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Overview

Services

Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Tax Planning
  • Insurance
    • -Life Insurance
    • -Long-Term Care Insurance
    • -Annuities
    • -Business Insurance
    • -Other Insurance
  • Pension Consulting
    • -401k
    • -403b
    • -457
    • -Defined Benefit
    • -Other Pension Consulting
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Investment Companies
    • -Businesses or Institutional Clients

Funds

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
The O.N. Equity Sales Company 11 years, 4 months Jun 2007 - Present
Ohio National Financial Services 14 years Oct 2004 - Present
Mass Mutual Life Insurance 17 years, 4 months Jun 2001 - Present
Guardian Life Insurance Company 26 years, 3 months Jul 1992 - Present

Designations & Memberships

  • American Association of Individual Investors
    Membership
    American Association of Individual Investors
    The American Association of Individual Investors is a nonprofit organization with about 150,000 members whose purpose is to educate individual investors regarding stock market portolios, financial planning, and retirement accounts.
  • Association of Independent Financial Advisers
    Membership
    Association of Independent Financial Advisers
    AIFA is the voice of the IFA profession. We are here to represent the interests of our membership to the regulator and those policy makers who have an impact on the IFA market place and the business operation of IFAs.
  • Financial Planning Association
    Membership
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • Chartered Advisor for Senior Living
    Designation
    Chartered Advisor for Senior Living
    Designees are knowledgeable of the unique needs of older clients including the financial, psychological, and sociological issues surrounding the senior community.
  • Chartered Advisor in Philanthropy
    Designation
    Chartered Advisor in Philanthropy
    The International Association of Advisors in Philanthropy, Inc. is a forum of professional advisors who are dedicated and inspired to teach and empower clients to effectively direct their philanthropic resources consistent with their deepest values.
  • Chartered Financial Consultant
    Designation
    Chartered Financial Consultant
    Invididuals holding this designation understand the fundamentals of financial planning, including income tax, insurance, investment and estate planning.
  • Chartered Life Underwriter
    Designation
    Chartered Life Underwriter
    A prestigious 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 Andrew Ullmann

