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Walter L. Sheffield III, JD, CFP®

Helping clients build a financial framework for real life

Armor Investment Advisors, LLC

Raleigh

NC

Contact Me

Overview

Services

Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
  • Portfolio Management
    • -Individuals and/or Small Businesses

Funds

Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
Armor Investment Advisors, LLC 13 years, 8 months Mar 2005 - Present
Law Offices of Walter L. Sheffield III PLLC 16 years, 7 months Apr 2002 - Present

Designations & Memberships

  • 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 Walter Sheffield

S Corporations and LLCs-Trusts
Published 2012-08-07 11:03:00
Go Ahead and Transfer Assets to your Trust
Published 2012-08-07 10:58:54
Risks for 401(k) Sponsors in 2012
Published 2012-08-07 10:54:10
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    My 401k does not match. The money market fund it offers charges me a hefty fee to park money in it and pays zero return (in these times of low interest). Can I stop contributing to the 401k and start putting that contribution into and IRA with a discount broker and maybe be able to invest in individ
    Your first question to HR or your benefits line should be whether your plan has a brokerage window feature. If so, you could invest in individual stocks without moving out of the plan. If the answer is no, then the second question should be whether the plan permits in-service withdrawals (and if y...  (more)
    Answered Oct 2012
    I'm getting divorced after 14 years of marriage and suddenly find myself out of 1/2 of my 401k savings. I'm 46 and need some advice on how to rebuild my retirement savings?
    First, try to identify your goals. Are they reasonable and attainable? Next, identify and prioritize the obstacles and risks to your goals. For example, income tax was an obstacle, in a sense, that you might have successfully dealt with by deferral in the past. Divorce, though, was a risk that w...  (more)
    Answered Aug 2012
    Life Insurance as an Investment?
    Life insurance should be purchased when the death benefit is needed. The cash value should not be considered an investment. Dividends or other returns on "investment" within the policy should be considered as part of the policy's ability to remain in force and to provide a death benefit late in li...  (more)
    Answered Aug 2012
    My employer offers target date funds in our 401k. How do these funds work?
    They are pre-mixed funds usually consisting of other funds ("funds of funds"). Get the ticker symbol and check the expense ratios. Very often, they are expensive in terms of annual expense ratios because the fund company charges a fee for mixing the funds contained in the target date fund, so you ...  (more)
    Answered May 2013
    I am a Verizon employee with roughly 150k in our 401k and contribute about 10% annually. I'm concerned about market instability for the next several months and am seriously considering going ultra conservative in my investments. Do you think this is a good/bad idea and do you have any other advice?
    I agree with Aram. To elaborate, the traditional wisdom is that when you abandon long term strategies without abandoning long term goals you have two chances to be wrong: When to get out and then when to get back in. My advice to 401(k) participants who are worried about short term market swings ...  (more)
    Answered Nov 2012
    I have a 401k plan with AON , I would like to keep my account there and have an outside advisor manage it without moving it from the company , is this permissible ?
    There are two ways that this could be done, assuming as John Benedict says that the investment adviser is permitted by his or her own firm to do it. The first way is if the Aon Plan has a feature called a "brokerage window" that takes you to a brokerage account permitted by the Plan. You could sele...  (more)
    Answered May 2013
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      SEC
      U.S. Securities and Exchange Commission
      • license status
        Registered
      • disclosures
        None
      • as of date
        Aug 2, 2017
      FINRA
      FINRA
      • license status
        Not registered
      • disclosures
        None
      • as of date
        Aug 2, 2017
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

      Assets

      Advisor

      Last updated on Nov. 3, 2017
        • $208.7M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 150
          number of clients
        • $1.4M
          Estimated Average Account Balance Per Client

      Armor Investment Advisors, LLC

      Last updated on March 14, 2017
        • $208.8M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 150
          number of clients
        • $1.4M
          Estimated Average Account Balance Per Client

      Fees

      Types of Compensation Arrangements

      • Percentage Of Assets
      • Hourly Charges
      • Fixed Fees