The Good: he is a CFP, which means he is certified for financial planning and guiding clients toward sound investments.



The Bad: his choices for clients' portfolios primarily benefits himself/LPL, with high front load fees and expense ratios. I wanted (and would if I did not fear litigation) to punch him in the mouth after I learned how he was advancing his own finances compared to my wife's finances, WHICH IS CONTRADICTORY TO A CFP's CREDENTIALS! Hire a fee-based CFP, where they are paid at an established fee for their professional service: to provide guidance without recurring fees and schemes, such as 'Nice Mike'. I had to calculate the losses on paper for my wife for her to withdraw her investments with him. In three years he never actively managed a cent: her finances sat in the same mutual funds. She had ~$1200 gains one year for the risks on her stocks/bonds, and his 'fees' negated ~$800 from it: think about that. Instead, visit a reputable CFP and invest your hard earned dollar in low-expense, no load index funds, as a good CPF would guide you.