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  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement 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

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

Firm Client types



No timeline events available.
Employer Years Dates
Milestone Asset Management Group, LLC 3 years, 11 months Feb 2016 - Present
Visionary Private Wealth Management Group 5 years, 10 months Apr 2014 - Present
LPL Financial LLC 10 months Jul 2013 - May 2014
Strategic Advisors Inc 8 years, 11 months Jul 2004 - Jun 2013
Fidelity Brokerage Services LLC 17 years, 2 months Apr 1996 - Jun 2013

Designations & Memberships

Membership information not available

Articles and Answers

Insights by Michael Mezheritskiy

Critical Estate Documents
Published 2013-11-19 10:10:34
Do You Owe The AMT?
Published 2013-11-14 11:02:58
Your Changing Definition of Risk in Retirement
Published 2013-11-07 15:04:34
A Bucket Plan to Go with Your Bucket List
Published 2013-11-04 09:28:56
What's So Great About a Rollover?
Published 2013-11-01 10:03:11
Password Protection Strategies
Published 2013-10-29 14:25:56
Getting a Head Start on College Savings
Published 2013-10-29 14:24:41
Catch-Up Contributions
Published 2013-10-24 13:45:32
Catch-Up Contributions
Published 2013-10-24 13:45:32
Is Term Life Insurance for You?
Published 2013-10-10 14:41:17
Mutual Funds vs. ETFs
Published 2013-10-17 05:38:15
What Is an Annuity?
Published 2013-10-16 11:27:05
And the Executor Is
Published 2013-10-16 11:23:16
Put It in a Letter
Published 2013-10-16 10:37:07
Disability And Your Finances
Published 2013-10-15 07:20:28
Are Women and Financial Strategies a Mismatch?
Published 2013-10-14 19:30:39
Caring for Aging Parents
Published 2013-10-14 19:29:37
Inflation & Your Money
Published 2013-10-11 06:56:29
A Look at Whole Life Insurance
Published 2013-10-10 14:39:32
Immediate vs. Deferred Annuities
Published 2013-10-08 13:54:33
Will Power
Published 2013-10-08 04:20:03
What Is a Stretch IRA?
Published 2013-10-07 09:09:28
Trends in Charitable Giving
Published 2013-10-06 04:48:05
Understanding Long-Term Care
Published 2013-10-02 17:57:17
9 Facts About Retirement
Published 2013-10-02 07:41:00
Estate Management Checklist
Published 2013-10-01 12:42:14
Healthcare Costs in Retirement
Published 2013-09-30 10:21:52
How Stocks Work
Published 2013-09-28 15:40:11
What Is a Roth 401(k)?
Published 2013-09-27 07:51:59
What Is a 1035 Exchange?
Published 2013-09-26 07:10:26
Types of Stock Market Analysis
Published 2013-09-25 09:38:44
How much is enough for your emergency fund?
Published 2013-09-24 08:34:45
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    Should I roll over my 401k into an IRA? What should I do?
    Chris, the only thing I would add is. Most plans have a minimum balance requirement that balance is 5k if your balance is under that number and you don't roll it over you might end up getting with distribution that is taxable. Rolling it over to an IRA will prevent it. Good LuckMichaelwww.Visio...  (more)
    Answered Jan 2014
    I am starting a new individual retirement account and looking for a low-fee account?
    Miriam the only thing i would add to Curt is this. If you are looking for a low cost funds, the best option for that is an Index Fund. If you are looking at Fidelity, Fidelity has one of the cheapest index funds in the industry, they also have physical branches that Vanguard does not unless you live...  (more)
    Answered Jan 2014
    Can I convert my 401k account into a Roth IRA in part, by opting to pay taxes when I am still with the company I work for?
    Good morning Naren, couple of things to add, to all the great advice you have received so far. If your plan allows you to do an "in service withdrawal" in most companies you can actually do that directly to a Roth IRA. However it might be a good idea to speak with a CPA to see if you can spread the ...  (more)
    Answered Sep 2013
    Should I keep my portfolio with Fidelity or move my funds to a Vanguard target fund in order to preserve principal, maximize return and lower fund advisory fees?
