- -Comprehensive Financial Planning
- -Retirement Planning
- -College Planning
- -Charitable Planning
- -Other Financial Planning
- -Individuals and/or Small Businesses
Funds Used With Clients
Firm Client types
|Kestra Financial, Inc.||1 year, 6 months||Oct 2018 - Present|
|Kovack Advisors, Inc.||10 years, 9 months||Jul 2009 - Present|
|Kovack Securities, Inc.||9 years, 3 months||Jul 2009 - Oct 2018|
Designations & Memberships
Financial Services InstituteMembershipFounded in 2004, FSI is the only advocacy organization working on behalf of independent broker-dealers and independent financial advisors. Our vision is that all individuals have access to competent and affordable financial advice, products, and services delivered by a growing network of independent financial advisors affiliated with independent financial services firms. Our mission is to create a healthier regulatory environment for independent broker-dealers and their affiliated independent financial advisors through aggressive and effective advocacy, education, and public awareness. Our strategy supports our vision and mission through robust involvement in FINRA governance, constructive engagement in the regulatory process, and effective influence on the legislative process.
Kingdom AdvisorsMembershipKingdom Advisors is a community of Christian financial professionals integrating faith and practice for Kingdom impact.
Articles and Answers
Insights by Michael Pemberton
AnswersAsk a financial questionAsk a question
|How do I login to my investments?
It would call the company that your account is with. They will be able to give you the specifics of what site to log in at, how to set up a user name and password, and all the options you have once you are logged in. Another option, as Richard did a nice job of pointing out, is to contact the repr...  (more)
Answered Oct 2013
|I have a 401K plan with a company that is no longer in business. Where do I go to find out where I can find the monies.
I agree with Michael. The statement will provide you with a number most likely. If it doesn't, you can look up the company listed on the statement on the internet to obtain a phone number. This would be my first step. Michael Pembertonhttp://certusfg.com...  (more)
Answered Nov 2013
|How do you find out how to get your 401k plan from a company that is not in business anymore?
Todd,Urban makes some great points. On top of that, I'd say if you have a past statement I'd call the financial institution listed. They might be able to provide further insight on how to claim your account. Hope this helps.Thanks,Michael Pembertonhttp://certusfg.com...  (more)
Answered Aug 2014
|Just curious what options And percentages you recommend within my 401k...
Below is my current allocations.
As others have mentioned, determining your risk tolerance, goals, and time horizon would be the first step. As Nicholas mentioned, Morningstar has some great tools to help you develop an allocation based on your risk tolerance, time horizon, and goals. Morningstar's Lifetime Allocation indexes are...  (more)
Answered Dec 2013
|How do you deal with an IRS notice stating that you owe taxes on a trust fund disbursement that you did not receive?
Great answers from Curt and Kyle. I would also suggest going to the stepmother first. Hopefully she can help you in the next step. If she wasn't willing to help then I'd go to a CPA and then the attorney. Best of luck, Michael Pemberton, http://certusfg.com...  (more)
Answered Dec 2013
|My debts are overwhelming. What can I do?
Steven and Tunc make great points. It's overwhelming when you face all of the debt. I would build a plan. Then take it one step at a time. That plan would start with figuring out how much you spend per month and how you can live more simply. What expenses can be cut or reduced? It took a while...  (more)
Answered Sep 2014
Licenses & Conducts
Kestra Advisory Services, LLC
$29.0BTotal Assets Under Management
N/ATotal Assets Under Advisement
$296.8KEstimated Average Account Balance
Types of Compensation Arrangements
- Percentage Of Assets
- Hourly Charges
- Fixed Fees