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  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial 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 Used With Clients

Firm Client types

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No timeline events available.
Employer Years Dates
Cetera Advisor Networks 6 years, 10 months Jun 2013 - Present
Carroll Financial Associates, Inc. 6 years, 10 months Jun 2013 - Present
Merrill Lynch, Pierce, Fenner & Smith Incorporated 8 years, 8 months Oct 2004 - Jun 2013
Merrill Lynch, Pierce, Fenner & Smith Incorporatedbonita Springs, Fl 8 years, 8 months Oct 2004 - Jun 2013

Designations & Memberships

  • Financial Services Institute
    Financial Services Institute
    Founded 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.
  • Chartered Retirement Planning Counselor
    Chartered Retirement Planning Counselor
    The CRPC Program focuses on the pre- and post-retirement needs of individuals, allowing you to transform the retirement planning process into a positive experience.

Articles and Answers

Insights by Richard Taylor

Published 2015-12-14 08:24:24
Using Time To Your Advantage/Younger Investors
Published 2015-11-02 07:25:01
Can You Retire On Bonds?
Published 2015-09-21 08:01:40
Published 2015-08-20 14:06:07
What Does Diversification Really Mean?
Published 2015-07-21 07:43:16
Financial Distractions And The Media
Published 2015-06-24 07:27:26
The Folly Of Market Timing
Published 2015-05-22 12:10:25
#1 Threat To Your Investment Portfolio
Published 2015-04-21 08:04:21
Why Do Investors Struggle?
Published 2015-03-31 07:04:20
Hiring A Financial Advisor/Planner
Published 2015-03-23 08:24:44
8 Strategies To Avoid Market Mistakes
Published 2015-03-02 10:54:40
Corrections, What Is Normal?
Published 2015-02-18 11:50:38
What Is Safe?
Published 2015-02-17 08:22:58
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    Can I withdraw from my IRA to purchase a first time home without getting penalized?
    Congratulations on finding a new home. The IRS allows for $10,000 to be withdrawn from your IRA for a first time home purchase penalty free. However, you would still pay taxes on it. The limit is $10,000. So anything taken out over and above that number would be penalized and taxed. Once you ar...  (more)
    Answered Mar 2015
    After 25 yrs i just found out they dont need me. What do i do with my 401k? Company matched.
    Luann, I am very sorry to hear about your situation. This is a perfect time to sit down and talk with someone. It is very difficult to say what to do without know more details about your circumstances. You really have a couple of options in regards to your 401K. 1. Is to leave it where it sits a...  (more)
    Answered Mar 2015
    I was awarded 50% of defined benefit plan as separate property .Can i do rollover?
    A lot of this will depend upon what the QDRO states/doesn't state. I would agree with everything that Jefferey said above. However, these can be complicated matters. It would be a good idea to get an attorney and a financial planner in your area involved to make sure the details are handled prope...  (more)
    Answered Sep 2015
    How does Minneapolis Portfolio Management Group compare to other managers?
    They are a fairly concentrated multi-cap value manager. They average 20-25 positions. The are an SMA manger, so they likely have a $1million minimum investment. This depends upon the platform on which one would access them. I have seen many managers with better performance over time, I have also...  (more)
    Answered Feb 2015
    How is it possible to lose $14K in 8 months when the Dow is only 200 points when you're supposed to be mitigating risks?
    First of all, anything is possible. I think the question should be is it reasonable that a portfolio could drop that much. The answer is: it depends. If you have a very large portfolio in the millions of dollars, I would say that is very reasonable and should be expected. If your portfolio is s...  (more)
    Answered Dec 2015
    Trying to decide if I should keep my $150K Universal Life?
    Mike, it would be impossible for anyone to tell you exactly what can/should be done from your current position. Much more information needs to be know before moving forward. For instance, how much coverage do you really need? (This is determined by someone seeing your entire picture). There are ...  (more)
    Answered Aug 2015
    I am retiring in 4 years. What is to outlook for the sequioa fund. Should I hold or move to another fund?
    I would agree with the other posts on this. Don't worry too much about the particular "fund" or trying to time in or out of it. Get your allocation right. Make sure the fees are acceptable and leave it alone....  (more)
    Answered Aug 2015
    If I purchase a retirememt home as a secondary home, would the first buyer home credit still apply?
    Short answer is no. First buyer home credit would not apply in the scenario you put forth....  (more)
    Answered Apr 2015
    Is Real Estate a good asset to invest in?
    I would agree with John's answer above. The answer is completely dependent upon each individual's situation. There are many variables that go into this process. As John has stated, it's really just another asset class. It could make sense to have a real estate as a piece of the overall pie, then...  (more)
    Answered Apr 2015