    Peter, the only thing I would want to add, to all the great answers you already received is, I spend 13 years working at Fidelity and very familiar with Portfolio Advisory Services 0.89% annual fee is just a management fee, you are also responsible for expense ratios of the funds you are invested in...  (more)
    Answered Sep 2013
    Illiquid stocks, credit card debt, founder's low salary, and a couple of IRAs?
    Adam one correction with taking a loan out from a 401k plan, is that you are paying it back to your self, true but you are paying it back with after tax moneys, once the money are back in to your account they become taxable when you take them out later in life, hence double taxation...  (more)
    Answered Nov 2013
    I have been employed at wal-mart for 30 years and have around 500k in retirement and wish to retire at 62. Can I pull out my retirement and reinvest at 59 1/2 to to bring in additional income before age 62 without leaving the company.?
    Gary, one other thing to add, to already great answers that you have received, is: some times in 401k plans you or your employer made after tax contributions, therefore if your plan rules allow you to do an in-service rollover, once you are 59 1/2 years old, you might, potentially, have access to a...  (more)
    Answered Sep 2013
    How much are my various investment funds costing me?
    Jim the best way to figure it out, is to go to and enter the ticker symbol. MorningStart will tell you exactly what it cost, as well if fund has any loads or 12b-1 fees. In my experience with Schwab you typically, only have to worry about expense ratios. Schwab is a discount bro...  (more)
    Answered Oct 2013
    How do i get started with 401 k?
    Good morning Mariya, and thank you for your question.First you want find out exactly what percentage of your contributions your employer will match. That should be your minimum contribution amount. Of course if you are able, financial, to contribute the maximum allowed in to the 401k that would be...  (more)
    Answered Oct 2013
    My inherited IRA only did a 8% gain this year. What would be a smart option to increase its growth?
    Good evening. This is a good question. SP500 is up over 30% this year and you being up only 8% should definitely warrant a review. I would suggest you do two things, number one now is the time to have an year end review with your planner and ask him why the portfolio unperformed the market so much. ...  (more)
    Answered Dec 2013
    When I pass will my child receive my 401k?
    The only thing I would add, is make sure if you son is a minor right now, that you create a will where you name a right guardian who will act on his behalf until he is the age of majority.Best of LuckSincerelyMichael ...  (more)
    Answered Nov 2013
    I put into my 401k but if my wife dies before me, do I loose money in my monthly retirement amount?
    Hi Larry and thank you for the question. You will not loose any moneys in your 401k plan that you are fully vested for. If your wife passes away all you have to do is make sure to update your beneficiaries selection to who ever you would like to receive the assets if anything happens to you.On the ...  (more)
    Answered Oct 2013
    Looking for a retirement class locally?
    Good afternoon Karren. Thank you for your question. Most of the time, if you go to a "retirement class" what you will find is some on using "retirement" subject line to get people in and then try to sell them something, like an annuity. Not always, but pretty oftenIn my experience the best way to g...  (more)
    Answered Nov 2013
    I am looking for a tool that that can compare 2 funds as to over lap on holdings?
    Good morning Zahid, thank you for your question.The best tool to use in my opinion is a morning star X-ray Tool. It will brake the positions by holdings, sectors and will give you all the information you need. It should be more then sufficient to help you . here is the link http://portfolio.mornin...  (more)
    Answered Nov 2013
    you can see the list of all index funds on, however you have to be a premium member to see it.If you go to then click on fund/screener you will see an option for index funds. Which index are you looking to invest in to? We will be able to...  (more)
    Answered Nov 2013
    Should a plan participant take a 401K loan and use the proceeds to make an IRA contribution?
    Peter I agree with Ted, when you take a loan out from 401k what many people dont realize is that you are paying the loan back with after tax money. However as soon as the money are back in the 401k account they become pretax. What this means is if you take out a 10k loan and pay the 10k back with af...  (more)
    Answered Oct 2013
    I turn 50 on 2/1/15. Can I make the $6k catch up contribution in 2015 or do I have to wait until 2016. Thanks.
