Privacy Policy		About My Practice I have focused my practice, over the last twenty years, working primarily with professionals (including physicians, teachers and engineers), widows and pre-and post-retirees concerned with maximizing their financial future. I have a strong concentration in Investment, Retirement, Insurance and Estate Planning. I also work with businesses offering Benefit Planning & Pension plans, which I believe, enhances my ability to more thoroughly plan for individuals. I consider my primary strength, as an independent certified financial planner to be objectivity. In areas of insurance and investments I represent a very large number of companies. Unlike many planners who profess this, I put it to practice daily for every client. Likewise I don't use a canned approach in the development of recommendations. Plans are uniquely developed to suit the specific needs of each individual client. Financial planning is not a product....it is a process. The process of financial planning is the creation of personal and family security, along with the preservation of the estate created. At the Professional Planning Group we work with you to help assure your financial security. Experience: I have a reputation for providing a very high degree of personal service to all my clients. Objectivity, integrity and confidentiality are essential components of my practice. Offering Advice Since: 1987 Services Provided: Comprehensive Financial Planning Investment and Asset Management Insurance Charitable Giving Elder and Long Term Care Planning Education Funding Estate Planning Retirement Planning Stock and Bond Brokerage Employee Benefits and Qualified Retirement Planning for businesses Work with owners of closely-held businesses Regulatory Registration and Compliance: I am or my firm is registered with the following state(s) as an investment adviser: NY Licenses, Certifications, & Education: Licensed to Provide the Following Securities: Stocks and Bonds Mutual Funds Limited Partnerships Insurance Licenses: Life Insurance Health / Disability Insurance Fixed Annuities Variable Annuities Other Licenses and Designations: Certified Financial Planner (CFPTM) - 1993 Hold NASD series 6, 63, 7 & 24 d Education: Bachelors - Education - U. of Maine, 1974 Masters - Management - Rensselaer Polytechnic Institute, 1982 Broker / Dealer Affiliation: Cadaret, Grant & Co., Inc. How Advisor Is Paid: Fee for Financial Planning (initial, hourly, and / or retainer) Fee based on percentage of assets managed; percent ranges: .75% to 1.75% Commissions and / or loads for investment products purchased Trail fees on mutual funds or insurance products Redemption fees on mutual funds or insurance products Commissions on insurance products purchased Account fees (such as for IRA accounts) Compensation (methods and disclosure): I will do fee only planning if requested. When requested, I will inform clients of the dollar amount of fees (commissions or loads) they will pay on the purchase of any product. I will recommend products based on the best interest of the client. I may refer client to other professionals if appropriate. I receive absolutely no compensation from other professionals for referral. Additional Information: To maintain my license(s) and / or designation(s), I am required to earn 45 continuing education credits every 2 years. I will provide prospective clients with references. I will provide a free initial consultation to prospective clients so that we may determine if their needs and my practice are well-matched. *Securities offered through Cadaret Grant & Co., Inc. Member NASD/SIPC, PPG and CG are separate entities. Securities and/or insurance products not insured by FDIC/NCUA or any government agency. May lose value. Not a deposit of or guaranteed by any bank, credit union or any affiliates. Licensed in AZ, CA, CO, CT, GA, ID, MA, ME, NC, NH, NJ, NY, PA, VA, VT and WY.