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John Essigman

Fee-only Financial Planning, Investment Advisory, and Trustee Services

John Essigman Wealth Advisors, LLC

Cleveland

GA

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Overview

Services

Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
    • -Tax Planning
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Investment Companies
    • -Businesses or Institutional Clients
    • -Other Portfolio Management

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
Kudzu & Kooters, LLC 2 years, 4 months May 2012 - Sep 2014
John Essigman Wealth Advisors, LLC 7 years, 11 months Aug 2011 - Present
John Essigman Wealth Advisors LLC 7 years, 11 months Aug 2011 - Present
Gradient Securities, LLC 1 year, 4 months Aug 2011 - Dec 2012
Bryson CPA 1 year, 11 months Jan 2011 - Dec 2012
Diamond Mortgage LLC 1 year, 4 months Jun 2010 - Oct 2011
John Essigman LLC 10 years, 10 months Sep 2008 - Present
Money Concepts Capital, Corp 2 years, 11 months Sep 2008 - Aug 2011

Designations & Memberships

Membership information not available

Articles and Answers

Insights by John Essigman

There is no such thing as a free lunch!
Published 2015-03-11 10:10:14
Equity Linked CD
Published 2014-10-18 05:34:07
Hard Money
Published 2014-10-07 05:59:55
Clark Howard Stinks!
Published 2014-09-26 08:13:51
Pensions & Annuities
Published 2014-09-25 12:05:01
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    What paperwork do I need to file to receive my half of 401K post divorce? Do I need a lawyer for this?
    Hi Hondrea,Very sorry to hear about your divorce… I know that this is a painful time for you and wishing you and your family a speedy recovery.You are not clear if the 401(k) belongs to you or your former husband. In either case, call the custodian and ask what they need from you as they all hav...  (more)
    Answered Oct 2014
    Can I hold the California Ironworkers Pension Trust Fund responsible for not adhering to there policies/due process?
    Hi Jean,Very sorry to hear about your divorce and this just adds to the pain.First thing is that I am a financial advisor and not an attorney… So, I would recommend that you contact an attorney who specializes in pension law.Short of this, suggest you speak directly with a manager at the pension...  (more)
    Answered Oct 2014
    How can i find out how much i can borrow from my 401k??
    Hi PhillipEvery plan is different and is governed by the plan document. You can get a copy from your benefits administrator, your H/R department, and/or the custodian. Most plans allow you to borrow up to 50% of the amount in your account up to a maximum of $50k. Some plans allow multiple loans,...  (more)
    Answered Apr 2015
    How would I find out where my 401k was moved to?
    Vanguard may not know who the new plan administrator or custodian is but they would certainly know where the funds were transferred. Call them and request the name and address of the plan administrator. The funds may have been transferred to a bankruptcy trustee. You can also check with the US D...  (more)
    Answered Oct 2014
    Where can I get a loan if I have a bad credit?
    Hi Larisa,There are no easy fixes to excessive debt, particularly credit card debt. I would be very careful about obtaining a new loan to pay off credit cards as it does not fix the root cause and may compound the problem. Using a home equity loan may place your home at risk as you are exchanging...  (more)
    Answered Oct 2014
    Why would a company enter into a futures contract to sell more of a commodity than it expects to produce?
    Hi John,The other side of your question is why would someone enter into a contract to buy something that has not yet been produced? In business, why does anyone buy or sell anything? In anticipation of a profit or to limit losses.In the case of futures, it gets even weirder in that very few cont...  (more)
    Answered Oct 2014
    I have a very good company sponsored 401k. The company was paying the matching funds as company stock.
    Qualified plans and IRA’s are generally tax neutral to the owner. If the company stock is inside your 401(k) these transactions are, for the most part, non-taxable events. Taxes usually do not apply until you take distributions, which are taxed as current income. You have either been fortunate or...  (more)
    Answered Nov 2014
    Hello and good day I am seeking to know if I can direct my invest monies to metals?
