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Employer Years Dates
e3 Tax AZ, LLC 1 year, 8 months Feb 2018 - Present
Kalos Management 2 years, 3 months Jul 2017 - Present
Kalos Capital 2 years, 3 months Jul 2017 - Present
National Planning Corporation 2 years, 3 months Apr 2015 - Jul 2017
Acn Direct 1 year, 4 months Aug 2013 - Dec 2014
Randy Jotte for Congress 1 year, 1 month Oct 2011 - Nov 2012
Mark Schreiber, CPA 8 years, 11 months Nov 2010 - Present
Schreiber Wealth Management 8 years, 11 months Nov 2010 - Present
Ursuline Academy 2 years, 10 months Sep 2008 - Jul 2011
Schreiber & Ehrenreich 3 years, 7 months Mar 2007 - Oct 2010
Cetera Investment Advisers LLC 17 years, 1 month Mar 1998 - Apr 2015
Dems Prop LLC 22 years, 9 months Jan 1997 - Present
Cetera Financial Specialists LLC 18 years, 8 months Aug 1996 - Apr 2015

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Answers

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My 401k does not match. The money market fund it offers charges me a hefty fee to park money in it and pays zero return (in these times of low interest). Can I stop contributing to the 401k and start putting that contribution into and IRA with a discount broker and maybe be able to invest in individ
RossFirst, I think your HR person/dept need to know that there are other 401k providers that provide a nice gauranteeed account without hefty fees. As a matter of Fiduciary reponsibilty they need to benchmark their 401k plan relative to investment options and plan expenses. They should first pull t...  (more)
Answered Oct 2012
I'm getting divorced after 14 years of marriage and suddenly find myself out of 1/2 of my 401k savings. I'm 46 and need some advice on how to rebuild my retirement savings?
Dane Sorry to hear about your marriage. If you have children determine if you can file your taxes as Head of Household. Next, be sure to change the beneficiary on your 401K and any life insurance policies and IRA's. You still have 20 plus years of earning potential so don't stress too much. It is a...  (more)
Answered Aug 2012
I'm self employed and pay roughly $4000 a quarter in Social Security taxes. If I put that money into an IRA throughout the year, would that lower my annual taxes?
Adlai - you are self emoployed so making a IRA contribution will not reduce your self employment tax which is calcualted on your net self employment income, however by contributing to a traditional IRA or a SEP(higher contribution limit and flexibility) you will reduce your Federal and State Income ...  (more)
Answered Aug 2012
What's the best age to buy long-term care insurance?
Auburn, Normally look at Long term Care at age 45-65. When ready take a look at not only traditional Long term care insurance but also the Hybrid products available. There are companies that offer guaranteed Universal Life products with an annual premium with a Chronic Illness Rider. These Policies...  (more)
Answered Jul 2012
Just found out my company is changing 401K plan from Prudential to Great-West. I had never heard of Great-West. Is this something to be concerned about? I was unaware change was coming.?
JoanneAs Jonathan said Great West has a large number of retirement plans and they should not be a concern. The question is why the change, you should receive a new "summary plan description" when the changover happens. Just make note of any changes in the new plan versus the old and inquire during ...  (more)
Answered Nov 2012
Should I avoid buying ANY stocks in September?
JackieI don't think the month of the year should be an issue. If the fundamental's of the company and outlook is good and the stock fit's into your portfolio from a diversification standpoint you should consider proceeding. I would recommend seeking an advisor in your area.Mark Schreiber ...  (more)
Answered Sep 2012
What's a safe withdrawl rate for retirement?
SadieGood advice from Michael and Eric. Based on a BlackRock study of withdrawal rates it really depends on how your retirement assets are allocated between Stocks and Bonds and the length of retirement years. Assuming a 25 year retirement time horizon and a 60/40 split stock to bonds a 4% inflatio...  (more)
Answered Aug 2012
I am currently retired and receive a CSRS retirement annuity. I also have a TSP account (401k) that is in addition to my annuity. I have not used any of this money and am wondering if it is a good idea to withdraw some to pay off my car loan? I realize that I will need to pay taxes on that money.
HeidiWithout knowing your tax situation or personal assets and liabilities I am hesitant to answer this one. However, it sounds like you have enough income coming in if you are not drawing from your 401k so I would recommend gettting out of the car debt. Yes you will pay taxes but you do not need t...  (more)
Answered Aug 2012
I have about $20,000 after tax $ in my 401k. I have about $10000 I am paying on a PLUS Loan at about 7%. Can I withdraw the $10000 from my 401 K to save paying the higher interest rate on my Parent Loans? Would my 401k have a penalty or growth suspension?
COnly if your 401k allows for in service distribution of the after tax portion - which I am assuming is either a Roth 401K or an after tax company savings plan. I would really need to check the plan document specifically. Your idea is fine if you are not subject to income tax or penalty and you are...  (more)
Answered Nov 2012
How do I choose the best sponsor/provider?
JuanitaAlot of good advice. I always recommend starting with the plan design frist. Find an advisor who specializes in retirement plans and have them get a TPA(third party adminsitrator) to review your objectives and design a plan based on your specific company. Noramlly all they need is an employe...  (more)
Answered Oct 2012
I am in a defined benefit plan with my employer (government). Are voluntary contributions tax deductible?
JimFrom my research and experience I do not think your purchase of service credits are tax deductible in the year paid. This is not like a contribution to an IRA or Retirement account. It may benefit you when you start withdrawing from the system as it should show you paid in x amount as employee c...  (more)
Answered Oct 2012
If my employer files for bankruptcy will my 401k fund be frozen for any amount of time?
DeThe comapny is the plan sponsor. Bankruptcy should not freeze your 401k other than as Herbie mentiioned normal plan functions. The plan should have a custodian which safekeeps the plan assets which is seprate from the Company. However, as an option if you can take an in service distribtuion and d...  (more)
Answered Nov 2012
How do i get my money from my 401k plan since my retiring effective on September 28, 2012?
Contact your plan recordkeeper. The number should be on your 401k statements. They will have the forms necessary to take out your funds which are called "Rollover" forms. Your Company Human Resource department/person will have to be involved so you may wan tto start with there. Good luck in Retirem...  (more)
Answered Sep 2012
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?
NarenI do not think you will be allowed to convert your currentl 401K to a Roth IRA. Even if the plan has the Roth deferral feature it would be for future contributions only.The existing plan would have to allow "In service distribtuions", but normally this is after attaining age 50. You can check ...  (more)
Answered Sep 2012
I invested in mutual Funds with citicorp investment services back in the mid 1990s through a broker in the USA. I now live outside country with a good number of years. I have made a number of phone calls and written to the bank enclosing copies of statements but to no avail. can anyone help me to t
you should be able to do this online. The 401k website should be on your statement. create a password under "forgot password". the plan sponsor is required to provide you with record keeper contact information. Try the company human resources department from the company website....  (more)
Answered Jul 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
      Jul 28, 2018
    FINRA
    FINRA
    • license status
      Registered
    • disclosures
      None
    • as of date
      Jul 28, 2018
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

    Assets

    Kalos Capital, Inc.

    Last updated on Nov. 29, 2004
      • $7.9M
        Total Assets Under Management
      • N/A
        Total Assets Under Advisement
      • 120
        Accounts
      • $65.6K
        Estimated Average Account Balance

    Fees

    Types of Compensation Arrangements

    • Percentage Of Assets
    • Fixed Fees
    • Commissions