    Good afternoon Josie, yes you can. You can start catch up contributions with in a year you turn 50. Best of luck and let me know if you have any additional questions.Sincerely  (more)
    Answered Nov 2014
    How do i find out how much i have invested in my 401k. i am no longer employed by the company i was working for.
    Good afternoon and thank you for your question. You should be receiving a quarterly statement from the investment company that handles your accounts. Also on that statement there is a phone number you can call as well as a website you can go on, to create user ID and password and log in to your acc...  (more)
    Answered Oct 2013
    I recently retired. Five months before retiring, as a part of a diversification process, I sold stock from my 401k.
    Hi David, I have very extensive background in NUA, and that is correct. NUA make sense when you have low cost basis on your stock that has highly appreciated. When you sell the stock you loose your old basis. Who ever your Financial Provider is, should have picked that up and warned you about it. Un...  (more)
    Answered Dec 2013
    How do I find out if I am a beneficiary on my deceased brothers 401k?
    Becky the answers is :. You should star by contacting the company that actually is a record keeper of your brothers 401k account. More and more plan administrators are now delegating this service a way. If record keeper is in fact the holder of that information, they will request a death certificate...  (more)
    Answered Nov 2013
    Deferred Variable Annuities?
    Colin you are 33 years old and sounds to me like you are looking for a product where you can put some extra $$ aside for retirement grow it tax deferred have full unrestricted access to it at 59 1/2 and if you pass way have it go to your beneficiaries. I would also assume that keeping your cost low ...  (more)
    Answered Jul 2014
    My co. just had a buy out,now that I work for someone else can I close out my 401k im 61 and need my saving now?
    Good afternoon Dale. Thank you for your question. The short answer to you question is maybe. Most 401k plans allow you to have access to your 401k savings account once you reach the magical number of 59 1/2. However some plans may put restrictions on it, for example you can only take out 50% of it ...  (more)
    Answered Oct 2013
    What Do You Think About Penny Stocks?
    I agree with Alex, never own a stock under 5$ ...  (more)
    Answered Sep 2013
    Can my advisor manage my 401-k for me?
    Pat you are getting quite a few answers, really your advisor can help you with your 401k plan, what it really comes down to is how.We clear through LPL and LPL allows us to charge an hourly fee to help you with management of your 401k plan. Now not every planner gets a green light from LPL to do th...  (more)
    Answered Oct 2013
    I'm looking to take out $40,000.00 from my 401k to Purchase a house which will become my primary residence.
    Kevin all 401k record keepers have to keep track of pretax vs. post tax contributions, as well as growth on after tax contributions. You most likely made after tax contributions and they hopefully have grown over time.If you call your 401k provider they will be able to tell you exactly what part of...  (more)
    Answered Nov 2013
    $30,000 After tax contributions in my 401K. $282000 Total what is the best way to manage this preparing for retirement?
    Let me answer the question for youWhen you going to do a rollover separate after tax from pre-tax this is the cleanest way to do thatThis way you get your after tax money "tax free" back to youNow I would suggest sitting down with a planner to put together a detailed income planBut this should a...  (more)
    Answered Oct 2013
    IRA Contribution with maxed out income - what can i or my wife contribute into a IRA?
    Darren thank you for your question. Here are couple of things you can do. Since your wife does not qualify for a retirement account, she still has a right to save for retirement. As a non working spouse she is able to make a tax deductible contribution to a Traditional IRA. In your situation, since ...  (more)
    Answered Nov 2013
    I need to get access to my 401k account and need help. I work for Northeast Rehab Hosp?
    Good afternoon ,thank you for your question.The best way to gain access to your accounts is to either contact your HR department and they will provide you with a phone number to the company that is handling the account for you. Here is the phone number you can call to get to HR office: 603-681-3185...  (more)
    Answered Oct 2013
    How might I go about finding out how my company's 401k stacks up against others in it's "peer group"?
    There are couple of ways you can do that. First one is you can go back to your TPA, and ask them for a benchmark report a lot of times your admin is able to provide that to you. Depending on the advisor you are using, he/she might be able to help you. I know at our firm we have access to a great too...  (more)
    Answered Nov 2013
    Where is the best place for me to invest my soon to mature large retirement CD given the current market situation?
