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Advisor Services

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Funds

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
Capstone Global Advisors, LLC 4 years, 4 months Aug 2015 - Present
Catapult Corp 1 month, 4 weeks Jan 2014 - Mar 2014
Packback Inc. 10 years, 5 months Jul 2009 - Present
Fat Jack Hosting, Inc. 6 years, 1 month Jul 2005 - Aug 2011
Frontier Marketing International, Inc. 7 years, 5 months Mar 2004 - Aug 2011
Create A Better Life, Corp. 17 years, 5 months Jul 2002 - Present
Prepaid Legal Services, Inc. 17 years, 5 months Jul 2002 - Present
Raymond James Financial Services, Inc. 21 years, 4 months Aug 1998 - Present
Mercer Dba Mercer Global Advisors 24 years, 9 months Mar 1995 - Present

Designations & Memberships

  • National Association of Personal Financial Advisors
    Membership
    National Association of Personal Financial Advisors
    NAPFA, the National Association of Personal Financial Advisors, is the nation’s leading organization dedicated to the advancement of Fee-Only comprehensive financial planning. Consumers and the media look to NAPFA for access to financial advisors who meet the highest standards for professional competency, comprehensive financial planning and Fee-Only compensation.
  • XY Planning Network
    Membership
    XY Planning Network
    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
  • Certified Financial Planner
    Designation
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by Stephanie Bacak

