BBA in Risk Management and Insurance - University of Georgia 1983
CERTIFIED FINANCIAL PLANNER™ certification - College for Financial Planning (Denver, CO) 1988

NASD registered 6,7,63 and Registered Principal 24

FEE-BASED FINANCIAL PLANNING
-Hourly consultation rate
-Contractual/Flat rate

INVESTMENTS
Managed investment accounts, strategic asset allocation and portfolio management, tax-sensitive investing, mutual funds, stocks, bonds, traditional and indexed Certificates of Deposit, traditional and roth IRAs, Education funding (including Coverdell IRA and 529 college savings plans), annuities (fixed and variable)

RETIREMENT/PENSION PLANS
401(k), 401(a), 457, TSA/403(b), Self-employed pension (SEP), SIMPLE, KEOGH, Defined-Benefit, Target Benefit, Permitted Disparity and 412i plans. IRAs (traditional, rollover, and ROTH), pension and 401k rollovers.

ESTATE PLANNING
estate reduction strategies, wealth transfer planning, multi-generational beneficiary distribution "stretch" structuring (qualified/non-qualified assets)


Investment Advisory Services offered through Sagemark Consulting, a division of Lincoln Financial Advisors Corp., a Registered Investment Advisor. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Insurance offered through Lincoln Financial and Insurance Services Corp. and other fine companies.



CRN 200610-2000927