Services & Benefits by Jim Stephan
James E. Stephan is a Registered Representative with Securities America, Inc., a full service independent Broker/Dealer with over 1900 Financial Professionals nationwide. Jim is also a Financial Advisor offering advisory services through Securities America Advisors, Inc. Jim's advisory practice has always provided Independent Custodians for Client funds, Trusts, or Brokerage accounts. This means your assets are accounted for by third party bookkeeping services.
Services and Benefits:
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Jim's Silver Financial Plans Help you Plan Your Escape: to prepare, then manage your cash flow & budget beginning now and through you retirement years. Jim's plans will lessen the risk that you outlive your assets. This Silver Plan is free of charge to you as Jim's Client.
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Albridge Wealth Reporting: Provided to you by a secure website & consolidates all your accounts (with analytical & performance reports available 24-hours a day), into one report.
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Income for Life Model: a strategy for regular monthly income. This is a time-segmented investment model providing an inflation-adjusted monthly income. This model provides a monthly distribution planning framework to help reduce the risk of using up principal or selling assets during market corrections.
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• Portfolio Asset Allocation & Risk Reduction: to establish risk tolerances then manage portfolio Risk/Return with optimization models & investment planning.
• Life Event Planning by Advisor James Stephan:
A. Life Event Planning: Marriage, Birth, Inheritance, Charitable Giving, Retirement Settlements, Death, Divorce & Illness normally dictate the need for planning review.
B. Organize your financial affairs & estate effectively with Jim's help and tools.
C. Provide for beneficiaries properly to avoid common errors.
D. Debt management to regain control of your debt.
E. Regain control of your budget & start building assets for tomorrow.
• Investment Accounts: Brokerage Accounts, Tax-deferred, IRAs, Mutual funds, 3rd party Money Managers, 401k's, 403b's, SEP, Simple Plans and Individual Stocks & Bonds trading.
• Brokerage Accounts: Carried by National Financial Services, LLC (NFS) a Fidelity Investment Company, are protected in accordance with the Securities Investor Protection Corporation (SIPC), up to $500,000 in securities (including cash claims limited to $100,000 in cash). For more details, see www.sipc.org. Additional FDIC insured protection is available for eligible brokerage sweep accounts for cash balances $250,000 up to $1,000,000 through an affiliated 8 bank network to include Ameriprise Bank, FSB. For more details, see www.fdic.gov.
• Pension Rollovers, Design & Implementation for: 401k, 403b, 457, Defined Benefit Plans, Money Purchase, Profit Sharing, SEP & Simple Plans.
• Insurances: offered by Jim Stephan to include Long Term Care, Health, Disability, Life (term & permanent), HSAs, Cafe Plans, and more. More details
• 529 Education Plans: 529 Plan assets used to pay for qualified higher education expenses can be invested for growth & can grow free from Federal tax and Minnesota state tax. More details
• Jim's Financial Tips: monthly subscription newsletter by email or quarterly mailing provided to you free of charge as a Client. More details
• Jim's Weekly Market Commentary: subscription provides timely economic news and analysis to help you stay current on events that can affect your financial portfolio or your business; provided free of charge as a Client. More details
• Jim's Website www.jimstephan.com offers many resources: instruction videos under the Learning Center, planning and emergency forms under the Client Library along with archived newsletters and economic commentaries. Links to all services are located here as well.
