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Our Services

Most people have various investments and may get advice from several services. However, it’s amazing how many of these successful people invest without a plan that is properly implemented, monitored, measured, and modified. The key to achieving your financial objectives begins with proper planning. Our contact management process and review meetings ensure that we keep in touch with you, your money, and your plan. We also work as a team with CPAs and estate planning attorneys to provide the best possible integrated plan for your security and financial independence. 

Below are the areas of our expertise and services offered:

Asset Allocation
401(k) Rollover Services
Investment Portfolio Analysis
Portfolio Reviews
Withdrawal of Retirement Assets Before Age 59 ½ Without Penalty
Other Services
Retirement
Insurance
Mutual Funds
Managed Accounts
Tax Deferred Annuities
Full Service Brokerage
Alternative Investments

Asset Allocation

If you are one of many Americans who believes your best investment strategy is to buy low and sell high, you may want to explore the possibilities of asset allocation. Asset allocation is the decision of what percentage of your assets are invested in various asset classes. Strategic asset allocation involves establishing different weightings for various asset classes and making few changes in those weightings over the short run. As a result, although no investment strategy can guarantee success, a properly allocated portfolio may be more likely to participate in positive investment trends while at the same time reducing volatility when the investment climate changes.

The asset weightings in your portfolio will depend on your individual needs and financial objectives. As your lifestyle changes, you can, with the help of your financial advisor, change the weightings in your portfolio to reflect your changing goals. For example, in your early investment years, you will probably want a larger portion of your assets invested in equities, for long-term growth. Although past performance cannot guarantee future results, equities have historically outperformed other investment vehicles. As you get older and need to start investing more conservatively, you will probably want to start shifting more of you assets into less volatile investment vehicles, such as fixed income investments. 

Contact us today or call us at 972.966.3110, to learn more about asset allocation, and how it might benefit you. We can help you establish asset weightings tailored to your long-term investment objectives.

401(k) Rollover Services

If you are changing jobs, retiring, or have been laid off, selecting a distribution option for your 401(k) plan can be a critical decision. Selecting the way you receive your distribution before evaluating all your options can be a costly mistake.

FREE 401(k) Rollover Analysis Including:

  • Exploring your distribution options.
  • Avoiding the 20% withholding trap.
  • Discovering how to take control of your retirement savings.
  • Learn how to stretch your IRA benefits to your heirs (an option not available in a 401(k).
  • Deciding whether a rollover IRA is right for you.
  • Discuss how to access your retirement assets prior to age 59 1/2 - WITHOUT A PENALTY.

Contact us today or call us at 972.966.3110 for a Free 401(K) Rollover Analysis. Let me assist you in making the best decision based on your personal needs! 

Investment Portfolio Analysis

In today’s investment climate, constant attention to your portfolio has never been more important. I keep continuously monitoring your portfolio to make certain that your investments are inline with your objectives. I communicate regularly with you through person-to-person meetings, e-mail, letters, statements, and phone calls.

When your risk tolerance changes or when current market conditions dictate changes, recommendations are made in your portfolio to bring it in-line with your objectives. Whether your investment objective is to protect your investment and draw income or to grow your investment for the long term of retirement, I will continuously monitor your investment plan to make certain it meets your needs. 

The cornerstone of our business is providing the highest level of unbiased financial services and advice, so I can concentrate our time and energies not on products and quotas and sales goals, but on understanding your individual financial goals. 

Contact us today or call us at 972.966.3110 to arrange for a FREE consultation regarding your investment portfolio analysis. 

Portfolio Reviews

When was the last time your financial advisor called or suggested rebalancing your portfolio? What risk strategies do you have in place to minimize further erosion of your nest egg or retirement account? 

I do not presume to have all the answers - these are complicated times. What I do know is that frequent communications with clients enables me to help them respond to changing market conditions and events in their personal lives that may precipitate portfolio adjustments. 

COMPLIMENTARY AND THOROUGH PORTFOLIO REVIEW 

I would like to offer you a no-obligation portfolio review and consultation or an insurance review analysis as a way of introducing my services to you. I will evaluate your current situation in light of your objectives and offer sound, objective investment planning guidance. 

As an independent representative of Centaurus Financial Inc., I have access to the research, resources, and technology of a market leader - offering you state-of-the-art investment solutions and superior service. Centaurus Financial does not create its own investment products, nor does it engage in investment banking activities. Consequently, we can confidently select and recommend only those investments that are best suited for your situation. 

Contact us today or call us at 972.966.3110 for a FREE consultation regarding your investment portfolio analysis.

Withdrawal of Retirement Assets Before Age 59 1/2 Without Penalty - IRC 72(t)

Do you rate an exemption from the penalty for early withdrawal of retirement funds? There are eight exemptions to access your retirement funds before age 59 1/2 without penalty if an unforeseen circumstance should arise.

Contact us today or call us at 972.966.3110 to discuss how this could apply to you.

Other Services

Through Centaurus Financial Inc., and Pershing LLC we can also provide assistance in the following areas:

  • Comprehensive Financial Planning
  • Retirement Planning, 401(k) and Pension Planning
  • College Planning
  • Estate Planning
  • Wealth Transfer
  • Brokerage Accounts
  • Tax Avoidance
  • Insurance Needs

Retirement Planning

  • Traditional/Roth IRAs
  • Simple IRAs
  • Simplified Employee Pension IRAs
  • 401(k)
  • Roth 401K
  • Safe Harbor 401(k)
  • Single Person 401(k)
  • Profit Sharing and Pension

Insurance

  • Life
  • Term
  • Whole (UL)
  • Variable
  • Universal 
  • Variable Universal
  • Survivorship
  • Long-Term Care
  • Disability

Mutual Funds

  • No-load advisory fee based
  • Open-end
  • Closed-end
  • Diversified
  • Non-diversified
  • INDEX funds
  • ETF’s

Separately Managed Accounts

  • Fee based managed accounts

Tax Deferred Annuities

  • Guaranteed Fixed
  • Variable
  • Variable with Living Benefits
  • Index

Full Service Brokerage

  • Stocks
  • Bonds
  • Municipal Bonds
  • Government Securities
  • Money Markets
  • Credit/ Debit Cards

Alternative Investments

  • REITS
  • Direct Participation Programs
  • Limited Partnerships