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Frequently Asked Questions

The Retirement Income Certified Planner® (RICP®) designation denotes an additional comprehensive, practical education for financial professionals who have earned designations such as the CFP. The RICP puts a direct focus on building retirement income plans using multiple methodologies. See RICP.

The Certified Financial Planner®(CFP®) is one of the highest level of educational designations in the financial planning industry. See CFP.

Traditional investment planning focuses on accumulating assets for retirement. Retirement income planning addresses the various risks of retirement, legal and tax issues that can undermine a plan, as well as strategies that can be used to generate income from assets. Comprehensive retirement income planning takes a close look at the available sources of retirement plan income, previews the Social Security claiming issue, distribution options from retirement plans, annuity products used in retirement income planning and addresses health-care issues. We focus on retirement income planning to build an appropriate bridge between your pool of assets and a steady stream of income that will last for the duration of your retirement.

A: Yes, I am an independent advisory representative affiliated with The Strategic Financial Alliance (SFA), an independent broker dealer. SFA allows me access to support such as research, due diligence and trading platforms so that I may fully focus on getting to know you and meeting your needs.

A custodian is a financial institution that holds an investor’s assets as an extra layer of safety to minimize the risk of theft or loss. We will never have direct custody of your assets. We work with both Pershing LLC, a subsidiary of The Bank of New York Mellon, and Charles Schwab Corporation to provide custodial services for our clients’ assets.

This communication is strictly intended for individuals residing in the states of California and Kansas. No offers may be made or accepted from any resident outside the specific state(s) referenced.

 Securities and advisory services offered through The Strategic Financial Alliance, Inc. (SFA), member FINRA, SIPC. Mark O'Brien is a registered representative and an investment advisor representative of SFA. CA Insurance License # OF32502

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