    JohnI am in agreement with William Tucker and John Myers… Be careful, seek professional guidance, and don’t bet it all on metals. If you are sensing that you will not have sufficient savings for a comfortable retirement then start changing things now as there are no shortcuts. Reduce your expense...  (more)
    Answered Nov 2014
    I'm the only employee of my S-Corp and am trying to ascertain whether it's worth having both a Solo 401k & a SEP IRA.
    Hi Samuel,I generally agree with Jeremy. The larger question… what are you trying to accomplish? There are other alternatives if you are seeking to improve or maximize tax efficiency. These would include muni’s, income producing real estate, and certain types of leases. There are literally lim...  (more)
    Answered Nov 2014
    Hello I worked for GDX Automotive for 6 yrs. with pension benefits can I cash out any funds now at age 47 and how.
    Hi William.Maybe. Every pension plan is different in how it operates and what it allows. Some plans will allow you to take a lump-sum, which can then be rolled-over into an IRA or 401(k) plan. Be aware that if you take a lump-sum and do not roll it over properly that you may be subject to the 1...  (more)
    Answered Apr 2015
    How can I take out my funds?
    Hi Paul,This is a very broad question and you are not giving us much information. In short, it depends on what type of retirement plan you currently have. Speak with your H/R Department, benefits coordinator, or plan administrator regarding your plan. Pensions may allow a lump sum distributions o...  (more)
    Answered Oct 2014
    Should I take the lump sum, invest some, or use some of it to reduce the interest on my home mortage?
    Hi BelindaWell… it depends. Generally speaking, money in hand today is worth more than money in the future. $92k earning 3% would equate to $107k in 5.5 years. You will certainly be better off if you can earn more than 3%. However, will you actually be able to achieve this within your risk tole...  (more)
    Answered Dec 2014
    I believe I put 2 times or 40% in my 401k At Motorola 1979 -1991 , How can i find out about ,Information ?
    Wow, that was a long time ago… the 401(k) was in its infancy in 1978. Call Motorola and speak with the H/R Department, benefits coordinator, or plan administrator regarding your plan. Motorola has several plans so you may need to call all of them.. http://www.brightscope.com/ratings/?q=motorola...  (more)
    Answered Oct 2014
    I have 401 k out there from other jobs how can i find it and borrow from it?
    Hi Joseph,Maybe. Every 401(k) is different and is governed by the plan description. Some plans allow loans while others do not. Most plans do not allow loans once you leave their employment and generally require the loan be repaid within a certain time period after employment ends. It the loan is ...  (more)
    Answered Dec 2014
    What happens with my mother-in-law's 401k if she passes away and we can't find paperwork?
    Hi Roxie,Very sorry about the loss of your mother-in-law. Generally a 401(k) would pass to the surviving spouse unless the spouse signed-off on a different beneficiary. Most custodians and life insurance companies will not speak with you or anyone else other than the beneficiary or the executor....  (more)
    Answered Jan 2015
    Can I cash in my retirement?
    Hi Debbie,Maybe. We really need more information. If you are referring to a 401(k) then generally yes if you are no longer employed by that company. There are various restrictions that may apply depending on the Plan Document. If you are referring to an IRA then again yes. An annuity might al...  (more)
    Answered Jan 2015
    Can I use my 401K to pay up the bankruptcy arrears without penalty?
    Hi Elizabeth.So sorry for your family troubles… Although losing your home is considered a financial hardship and may allow you to take a distribution from your 401(k), it will likely still be subject to the 10% penalty and will still be a taxable distribution. Your plan may or may not allow you t...  (more)
    Answered Nov 2014
    What is your monthly mortgage payment? If you buy two points for a rate of 5 percent, how much would you save monthly?
    Hi Ariana,Your question is not clear… How much would you save as compared to what? Are you saying that your mortgage is being offered at 7.5% and you can buy that down to 5.5%? Or are you saying you can buy it down from 5.5 to 5%? At what cost… What are the points being calculated against? A...  (more)
    Answered Nov 2014
    My exhusband as of two weeks went through his 401k was he allowed to do this ? He is 64?
