About
Making & Meeting Goals
As Financial Advisors, true Fiduciaries, we start by documenting your goals and then compare them to your current portfolio. We use state of the art financial planning tools designed to make understanding your future easy! It is absolutely our job to look for tax advantages, and to help you guarantee the transfer of assets through estate planning. You can count on unbiased recommendations and impartial guidance based directly on your needs and goals because we offer fee based and asset based consultation plans.
Frequently Asked Questions
Please contact us if you cannot find an answer to your question.
A Special Needs Advisor goes beyond what a regular advisor does.
1. Creating a financial plan: A Special Needs Advisor can help create a comprehensive financial plan that includes the costs of caring for a child with special needs. They can help identify sources of funding and develop a budget that can help the family achieve their financial goals.
2. Special Needs Trust: A Special Needs Advisor can help set up a special needs trust to protect assets for the benefit of the child with special needs. This type of trust can help ensure that the child's needs are met and that they continue to qualify for government benefits.
3. Estate Planning: A Special Needs Advisor can help a special needs parent plan their estate, including drafting a will, selecting beneficiaries, and setting up guardianship. They can also help ensure that the estate plan is updated as the child's needs change over time.
4. Government benefits: A Special Needs Advisor can help a special needs parent navigate the complex world of government benefits. They can help the family understand eligibility requirements and assist with the application process.
5. Tax Planning: A Special Needs Advisor can help a special needs parent understand the tax implications of caring for a child with special needs. They can help the family identify tax deductions and credits that can help reduce the family's tax burden.
6. Investment strategies: A Special Needs Advisor can help a special needs parent develop an investment strategy that aligns with their financial goals and risk tolerance.
7. Retirement planning: A Special Needs Advisor can help a special needs parent plan for their retirement while also ensuring that they are able to provide for their child's future needs.
There are many ways to ensure financial growth and reach your goals. Some options are investments, savings strategies, budgets, insurance, and tax strategies and yes some investment strategies have guarantees! Your goals decide which approach is right for you and your family.
Yes! We can help you figure out what you need to do to retire at your desired age. We also will make sure your special needs child is set up as well. We can also assist with, life insurance ,and estate planning.
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Greater Promise Financial LLC
1317 Edgewater Drive, Orlando, Florida 32804, United States
689-220-1984 michael@greaterpromisefinancial.com Check me out with the SEC: <<https://adviserinfo.sec.gov/<<
Hours
Monday - Friday: 9am - 5pm
Saturday: By appointment
Sunday: Closed
An Introduction
Michael Wardeh, ChSNC®
The owner/founder of Greater Promise has been in the financial services industry since 1998, has proudly served thousands of clients. Born/raised and currently lives in Orlando, FL. After graduating FSU, he married to his beautiful wife, Kim and they now have two grown children.
Charted Special Needs Consultant
A professional who specializes in providing financial advice and guidance to families with dependents who have special needs. They have a deep understanding of the unique financial challenges that arise when planning for the long-term well-being of individuals.
Fiduciary Responsibility
At Greater Promise Financial,LLC, A fiduciary duty is the highest standard of care one party can owe to another. When it comes to an investment advisor, being a fiduciary means that we are legally and ethically bound to act in the best interests of our clients. This duty requires us as advisors to prioritize our clients' interests above our own and to provide advice and recommendations that are solely aimed at benefiting our client.
Here's a breakdown of what being a fiduciary entails for an investment advisor:
- Putting Clients First: A fiduciary investment advisor must always prioritize the best interests of their clients when making recommendations or managing their investments. This means recommending investments that are suitable for the client's financial situation, risk tolerance, and investment objectives, rather than ones that may generate higher commissions or fees for the advisor.
- Avoiding Conflicts of Interest: Fiduciary advisors must disclose any potential conflicts of interest that may arise from their recommendations or business practices. They are required to manage these conflicts in a way that ensures they do not interfere with their ability to act in the client's best interests. If a conflict cannot be avoided, it must be fully disclosed to the client, who can then make an informed decision.
- Acting with Prudence: Fiduciary advisors are expected to exercise diligence, care, and skill in managing their clients' investments. This includes conducting thorough research, monitoring the performance of investments, and adjusting strategies as needed to adapt to changing market conditions or client circumstances.
- Providing Full Disclosure: Fiduciary advisors are obligated to provide clients with all relevant information about their services, fees, compensation structure, potential conflicts of interest, and any other factors that may impact the client's investment decisions. This transparency enables clients to make informed choices and understand the implications of their investment decisions.
Integrity, Honesty, and Loyalty
By adhering to this standard, fiduciary advisors aim to build trust and confidence with their clients, knowing that their financial well-being is always the top priority.