    Good afternoon Tom. Thank you for your question. The first thing I would suggest to you, is it might make sense to sit down with a fee based planner to help you put together a plan, since we do not have enough information to properly assess your risk tolerance, time frame income needs and so on. How...  (more)
    Answered Dec 2013
    How do I get my 401K plan evaluated at what cost? I can provide ytd return and fees and fund name?
    Dean the best way to get your plan evaluated is to evaluate your fee disclosures brochure as well as your fund line up and their internal fee structure, just to name a few, you also want to look at Fiduciary standing. Is your financial advisor also acting as a 321 or 338 fiduciary, who is helping yo...  (more)
    Answered Jul 2014
    I want $20,000 from my 403b. Should I do it as a 5 yr loan @ 4.25 interest, or as a withdrawal and pay the taxes now?
    The only other thing I would add i:, loans are not tax free. When you take the loan out, sure you don't pay taxes upfront or penalty. However when you pay the loan back, you pay it back with after tax money, and once that $20k is paid back with After Tax money, when you retire and take it out again ...  (more)
    Answered Dec 2014
    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.
    Good afternoon Joan. Just because your company is out of business your 401k plan is still yours, regardless. There are few ways you can locate it. You should be receiving a quarterly, or at the minimum annual statement from the company that is record keeping your 401k for you. On the statement there...  (more)
    Answered Nov 2013
    My 401k account has 23 or more places to invest and I don't know to much about investing.could use some help.
    Good afternoon Tom. Thank you for your question. It is a little difficult to suggest an investment options, based on just your age. In order to provide you with a proper recommendation we would need to know, your time horizon, risk tolerance as well as if you have any other accounts/assets allocated...  (more)
    Answered Oct 2013
    Left my job years back. Now retired. unable to contact plan administrator from phone number given. how do I go about it?
    Good afternoon Ike. The best course of action is either to call a phone number on your statement, but some companies have converted to E-delivery only and unless you signed up with them you are probably not receiving it. The next step is to call your old HR office and have them provide you with a c...  (more)
    Answered Oct 2013
    Can funds be drawn from 401k after age 55 for hadship?
    Thomas, the only thing I would like to add is, if you take out a loan against your 401k plan, you are paying it back to your self but with AFTER TAX money, once the money are back in your 401k plan, they are NOT considered After tax and you WILL be taxed on it when you take it out later in life. Th...  (more)
    Answered Sep 2013
    Is it advisable to borrow, in the form of a fixed loan, for the purchase of securities?
    Peter the only thing I will add, it is risky but it can be done. I would look for a Tactical money Manager that has a good process in place to protect your portfolio in case of a "Black Swan Event". Of course there are NO guarantees and you are taking a risk, just like every one here pointed out to ...  (more)
    Answered Oct 2013
    I was laid off in 7/10. I will be 56 & have a 401K, iRA & Annuity. Will I be penalized if I take money out of my accts?
    I would like to provide a correction to Jonathan answer, the rule 55 apples ONLY if you left the employer with in the year you turned 55 or later then you can take distributions from 401k with out 10% penalty, however if you left your employer lets say at 53, the rule of 55 does not apply to you. Me...  (more)
    Answered May 2014
    Do you feel there is any need for a retirement fund that's managed by an investment group?
    Good afternoon Tom, and thank you for your question. As a former Fidelity employee, I am very familiar with their product line up. You can have your plan with Fidelity in two ways, Fidelity can be just a platform form the plan, where you have an outside TPA doing record keeping and your Employer mi...  (more)
    Answered Sep 2013
    I have $30K in a 403b at an old employer. Insurance salesman is suggesting rolling that into a variable annuity. Thanks?
    The onl thing that I can add, is that I spend 5 years at Fidelity working in their 403b group and Un like 401k plans, 403b plans on fidelity platform has access to all fidelity funds. That includes index funds, all of them, and Fidelity has one of the cheapest index funds in the industry. I wold con...  (more)
    Answered Sep 2013
    Fixed rate annuities for those in retirement. Good idea?