    Hi Jacqueline,Very sorry to hear about your divorce and wishing you and your family a full recovery.I am not an attorney and am not qualified to give you legal advice. Joseph made some good points. However, it may not be applicable if the divorce has already been finalized.You did not provide m...  (more)
    Answered Nov 2014
    I have indexed universal life insurance for me and my kids with national life group. Is this a good idea?
    Hi Anne,I would agree with William... and would add that life insurance can be a very complex product. Among other things, it can be used as income protection should the insured pass prematurely, it can be used as a source of retirement income, or used as a way to help pay estate taxes. It can be...  (more)
    Answered Oct 2014
    Is Real Estate a good asset to invest in?
    Hi Kirk,Asset classes are neither good or bad. There is a place for each asset class depending on various details …Your question requires exploring some significant details such as your age, overall financial position, your income level and other investments/savings, correlation to other investme...  (more)
    Answered Apr 2015
    How old do I need to be to collect my pension?
    Hi Marjorie,Generally speaking… when you turn 65. However, every plan is different and some allow you to begin distributions much earlier. Possibly as early as 55. Pensions payouts are generally taxable as current income.Some pensions allow a lump-sum distribution to you directly or as a roll-o...  (more)
    Answered Oct 2014
    I own two rental houses. I was thinking about selling one.
    Hi George,Before we inquire about capital gains… do you have a long-term gain, short-term gain, and how large is it? When did you buy the rental property and what is your cost basis. There has not been much noise recently about 1031 exchanges given that real estate values have tanked about 20% n...  (more)
    Answered Dec 2014
    I worked for ARS National Services back in 2007/2008 & I wanted information about my 401k?
    Hi Monique.Suggest you contact Human Resources or the Benefits Administrator with ARS National Services. You can also contact the plan sponsor or administrator. Follow this link for address and phone numbers. You may be able to access your account on-line as Fidelity Investments is the custodia...  (more)
    Answered Nov 2014
    I have a Roth IRA and the wife wants one too. Max out contributions to one Roth IRA or split that money btw 2 IRA's?
    Michael and Phillip both make good points. This is something that you should discuss in detail with your advisor. Generally speaking, fees can be negotiated. Cost is always a major factor to consider and it will partly depend on which custodian is being used, size of the account, and who is manag...  (more)
    Answered Sep 2014
    I need a copy of my personal retirement statement?
    Hi Luis…Not clear what type of statement you are looking for. 401(k), 403(b), 457, ESOP, IRA, annuity, social security… Warmest regardsJohn Essigmanwww.bluecreek.net...  (more)
    Answered Apr 2015
    Buy a house, or max out 401k?
    Hi Cyril,Agree with Peter but only to a point. Having savings and investment dollars both inside and outside of a qualified (401, IRA, etc) will provide some flexibility. Certainly continue to max out your 401(k) match but don’t do more than that as tax rules surrounding the 401(k) platform may pr...  (more)
    Answered Dec 2014
    How do I get a copy of my retirement plan? I work at Schnucks Markets?
    Hi Tony,I was not able to find Schnucks Markets on this web portal. They may be a subsidiary of a larger company. Some companies do not offer a retirement, profit sharing, or pension plan. Suggest you call your H/R Department or benefits administrator.Good luck...  (more)
    Answered Nov 2014
    How do I withdrawal money?
    Hi Raul,We need more information...It depends on the type of account, your age, and your employment status. It depends on the type of plan and what the plan allows.RegardsJohn Essigmanwww.bluecreek.net ...  (more)
    Answered Apr 2015
    If I receive monthly payments on retirement plan can I roll any of that plan into a IRA account.
    Hi Timothy,Very sorry to learn about your health issues but good to hear that you survived cancer. We really need more information… What type of retirement plan are you referring to? Many defined benefit retirement plans are similar to an annuity that has been annuitized. Once distributions beg...  (more)
    Answered Dec 2014
    Is an indexed life insurance policy a viable option for a high income earner who is a wage earner?