    I am no longer with Kalle USA but I still have my 401K with BrightScope. How can I look it up?
    David, Bightscope is an online forum to help with general questions. So, Brightscope does not have your 401K. Your best bet would be to take a look at your statement. It should have the company that is handling it, along with phone numbers to call. Good luck...  (more)
    Answered Sep 2015
    Does making money in today's volatile market require risk taking investment? ent and alert buying and selling?
    Carol, I agree with a lot of what has already been said in previous answers. In reference to your concern about your advisor: I am sure that he/she is a very good and successful advisor. However, I have found in my career that very large (successful) advisors all have one issue that has to be dea...  (more)
    Answered Jul 2015
    I would like to know if I can do a direct rollover for a company listed here on BrightScope.
    Justin, it comes across as though you are talking about a current 401K that you have with your current company. If that is the case, yes, you would be able to roll that over to an IRA after you have left the company. I am not familiar with Utility Trailer Manufacturing, however, I haven't heard of...  (more)
    Answered Jun 2015
    If there is a debt to be paid in a trust and the person dies, does the debt transfer?
    Emma,If I understand your question properly, the answer would be yes. He would be transferred the equity and the debt of the property. That being said, there could be clauses within the trust documentation that states differently. It may be would be worth you time to contact an estate planning a...  (more)
    Answered Apr 2015
    What happens to deceased dads retirement money after mom now past away recently. Am joint on her bank where money is at?
    I would agree with Jason on this one. Not enough information. I would call the institution where the retirement account is held. You need to determine who the beneficiaries are on the account. Basically, the assets will where the account has them directed to go. ...  (more)
    Answered Jul 2015
    I have contact hr a hand full of times but i havent got any feed back on my 401k roll over and it been 15 days?
    Tina, this is an online help forum. We aren't associated with any HR department at any company. You didn't state what company you work for either. My suggestion would be to call your HR again. Maybe talk to someone in your office about who to contact....  (more)
    Answered Sep 2015
    How do I know if I need a financial advisor?
    Alex, this is a great question. There are three types of investors. 1. Is the "do it yourselfer". 2. Is the collaborator. 3. Is the delegator. You need to determine which one you are. If you are #1, then you will not need to engage any advisor anywhere. If you are #2 or #3, you need to int...  (more)
    Answered Mar 2015
    Life insurance question?
    Jerri, I agree with all of the above answers. The short answer is yes. Just be aware there are many different avenues, costs, structures you can use under the life insurance umbrella. It might be wise to sit down with a financial professional in your area to determine what makes the most sense. ...  (more)
    Answered Jul 2015
    What is the best career move to make financially? (I have 2 options)?
    I would agree with Bill's answer to this. I would add this: At your age, it is probably worth the risk at this stage in your life. Once you are in your 40's, maybe have a family, it becomes more difficult to take these types of leaps. The last thing I will leave you with is this: No matter how ...  (more)
    Answered Oct 2015
    I am new to investing. How do start my investments.
    Rajesh, with not knowing anything about you, it will be difficult to give you and specifics. However, I can give you some general directions that you can take. 1. You can seek out a financial planner in your area to sit down with and talk about your specific situation. 2. You can do it yoursel...  (more)
    Answered Nov 2015
    I am carlesa321 and I'm wanting to no how much I have in my 401k?
    Carlesa, this is an online public forum. Your 401K is with your company/provider. You would need to log into your account to check your balance....  (more)
    Answered Sep 2015
    Do I need to have money invested in other countries to properly diversify my portfolio?
    Daniel, the short answer is yes. A properly diversified portfolio would have some exposure to international both equity and debt. That being said, exactly where internationally and how much is a question that can only be answered by someone who knows your entire financial picture. With that being...  (more)
    Answered Jul 2015
    We owe over $10,000 on our taxes?
    Likely there isn't much you can do, particularly if you are past 60 days from withdrawing from your 401K. My advice would be to speak with an accountant/CPA directly to make sure....  (more)
    Answered Feb 2015
    I want to cashout 401k?
    Esther, you can certainly do that. However, I would highly suggest that you understand the tax implications of taking assets out of a deferred taxation vehicle, like a 401K. Also, be aware that if you are younger than 59 1/2 years old there is also a penalty involved. Please speak with your CPA/A...  (more)
    Answered Jul 2015
    When is the best time to cash in savings bonds?
