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David Kleinik

David Kleinik

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Information

Other Names: David Gordon Kieinik, David Gordon Kleinik
Firm:
DBA:

Financial Advisor And Recruiter Jacksonville, Fl

Type: Dual Registration
Description

David Gordon Kleinik is a Financial Advisor at PFS Investments Inc. in Jacksonville, FL. David primarily manages accounts for individuals, corporations and small businesses. Also helps family's in the area of life insurance and debt solutions. This broker is registered with FINRA. This advisor's firm is SEC-registered.

David ...(see more)

Advisor Timeline

No timeline events available.
Experience
EmployerYearsDates
Primerica Advisors 7 years, 7 months May 2007 - Present
Primerica Financial Services 8 years, 4 months Aug 2006 - Present
F.S.C.J. 3 years, 9 months Aug 2006 - May 2010
Regency Elect 7 months Aug 2005 - Mar 2006
Double H 3 months May 2005 - Aug 2005
Highschool 8 years, 9 months Aug 1996 - May 2005
Exams
ExamSeriesPassed Date
Uniform Securities Agent State Law ExaminationSeries 63 05/24/2014
Uniform Investment Adviser Law ExaminationSeries 65 10/03/2011
Investment Company Products/Variable Contracts Representative ExaminationSeries 6 06/26/2007

Answers and Guides

Level 14 Level 14 Contributor 19 Answers and 1 Financial Guide

Top Answers

Answered Feb 03, 2012 near Jacksonville, FL
6 votes
Aleksandr, This may not be the answer you were looking for but, getting an auto loan with bad credit is not a good idea. There are business out there that claim they can help but they charge an arm, Leg, and Your firstborn for a car. the best solution ...(more)
Answered Feb 07, 2012 near Jacksonville, FL
4 votes
Travis, There is no right or wrong answer in this question whether you have separate or joint account is up to you and what works for the both of you. It really Depends on what your comfortable with I have met very successful couples that do both. What ...(more)
Answered Feb 08, 2012 near Jacksonville, FL
4 votes
Sidney, Make things automatic! I could only imagine how hectic a single moms life can get start or increase contributions to your 401k up to the match, then start a ROTH IRA (if you make less than approx $120k) then sit down with an advisor to figure ...(more)
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Top Guides

Living A D?e?b?t? Cash Lifestyle

Published Feb 14, 2012
3 votes
Living a cash cycle is a lifestyle not as common as it was in say the early 60’s but it is just as easy to do today. I will try to write this guide as ...(more)
*Answers and guides are provided without compensation.

Advisor Information

Articles/Publications

Forbes - Don't MakeThese Dumb Mistakes With Your IRA

February 22, 2012 - This Forbes Article discusses the importance of having a financial advisor and knowing the rules to your IRA to make sure you don't get hit with a penalty on your retirement money which could hurt your financial game plan. make sure you sit down with a financial advisor before making any adjustment to your 401k or IRA to ensure you don't hit a penalty landmine.

Kiplinger - Escape The Debt Trap

February 2012 - This Kiplinger article discusses the debt issue facing most Americans in today's economy and how to improve your debt situation as a financial advisor I see far to many clients facing to much debt and not enough savings which puts them behind their financial gameplan and slows their financial progress to retirement.

WSJ - 10 ways to get the most out of your IRA

February 21, 2012 - This Wall Street Journal Article discusses 10 ways to get the most bang out of your IRA of course discuss the options with you financial advisor before making any moves and your tax advisor. a financial advisor will be able to walk you through the proccess of consildating your 401k and IRA accounts.

CNN Money - Consumer bureau targets overdraft fees

February 22, 2012 - This CNN Money Article discusses a subject long overdue banks have been taking fees from their clients claiming they were "reporting fees" and pocketing the money instead in my eyes as a financial advisor who lives in Jacksonville, Fl a city with an average credit Card well above $18,000. banks don't need to any more fees to make money.

Smart Money - How To Rollover A 401k

May 24, 2011 - In this Smart Money article they discuss the option's ex-employees have when it come to their 401k account. In deciding what to do with their account the article recommends consulting with a Financial Advisor to assist them with the best decision. As a Financial Advisor I believe this article will serve as a 401k how to tool and gives the Pros and Cons of the 401k options, Like Cashing Out and Rollover's. Discussing the option with a Financial Advisor may save you a lot of time and misunderstanding.

Bankrate.com - Hidden 401(k) plan fees to be disclosed

This Article discusses the 401k changes effective in January of 2012 -Which Poses the question is your corporation ready for your employees to know what they pay for their 401ks?

Success Magazine - How long does it really take to pay off your credit card?

July 19, 2011 - 3 Years = 150 Months? Anytime you start with your family's financial planning a good Advisor doesn't just look at your asset's like 401k's and IRA's but also helps you establish a plan to get debt free.

Smartmoney.com - Whole Life Insurance Or Term?

January 1, 2010 - This Smart Money Article Answers Which is better Life Insurance for your family... Term Insurance which provides coverage for a Specific Length of Time (Term) until you nest egg or retirement account is built up to a point in which a death will not negatively affect you family financially

Wall Street Journal - Safe at Home? Not in a 401k?

NOVEMBER 19, 2011 - This Wall Street Journal piece discusses 401k plans that may have too much company stock. Also discussed are the dangers of unbalanced asset allocation including an over allocation of company-stock in 401k plans.

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Advisor Client Types

Individuals
Corporations or Other Businesses
Other
High Net Worth Individuals

*The Client Types data displayed has been entered by the advisor and has not been verified.

Licenses and Conduct

Regulator
License Status
Registered
Registered
Disclosures

No Disclosures Found

1 Final Judgment

As of Date
09/10/2014
05/26/2014
*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

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Types of Compensation Arrangements