    Hi Daniel,Life insurance does indeed provide a flexible alternative or supplement to maxed out retirement plans. You have made an astute observation “how does my cost compare to a taxable account”. Absolutely explore other tax efficient alternatives such as annuities or real estate. My recommen...  (more)
    Answered Dec 2014
    Are cash gifts taxable to the recipient?
    Good job John Myers... I see this often where the $14k annual limitation is quoted without further clarification about the "mechanics" of the lifetime maximums. I think many folks limit their gifting to the $14k believing that they will owe tax if they give more. I think that the lifetime gift ta...  (more)
    Answered Jan 2015
    How do i find out how much retirement i have even if i no longer work at m-tek?how do i go by getting it .
    Hi CaleciaNot certain if you are referring to a pension plan or a Qualified Plan such as a 401(k). Every pension plan is different in how it operates and what it allows. Some plans will allow you to take a lump-sum, which can then be rolled-over into an IRA or 401(k) plan. Be aware that if you ...  (more)
    Answered Apr 2015
    In my divorce decree it states I get half of what he has in his 401 k how do I find out how much he has in it?
    Hi Colleen,If your divorce has been finalized then you may be able to send the 401(k) trustee a copy of the QDRO and request information. Otherwise, it is highly unlikely that the trustee or administrator will share any information with you as it is considered confidential. Do not delay on the Q...  (more)
    Answered Nov 2015
    How do I get my money?
    Hi Missy,You will need to provide more information...Regards, John Essigmanwww.bluecreek.net ...  (more)
    Answered Nov 2015
    How do I get my money and get someone to answer my questions?
    Hi Missy,You need to provide more information... or call my office (706) 865-0121 or one of the many fee-only advisors available to you through this web portalRegardsJohn Essigmanwww.bluecreek.net...  (more)
    Answered Dec 2015
    15 yr Fixed v 30 yr Fixed mortgage?
    Hi Colin,I would agree with Curtis … you can always pay more on your mortgage if you choose to do so. However, should some emergency or calamity befall your family, you will not be able to pay less if you are locked into the 15 year mortgage payments.You can certainly pay more on the principal, w...  (more)
    Answered Apr 2015
    Im not sure how to read my statement?
    Hi Linda,You are not alone. Investment and insurance policy statements are horribly confusing. You are welcome to send me a copy and we will see if we can help you. An alternative is to call the custodian that produces the statement and have them walk you through it.Warmest regardsJohn Essigma...  (more)
    Answered May 2015
    Is United Parcel Service plan information correct?
    Hi Joseph,Brightscope shows form 5500 for plan year 2013 with Fidelity as the custodian, so the information is somewhat dated. I was associated with ING some years back and we used Pershing LLC as our custodial platform. Voya may very well be the advisor or manager with Fidelity serving as the t...  (more)
    Answered Mar 2015
    I'm fixing to pay $500.00 to my ex-husbands lawyer for a QDRO because judge awarded me half of his 401k. My ex refuses to show me a recent statement from t rowe price showing me the balance in the account. Will the plan administrator give me this information?
    Hi DetriGenerally agree with Herbie... the QDRO should be detailed in the divorce decree and that is really all you need to move forward. Call the Plan Administrator or T Rowe Price to find out what you need to do to setup your own account. Not clear why you would need to pay anything to your fo...  (more)
    Answered Oct 2014
    I have a trust found for school set up and i am going to school and i am not getting any help, what should i do?
    Joe,Very sorry to hear about your troubles. Larry makes some very good points assuming that the trustee is serving your best interests. Sometimes banks and trust officers don’t do the right thing but a trust gives them broad powers and discretion that can be interpreted in a variety of ways.I se...  (more)
    Answered Dec 2014
    What do I do with my annuity? At 30 years old I could use it to pay down my house or switch it to a 401k I control.
    Looks like you have been carefully managing your finances… kudos!If your mortgage company allows it, pay the mortgage twice per month rather than once per month. You don’t pay more you just make a payment more often. Doing this will cut roughly 7 years off of a 30 year mortgage.Not clear but it ...  (more)
    Answered Oct 2014
