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2911 Toccoa Rd. |
9595 Six Pines Drive Suite 8210 The Woodlands, TX 77380 1.832.631.6060 Fax 1.832.631.6065 |
10 Questions
Oak River Financial Group answers the Ten Questions* Retirees
Should Ask Financial Advisers before They Hire Them.
1. What are your qualifications?
Gary and Aaron have spent the last several years focusing on advising retirees. Gary and Aaron both hold a series 65 license, registered investment adviser representative. They also are licensed agents with the State of Texas department of insurance. Both are very comfortable making financial recommendations, because they truly believe they understand retirees and their specific needs.
2. What experience do you have?
Gary has 30 years of financial experience, including owning and operating a Registered Investment Advisory firm for the last 10 years. Aaron has been in financial services for the past 4 years. Oak River's offices have been located in Beaumont, Texas for all 10 years.
3. How do you conduct business?
We operate a Registered Investment Advisory firm and specialize in providing investment advice to retirees and a select group of high net worth individuals. Our practice is staunchly independent, we recommend what is best for each client.
4. What do you recommend?
Depending on the person's situation, we recommend no-load mutual funds, dividend-paying blue-chip stocks, bonds, CDs, preferred stocks, and certain types of annuities from very well-rated insurance companies.
5. How do you get paid?
We get paid in either of two ways:
As investment adviser representatives of Oak River Financial Group, Inc. an SEC registered firm, we manage investment accounts of a fee basis instead of receiving a commission for placing security transactions.
If we recommend an annuity or similar financial product to a client, the insurance company will compensate us for providing information and advice on the product, comparing the product to other available options, and for providing ongoing service.
6. Describe your typical client.
All we do is work with retirees and those about to retire. Most of our clients are between age 60 and 85. We do have a few youngsters in their 50s, but our focus is helping those who are facing retirement decisions or who are already retired.
7. What is your approach to financial planning?
Our approach to financial planning is to understand the needs of our clients, and then to determine whether or not their current investments are meeting those needs. If they are, then we tell them so. If they are not, we prepare written recommendations that show the changes that need to be made, and how the proposed plan can help them for many years to come.
8. Who will be my adviser?
Both Gary Freeman and Aaron Freeman give general investment advice to Oak River clients. It is the sole responsibility of Gary Freeman for the daily supervision and management of client securities portfolios.
9. Have you ever been professionally disciplined?
Our compliance files are open for inspection at your request.
10. Can I have it in writing?
All recommendations are made in writing. Brochures are provided for any investments or product recommendations.
Gary and Aaron have spent the last several years focusing on advising retirees. Gary and Aaron both hold a series 65 license, registered investment adviser representative. They also are licensed agents with the State of Texas department of insurance. Both are very comfortable making financial recommendations, because they truly believe they understand retirees and their specific needs.
2. What experience do you have?
Gary has 30 years of financial experience, including owning and operating a Registered Investment Advisory firm for the last 10 years. Aaron has been in financial services for the past 4 years. Oak River's offices have been located in Beaumont, Texas for all 10 years.
3. How do you conduct business?
We operate a Registered Investment Advisory firm and specialize in providing investment advice to retirees and a select group of high net worth individuals. Our practice is staunchly independent, we recommend what is best for each client.
4. What do you recommend?
Depending on the person's situation, we recommend no-load mutual funds, dividend-paying blue-chip stocks, bonds, CDs, preferred stocks, and certain types of annuities from very well-rated insurance companies.
5. How do you get paid?
We get paid in either of two ways:
As investment adviser representatives of Oak River Financial Group, Inc. an SEC registered firm, we manage investment accounts of a fee basis instead of receiving a commission for placing security transactions.
If we recommend an annuity or similar financial product to a client, the insurance company will compensate us for providing information and advice on the product, comparing the product to other available options, and for providing ongoing service.
6. Describe your typical client.
All we do is work with retirees and those about to retire. Most of our clients are between age 60 and 85. We do have a few youngsters in their 50s, but our focus is helping those who are facing retirement decisions or who are already retired.
7. What is your approach to financial planning?
Our approach to financial planning is to understand the needs of our clients, and then to determine whether or not their current investments are meeting those needs. If they are, then we tell them so. If they are not, we prepare written recommendations that show the changes that need to be made, and how the proposed plan can help them for many years to come.
8. Who will be my adviser?
Both Gary Freeman and Aaron Freeman give general investment advice to Oak River clients. It is the sole responsibility of Gary Freeman for the daily supervision and management of client securities portfolios.
9. Have you ever been professionally disciplined?
Our compliance files are open for inspection at your request.
10. Can I have it in writing?
All recommendations are made in writing. Brochures are provided for any investments or product recommendations.
*These questions were adapted from the Certified Financial Planner Board of Standards,
"10 Questions to Ask When Choosing a Financial Planner."