Spouse Life Insurance a necessity
Published 2016-01-09 08:27:06
Special Needs Planning for Family Member
Published 2013-01-09 20:45:25
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    How do i find my 401k balance?
    Refer to your quarterly statement provided by your 401k provider. If you no longer work for the company you can refer to old statements and call the 401k provider which was used by your employer and call them on the 800 number provided on the statement. After answering a few security questions; most...  (more)
    Answered Jan 2013
    Is it OK to have multiple financial advisors each managing a portion of my assets?
    His money, her money and our money has to be reviewed as to how it meets each individual's personality, goals, objectives and trust. Arizona is a community property state, however there may be a reason to keep assets from a previous marital status (whether married or not) as sole and separate proper...  (more)
    Answered Jan 2013
    Am I saving enough for retirement?
    Probably not if you are the average USA worker. It does not matter whether you are blue collar, white collar or professional. If you want to maintain a certain lifestyle there are two options save more than you are currently saving or work longer than age 65. If you are asking the question you alrea...  (more)
    Answered Jan 2013
    How can I raise investment capital for my startup?
    Make a business plan and determine if you might be a minority business person, i.e. female, ethnic, disabled, Once you have a complete well thought out business plan in hand head over to the small business administration to present your case. Your local university can assist, since most have busines...  (more)
    Answered Jan 2013
    I am the CFO of my company and we offer a 401k plan, how do I know if I am a fiduciary?
    You are in all likelihood a fiduciary. The term is quite often misunderstood as to what constitute a fiduciary. Generally if you are the CFO it is a treacherous path that you tread. Most certainly the trustee of the plan (usually the company owner) is held liable however whomever he depends upon for...  (more)
    Answered Jan 2013
    What exactly is estate tax?
    No you cannot avoid it if you meet the threshold of the current estate tax legislation in effect when you die. Remember the estate tax has been repealed and re-instated 3 times. It has been changed numerous time. There are stategies which you can put in place considering the assets you own, the owne...  (more)
    Answered Jan 2013
    For the last few years when we do our taxes AMT gets triggered. Been to several accountants and they all say that there isn't much we can do to lessen the impact. We heard that a tax advisor or an enrolled agent might be more knowledgeable. Suggestions?
    Several items are used in AMT calculations. These items are called preference items which should be avoided such as muni-bonds, LP's the list is extensive. In 2013 this will improve since Congress fixed the AMT problem which affected quite a large part of the population. The new exemption amount wil...  (more)
    Answered Jan 2013
    What's the best age to buy long-term care insurance?
    The correct age is when you start your retirement planning. You will realize that health care costs are enormous. The figure used in calculating the amount of assets required to fund long term care is $230,000. Once you review your assets and projected income at retirment you have to decide if you w...  (more)
    Answered Jan 2013
    Should both spouses have life insurance coverage?
    Life Insurance isn't just for dying, this is the byproduct of financial entertainers leading the discussion on life insurance. True financial planners look beyond the dying aspect. It is useful during your lifetime if you become disabled, send children to school, supplement retirement income, philan...  (more)
    Answered Jan 2013
    How do I determine traditional 401 vs. ROTH 401?
    The tax rate will be the same today as it will be 20 years is extremely naive. The tax code changes almost on an annual basis, when considering phase in over previous tax acts. Pay your taxes today & look forward to a tax-free source of income. It will not matter what the tax rate is for this so...  (more)
    Answered Jan 2016
    Can i cash my 401 k out?
    Cashing out a 401k is a desperate act. You do not mention if you are working, ill or disabled, these facts will alter whether the net effect of the transaction with be onerous. The previous cautions are all valid ...  (more)
    Answered Jan 2016
    What's the best strategy for a charitable donation?
    Look to the assets that will create the largest taxable eveñt. Use those assets for your contributions from these assets. Life insurance $ annuities basis in these contracts will be your contribution ...  (more)
    Answered Jan 2016
    My dad passed Jan 27 2015 and did not file taxes on his retirement or ss for 2014 or 2015 can I file on it since I'm POA?
    IRD Income in respect to a decedent is what you are describing. Taxes are due on this income. Often when a decedent has a retirement plan the taxes in some cases can be greater than the estate tax (if any). File the individual Form 1040, assuming he is not a business owner and has a business entity ...  (more)
    Answered Jan 2016
    Can I claim my 26 year old as a dependent?
    If your child is disabled or incompetent and the child lives in your home for over half a year and you pay more than 50 percent of his/her support you can deduct the 26 year old as a dependent. If you child is not disabled or incompetent and is freeloading that is a can of different worms. Idleness ...  (more)
    Answered Jan 2016
    I am retiring in 2016 with a generous pension, also a deferred retirement option plan, in addition social security.
    Whoa, not enough info. Your spending habits may increase due to doing nothing. If travel, golf, fish, name your activity of choice it has a cost. Poor health could use a sizable amount of funds. Medicare will not be there until you are 65 years old. Retirement has many connotations; how do you descr...  (more)
    Answered Jan 2016
    How do I determine traditional 401 vs. ROTH 401?
    The tax rate will be the same today as it will be 20 years is extremely naive. The tax code changes almost on an annual basis, when considering phase in over previous tax acts. Pay your taxes today & look forward to a tax-free source of income. It will not matter what the tax rate is for this so...  (more)
    Answered Jan 2016
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      SEC
      U.S. Securities and Exchange Commission
      • license status
        Registered
      • disclosures
        3
      • as of date
        Jun 2, 2018
      FINRA
      FINRA
      • license status
        Registered
      • disclosures
        3
      • as of date
        Jun 2, 2018
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

      Assets

      On Investment Management Co

      Last updated on March 30, 2017
        • $1.0B
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 8K
          Accounts
        • $132.3K
          Estimated Average Account Balance

      Fees

      Types of Compensation Arrangements

      • Percentage Of Assets
      • Hourly Charges
      • Fixed Fees