    I was awarded ,half of my ex spouse pension .Through Qdro, would I have to wait until he retire to do rollover to Ira?
    Hi,I would suggest that you proceed with your QDRO as quickly as possible. Your portion of the pension, IRA, or 401(k) is rightfully yours. It is possible for your former spouse to pass away, remarry or simply liquidate the entire account thus making a QDRO much more complex or difficult to enf...  (more)
    Answered Aug 2015
    How can I get my money?
    Hi Alfreda,This is a public, on-line forum related to financial issues... Such a letter did not originate from from this site.I would suggest that you contact the company or organization that sent you the letter. An alternative is to contact the Human Resource departments of former employers or...  (more)
    Answered Aug 2015
    I have a 401k plan with festiva resorts Ellington. I need to know the amount and how I can these funds transferred .
    Hi Roderick,This is a very broad question and you are not giving us much information. In short, it depends... Speak with your H/R Department, benefits coordinator, or plan administrator regarding your plan as every plan is different. A 401(k) may allow a lump-sum or in-service withdrawal if you a...  (more)
    Answered May 2015
    Am i available for a 401k loan ?
    Hi Richard,Maybe. Every 401(k) is different and is governed by the plan description. Some plans allow loans while others do not. Contact your employers H/R Department, benefits administrator, or the custodian and request a copy of the Summary Plan Description. You can also simply ask them if yo...  (more)
    Answered Dec 2014
    401(k) withdrawal forms?
    Hi Julia,You will need to contact your employers H/R Department, benefits administrator, or the custodian for withdrawal forms. Many custodians allow you do to this on-line. Your post does not go into much detail so be aware that withdrawals may be taxable, may incur penalties depending on your ...  (more)
    Answered Dec 2014
    Is it better to roll my old 401K $ into my new job's program or combine with my wife's for high $? Both are strong co's?
    Hi Dia,As Thomas has described, IRA and 401(k) accounts belong to an individual person. They generally cannot be combined or comingled with the exception of a spouse inheriting an IRA, which can be claimed as their own if they so choose. Therefore, your options are to leave your 401(k) where it s...  (more)
    Answered Dec 2014
    How do I find my 401k plan and get my money when fully Disabled?
    Hi Todd,Very sorry to hear about your disability… contact your employers H/R Department, benefits administrator, or the custodian for withdrawal forms. Many custodians allow you do to this on-line. Your post does not go into much detail so be aware that withdrawals may be taxable, may incur penal...  (more)
    Answered Dec 2014
    PleaSE explain how a beneficiary can have access to their husbands 401k.
    Hi Tasha,An IRA or 401(k) belongs solely to an individual. Beneficiaries cannot gain access or receive information until a death certificate or probate documents have been supplied.As stated previously by Christopher, you may need a special form, a power-of-attorney, or both to gain access. Ofte...  (more)
    Answered Oct 2015
    Between stock options and owning stock out right, if I need fast cash, which of these two would be better to hold onto.
    Hmmmm....If you need fast cash then I would suggest a separate cash account or emergency reserves. Frankly, stocks or options are generally a poor choice if you need liquidity.RegardsJohn Essigmanwww.bluecreek.net...  (more)
    Answered Oct 2015
    I have 466K in a 403b thru my employer in a 2025 moderate model. Should I use Morningstar to manage?
    Hi Teri,I am in agreement with Mitchell and David. The performance of your portfolio will depend on what the economy does, how the markets react to it, and how you react when you look at your statements.I am not a big fan of target date funds although they may be better option than guessing on wh...  (more)
    Answered May 2015
    How do I get a complete disbursement of esop funds from the bpi esop. I am in jeopardy of losing my home.
    Hi Jesse,Very sorry to hear about your financial troubles… they is certainly overwhelming.First, consult with your bankruptcy attorney before attempting a distribution from an ESOP to understand the implications of these funds becoming liquid. You may want to consult with a fee-only advisor regar...  (more)
    Answered May 2015
    Can a child of a deceased past employee receive his pension funds?