    Alexander is absolutely correct on this one. Just not enough information to help on this one. It's been a few years and I hope you have this cleared up....  (more)
    Answered Aug 2015
    How important is picking mutual funds with 4 or 5 stars from Morningstar versus funds with extremely low fees?
    The star system is basically irrelevant. They even admit that it's a flawed system and doesn't give the investor any valuable information. But, they have to sell subscriptions......All of the above is great advice. Consider ETF's or low cost funds. ...  (more)
    Answered Jun 2015
    What does it mean when a mutual fund has "active management"?
    Carolyn hit the nail on the head with this one. I would only add one comment with regards to "active" vs. "passive". Generally speaking you are going to have a higher internal cost with active managers. Passive management tends be cheaper....  (more)
    Answered Jun 2015
    How can I withdraw from my 401k plan?
    Vincent, you need to contact someone in your HR department or the plan sponsor. They will be able to help you with the proper procedures to withdraw from your 401K. Some of them will have a document for you to fill out, some will ask you to go online to conduct the procedure. I hope this helps...  (more)
    Answered Mar 2015
    I am retiring soon and I am nervous about having a lot of my retirement dollars in the stock market. What are the annuity products I have been reading about that guarantee retirement income for me?
    There has been some excellent discussion in the previous posts about annuities. A few things I would add to help you. There are many annuity/insurance companies out there. All of them have slightly different features, benefits, costs, etc. It's fairly daunting for us financial professionals to k...  (more)
    Answered May 2015
    Should I close my fidelity professional managed account and continue to monitor and rebalance annually myself?
    Vie, the market is your answer. It has not been very good since you made the change. That has nothing to do with the "management" of the account. I would encourage you to leave it as is though. Particularly at your age, you have a very long time horizon. The biggest long term issue for investor...  (more)
    Answered Oct 2015
    Is it true even under court order qdro .I can't receive any of my half of 401k in seprate account?
    I agree with both of the previous answers above. I would only add one thing, QDRO's can be written many different ways. They are customized your situation. I would highly encourage you to sit down with your attorney to determine exactly what you can and cannot do per the QDRO. ...  (more)
    Answered Oct 2015
    In case a predicted Market Crash in Oct. 2015 due to the Yaun replacing the dollar. Can I freeze my 401k till after Oct?
    Betty, I would be careful trying to "predict" events in the market. I've never seen anyone who can do it consistently over time and it usually leads to more harm than good. That being said, if you need/want to make a change in your 401K, it is very likely that you could move to a fund within your ...  (more)
    Answered May 2015
    Are YieldCo's suitable for IRA accounts?
    James, I would agree with all of the previous responses to your question. Generally speaking, yes, they do create a problem inside of an IRA. I would stay away from that. Also, it sounds a lot like you are being very speculative. For investors who use this, it usually works until it doesn't. I ...  (more)
    Answered Jun 2015
    Will I be OK withdrawing from my Roth IRA after tax contributions, or could there be penalties/taxes to consider?
    Mike, there likely won't be a tax consequence, but there could be a 10% penalty if you are withdrawing prior to you being 591/2 years old. There are a few ways you can escape the 10% penalty (used for higher education), but it would not apply to the purchase of a home (although a first time home wo...  (more)
    Answered Nov 2015
    ANy truth to the adage "Sell in May &stay away"?
    Short answer.....No. It's just a snappy phrase that rhymes. This industry is loaded with catch phrases like that. At the end of the day that's all they are....  (more)
    Answered Jun 2015
    I use a web-based subscription service, sectorsurfer, to help me select the best trending mutual fund available in my 401k. is your staff acquainted w sectorsurfer? if so, would you comment on it? if not, would examine it and comment. thank you.?
    Willard, I would agree with James. This is a bad idea. I hope you have moved on from it. There literally hundreds of these "services". All claim to have some ability to give you an edge. I have yet to find one that does. No one or computer knows the future. Not to mention, this is a really ba...  (more)
    Answered Mar 2015
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Apr 2, 2020
      • license status
      • disclosures
      • as of date
        Apr 2, 2020
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



      Last updated on April 2, 2020
        • $1.6B
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 4K
          number of clients
        • $440.9K
          Estimated Average Account Balance Per Client

      Cetera Advisor Networks LLC

      Last updated on March 17, 2020
        • $25.8B
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 86K
        • $300.6K
          Estimated Average Account Balance


      Types of Compensation Arrangements