Investment Advisor Representative
At Greater Promise Financial,LLC, Michael Wardeh, ChSNC, is a registered investment advisor representative. The information presented on this website is for informational purposes only and does not constitute personalized investment advice.
Important Disclosure:
- No Guarantee of Performance: Past performance is not indicative of future results. Investments involve risk, and the value of investments may fluctuate over time. Just because the Kansas City Chiefs have a recent history of winning doesn't mean that they will win this year although you never know.
- Client Suitability: All investment strategies are NOT suitable for ALL investors. There is no one size fits all category. Before making any investment decisions, we will go through a lengthy qualification process to determine your risk tolerance as well as your understanding and level of involvement with investing and it's risks, you're welcome.
- Fees and Compensation: Investment Advisor Representative, Michael Wardeh, ChSNC, may receive compensation for advisory services rendered. Fee structures and compensation arrangements will be fully disclosed and explained to clients prior to engagement.
- Conflicts of Interest: Investment Advisor Representative, Michael Wardeh, ChSNC, and/or affiliated entities may have conflicts of interest that could affect the recommendations provided. If any conflicts of interest arise they must be disclosed and managed in accordance with applicable regulations and best practices.
- Third-Party Links: This website may contain links to third-party websites or resources. Investment Advisor Representative, Michael Wardeh, ChSNC, is not responsible for the content or accuracy of information provided on third-party sites.
Additionally:
Investment Advisor Representative, Michael Wardeh, ChSNC may only transact business in states where he is registered or exempt from registration. Individualized responses to clients that involve either the effecting of transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.
This disclosure statement is designed to inform website visitors about important aspects of the services provided by the Investment Advisor Representative and their affiliated firm, as well as to meet regulatory requirements.
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Policy on Legal, Tax, and Investment Advice
At Greater Promise Financial, LLC, we provide special needs financial planning services to help our clients achieve their financial goals. However, it is important to note that we leave the legal and tax advice to our professional partners. We are a financial planning firm and wealth / money managers so we offer advice on investments and planning for a fee.
Our financial planning services are focused on helping clients manage their financial resources, create a plan to meet their goals, and provide guidance on financial decisions especially those involving a special needs individual. We do not provide legal advice or services, such as drafting legal documents, interpreting legal agreements, including Trusts or representing clients in legal proceedings.
We also do not provide formal tax advice or preparation services, such as preparing tax returns or interpreting tax laws and regulations. With regard to tax strategies that we are specifically trained in, have used and are familiar with that relates to the Special Needs Market or wealth management, we will advise on.
Our main focus is to provide education and information on financial matters and help clients make informed decisions based on their financial goals, objectives, and risk tolerance.
We may work with clients' attorneys, tax advisors, and third pary investment money manager professionals as needed to coordinate our financial planning services with other professional services our clients receive.
If a client requests advice on legal, tax, or market investment matters, we will refer them to qualified professionals in those fields just as a foot doctor may recommend you to the dermatologist.
We believe that providing clear guidance on our scope of services and limitations is essential to maintaining the trust of our clients and delivering high-quality financial planning services. If you have any questions or concerns about our policy on legal, tax, and investment advice, please do not hesitate to contact us. michael@greaterpromisefinancial.com
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Privacy Policy
At Greater Promise Financial, LLC, we value your privacy and take measures to protect your personal information. This privacy policy outlines how we collect, use, and protect your information when you use our special needs planning services.
- Information We Collect
We may collect personal information from you, including your name, address, phone number, email address, financial information, and other information necessary for providing our special needs planning services all while complying with HIPAA The Health Insurance Portability and Accountability Act of 1996 (HIPAA) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient's consent or knowledge.
- How We Use Your Information
We use your personal information to provide you with our special needs planning services, communicate with you about our services, and improve our services. We may also use your information to comply with legal obligations and enforce our policies.
- Information Sharing
We do not sell or rent your personal information to third parties. We may share your information with trusted third-party service providers who assist us in providing our services. We require these providers to protect your information and only use it for the purposes of providing their services to us.
We may also disclose your information to comply with legal requirements or protect our rights and interests.
- Your Rights
You have the right to access and control your personal information. You can request to access, correct, or delete your personal information by contacting us at [contact email]. We will respond to your request within a reasonable timeframe.
- Data Security
We take reasonable measures to protect your personal information from unauthorized access, disclosure, and misuse. We use industry-standard security technologies to protect your information, and we regularly review and update our security measures.
- Changes to This Policy
We may update this privacy policy from time to time. We will notify you of any changes by posting the new policy on our website or sending you an email. You should review this policy periodically for any changes.
- Contact Us
If you have any questions or concerns about our privacy policy or how we handle your personal information, please contact us at michael@greaterpromisefinancial.com.
Greater Promise Financial Services, LLC
Copyright © 2024 Greater Promise Financial - All Rights Reserved.
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