    Good afternoon thank you for your question. If you are referring to a fixed annuity, sometimes called SPDA (Single Premium Deferred Annuity) those products are actually could be beneficial.The way they work, is you typically commit a dollar amount, for a certain time frame, during which you compoun...  (more)
    Answered Nov 2013
    Is a fixed rate annuity a good idea for someone nearing retirement and has an old 401k to transfer from an old job?
    Good afternoon thank you for your question. If you are referring to a fixed annuity, sometimes called SPDA (Single Premium Deferred Annuity) those products are actually could be beneficial.The way they work, is you typically commit a dollar amount, for a certain time frame, during which you compoun...  (more)
    Answered Nov 2013
    Are fixed rate annuities a good idea for how much of a retirement portfoio?
    It would depend, I would never recommend putting more then 1/3 of the account in to it, however the best way to determine what makes sense to put in to a product that like, would be to sit down with a planner and put a plan together, that will look at your time frame, goals, income needs, risk toler...  (more)
    Answered Nov 2013
    My company offers a 403B but does not match. I would prefer to save with another group of Mutual funds. (1) Is there a limit on how much I can save in an IRA if my company offers a 403B? (2) Is there any difference - tax saved weekly or at end of year?
    Good morning, the only thing I would add, is since your contributions to the IRA will not be deductible, since you can contribute to a 403b, you might after contributing to, regular IRA convert that right in to Roth. There is no income limit on conversions, unlike contributions. Make sure to speak w...  (more)
    Answered Oct 2013
    I'm paying a financial advisor 1.5% plus a $750 annual fee to manage my 450K portfolio. Is this too much?
    The only thing that I can add to all the answers you received is. If you are paying 1.5% and advisor only buys individual stocks, then its one thing. However if he/she is purchasing mutual funds, then you have to add the expense ratios of the funds on top of that. In addition to that he might be ge...  (more)
    Answered Jun 2014
    What percentage of taxes will I pay if I cash out my half of my ex husbands 401k and will I be taxed twice?
    Tammie, if you received this 401k as a QDRO settlement, it will not be subject to a 10% penalty on distributions. only taxes. QDRO and Beneficiary non spousal pay out are not subject to a 10% penalty! the other question if its a good idea, I would suggest sitting down with a local RIA to see what al...  (more)
    Answered Jun 2014
    The website for Hancock Bank 401k plan is not working and I cannot see my positions. Can you help?
    Jayashree, thank you for your question. The best thing to do if you are not able to get online is to contact your provider to see if they are experiencing problems with their site. Unfortunately it does happen, but hopefully they will be back up and running in soon. You can also request information ...  (more)
    Answered Nov 2013
    If i retire at 55. will i have the 10% penalty with the traditional plan. they do not offer a lump sum pay put.
    Good morning Victor. If you retire with in a year you turn 55 this is called an early retirement provision. Therefor there is no 10% penalty on distributions from 401k plans. With Pension plan once you start the annuity payment because they are life long payments there is never a penalty on pension ...  (more)
    Answered Nov 2013
    Auction rate muni's didn't work as planned. What assures that the market price of ETF's be trade near net asset value?
    The only thing I would add, is when you purchasing an ETF the most important aspect to look at is Volume. That dictates your Bid and Ask Spread. You want to purchase ETF's that have the smallest spread. That is why when you see some companies advertise free ETFs to trade, there is no commission to ...  (more)
    Answered Nov 2013
    If I have an existing loan I am paying on in my 401k can I borrow some more money to catch up on something's.
    Thank you for your question. This is plan specific. Some plans would allow you to have more then one loan outstanding and some do not. You should contact the company that is recordkeeping the plan for you or your HR department to confirm. If they do allow it, you can have outstanding either 50k in l...  (more)
    Answered Oct 2013
    As part of the divorce settlement I am to receive 70,000 from my ex-husband's 401K.
