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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
    • -Other Insurance
  • Portfolio Management
    • -Individuals and/or Small Businesses


Funds Used With Clients

Firm Client types



No timeline events available.
Employer Years Dates
Applied Capital LLC 7 years Dec 2012 - Present
Brs Financial LLC 1 year, 5 months Jul 2011 - Dec 2012
Ing Financial Partners, Inc. 1 year, 3 months May 2010 - Aug 2011
Royal Securities Company 4 months Jan 2010 - May 2010
Edward Jones 2 years, 10 months Mar 2007 - Jan 2010

Designations & Memberships

Membership information not available

Articles and Answers

Insights by Bradley Raines

Is My Advisor An Artist Or Scientist?
Published 2013-10-01 12:18:18
Understanding Passive Investing
Published 2013-09-09 10:03:02
Brewing the Perfect Portfolio
Published 2013-08-30 08:32:24
Learning to Invest Like a Doctor
Published 2013-05-03 13:59:43
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    What fund(s) would you suggest if I want moderate allocation with approx 60% in stocks and 40% in bonds?
    Tom - while all the above are good funds and advice, the actual investments you use are the easy part but must come AFTER you address the following (horse before the cart):Do you believe you or the fund managers can accurately and consistently predict the market? If so then you need an "Active" p...  (more)
    Answered Sep 2013
    How much life insurance do I need?
    There are endless Rule of Thumbs, calculations, and strategies for determining how much life insurance you need. The difference between an Insurance Salesperson and an Insurance Advisor is that the Advisor will help you determine your actual need while the Salesperson will tell you what they think ...  (more)
    Answered May 2013
    Is it worth it to hire a financial advisor?
    Carny - I agree with Rich in that it primarily comes down to time. If you don't have the time to educate yourself AND maintain the plan you set, then you should probably consider partnering with a financial advisor.You have to decide what's the most effective use of your time. I take my car to a...  (more)
    Answered Apr 2013
    My employer offers target date funds in our 401k. How do these funds work?
    Mike - Walter is exactly right in that these target date funds are simply a bucket of other mutual funds covering most of the main asset classes (large company stocks, international stocks, corporate bonds, treasuries, ...etc.). The cost to build and manage these buckets is what leads to the higher...  (more)
    Answered May 2013
    Starting financial planning at a late stage of career life - 401(k) & IRA?
    Saleh - You're asking the right questions and these answers are all excellent. Just keep in mind that while the principles of investing will always hold true, the rules and limitations unfortunately have a way of changing. The one factor that could make or break your retirement years is how your s...  (more)
    Answered May 2013
    Can my advisor manage my 401-k for me?
    Pat,Advisors can manage their client's 401k or 403b accounts in one of two ways, indirectly or directly.Indirectly - Simple advice or input is given by your advisor after looking at your 401k statements. The advisor does not have direct access and relies solely on statements provided by you the...  (more)
    Answered Oct 2013
    Can you tell me a good, honest and simple book to read on investing?; it should have a sound investing startegy?
    I agree that "The Investment Answer" is one of the most transparent books for an investor, but I think the behavioral aspect of finance can be easily ignored. "The Behavior Gap" by Carl Richards sheds some light on the effect of our own behavior as we make investment decision.Advisors and investor...  (more)
    Answered Apr 2013
    How do I shutter my sold company 401K Plan?
    The first step is to setup a conference call or group email with all of the members involved with your 401k. Your custodian or record keeper (ie American Funds, Fidelity, ING, Vanguard...). Your TPA or Third Party Administrator (sometimes the same as the custodian). Your financial advisor or advi...  (more)
    Answered Aug 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 - you are definitely asking the right questions. Your question has more to do with your availability and personality than anything else. It really comes down to the time you're willing to spend and how honest/accountable you will be with yourself and your results. As Jonathan mentioned,...  (more)
    Answered May 2013
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Mar 31, 2018
      • license status
        Not registered
      • disclosures
      • as of date
        Mar 31, 2018
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:


      Applied Capital LLC

      Last updated on June 25, 2019
        • $125.0M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 1K
        • $124.1K
          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