    Linda,Very sorry to hear about the loss of your son… I know how hard this must be for you.In terms of your question, a power-of-attorney ceases at death. You must either be the executor or beneficiary of the policy or plan in question, otherwise Wonder Bread will not discuss it with you as it is ...  (more)
    Answered Dec 2014
    How do I find out how much money is in my retirement account?
    Hi Naomie,You will need to contact your employers H/R Department, benefits administrator, or the custodian. Many plans allow you to access your accounts on-line. Best wishes...  (more)
    Answered Dec 2014
    Does anyone know what company York International, LLC 401k is handled by?
    Hi Brian...You can find more info regarding this company... http://www.brightscope.com/form-5500/basic-info/2894267/York-International-Llc/15556578/York-International-Llc-401k-Salary-Savings-Plan/2013/...  (more)
    Answered Oct 2014
    Alaska Union member divorced with 401k employer contributions dro qualified by out of state lawyer without license 2x $?
    Jonathan...Very sorry to hear about your divorce and QDRO difficulties. Once funds leave your account or plan it can be very difficult to get them back.Suggest you hire a pension lawyer to help you resolve this issue. I would also suggest that you file a complaint with the Department of Labor an...  (more)
    Answered Nov 2015
    I have paid a penalty for not having health insurance for 2014.Is that a deductible item for 2015?
    Hi Alka,Sorry but no... fines and penalties are generally not deductible.Warmest regards John Essigman www.bluecreek.net ...  (more)
    Answered Nov 2015
    If I purchase a retirememt home as a secondary home, would the first buyer home credit still apply?
    Hi Edwin,You have answered your own question. A second home would not qualify as a first time home. I am not aware of any tax credits for any first time home buyers although I do believe that there are some mortgage products for first time buyers.$10k from a 401(k) fund may be used for a first t...  (more)
    Answered Apr 2015
    Receiving mothers 401k/profit sharing plan?
    Hi Alex, Consider consulting with a fee-only advisor as many of us are skilled and getting funds transferred out of employee benefit plans. You may also want to consider filing a complaint with the Department of Labor and FINRA.U.S. Department of Labor, Employee Benefits Security Administration, ...  (more)
    Answered Nov 2015
    Where can I get information on an old 401K account from the 90's when I have pretty much NO information?
    Hi Billie,Generally speaking, all accounts would be moved from an old 401(k) provider to the new. Therefore, start your search here. Call the H/R or Benefits Administrator and find out who the current carrier is then call that carrier. You may be able to find the 401(k) provider by searching for...  (more)
    Answered Oct 2014
    I'm finding a good and economic CPA?
    Hi Oreste,I don't do tax returns myself but I do have a solid network of very fine, reasonably priced tax professionals and CPA's. Call or email my office so that we can evaluate your needs and find a good match for you. RegardsJohn Essigman(706) 865-0121www.bluecreek.net...  (more)
    Answered Mar 2015
    I just want to enroll. Can't find that on this website.
    Hi JanetNot certain what you want to enroll into so please be more specific. Generally speaking, enrolling into your company’s 401(k) or SIMPLE will require the assistance of someone in your benefits or H/R Department..Warmest regards John Essigmanwww.bluecreek.net ...  (more)
    Answered Apr 2015
    I would like to check on the status of my 401K plan that I had from my time as an employee with Berg Electric..
    Hi MatthewSuggest you contact the Bergelectric Human Resources Department or the Benefits Administrator. An alternative is to call the plan administrator directly or if you have an old statement, call the custodian.http://www.brightscope.com/form-5500/basic-info/423245/Bergelectric-Corporation/69...  (more)
    Answered Oct 2014
    How do I find out how much money a month I will be collecting through my pension?
    Hi Gnessa,Very smart to be thinking ahead but be careful. Highly recommend that you engage a fee-only advisor to join into your conversation on planning. Are you referring to “budgets” in terms of your current standard of living or in terms of income streams? If you are moving into retirement a...  (more)
    Answered Oct 2014
    How do it find out my annual statement from Moses Taylor?
