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Michael Vestal, CFP®, ChFC

Focusing on Retirement Planning, Creating an Income Plan

Cambridge Investment Research Advisors, Inc.

Plano

TX

Contact Me

Overview

Services

Advisor Services

  • Financial Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Other Financial Planning
    • -Tax Planning
  • Insurance
    • -Life Insurance
    • -Health Insurance
    • -Long-Term Care Insurance
    • -Annuities

Qualifications

Experience

No timeline events available.
Employer Years Dates
Cambridge Investment Research Advisors, Inc. 2 years, 4 months Jul 2017 - Present
Cambridge Investment Research, Inc. 2 years, 4 months Jul 2017 - Present
Wfg Investments, Inc. 7 years, 2 months Sep 2012 - Present
Wfg Investments, Inc. 7 years, 2 months Sep 2012 - Present
Wfg Investments, Inc. 4 years, 10 months Sep 2012 - Jul 2017
Tiaa-Cref 12 years, 3 months Aug 2007 - Present
Tiaa-Cref 9 years, 11 months Aug 2007 - Jul 2017
Michael Vestal 1 month Jul 2007 - Aug 2007
1st Global Insurance Services 2 months Jun 2007 - Aug 2007
1st Global Advisors, Inc 1 year, 6 months Feb 2006 - Aug 2007
1st Global Capital Corp. 2 years, 2 months Jun 2005 - Aug 2007
1st Global Capital Corp. 2 years, 2 months Jun 2005 - Aug 2007
1st Global Capital Corp. 4 years, 11 months Sep 2002 - Aug 2007

Designations & Memberships

  • 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.

Articles and Answers

Insights by Michael Vestal

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Answers

Ask a financial questionAsk a question
I have been contributing to ING for 35 years and have become concerned about their fees and the impact on my returns,?
I would tell you that there are 3 options that you have to help control the fees that you pay for your 403b + 457b plans. 1st Option - at the fund level you can analyze the fees that are being charged by the funds that you are invested in within your accounts and if possible you could move them in...  (more)
Answered Jan 2015
Need help to analyze my financial portfolio?
Hi Naren,I'm a local advisor here in Plano and would be happy to help you guys get a Financial Plan in place which it sounds like you need. When you have a long term plan in place it makes what you hear from your friends or see on the news or even worse read on your investment statement not as wor...  (more)
Answered Jan 2015
RMDs - What's the purpose?
Hi Colin,You touched on all the major reasons the government forces most retirement accounts to be distributed each year. I would also add that they would like to see people tap into their retirement accounts slowly over their retirement years like the RMD requires as opposed to taking out large l...  (more)
Answered Jan 2015
Should I invest in the stock market or mutual funds?
Tina,I would tell you that Mutual Funds and also Exchange Traded Funds (ETFs) are great investments for you and anyone else in your Age Bracket. Remember though that one of the only "free lunches" that are still available in investing is the power of diversification. When you buy an Individual St...  (more)
Answered Jan 2015
    *Answers are submitted by advisors without compensation.

    Licenses & Conducts

    SEC
    U.S. Securities and Exchange Commission
    • license status
      Registered
    • disclosures
      None
    • as of date
      Aug 2, 2017
    FINRA
    FINRA
    • license status
      Registered
    • disclosures
      None
    • as of date
      Jan 17, 2016
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

    Assets

    Cambridge Investment Research Advisors, Inc.

    Last updated on Oct. 31, 2019
      • $44.3B
        Total Assets Under Management
      • N/A
        Total Assets Under Advisement
      • 276K
        Accounts
      • $160.5K
        Estimated Average Account Balance

    Fees

    Types of Compensation Arrangements