Financial Services for Providers

Although I have been registered on this site (and the previous one) for quite a while, I have just recently decided to become an “active” member. As part of becoming an active member, I have decided to offer my experience in Financial Services to providers. I have an undergraduate degree in business, along with an MBA. I work an 8-5 job in the Finance Department of a large, publicly-traded company and I also have a financial consulting service on the side, where I help people in all aspects of finance.

My specialty is financial modeling, which helps answer “what-if” questions. What would be the financial implications if I raised my rates by 10%? What would happen if I spent an extra $x/week on advertising? How much do I need to save today in order to have $x available five years from now? This is all done through a simple, iterative process where I ask you questions, and then take your information and present it in an easy-to-understand format, including charts and graphs to help you make the right financial decisions!
Additionally, I can offer help in the following areas:

· Budgeting (take some small, basic steps and have more money for yourself every month)
· Tax Services
· Buy/Lease Options
· Auto Finance (get the best deal/interest rate you can)
· Short and Long-Term Financing (i.e. loans, etc.)
· Real Estate Finance and Negotiations
· Investing and Saving
· Credit Repair

I have been a consultant for many years, and can assure you that your privacy is my number one priority. I will NEVER ask you for ANY personal information, such as a social security number. And, in most cases, I will not even need your name. This is strictly a consulting service, where I offer you information and advice on how to maximize your profits and reduce your expenses.

My rates are extremely reasonable, and the initial consultation is always FREE! If you have any questions at all in the area of finance, do not hesitate to contact me via PM.

I’m looking forward to hearing from you!

Sounds interesting, however I am not sure how you prepare a tax return or do credit repair without knowing someones social security numbers and personal information. Also, I believe only properly liscensed professionals (CPA or Attorney) are REQUIRED to keep information confidential to keep their liscense (professional ethics rules), any others are not (not saying they would not). Also, the tax laws change all the time and CPAs in my state are required to have 40 hours of continuing education every year (I believe lawyers on have to have 12 or 15?). I am not sure there is a substitute for specific experience over many years to know any of these areas and a professional liscense may best protect anyone who wants tax and accounting services......but that is just my biased opinion.

In regards to client confidentiallity, if the individual is a securities broker, they are required to keep client information confidential-not just SS, etc but in addition any information regarding the clients investments, or any information at all regarding the client's personal financial information. If the representative is a Certified Financial Planner (tm) practitioner, they are considered a fiduciary and are also required to keep client information confidential. Any disregard of this from a broker or a CFP(r) and they risk losing their license. This happens many times when a couple gets divorced and the non-client spouse comes in or calls and wants to know the private financial information of the client spouse. This can only be released through legal channels (both clients-and normally attorneys signing off, sometimes with a court order). This has happened many times in my practise and I've been physically threatened because I wouldn't release information to the non-client ex spouse.

I believe this is all correct and additionally I am pretty sure that the ONLY requirement to get a liscense to sell securties and insurance is to pass an examination. There is no education requirement so I guess you could just walk in off the street if you are 18, study for and pass a test and be able to sell insurance, mutual funds and/or stocks, bonds etc??? Is this correct??? That is not to say that there are not educated and astute professionals in this area by any means!

R

Be safe out there, especially when doing business!!

Actually, you have to take a course (seems like it was 6-8 weeks long, its been a long time since I took it) before you take the Securities exams. You have to work for a broker-dealer to sell securities and they won't hire you without proper and on-going training. There are also Continuing Education requirements to keep your license. The Series 7 exam is an eight hour long bitch of a test that I doubt any 18 year olds could pass.

Insurance licensing is similiar. You have to take a 6-8 week course, pass the exam and work for a broker/dealer or agency to get your license. You are required to take 30 hours (two of which must be ethics related) every two years to keep your license.

Everything you said is correct, except the insurance license can be gained in much less time!

abdclub

i am interested in your offer

Hey all! Just wanted to follow up on this post...I have met some really good people on this board and already have helped out a few folks Rktman, you are absolutely correct that a SSN is needed in order to file a tax return, repair credit, etc. However, the majority of my services I perform simply by talking to my client and offering suggestions/advice on how to handle different scenarios. In terms of credit repair, this could be as simple as going through a person's credit items and making suggestions on how to "fix" things that the person can do themselves, without me ever "touching" their information.

Again, the bulk of my services are in financial management, such as budgeting, investing, etc.

So, with that being said, my offers still stand...if you have *any* questions about money, or how to get the most out of yours...drop me a PM. It's always free just to chat and discuss your situation.

Thanks and enjoy the weekend!

The Series 7 is a mother f'er! Insurance...not so much. Property and Casualty is a breeze.

Just had to comment on that because every time I see the words "Series 7" I cringe.

LOL @ Alexxxis...I cringe everytime I just hear the word insurance LOL.

If I have anyone in that part of the world I will send them to you!! I work with many in Dallas, New York, Arizona, and Cali and Nevada!! You can send those our way!! I do pretty much the same things with an emphasis on the Tax and Business side and not so much on pure investments but more so on planning and achieving Business and Wealth Goals!!

R

Be Safe Out there!!

Thanks, rktman! Will do...you seem pretty solid, yourself! And I love your avatar LOL.

Thanks again, dude!

Sounds interesting, however I am not sure how you prepare a tax return or do credit repair without knowing someones social security numbers and personal information. Also, I believe only properly liscensed professionals (CPA or Attorney) are REQUIRED to keep information confidential to keep their liscense (professional ethics rules), any others are not (not saying they would not). Also, the tax laws change all the time and CPAs in my state are required to have 40 hours of continuing education every year (I believe lawyers on have to have 12 or 15?). I am not sure there is a substitute for specific experience over many years to know any of these areas and a professional liscense may best protect anyone who wants tax and accounting services......but that is just my biased opinion. Originally Posted by rktman

I won't comment on any of the posters' credentials, motives or qualifications.

I will say there is very little (practical) regulation around the advice or counsel one can give around financial affairs so long as they are not soliciting the purchase/sale of securities or insurance products or making "suggestions" about particular products.

Frankly a lot of what the OP is offering you can find in your local newspaper from a columnist whose closest contact with a business school was when she got lost on campus That said, depending on the individual, the OP's personalized consultations may well be worth the professional fee...assuming he's any good & you needed the help to begin with...