| Advisor Profile |
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Business Description |
| Barreirro & Associates provides Wealth Advisory services, comprehensive Financial Planning services and Money Management on a fee basis. We have a strong focus on investment strategies that not only focus on growth but on the tax effectiveness upon distribution of your assets. Call us for a no obligation consultation. |
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General Information |
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| Name of Broker/Dealer: |
Invest Financial Corporation
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| States Licensed in: |
CA, CT, FL, MD, NH, NJ, NY, NC, PA, WA
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| Years of Experience in Financial Services: |
14
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| Number of Years with Current Firm: |
1
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| I work with the following types of clients: |
Individual Investors
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Services |
| Investment Types: |
Mutual Funds
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Qualifications & Memberships |
| Securities Licenses: |
Series 7, Series 6, Series 26
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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Compliance |
| Registered Representative: |
Yes
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| Compliance Disclosures in Last 5 years: |
I have a clean record
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| Criminal Disclosures in Last 5 years: |
I have a clean record
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Compensation & Fees |
| I am a fee-based financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
$250,000
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| Compensation Methods: |
Hourly, Based on Assets
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| Prepared By: |
Joseph Barreiro |
| Most Recent Update: |
10/08/2008 |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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| Q. |
What are your qualifications? What is your education background? |
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I have an MBA in business & Finance from Columbia i am a Registered Investment advsior. I hold the Series 7 6 65 63 & 24. I have been in the business for 17 years and have a excellent regulatory record with the NASD |
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What is your approach to financial planning? |
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Every client has different needs and have different risk tolerence. We taylor each plan and investment strategy for each client based on their short and long term goals. |
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What services do you offer? |
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complete financial, retirement, estate, and college planning. |
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How many clients do you currently manage? |
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Currently I manage 45 client accounts |
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Will you be the only person working with me? |
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I will be the advisor that meets with you. Your plan is done with a team of speacialist. I will then be responsible for keeping the plan on track and managing your assets. I will meet in person with you bases on your needs any where from once a year to 4 times a year |
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How are you compensated? How will I pay for your services? |
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I charge an annual fee that covers all of my firms services. The fee is based on you total value of your account and is on a sliding scale. Our average charge ranges between 1.40 to 1.70. |
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| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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yes, all our managed accounts are all non discretionay.We feel it is important to have the client involved and to better understand the investment strategy style we use. this ongoing communications makes for a better relationship. |
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Do you offer any guaranteed results? |
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No, you can never guarantee a rate of return on any type of securites unless its a T bill or certain type of fixed bond. But i do guarantee total commitment to managing to the liabilty
of your investment. In addtion we have investment strategies that will reduce volatility in your portfolio. |
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How much risk should I be willing to take? |
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That depends on your time horizone. We can assist you with our consultaion to determine your risk tolorence |
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Have you ever been charged with any breaches? |
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NO. we never had any NASD violations of any kind |
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| Q. |
What carrier(s) do you represent? |
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I can buy any insurance product the client likes as long as it meets our compliance depts. standards. As an independent advisor i am free to chose what i feel is the best product or investment for my client |
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Are there any pre-existing conditions that you can not cover? |
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That will be up to the underwritters and varies from insurance companies. |
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How long does it take to complete the application and approval process? |
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It can take any where from 3 weeks to 2 months. part of the process is getting the medical records from your doctors, which is just a request by the insurance company but they have to do it . |
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Is there a maximum age that you can insure? |
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What services do you provide? What are your specialties? |
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Wealth Advisory and comprehesive financial servies. |
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What is your experience? How many clients do you currently manage? |
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17 years of planning experience. 45 managed accounts. |
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What financial institution(s) do you represent? |
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As an independent we can represent any instituiton as long as they are compliance approved. |
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How do you charge for your services? |
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fee base no commission or any trading charges. this would includes all services |
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Do you provide a free initial consultation? |
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Why should I choose you as my financial advisor? |
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Call anyone on my clients. they will tell you their experience and they you can decide. |
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What are your qualifications? |
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I have 17 years of financial planning experience. I have an MBA from Columbia University. I currently hold the following secrities and insurance license. Series 7 6 65 63 & 26 |
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What is your approach to Education Planning? |
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Start young and creatate a program that allows all of family and freinds an opportunity to contribute to a college plan. |
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How long does the process of setting up an Education Plan usually take? |
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What financial institutions do you represent? |
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I am independent so as long as its compliance approved we can represent them |
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How many years of experience do you have? |
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What are your fees for this service? |
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1.25 % to 1.65 % depending on the assets. |
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