Is Yields4U Limited To Specific Investment Strategies Or Products?
No, every person’s retirement needs are different.
Yields4U creates a personalized strategy designed to benefit each of our client’s unique goals.
Why do we need to review our current situation before we can talk about making changes?
The first step in any financial decision-making process must be an evaluation of risk tolerance, income needs, tax liabilities, long-term care needs, estate plans, and charitable desires.
Our initial review helps us to discover whether or not your current strategies align with your expectations for your financial future and help us identify unique risks and opportunities in your current portfolio.
What Do I need to Bring To Our First Meeting?
The following items are requested; the more you provide us, the more we can help you:
Your latest brokerage statements, retirement account statements (IRA, 401(k), TSA, 403(b), etc.), CDs, life insurance policies, and annuity policies (please bring your statements, not just a spreadsheet. The statements have key information that we use to help identify tax risks and saving opportunities.);
Any existing wills and trusts;
A copy of last year’s Federal Income Tax Return;
An estimate of your annual expenses; and
Any questions you may have for discussion.
I Already Work with a Financial Advisor, Why Should I Make a Change?
91 percent of the people who meet with us already have a financial advisor.
Many times, that advisor is not a tax or retirement specialist, and more often than not, that person works for a particular company rather than for the client. Therefore, he or she may be limited in the products and strategies that he or she can offer.
At Yields4U, we provide our clients with proprietary strategies that allow us to minimize market downturns while capturing market gains. These strategies allow us to create for our clients a predictable and dependable retirement solution that provides security and peace of mind throughout retirement.
What Is an Accredited Portfolio Management Advisor and Why Is It Important To Me?
An Accredited Portfolio Management Advisor or APMA designee is an expert in portfolio construction and management.
Accredited Portfolio Management Advisors (APMA) are trained in advanced portfolio analytics and risk management including:
Portfolio Risk and Return Analysis
and Retirement Cash Flow Strategies
Equities, Debt, Fixed Income, and Mutual Fund Valuation and Analysis.
Derivatives, Structured Products, and Real Estate Investments
As an Accredited Portfolio Management Advisor and Investment Advisor Representative, Leibel Sternbach is a financial professional who is held to a fiduciary standard of care.
A fiduciary is a financial professional who is required to put your interests first.
In addition to being an Accredited Portfolio Management Advisor, Leibel is an Enrolled Agent with the IRS, a National Social Security Association Advisor certificate holder, and a Chartered Financial Consultant, which is like a more educated CFP.
Additionally, Leibel has passed his Series 65 and is a Life & Annuity Licenses holder (inactive.)
Leibel has gone through the Ed Slott Elite IRA Advisor program, and Leibel's advice has been featured on Forbes, The Wall Street Journal, Reader's Digest, USA Today, InvestmentNews, MarketWatch, LegalZoom, CNN Business, FOX, CBS, NBC, and Yahoo! Finance websites.
Leibel is also the author of multiple Amazon best-selling books on financial planning and business.
What Are My Obligations For My Complimentary Consultation?
There is absolutely no charge or obligation.
What Happens During Our Initial Meeting?
During our first call (over zoom) is a 15-minute meet and greet.
We will answer and address any questions you may have.
This call is designed to give you the information you need so you can decide if we can help you achieve your financial goals.
I'll explain the Yields4U process and answer any questions you have, about the process, or any pressing needs. At the end of the call, you'll have an opportunity to continue the process or part friends.
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