PFG Wealth Advisors

Time 2020-11-21 18:04:33

Web Name: PFG Wealth Advisors

WebSite: http://pfgwealthadvisors.com

ID:123074

Keywords:

PFG,Wealth,Advisors,

Description:

MISSIONWe specialize in providing wealth advisory services for clients seeking financial success and security.Striving to understand and deliver on the unique needs and goals of our clients, our team develops customized strategies to help minimize financial risk and maximize financial opportunity. We hold ourselves to the highest standards of quality and integrity as we partner to empower your future. VALUESThe foundation of who we are and how we live our lives. As people, our values are our greatest assets.Integrity • A being of moral soundness, honesty and ethical principles. To do what is right and our words are true.Honesty • Having trustworthy qualities necessary for our clients to rely on us.Ethics • We have the confidence to stand behind our decisions, to do what is right, regardless of the business implications.Leadership • Having the courage and character to stand alone and gain the confidence of others.Compassion • Desire to understand the needs of others. VISIONOur blueprint and focus for what we need to accomplish in order to continue achieving sustainable, quality growth.People • Hire and retain the “right” people who aspire to do great work. We strive on our values and have great pride in our way of being.Service • We believe in a culture of providing first class service as the only way to engage our clients.Technology • A continued focus to improve workflow and processes in order to maximize efficiency and provide the greatest value to our clients.Adaptability • Staying abreast of industry changes and trends, while ensuring the processes, platforms, products and business models we use remain cutting edge. Eric K. Dare, CFP® President & Wealth ManagerEric entered the financial services business as an advisor in 2003 and is the Founding Principal of PFG Wealth Advisors, LLC where he manages over $60 million in client assets. He is the Executive Vice President of PFG, Inc., where he heads PFG’s Risk Management, Qualified Plans and Financial Planning Divisions. Additionally, Eric is responsible for the development of corporate growth strategies, recruiting and founded PFG’s Professional Athlete Division where his team works closely with National Football League and Major League Baseball players. Eric is a graduate of Penn State s Smeal College of Business Administration (BS Marketing) and is a CERTIFIED FINANCIAL PLANNER™. He holds Series 7 66 registrations and Pennsylvania Life, Accident and Health licenses. He is a Registered Representative of Cetera Advisor Networks LLC.Eric is very active in the community and serves on the boards of The Kevin Dare Foundation, Beating The Odds Foundation and is also a steering committee member of Uplifting Athletes. Other organizations he is committed to include The Navy Seal Foundation, St. Jude’s Children’s Research Hospital and THON.  Athletics has always been an important part of Eric’s life. He he grew up participating in baseball, wrestling, track field and football.  He lettered as a defensive back and played special teams for Penn State s Nittany Lion football team.  Eric was also captain of Penn State’s Track Field team and placed 5th in the Javelin at the Big Ten Men’s Outdoor Track Field Championships. He and his family reside in State College, Pennsylvania.Check out the background of this investment professional on FINRA’s BrokerCheck.Courtney Schmittle Chief of StaffCourtney serves as Chief of Staff at PFG.  In this capacity, she manages correspondence with internal and external executives, clients, outside companies and vendors. She coordinates insurance and securities licensing, social media relationship development and oversight of incoming and outgoing communications. Courtney also manages reporting, business tracking, internal and external follow-ups, preparation of background documents, meeting/event planning and travel. She holds a Series 11 registration.Courtney earned a Bachelor of Science in Biobehavioral Heath from Penn State in 2002 and a Master of Education from Shippensburg University in 2007. In her spare time she enjoys exercise, sporting events, travel, being outdoors and time with family and friends.Check out the background of this investment professional on FINRA’s BrokerCheck.Kimberli Fleck Senior Vice President & General Counsel• Compliance Oversight• Legal Inquiries• RIA ComplianceKimberli Fleck is Senior Vice President and General Counsel for PFG. In this capacity, Kim oversees all aspects of PFG’s Compliance and Legal departments, interfacing directly with broker dealer executive staff and State and Federal regulators on behalf of PFG associates. She is Chief Compliance Officer for PFG’s own federally registered investment advisor and continually monitors all facets of associate compliance requirements. She is a member of the Investment Advisory Board.Kim graduated from Pennsylvania State University, receiving her BA in Political Science. She earned her Juris Doctor from the Widener University School of Law and is admitted to the Commonwealth of Pennsylvania as an attorney at law. She holds Series 4, 7, 24, 53 and 66 registrations.Check out the background of this investment professional on FINRA’s BrokerCheck.Ron Lutz Directory of TechnologySince 1996, Ron Lutz has acted as Director of Technology for PFG. He is instrumental in all phases of planning, administering and maintaining PFG s Information and Telecommunications systems. He provides common-sense solutions to associate IT issues, and acts as advocate when dealing with the broker dealer and outside vendors. His technical expertise aids PFG associates in navigating the technological complexities of today s challenging business environment.Ron co-founded a computer networking/service business in State College, PA and maintains his position as Owner and Senior Systems Engineer.Doreen Koleno, ChFC® Senior Wealth Advisor & Director of OperationsDoreen joined PFG in the Spring of 2017 as a wealth advisor, bringing over 10 years of experience. She’s enhanced our client experience by offering financial insight and additional support to our families, individuals and businesses. Doreen is our first point of contact and oversees all aspects of managing investments based on specific client needs.  