are invested in with the economic and market data to determine possible adjustments. You will have the ability to move assets among cash, fixed investments, bonds, stocks, hard assets, and real estate in a cost-effective and flexible manner. Fee-based management gives you the ability to diversify an investment portfolio with individual securities, indexed securities, hedge securities, and exchange-traded securities in a cost-effective and flexible manner. It also gives you the ability to diversify with securities and funds that are focused in market sectors and industries currently experiencing above-average growth. Fee-based management allows the use of no-load securities, which offer lower investment management fees, services fees, and other expenses. It also allows for autonomous advisor control, when appropriate, to make changes to the investment portfolio for the client's benefit.

How limited are my investment options – am I limited in the companies I can invest in?
We have approximately 12,000 mutual funds to choose from, as well as domestic stocks, ADR, and bonds.

What is the cost of my initial consultation?
There is no fee or obligation for an initial consultation. Additionally, you will never be charged a fee for any of our services unless you have previously agreed to it.

What can I expect at my initial consultation?
n open and honest discussion about your needs, goals, and interests with a focus upon identifying the best methods for helping you achieve peace of mind in your wealth management strategies.