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Allan Henriques

Allan Henriques

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Information

Other Names: Allan Charles Henriques
Firm:
Smart Investor
Chief Compliance Officer
President
Type: RIA
Description

Allan Henriques is the President and Chief Executive Officer for Smart Investor, an independent, fee-only Registered Investment Advisor based in Rocklin, California. Allan and the Smart Investor team provide portfolio management and financial planning services to individuals, high-net-worth individuals, pension and profit-sharing ...(see more)

Advisor Timeline

No timeline events available.
Experience
EmployerYearsDates
LPL Financial LLC 1 year Sep 2009 - Sep 2010
Associated Securities Corp. 6 months Dec 2008 - Jun 2009
Dal J. Darrac & Co. Inc. 7 years Jul 2007 - Present
FSC Securities Corporation 7 years, 4 months Aug 2001 - Dec 2008
Smart Investor 13 years, 1 month Jun 2001 - Present
Smart Investor Services 13 years, 1 month Jun 2001 - Present
Exams
ExamSeriesPassed Date
General Securities Principal ExaminationSeries 24 12/03/1993
Uniform Securities Agent State Law ExaminationSeries 63 05/13/1987
General Securities Representative ExaminationSeries 7 07/19/1986

Answers and Guides

Level 18 Level 18 Contributor 7 Answers and 8 Financial Guides

Top Answers

Answered Jun 04, 2012 near Rocklin, CA
9 votes
It’s completely understandable that you’d want to help when friends or co-workers ask you for guidance. But when it comes to sharing investment or retirement planning advice, it’s best to proceed with caution. Your good intentions could expose you to ...(more)
Answered Feb 08, 2012 near Rocklin, CA
7 votes
Melissa, Without knowing the specific details of your situation, it’s hard to say whether you are a fiduciary or not. Based on the information you’ve provided, though, it sounds like you might be. Generally, there are a couple of things you can do to ...(more)
Answered Feb 21, 2012 near Rocklin, CA
6 votes
As a plan sponsor, the best way to prepare for the upcoming changes to 401(k) fee disclosures is to educate yourself about your company’s 401(k) plan now so that you can be sure you’re meeting your fiduciary duty and offering the best possible plan to ...(more)
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Top Guides

Are You a Fiduciary? Why You Need to Know if You’re a Retirement Plan Fiduciary

Published May 21, 2012
4 votes
If you’re not involved in making day-to-day decisions about your company’s retirement plan, you may think that rules about fiduciary responsibility don’t apply to you. However, it’s possible that you are a fiduciary and don’t ...(more)

Selecting Your Retirement Plan Advisor: A Checklist

Published May 21, 2012
2 votes
In view of the tremendous market volatility over the last several years and recent regulatory disclosure requirements, many business owners, who also serve as the “sponsor” for their company retirement plan, have recognized the importance ...(more)

Three Types of Fiduciaries?And Why Plan Sponsors Should Care

Published Mar 29, 2012
6 votes
Depending on the context, the term “fiduciary” can have different meanings. Although the Employee Retirement Income Security Act of 1974 (ERISA) defines six categories of fiduciaries, the three kinds of fiduciaries identified by the Foundation ...(more)
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*Answers and guides are provided without compensation.

Advisor Information

Articles/Publications

EBRI Study: Retirement Readiness Rises with Age, But Not By Enough

Sacramento-area 401(k) plan participants, in Smart Investor's experience, have a lot in common with average Americans. At least that's true in terms of average Americans as portrayed by the Employee Benefit Research Institute's (EBRI) 2012 Retirement Confidence Survey fact sheet, "Age Comparisons Among Workers."

Key Questions for Your Retirement Plan Provider, including the F-Word

Retirement plan providers all talk a good game. Plan sponsors need to ask smart questions to identify the best candidates. To help you, Smart Investor will present a series of posts listing key questions for your potential providers. Today's post focuses on questions about services such as investment advice, education, participant communications, recordkeeping, and custody.

After Occupy Wall Street, Occupy 401(k)?

Retirement plan sponsors, beware! The anger that fueled Occupy Wall Street and, closer to home, Occupy Sacramento and Occupy Stockton, could spread to the 401(k) world.

Retirement Plan Sponsors’ 401(k) Perceptions vs. Reality

Most plan sponsors don't feel the urgency of fulfilling their fiduciary responsibility to their defined contribution plans. There are three main reasons these business owners stick with their current plans, even if the plan has flaws that cost their employees

Allan Henriques Personal Story Video

Allan Henriques of Smart Investor tells his personal story and discusses the passion that drives him and his colleagues to do the best for their clients.

Your Employees Appreciate Your Company's 401(k) Plan

Every employer likes to feel appreciated. So you'll be happy to learn that employees appreciate that you offer a 401(k) plan, as reflected in results of repeated surveys conducted by the Investment Company Institute (ICI).

Why Investment Advice Isn’t Always “Investment Advice”

Common sense sometimes flies out the window in the regulation of retirement plans. For example, investment advice isn't always considered "investment advice" under the Employee Retirement Income Security Act of 1974 (ERISA). Assistant Secretary of Labor Phyllis C. Borzi explained this in testimony delivered on July 26, which appeared in an edited format in Investment News.

Your Employees Need Your 401(k) Encouragement

Simply setting up a 401(k) plan isn't enough. You need to educate your employees, too. At least that's what Smart Investor takes away from statistics on the gap between the amount people need for retirement and what they've actually saved in their 401(k) plans.

You Pay More for Your 401(k)

Participants in smaller 401(k) plans pay higher expenses on average than participants in larger plans, according to study results announced in a press release by Financial Research Corporation (FRC). But this may change as the result of greater awareness of costs.

Social Media

Firm Client Types

Individuals
High Net Worth Individuals
Pension and Profit Sharing Plans
Charitable Organizations
Corporations or Other Businesses
State or Municipal Government Entities

*The Client Types data displayed is firm level data as reported on the SEC ADV filing.

Licenses and Conduct

Regulator
License Status
Registered
Not registered
Disclosures

2 Customer Disputes

2 Customer Disputes

As of Date
07/16/2013
09/10/2013
*This advisor may not be SEC registered. The SEC maintains the database for state registered advisors as well as SEC registered advisors.
*A single dispute is often reported by both the SEC and FINRA and therefore will be reported as both an SEC dispute and FINRA dispute in this section.
*BrightScope is not endorsed by or affiliated with FINRA.

Advisor Compensation Arrangements

help text
Fee Only
Advisor

This advisor has certified that they are compensated solely by their clients, and do not accept commissions or compensation of any kind based on the products they recommend.


Types of Compensation Arrangements