Why You Spend Too Much
Published 2019-01-24 12:49:47
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    I quit my job about 3 months ago can I still get my 401k?
    Justin,If you have funds in a 401(k) that you deferred or employer contributions that you were fully vested in then the money is this there for you....  (more)
    Answered Feb 2019
    Can I close my 401k account temporary and withdraw all my money while I am still employed and under 40 years?
    Nicholas,Your plan documents might allow for a 401(k) loan up to 50% of your 401(k) account but you will have to pay it back. I recommend Reading a Dave Ramsey book. ...  (more)
    Answered Jun 2019
    How to start my 401k investment ??
    Jarrett,Are you an employee or business owner?Employees - talk to your HR person to find details on any retirement plan that is available and what the requirements are such as age 21 and maybe employed for a certain amount of time.Business Owner - This is not a place to learn from your mistakes! ...  (more)
    Answered Jun 2019
    Can i take a loan out of my profit sharing?
    Samuel,It really depends on the rules laid out in the plan document. You should have access to Summary Plan Description which will say if loans are permitted and in what cases they are permitted. If you don't have the document, contact your HR. ...  (more)
    Answered Jun 2019
    I have invested in 401 K plan, however I stopped receiving statements of my 401 K plan since last year?
    You should be receiving quarterly statements either online or paper depending on what was selected at enrollment. Have you moved or changed email address? Could the statements be in your email junk folder? If you don't find them there, contact your plan administrator to get your address updated....  (more)
    Answered Dec 2015
    I had an acct. 401k with ABM which now sold to Sharp. I did not do anything till now. Can my acct. be deleted? who? How?
    No, the cannot delete your account. I would contact the Sharp HR about your account. Are you still working for the company? If not, you could roll the 401(k) into an IRA account and have more control over it. However, you may have benefits to leaving the account where it is. This is something I...  (more)
    Answered Jan 2019
    I have a 401k retirement plan with Amec Foster Wheeler. I need to see my balance. Regards, B A Elkhodary?
    You should be receiving quarterly statements for your 401(k) account. It is nest to call the HR department and see if they have an old email and/or physical mailing address on file. I can discuss in greater detail if you contact me directly and discuss additional details...  (more)
    Answered Jan 2019
    I have multiple 4o1k plans who do I call to find out how many I have and how to cash them out?
    Each statement should have a phone number for a service department on it. If you haven't been receiving paper or email statements, call the HR department of each company....  (more)
    Answered Jan 2019
    What are the recommended options for reinvesting inherited IRA RMD. Looking at minimal risk options. Thank you.
    Once you meet your RMD for the year, you can invest the money in any taxable account that you choose. An interesting possibility is instead of taking a distribution of cash, taking a distribution of the appropriate value in securities (stock, bond, mutual fund) that goes directly to your taxable in...  (more)
    Answered Jan 2019
    Looking for phone numbers so I can speak to someone.
    770-954-8823...  (more)
    Answered Jan 2019
    RMD withdrawal?
    RMDs are important and if not taken can result in a penalty of 50% of the amount you were supposed to take out of your account. There is a specific minimum distribution based on your age and the value of the account and it is recalculated every year. Extra distribution this year does not get subt...  (more)
    Answered Jan 2019
    I would like to know how much is in my 401k and how would I access it, now that I am no longer working for Atlanticare?
    If you have an old statement, it should have a phone number that you can call to get updated information. If you need to update your mailing or email address they will likely need you to sign a form and return it to them. Some plans allow you to leave the funds in place and other plans require you...  (more)
    Answered Jan 2019
    HOW DO I ACCESS MY 401K PLAN?
    Jacqueline,You should be receiving statements quarterly by mail or email. If you are still working for the company, you can find out if they have loan provisions and if your need qualifies. Otherwise, if you take money directly out of the plan, you will have to pay a penalty of 10% plus taxes. T...  (more)
    Answered Jan 2019
    How can I look up all the pension plans (defined benefit plans) by a specific service provider or investment manager?
    Your HR probably gave you a summary plan description when you became eligible to join the plan. If you do not have those materials or the related website, Brightscope actually has a ton of plan information....  (more)
    Answered Feb 2019
    What are options on moving old pension fund money?
    There are no tax consequences for moving retirement funds from one account to another retirement account once a year. The release of funds from the former employer depends of the type of plan and how it is written. You say pension plan so I don't have information on whether it is a defined benefit...  (more)
    Answered Feb 2019
    Can I withdraw my 401k from Cocoa Inc?
    If you are still working there you might be allowed to take a loan from the 401(k). If you take the money completely out of the plan, you will be charged an IRS penalty of 10% and 20% in taxes will be held out for you. The Human Resources Department or the company that administers the plan can get ...  (more)
    Answered Feb 2019
    Is there a link I can open up and register to see my deceased husband's benefits I am to be getting?
    Jennifer, I am sorry for your loss. You will need at least one copy of the official death certificate in most cases to see and have access to the assets.Which benefits? Social Security has a website and you can view what they expect to pay and when. https://www.ssa.gov/planners/survivors/onyou...  (more)
    Answered Feb 2019
    How do i check the status of me being my father beneficiary and locate my account?
    John, I'm sorry for your loss. Often you will need to contact your father's financial advisor or employer with an Official death certificate. If you would like to discuss please email or call 770-954-8823.Sincerely, Stephanie...  (more)
    Answered Feb 2019
    Multiple HSA accounts?
    Unless each HSA Bank offers an advantage, two accounts will just complicate things for you. the reporting will be a mess and you might accidentally defer excess contributions and that could be expensive....  (more)
    Answered Feb 2019
    How would i be able to find out if a company i use to work for had a 401k for me?
    You should have received statements on any plans that you were a part of. Also for 401(k) only plan, you have to make a contribution to get a match. Profit Sharing Plans are money from the employer only. I would go back to old pay stubs or W-2s (Which should be in your tax return file), both docu...  (more)
    Answered Jun 2019
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      SEC
      U.S. Securities and Exchange Commission
      • license status
        Registered
      • disclosures
        2
      • as of date
        Feb 21, 2019
      FINRA
      FINRA
      • license status
        Not registered
      • disclosures
        None
      • as of date
        Oct 7, 2014
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

      Assets

      Capstone Global Advisors, LLC

      Last updated on Jan. 12, 2017
        • $64.3K
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 8
          Accounts
        • $8.0K
          Estimated Average Account Balance

      Fees

      Types of Compensation Arrangements

      • Percentage Of Assets
      • Hourly Charges