She handles new business processing, manages service requests for existing accounts, fields client inquiries, and coordinates follow up.Doreen earned her Chartered Financial Consultant designation from The American College in 2012.She is currently enrolled in The American College, Retirement Income Certified Professional course work.  Doreen holds Series 6, 63, and 65 registrations and Pennsylvania Life, Accident and Health licenses and is a Registered Representative of Cetera Advisor Networks LLC.Check out the background of this investment professional on FINRA’s BrokerCheck.Katie Mullin Director of Client ServicesKatie is our Director of Client Services at PFG. She is the first point of contact with our clients and oversees all aspects of processing new business for investment accounts and risk management. Katie manages service requests for existing accounts, fields client questions, coordinates follow ups and is responsible for form submission. Additionally, she oversees collaboration with clients to collect financial data, prepare client reports and furnish forecasting and financial model projections via our wealth planning program, eMoney.Katie graduated from The Pennsylvania State University with a B.A. in Spanish, B.S. in Labor and Human Resources and an M.S. in Human Resources and Employment Relations. In her spare time, she enjoys going for runs, spending time with friends and family, and traveling. Individuals FamiliesWe develop tailored solutions to help our clients work towards their financial goals through long-term relationships. Our focus encompasses the Accumulation, Protection and Transferring of your wealth to future generations to meet your family’s objectives.Small Medium Business OwnersThe needs of business owners are very unique. We create an environment that allows you to focus solely on the growth and security of your business. Our wealth management solutions are designed to integrate both your personal and business financial needs via a customized plan to maintain the strength of your business and to work towards personal financial security. We work with countless business owners in providing retirement plan services, risk management consulting, succession planning and estate planning.Corporate ExecutivesThe life of a corporate executive can be extremely demanding and complex to say the least. We will assist  you in managing the many facets of your compensation package and benefit options. Common areas of focus include: Non-Qualified Deferred Compensation Plans, Stock Option Planning, Executive Bonus Plans, COLI Plans, and Supplemental Executive Retirement Plans.Non-profitsWe understand Non-Profits, the nature of mission-based organizations, and the financial management needs that are part of such operations. We provide advice on socially responsible investing, planned giving, and asset management. Through our work with numerous Non-Profits, both currently and in the past, we have become experts in catering to the unique needs of foundations.Professional AthletesThe financial needs of professional athletes are extremely unique. Our firm’s experience enables us to cater to the multiple stages of an athlete’s career – from collegiate players who are preparing to turn pro, to active professionals and to those transitioning to a second career. Having worked with many professional athletes in the NFL and MLB, we know how to plan for your distinct financial needs.1/Establish the client-planner relationship2/Gather data and determine goals and objectives3/Determine Client s financial status by analyzing various client information4/Develop and present the Financial Plan5/Launch the Financial Plan6/Monitor the Financial PlanInvestment ManagementOur investment strategies are customized to meet the many goals of our clients. Using our extensive process we build portfolios that are appropriate for your individual plan. We focus on your objectives, risk tolerance, time horizon, cash flow requirements and tax implications. Our process is continuous as we analyze economic and market conditions to strategically manage our client s assets appropriately.Risk ManagementWhile accumulating wealth is vital to your plan, protecting your assets and securing your future is equally as important. We analyze your situation and identify possible threats to achieving your financial goals. There are many components and forms of insurance which we analyze for our clients such as:LongevityLife/Premature DeathCritical IllnessDisabilityLong Term CareHealthProperty CausalityLiabilityUmbrellaEstate Charitable PlanningWe work closely with our clients to implement strategies that achieve their goals by not only protecting their assets but also helping to dramatically increase the amount of wealth they transfer to their heirs. Federal estate and state inheritance taxes can eat up as much as 50 percent of individual net worth, ultimately affecting  the amount one is able to leave to heirs and charitable organizations that are dear to them. We work closely with Estate Planning attorneys to implement appropriate strategies to accomplish our client’s objectives.Tax StrategiesWe put great emphasis on total return for our clients. Our strategy is to focus on those taxes which may potenailly produce positive investment returns. We may utilize tax efficient investment vehicles and make suggestions to maximize contributions to tax deferred investment vehicles when appropriate. In addition, the process of tax loss harvesting may be an appropriate solution for some clients as well.Succession PlanningMany clients have devoted much of their lives building their business through hard work and sacrifice.  