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Mike Licciardi and Steve Kelley: Keeping Your Money Safe for 40 Years
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Our mission: safety first; fair rate of return; keep it simple |
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Our promise: no fees, no risk, no losses, no compromises |
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Our results: four decades of financial planning success with no market losses |
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Titles: Safe Money Financial Planners Michael A. Licciardi and Stephen J. Kelley |
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“Until you remove risk, it’s not planning; it’s hoping.” — Steve Kelley |
Warren Buffett said it: “Rule number one: never lose the money. Rule number two: see rule number one.”
Since 1972 we have lived by these rules with only one mission in mind: to provide safe and secure income plans that remove risk, reduce taxes and protect your retirement. During the past four decades we have shown thousands of people just like you how to consistently beat market results by capturing a percentage of the upside with none of the downside. All of our plans are written down with concrete objectives and results. Our no-fee approach means that 100 percent of your money is working for you without having to pay fees or commissions.
Our guarantees mean your money is safe from market losses.
Thank you, New Hampshire, for recognizing our four decades of innovation and service.
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Areas of Focus
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Certain conditions apply. As long as contracts are held to completion, no fees or commissions will be assessed against base contract values. In some cases, additional benefits may be purchased for a fee. Guarantees pertain to minimum returns and protection of principal. Not a security, and principal is never placed at risk for market losses.
Five Star Professional, as a third-party research firm, administered a survey, by mail and phone, to 1 in 4 high-net-worth households (over 55,000 consumers) and registered financial services representatives (over 3,500 financial services professionals) to evaluate the approximately 8,500 wealth managers in the state of New Hampshire. The evaluation was based on nine criteria, including customer service, integrity, knowledge/expertise, communication, value for fee charged, meeting of financial objectives, post sale service, quality of recommendations, and overall satisfaction. After review by a panel of local industry experts and a review of regulatory history, Five Star Professional determined the final list of 2011 Five Star Wealth Managers scoring highest in overall satisfaction and representing less than 7% of the wealth managers in New Hampshire.
• Five Star Wealth Managers do not pay a fee to be included in the research or the final list of Five Star Wealth Managers.
• Only wealth managers with more than five years of experience in the financial services industry are considered.
• The overall evaluation score of a wealth manager reflects an average of all respondents and may not be representative of any one client's experience.
• The Five Star award is not indicative of the wealth manager's future performance.
• Wealth managers may or may not use discretion in their practice and therefore may not manage their client's assets.
• The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or New Hampshire Magazine.
• Please keep in mind that working with a Five Star Wealth Manager is no guarantee as to the future investment success nor is there any guarantee that the selected wealth managers will be awarded this accomplishment in the future. For more information on the Five Star award and the research/selection methodology, go to: fivestarprofessional.com
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