Wealth Management & Comprehensive Services

From A Fee Based Fiduciary

Since 1989, Joseph Latour has counseled thousands of clients as a financial advisor, retirement planner and insurance agent for some of the nation's leading financial institutions.

He is now an independent fee based advisor who provides a combination of retirement planning, wealth management and comprehensive services using the fiduciary standard to retirees and pre-retirees with $250,000 or more of investable assets.

Finally.

One firm delivering all of the financial products and services needed during retirement while acting as your fiduciary.

Your Current Advisor may not be acting as your fiduciary.

The US Department of Labor Fiduciary Rule that become effective, on June 9, 2017, is officially dead. We see that as a loss for clients.

This should be important to you.

Is your current advisor a Fiduciary?

Joseph Latour

President

☎ CONTACT

joe@advfid.com

(770) 781-3940 Office

(770) 570-8585 Mobile

(770) 781-5574 Fax

What I Offer My Clients

Written Analysis

You have done a great job saving for retirement and have saved $250,000 or more in various accounts.

I will perform an analysis of:

All of your accounts and holdings including costs, fees and performance

All of your sources of income including social security

All of your current or future monthly spending during retirement

The insurances needed including life, long term care, disability, final expense and medicare supplement or advantage plans

A projection of health care costs during retirement and solutions to meet you needs

Written Plan

I will develop a written plan utilizing software, including a Monte Carlo analysis that will establish:

How much income is required in retirement

How much income can be generated from pensions, social security and other sources

The portfolio of investments that is required to produce the income gap that is indicated and matching with the client's risk tolerance

Cash flow analysis including required monthly income to meet monthly expenses

Your annuity and insurance needs as required and using the fiduciary standard

Written Recommendation

I will provide a written recommendation using the fiduciary standard that will include:

Investment allocation

Investment selection

Income and estate tax considerations

A chosen level of tactical investment management

Specific insurance and annuity product recommendations including life, long term care, disability, final expense, medicare plans and all types of of annuities.