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Overview

Services

Advisor Services

  • 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
    • -Other Portfolio Management

Funds

Funds Used With Clients

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

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
T-Lifequote.Com 7 years, 6 months Jan 2009 - Present
Kays Financial Advisory Corp 17 years, 7 months Jan 1999 - Present
Keller Grad School of Mgmt. 17 years, 11 months Sep 1998 - Present

Designations & Memberships

  • Atlanta Society of Finance and Investment Professionals
    Membership
    Atlanta Society of Finance and Investment Professionals
  • Chartered Financial Analyst Institute
    Membership
    Chartered Financial Analyst Institute
  • 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.
  • Certified Financial Planner
    Designation
    Certified Financial Planner
    A standard 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.
  • Certified Long-Term Care
    Designation
    Certified Long-Term Care
    Independent course which is focused on the field of long-term care planning and provides legal, accounting, insurance and financial service professionals for middle-aged clients.
  • Certified Senior Advisor
    Designation
    Certified Senior Advisor
    The Certified Senior Advisor (CSA) program gives you the advanced knowledge and practical tools to serve seniors at the highest level possible while giving you a powerful credential that increases your competitive advantage over other professionals.

Articles and Answers

Insights by William Mcknight

There are no insights for this advisor to display at this time.

Answers

Ask a financial questionAsk a question
Selling mutual fund shares in order to invest in ETFs or a Target Date Fund?
The simple answer to your question is that all other things being equal, a 1% difference is huge over time. Now that begs the question, is the 1% that I am paying an active mutual fund manager going to give me better performance than simply uisng an index fund or an ETF. In my experience, I have f...  (more)
Answered Apr 2012
How much of your retirement money should you use to purchase an immediate fixed annuity?
There is not set rule or answer to this question. While a single premium immediate fixed annuity (SPIA) can give an investor an income stream that he or she cannot outlive, most of the SPIAs have pretty low payouts and internal rates of return because interest rates are so low. So this may or may ...  (more)
Answered Apr 2012
What's the main difference between a B share and an A share? Should I switch?
Keep in mind since SBUPX is a B share fund that you may be subject to a back end load (contigent deferred sales charge CDSC) that typically lasts about 5 years from the date of purchase on a typcial B share fund. The custodian would know if there is a charge. Most B share will automatically conver...  (more)
Answered May 2012
What are the risks associated with buying bonds?
Basically, bonds are interest rate sensitive investments. When interest rates move up, bond prices move down, and when interest rates move down, bond prices move up.So in a rising interest rate environment, an investor could lose some or a significant part of their principal value.Generally speak...  (more)
Answered May 2012
Should I play it safe now that I'm retired?
Lionel, as others have stated we really need to know more about your specific situation to give you a better answer, but generally speaking most retirees are going to be well served with a balanced portfolio. Chances are that you will live a long life and will need growth from your portfolio as wel...  (more)
Answered Mar 2012
What is a 457 plan?
A 457 plan is a defined contribution retirement plan available to state and local public employees and some nonprofit organizations. They work much the same way as 401(k) plans: you can opt to divert part of your salary into the plan, and the money is automatically deducted from your paycheck pre-ta...  (more)
Answered Mar 2012
How often should I meet with my financial advisor?
In my firm, we have a standard rule of meeting clients semi-annually. Of course they are welcome to come in more frequently, but my experinece has shown this to be overkill in many cases. The important thing is that you meet with your advisor regularly whether changes are needed or not. When a cl...  (more)
Answered Mar 2012
What does it mean to be labeled a "highly compensated employee" in terms of 401k?
For the year 2012, a Highly Compensated Employee is anyone who was a “5-percent owner” at any time during 2011 or 2012 or anyone who received in excess of $110,000 in compensation during 2011 and, if elected by the employer, is in the top twenty percent of employees based upon compensation. These a...  (more)
Answered Mar 2012
What happens if a retired parent is deceased with a retirement plan, how does one go about passing the funds onto the next of kin.?
Trudy, who was listed as the designated beneficiary on the retirement account? That is the first question that needs to be answered....  (more)
Answered May 2012
Where do I find reliable information on life insurance policies and fees?
As an RIA and a licensed insurance agent, I would say you are comparing apples and oranges when talking about term insurance versus whole life or another cash or permanent product.I hate the terms “commissions and hidden fees” because if you buy an insurance product, someone is going to earn a comm...  (more)
Answered Jun 2012
What does it mean to be labeled a "highly compensated employee" in terms of 401k?
Michael brings up a great point about rallying the troops! About 20 years ago I worked for a company with about 200 employees. Most of these employees were "blue collar" and did not have savings mindset. Even with a great deal of education by our 401(k) plan provider, the participation rate was ...  (more)
Answered Mar 2012
    *Answers are submitted by advisors without compensation.

    Licenses & Conducts

    SEC
    U.S. Securities and Exchange Commission
    • license status
      Registered
    • disclosures
      None
    • as of date
      Oct 3, 2014
    FINRA
    FINRA
    • license status
      Not registered
    • disclosures
      None
    • as of date
      N/A
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

    Assets

    Advisor

    Last updated on Jan. 14, 2015
      • $266.0M
        Total Assets Under Management
      • $0
        Total Assets Under Advisement
      • 385
        number of clients
      • $690.9K
        Estimated Average Account Balance Per Client

    Kays Financial Advisory Corp

    Last updated on April 22, 2016
      • $333.1M
        Total Assets Under Management
      • N/A
        Total Assets Under Advisement
      • 2K
        Accounts
      • $210.7K
        Estimated Average Account Balance

    Fees

    Types of Compensation Arrangements