Ben C. Kaufmann

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Description

-Exactly what financial services will you provide me with? Budgeting, retirement planning, financing children's education, tax saving concepts, financial aspects of business or work, fringe benefits provided by work, wealth protection and transfer, gray market, investments, minimization of taxes, understanding current tax laws, estate planning, a thorough review of insurance, and charitable giving. -Is your use of financial products and services limited at all? There are certain limitations that we place upon ourselves. For example, we are not experts in investments of precious gems, nor are we practitioners of the legal profession or accounting. -How are you qualified to provide those services? Through education, the information about education will be answered in the next question. However, personal and practical experience in the areas of providing knowledge and service have been completed as actually implementing personally the advice given, as well as the ownership and investment of financial products. For example, I began investing in the equity market at age 18, and purchased my first investment real estate at age 26 with other and various investments taking place over the past 40 years or so. -What are your educational qualifications and specific areas of study? Received Bachelor of Arts degree from Eastern Kentucky University with graduate studies at the University of Tennessee Law School. Have received two advanced degrees from the American College as well as the Certified Financial Planner designation from the College of Financial Planning. In addition, have taught a financial course at Transylvania College in Lexington, KY, as well as courses at Midway College, in Midway Ky, and at one time was adjunct faculty for the College of Financial Planning. Attend conferences and seminars annually, and am required to obtain many hours of continuing education to keep specific licenses. -How will I pay for financial products or services? In the reverse order, specific fees pay for our services. With regards to products, we always try to find the best products for no cost, or least expensive cost. We begin by looking at products without a commission, but sometimes a commissionable product would be less expensive than a non-commissionable one. However, State Law prevents us from charging a fee if we would make a commission off of a product. -What professional licenses do you hold? Certified Financial Planner[CFP] , Chartered Financial Consultant[ChFC], Certified Investment Consultant[CIC], Chartered Life Underwriter[CLU]. -Have you ever had any disciplinary problems in the field? In the 39 years of practice, I have never had a disciplinary problem. -What is your work history and experience with clients? Clients come from many different backgrounds to those who simply need a budget, and others who need a sophisticated financial plan. First during the meeting with a potential client, many times the financial problem can be solved, so there is no cost. Typically, we charge $150 per hour, or can talk to a client about a specific cost for whatever financial planning work that they may require. -What hours do you work and when are you not available? Typically we are available 24/7. Of course there may be some holidays that we might not be available. Also, I am out of the office approximately every 3 or 4 months to attend a seminar, investigate investment potentials in different areas, and to visit clients; typically, this period is from one week to ten days. However, the staff in our office can locate me, no matter where we may be on a trip.

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