Eventually, they reach a point where their focus turns to transitioning the business to a successor. Often times this occurs organically from within the company or via the sale to an external party. Either way we will guide you through this transition as efficiently as possible helping you achieve your desired goals.Cash Flow ManagementIn today’s fast paced society, many clients feel overwhelmed in keeping up with basic cash flow management and household budgeting. We work closely with our clients to create and implement a detailed budget that fits their financial plan. In addition, some clients contract additional services to assist them in paying their bills and helping manage their household.Financial ConciergeWe provide first class comprehensive services tailored to the personal financial and life-management needs of our clients.  The services we provide encompass; personal assistant services, travel arrangements, management of personal residence vacation homes, as well assistance with large purchases.  This level of service and relationship is best identified as our firm being your Personal CFO. Partners Financial GroupSince 1960, PFG has evolved into a powerful national financial services company with over 150 registered associates, including attorneys, financial planners, insurance experts, and accountants. As an independently managed producer group, PFG has built their success by putting service and long-term relationships as top priority. Their efforts assist financial advisors in designing and implementing detailed wealth and security strategies to help their clients accumulate, protect, and transfer wealth.Vicus CapitalA Registered Investment Advisor since 1974, providing comprehensive asset management services through open architecture platforms, third party money managers and proprietary platforms. In addition, fee for service financial planning and consulting is commonly provided. Vicus Capital is proud to offer dual custodians to better meet the needs of top advisors throughout the industry.PFG Wealth ManagementCaters to High Net Worth clients, providing family office and concierge services. This includes cash flow management and bill pay services.Fidelity Institutional Wealth ServicesOne of the leading investment and financial services companies in the world. Fidelity offers an array of investment and retirement products and services and provides a full range of trading services and comprehensive custody and reporting services. They administer clients’ assets via the power and operational experience of one of the strongest brokerage platforms in the business.Pershing LLCDedicated to serving the needs of growth-minded registered investment advisors serving sophisticated clients.  Pershing Advisor Solutions provides benefit from the unique strength, global resources and combined custody services of Pershing LLC and BNY Mellon.ASH BrokerageOver the past 40 years, Ash has become the largest independently-owned brokerage agency, serving insurance agents, financial advisors, registered representatives and career agents through a business-to-business relationship. Utilizing industry-leading processing capabilities, a team of in-house underwriters and a medical director, Ash specializes in an objective analysis of clients Life Insurance, Annuity, LTC, DI and Advanced Market needs. Ash has partnerships with more than 80 insurance carriers throughout the world. Kevin Dare FoundationThe Kevin Dare Foundation provides support for high school student athletes, who have suffered a debilitating injury or illness, achieve their dreams of earning a college degree.The Kevin Dare Foundation and its Life…Back On Track program will help these students by providing the necessary funds via scholarship to the college or university of their choice. Kevin’s life exemplified a legacy of integrity, inspiration and indomitable spirit. With that, we are inspired to help students who exhibit the courage, strength and fortitude to rise above their personal challenges in determination to achieve their dreams!Beating the OddsThe Beating the Odds Foundation helps America s youth become winners in life, despite the challenges, setbacks, or obstacles they face in today s society. BTO provides motivational speaking, inspirational demonstrations, and a school mentoring program for students beginning in the fourth grade.Uplifting AthletesUplifting Athletes is a national nonprofit organization aligning college football with rare diseases and raising them as a national priority through outreach, research, education and advocacy. What makes Uplifting Athletes unique is that our chapter network is run by current football student-athletes, providing them with an opportunity to gain practical job skills while learning how to leverage their assets and abilities to make a positive and lasting impact.The Navy Seals FoundationThe Navy SEAL Foundation stands behind all U.S. Navy SEALs, Special Warfare Combatant-craft Crewmen, Naval Special Warfare support personnel, and their spouses and children. The Foundation coordinates closely with NSW commands to support critical needs of active-duty operators while also providing resources for NSW veterans. Our work is focused on three key areas: family support services, educational programs, and legacy activities.St. Jude s Children s Research HospitalThe mission of St. Jude Children’s Research Hospital is to advance cures, and means of prevention, for pediatric catastrophic diseases through research and treatment. Consistent with the vision of our founder Danny Thomas, no child is denied treatment based on race, religion or a family s ability to pay.THONThe mission of the Penn State IFC/Panhellenic Dance Marathon is to conquer pediatric cancer by providing outstanding