    Hi Lindsey,You should be receiving a monthly or quarterly statements. Suggest you contact the benefits administrator or the H/R department for Moses Taylor.Warmest regardsJohn Essigmanwww.bluecreek.net...  (more)
    Answered Apr 2015
    What is the best choice for a prior employer's pension fund payout at age 56 - leave it or invest it?
    Hi Mary,I would agree with Ryan that there are many things to consider. As a general rule and if the plan allows it, I would take a lump-sum and roll it over to an IRA or annuity that we can monitor and control. The reason is that many pension plans have failed or are in trouble. The PBGC that i...  (more)
    Answered Sep 2014
    How do withdraw my 401k contributions?
    Hi Cobi,Suggest you contact the benefits administrator or the H/R department for your current or previous employer or call the custodian directly. Generally speaking, distributions from a 401(k) is taxable income and is subject to an early withdrawal penalty if you are under age 55. You will not...  (more)
    Answered Apr 2015
    How do i fund out how much is in my abnuity?
    Hi Lou,You should be receiving a monthly or quarterly statements. Suggest you contact the benefits administrator or the H/R department for Moses Taylor.Warmest regards John Essigman www.bluecreek.net...  (more)
    Answered Apr 2015
    How do I withdraw my 401k contributions?
    Hi Cobi,Suggest you contact the benefits administrator or the H/R department for your current or previous employer or call the custodian directly. Generally speaking, distributions from a 401(k) is taxable income and is subject to an early withdrawal penalty if you are under age 55. You will not b...  (more)
    Answered Apr 2015
    I used my 401K for a primary purchase. I own another home 220 miles away and will use this one as my primary?
    Hi Angela...Very sorry that you have received bad advice. However, I am not clear what you are asking... please elaborate or provide more details.Regards John Essigman www.bluecreek.net ...  (more)
    Answered May 2015
    If I am planning to resign from local 770; what do I need to know about my pension?
    Hi Elizabeth,I agree with Darrin… as he stated, the issue is complex and there are no do-overs. I generally recommend that people take a lump-sum if that option is available. Pensions suffered greatly in the most recent economic downturn and many are still in trouble. You may find this article ...  (more)
    Answered Sep 2014
    As part of the divorce settlement I am to receive 70,000 from my ex-husband's 401K.
    Hi Dawn,Very sorry to hear about your divorce… I know that this is a painful time for you and wishing you and your family a speedy recovery.Call the custodian holding your former husbands 401(k) and ask what they need from you as they all have varying requirements.You will likely need a Qualified...  (more)
    Answered Nov 2014
    How do u get 401k?
    Hi Joseph,Some employers provide a 401(k) or similar type of qualified retirement savings plan for their employees. Check with your H/R department or benefits administrator to see what type of plan, if any, they provide. If they do not provide one they are welcome to call us or any of the many qu...  (more)
    Answered May 2015
    Can i ask for my retirement in full?
    Hi Floyd,This is a very broad question and you are not giving us much information. In short, it depends on what type of retirement plan you currently have. Speak with your H/R Department, benefits coordinator, or plan administrator regarding your plan. Pensions may allow a lump sum distributions or...  (more)
    Answered May 2015
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

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      U.S. Securities and Exchange Commission
      • license status
        Registered
      • disclosures
        None
      • as of date
        Sep 2, 2018
      FINRA
      FINRA
      • license status
        Not registered
      • disclosures
        None
      • as of date
        Sep 2, 2018
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

      Assets

      Advisor

      Last updated on Sept. 3, 2018
        • $7.7M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 88
          number of clients
        • $87.0K
          Estimated Average Account Balance Per Client

      John Essigman Wealth Advisors, LLC

      Last updated on June 28, 2017
        • $7.7M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 117
          Accounts
        • $65.4K
          Estimated Average Account Balance

      Fees

      Fee Only Advisor
      $
      This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.

      Types of Compensation Arrangements