Ringgold & Associates
We Can Help You
Expert Money Manager, Naples FL
Create a Financial Roadmap
We can develop a plan that coordinates all aspects of planning for pre-retirement and retirement:
Social Security, Medicare, Investments, Cash Flow, IRAs, LTC, Estate, and Taxes
In fact, as a Fiduciary, I must address all of these issues to ensure that each element of your overall plan is coordinated and in your best interests. By inspection, any advisor who does not consider all aspects of your plan cannot be acting in your best interests.
As a Certified Financial Planner™, I have formal university training in retirement planning, federal taxation, insurance, investment management, financial planning and estate planning. As both a CFP® and an Investment Advisor Representative (IAR), I operate under a strict Fiduciary Standard and in your best interests at all times, as opposed to a lesser “suitability” standard used by stockbrokers and insurance-only salespersons.
I have organized a hybrid practice because you may have both investment and insurance needs. I believe that you are best served by an integrated solution rather than a loose patchwork of plans possibly working at cross purposes. This approach is specifically designed to avoid conflict of interests that single purpose insurance-only salespersons, commission stockbrokers, and fee-only investment advisors inherently have as a natural result of their business model.
On the investment side, I operate on a fee-only basis as an Investment Advisory Representative (IAR) through my Registered Investment Advisor (RIA), Brookstone Capital Management LLC and custody all assets with TD Ameritrade Institutional.
I can offer you a large array of investment options, not just stocks, bonds, and proprietary products. We have modern technology and tools available to manage your portfolio and limit drawdowns in bear markets.
We provide solutions to your problems rather than products to satisfy sales quotas.
I am an independent insurance agent looking out for your best interests, not a captive agent working for a single carrier. I use only A.M. Best "A" rated insurance carriers that I have carefully chosen considering the competitiveness of products, business practices, and ownership. Insurance agents are compensated by commissions paid by the carrier.
What to bring to the first appointment:
Investment and savings statements: 401(k), 403(b), 457, and like retirement accounts • Brokerage and stock portfolios • Annuity contracts • Traditional and Roth IRAs • Non-traded investments
Institutional statements: Checking, savings, CD, money market accounts
Social Security Statements
Asset/budget/debt information (download under "Cash Flow Management")
Last year's tax return
Take control of your financial future and call me to discover your Roadmap.
FOR A FREE CONSULTATION
Morningstar Portfolio Risk Analysis
Social Security Optimization
Lifetime Income Planning
DROP & FRS Rollover
Ringgold & Associates
1415 Panther Ln
Naples, FL 34109