    QDRO 401k are not subject to a 10% penalty regardless of your age. You will have to pay ordinary income tax on the moneys, however. If you are under 59 1/2 i would recommend keeping the assets in the 401k QDRO account as you might access it with out 10% penalty. Once you are over the age of 59 1/2 t...  (more)
    Answered Nov 2014
    Good afternoon Israel. There are couple of ways you can get that information:1. You can contact your old HR department and they will be able to provide you with contact information regarding custodian of your pension plan. 2. if it popped up on your 401k plan, that might mean its through the same ...  (more)
    Answered Nov 2013
    What are the expenses of a fund of funds like Fidelity 2020?
    The expense ratio is .69 HOwever. Look at the expense ratios of funds with In Freedom fund and add It up you are over 1% many investors do not realize thatBest of  (more)
    Answered Nov 2013
    I am 35 years old and I want to know how much do I need to put towards my 401K to retire ok?
    Melinda here is a great calculator that you can use to estimate and play around with the numbers, such as your contributions, market performance, and so on. of luckSincerelyMichael ...  (more)
    Answered Nov 2013
    How do i get my my 401k?
    Adrain, you have few options. you can contact your old employers HR office and they will provide you with a phone number to call, and get in touch with your plan record keeper. they will then help you with a rollover/distribution of your retirement account. The other option is to take a look at you...  (more)
    Answered Nov 2013
    I have my 403b with Fidelity, and am 60 years old. I am starting a 70% work week soon, probably for the next 2-4 yrs. Fidelity is after me to put the bulk of my funds (close to $500K) into their fidelity portfolio advisory services, and have a personal?
    Katherine, I have recently Joined Brightscope and just saw your questions. I spend 13 years working at Fidelity Investments, as a VP Sr. Account Executive and I am an expert when it comes down to PAS, how it works as well as any other products offered by Fidelity Investments as it pertains to insti...  (more)
    Answered Sep 2013
    Looking to borrow out of my 401k. How can I go about this?
    In addition to already great advise you received. I would caution you about taking out a loan from your 401k account. The main reason is that you will be subject do double taxation. Let me explain. Lets say you borrowed 20k from your 401k plan. well you are paying it back from your payroll deducti...  (more)
    Answered May 2014
    How do I go about contacting our 401 K company to try to improve its rating?
    Good morning Karen, I agree with Michael. The best course of action could be to have an independent planner come in and evaluate your 401k needs and suggest 2-3 different record keepers for you to interview to see if they might be a better fit for your firmPlease let me know if we can help. We have...  (more)
    Answered Oct 2013
    Can I take a loan against my 401k??
    I would caution you about taking out a loan from your 401k account. The main reason is that you will be subject do double taxation. Let me explain. Lets say you borrowed 20k from your 401k plan. well you are paying it back from your payroll deductions, After Tax. Now you repaid 20k with interest bac...  (more)
    Answered May 2014
    Anyone know where else I can put my savings after I max out my IRA and HSA for the year?
    Thank you for the question. If you maxed out your Ira, if you do not have a 401k plan the the next best option would be a Variable Annuity. I would suggest fidelity or vanguard. Expense is about .25% per year access to various no load no transaction fee funds. Once you turn 59 1/2 you have full acce...  (more)
    Answered Nov 2013
    New rules for taking after-tax money out of your 401(k)?
    Good afternoon and thank you for your question. Also thank you for clarifying that the after tax money are post 86 as this makes a difference. There are couple of things to know:1. If your spouse is till working for the company and he is under the age of 59 1/2 he might not be able to take any mone...  (more)
    Answered Nov 2014
    Can I have a number to call someone in regards to my ESOP stock and what to do with it?
    Good afternoon and thank you for your question. There are many options that are available to you with ESOP stock. They would depend on the actual stock, what is the outlook for it is this a good stock to hold long term, as well as your age and how it fits in to your over all plan.You can always cal...  (more)
    Answered Oct 2014
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Nov 2, 2019
      • license status
        Not registered
      • disclosures
      • as of date
        Nov 2, 2019
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:


      Milestone Asset Management Group, LLC

      Last updated on Dec. 12, 2019
        • $45.0M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 98
        • $459.2K
          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