emotional and financial support to the children, families, researchers, and staff of The Four Diamonds Fund. Together we will find a cure.Children s Hospital of PhiladelphiaSince its start in 1855 as the nation s first hospital devoted exclusively to caring for children, The Children s Hospital of Philadelphia has been the birthplace for many dramatic firsts in pediatric medicine. The Hospital has fostered medical discoveries and innovations that have improved pediatric healthcare and saved countless children’s lives. Over 150 years of innovation and service to our patients, their families and our community, reflect an ongoing commitment to exceptional patient care. State College, PA 16801Download VcardCheck out the backgrounds of these investment professionals on FINRA’s BrokerCheck. PHONE(814) 235-3509(814) 238-0544(814) 235-3500 OverviewA recent Executive Order issued by Governor Cuomo, together with recent amendments to the insurance and banking regulations (the “regulations”) issued by the New York State Department of Financial Services (“Department”), extend grace periods and give you other rights under your life insurance policy or annuity contract if you can demonstrate financial hardship as a result of the novel coronavirus (“COVID‑19”) pandemic. These grace periods and rights are currently in effect but are temporary, though they may be extended further. Please check the Department’s website at https://www.dfs.ny.gov/consumers/coronavirus for updates.A copy of the Executive Order and regulations can be found at:https://www.governor.ny.gov/news/no-20213-continuing-temporary-suspension-and-modification-laws-relating-disaster-emergencyhttps://www.dfs.ny.gov/system/files/documents/2020/03/re_consolidated_amend_pt_405_27a_27c_new_216_text.pdfInsurance Payments - Grace PeriodIf you can demonstrate financial hardship as a result of the COVID-19 pandemic, your insurer must extend to 90 days the applicable grace period for the payment of premiums and fees under your life insurance policy or annuity contract. If you do not make a timely premium payment and can demonstrate financial hardship as a result of the COVID-19 pandemic, your insurer may not impose any late fees relating to the premium payment or report you to a credit reporting agency or a debt collection agency regarding such premium payment.Catching Up on Overdue Insurance PaymentsThe regulations also require your insurer to permit you to pay the overdue premium over a 12-month period if you did not make a timely premium payment due to financial hardship as a result of the COVID-19 pandemic and can still demonstrate financial hardship as a result of the COVID-19 pandemic. This also applies if the insurer sent you a nonpayment cancellation notice prior to March 29, 2020.Policies Financed by Premium Finance Agencies – Grace PeriodIf your life insurance policy or annuity contract has been financed through a premium finance agency, and you do not make an installment payment, the premium finance agency may not cancel your life insurance policy or annuity contract for a period of at least 90 days, including any contractual grace period, if you can demonstrate financial hardship as a result of the COVID-19 pandemic, and subject to the safety and soundness of the premium finance agency. In addition, if you do not make a timely installment payment to the premium finance agency and can demonstrate financial hardship as a result of the COVID-19 pandemic, the premium finance agency must extend the due date for the installment payment by at least 90 days, may not impose any late fees relating to that installment payment, and may not report you to a credit reporting agency or a debt collection agency regarding that installment payment.Catching Up on Overdue Payments to Premium Finance AgenciesIf you do not make a timely installment payment to the premium finance agency due to financial hardship as a result of the COVID-19 pandemic, the premium finance agency must permit you to pay the installment payment over a 12-month period if you can still demonstrate financial hardship as a result of the COVID-19 pandemic, subject to the safety and soundness of the premium finance agency. This also applies if the premium finance agency issued a non-payment cancellation notice prior to March 29, 2020.How to Demonstrate Financial HardshipIf you are unable to make a timely premium payment due to financial hardship as a result of the COVID-19 pandemic, you may submit to your insurer or premium finance agency, as applicable, a statement that you swear or affirm in writing under penalty of perjury that you are experiencing financial hardship as a result of the COVID-19 pandemic, which the insurer or premium finance agency, as applicable, shall accept as satisfactory proof.  Such statement is not required to be notarized.QuestionsIf you have any questions regarding your rights under the Executive Order or regulations, please contact your insurer, broker, or premium finance agency. Securities offered through Registered Representatives of Cetera Advisor Networks LLC, member FINRA / SIPC. Advisory Services and Financial Planning offered through Vicus Capital, Inc., a Federally Registered Advisor. Cetera is not under separate ownership of any other named entity. Representatives do not provide tax or legal advice.PFG WA is licensed to sell securities in PA, CA, FL, GA, IL, IN, LA, MD, MA, NJ, NM, NY, NC, OH, OR, SC, TN, TX, VA WV.PFG WA is licensed to sell insurance in PA, CA, FL, GA, IL, IN, LA, MD, MA, NJ, NM, NY, NC, OH, OR, SC, TN, TX, VA WV.Online Privacy Policy www.ceteraadvisornetworks.com/onlineprivacypolicy/ Privacy Promise www.ceteraadvisornetworks.com/privacypromise/ Business Continuity www.ceteraadvisornetworks.com/businesscontinuity/ Important Disclosures www.ceteraadvisornetworks.com/importantdisclosures/ Order Routing www.ceteraadvisornetworks.com/orderrouting/

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