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Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
    • -Tax Planning
  • Pension Consulting
    • -401k
  • Portfolio Management
    • -Individuals and/or Small Businesses


Funds Used With Clients

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

Firm Client types

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No timeline events available.
Employer Years Dates
Crimmins Wealth Management, LLC (157992) 8 years, 10 months Jun 2011 - Present
Edelman Financial Services, LLC 1 year, 9 months Sep 2009 - Jun 2011
Sanders, Morris Harris 1 year, 9 months Aug 2009 - May 2011

Designations & Memberships

  • Financial Planning Association
    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.

Articles and Answers

Insights by Daniel Crimmins

Prepping for a Hazy Future
Published 2014-03-07 13:40:37
Jump at Every Public Offering?
Published 2014-03-07 13:42:21
Why to Skip Alternatives
Published 2013-09-25 08:56:41
Even Boring Stocks Can Win
Published 2013-06-18 14:05:38
Investing Lessons from Golf
Published 2013-05-14 08:20:30
Advisors as Money Detective
Published 2013-03-27 10:29:16
Portfolio Construction 101
Published 2013-02-26 11:04:05
A Financial Fire Drill
Published 2013-02-11 06:53:25
Focus on the Things That You Can Control
Published 2013-02-04 09:59:51
The Make-Me-Rich Fallacy
Published 2013-02-01 12:59:17
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    How should I plan for my retirement if my employer doesn't offer retirement benefits?
    Erik - Congratulations for taking your retirement into your own hands and not being deterred by the fact that your employer is not helping for your retirement. You can save up to $5,500 through an individual retirement account (IRA) for 2013, an increase of $500 over last year. I would suggest set...  (more)
    Answered Feb 2013
    Save for now, or save for later?
    Jean - This is the toughest challenge for all savers especially younger ones - juggling different individual goals. The key is to prioritize your goals. I would suggest that you at least try to save as much as the company is matching in your 401k plan. With the 'extra' money from reducing the 401...  (more)
    Answered Feb 2013
    I am a young Federal employee that puts 5% of salary into TSP. I am also in graduate school and am paying out of pocket. Would it make more sense to allocate more $ to the TSP and take out a student loan for the grad school?
    Laura - Congratulations that you have decided to get an advanced degree. It will help you throughout your career. As you are already investing 5% into TSP (hopefully with a long term focus), then I would not suggest adding any more money at the expense of increasing your student debt load. This d...  (more)
    Answered Apr 2013
    How do I determine how much I should be donating to charity?
    Sam - This is a profound and very personal question. I would suggest 2 books for this topic. The first dealing with the percentage and the second on the best use of the donation. The first book would be the Bible and its guidance for 10% tithing. If you are taking 4.5% of your investment portfol...  (more)
    Answered Mar 2013
    I'm currently in the process of purchasing a home. I trying to decide which would be the best approach to paying for the downpayment/ closing costs of the home. I am a first time home buyer and wanted to know if it was a good idea to borrow from my 401k?
    Congratulations on your decision to purchase a home. I would recommend selling the company stock and paying the capital gains tax. Hopefully the stock has been owned for over one year to receive the lower rate. I would discourage borrowing from your 401k plan because if you were to leave the job,...  (more)
    Answered Mar 2013
    When a mutual fund achieves profits, it distributes these profits to shareholders as dividends. Yet the distribution is done by increasing the number of shares and reducing the share price. Thus, leaving the share owner with no loss or gain. So why (how) is a dividend considered a profit?
    Clarence - This is the negative side of investing in mutual funds especially in actively traded mutual funds. The capital gains are considered unrealized profits until they are captured by the owners of the fund shares. These gains are the result of the fund manager deciding to sell the stock for...  (more)
    Answered Feb 2013
    What fund(s) would you suggest if I want moderate allocation with approx 60% in stocks and 40% in bonds?
    Hi Tom - I would suggest the Vanguard Balanced Index Inv. (VBINX). The initial investment is only $3.000 and the annual expenses ratio is only 0.24% with no load fees. The fund invests roughly 60% in stocks and 40% in bonds by tracking two indexes that represent broad barometers for the U.S. equit...  (more)
    Answered Sep 2013
    What are some common mistakes that people make around the time of retirement?
    Shannon - I think the most common mistake that people make around the time of retirement is underestimating the length of the retirement for which they need to plan. They often use as a guideline the longevity of their parents without taking into account the incredible medical advances that have re...  (more)
    Answered Feb 2013
    Can you tell me a good, honest and simple book to read on investing?; it should have a sound investing startegy?
    Matthew - I agree with Tracy on the "The Investment Answer" and will suggest another: "Simple Wealth, Inevitable Wealth" by Nick Murray which speaks to the importance of investor's behavior once the investment strategy has been put in place. Enjoy both!...  (more)
    Answered Apr 2013
    401k plans, what is the maximum you can contribute in 2013, I am 59 years old.
    Kevin - In 2013, the contribution limit for 401(k)s is $17,500. Since you are over 50 years old, you can add an additional $5,500 which is known as a catch-up contribution, and it's the government's way of encouraging people nearer to retirement to put a little extra savings aside. So for those age...  (more)
    Answered Aug 2013
    I am recently retired, have a 403b but have money in a bank account also. WHat is the safest and best way to keep this money available to use as I need.
    Jean - Congratulation on your recent retirement. A bank account is the safest and best way to keep money available for emergencies and for anticipated cash flow needs. The interest earned will be low, but the real goal for a cash reserve account is not to lose principal. A FDIC insured bank accou...  (more)
    Answered Jul 2013
    Any details about government FERS?
    Randy - Congress created the Federal Employees Retirement System (FERS) in 1986, and it became effective on January 1, 1987. Since that time, new Federal civilian employees who have retirement coverage are covered by FERS.FERS is a retirement plan that provides benefits from three different sources...  (more)
    Answered Aug 2013
    Why do companies issue shares?
    Jeff - The price of the stock is derived from the market "setting" a market value for the company. The value of the company is the number of shares outstanding times the price of the stock. This is known as the company's market capitalization. So when a company sells additional shares, all things...  (more)
    Answered Sep 2013
    My employer offers target date funds in our 401k. How do these funds work?
    Mike - the target date funds are supposed to make it easy for 401K investors. They work by asking one question - what year you will retire. From that information, the "target date" is set. The fund invests the money with a balanced approach dividing the investment allocation into stocks, bonds an...  (more)
    Answered May 2013
    Laid off at 55 1/2. I understand that I won't be penalized if I have to use some 401 k money but am a bit confused.
    Sorry to hear about your job loss. If you roll-over your 401k to the "new IRA account" then there is no penalty. The account will not be taxed and it is not considered to be a "withdrawal". If you withdraw money from the either the 401k OR the IRA you will pay taxes on the amount of the withdrawa...  (more)
    Answered Dec 2014
    An advisor told me to go to cash on Dec 31. My question is when should I get back in?
    Hi Edward,Why did he tell you to go to cash? Did you objectives and goals change so that you would need the money over the short term? If so, then it is appropriate.If your goals are still long term, then you should not have sold all of your stocks positions. Your want to establish an asset all...  (more)
    Answered Jan 2014
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Oct 16, 2019
      • license status
        Not registered
      • disclosures
      • as of date
        Oct 16, 2019
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



      Last updated on March 26, 2020
        • $43.0M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 31
          number of clients
        • $1.4M
          Estimated Average Account Balance Per Client

      Crimmins Wealth Management, LLC

      Last updated on Feb. 3, 2020
        • $60.1M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 134
        • $448.2K
          Estimated Average Account Balance


      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