DavidSteininger- Financial Advisor Bellingham, WA

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About David Steininger

As an investment advisor representative (IAR), I work with individuals and intergenerational families, with independent contractors and W2 employees, and with companies and their owners.

As a fiduciary, I help with strategies that are most suited to clients' specific financial best interests, as comprehensive or as simple as those may be. I'll confer with a client's tax preparer and utilize an entire network of best-in-class legal and professional specialists, such as estate planning attorneys and business consultants, whenever necessary to ensure all-inclusive levels of lifelong financial success for a client.

See Disclosures

General Information

Firm Start Year

1977

No. of Employees

1000-1999

CRD#

4193984

Firm CRD#

10111

Insurance License#

OC97056

Name of Broker/Dealer

PFS Investments Inc.

States Licensed in

CA, WA

Years of Experience in Financial Services

Number of Years with Current Firm

Work Experience

I didn't always "eat, sleep and breathe" financial services. I came into the profession after a lot of other kinds of life and work experience. In 1975 I earned a BFA in Theatre from the University of Cincinnati, then an MFA in writing from UCLA in 1978. After writing a little for television and having a couple of plays professionally produced I became a corporate employee. In 1999 I met with a financial professional because I was desperate for help with an old 401(k).

My financial ignorance at that point was embarrassing. But I was assured it was also universal. Most of us aren't taught the basics of personal finances at home or in school. When we start our work lives we are generally all thrown to the lions financially.

The financial professional I was lucky enough to meet gave me a sorely needed education then worked with me to build a personal game plan for optimum financial health. The clarity I received at that critical juncture inspired me to change career paths and deep-dive into attaining all the accreditation and licensing necessary to become a full-fledged financial professional myself.

Work with the following types of clients

Individual Investors, Businesses

Advisory Services Provided

Money Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Insurance Products & Annuities, Investment Advice & Management, Financial Advice & Consulting, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Wealth Management

Compliance

Registered Investment Advisor

Registered Representative

Investment Advisor Representative

Acknowledged fiduciary

Compliance Disclosures in Last 5 years

I have a clean record

Criminal Disclosures in Last 5 years

I have a clean record

Qualifications & Membership

Securities Licenses

Series 6, Series 26, Series 65, Series 63

Insurance and Annuity Licenses

Life, Variable Annuity, Annuity

Firm Information

Firm's Number of Clients

3 million

Firm's Number of Planning Clients

Many

Assets Managed by Firm

$3 billion

Compensation and Fees

Fee Structure

Fee-Based

Minimum Portfolio Size for New Managed Accounts

$50,000

Compensation Methods

Based on Assets

Fee % Based on Assets

1% or less

Additional Details on Charges

No charge for consultations or planning services. No upfront costs for moving assets into a Managed Account. Depending on account balance amount, and the kinds of investing styles utilized, the "all-in" Managed Account cost is an annual wrap fee of between 1.55% to 1.95% of net asset value including the 1% or less advisory fee.

Separate Components of the Wrap Fee:

* Advisor Fee: The charge for RIA supervision and IAR advice and servicing

* Custodian Fee: The charge for executing, clearing transactions, statements, tax reporting, safekeeping of assets and client portal management

* Asset Manager Fee: Third party, non-proprietary charges for providing asset allocation and portfolio management and other account management services

* Administrative Fee: RIA's charges for billing, performance reporting, tax reporting and other admin services.

Minimum Fee Charged for Managed Accounts

Minimum Fee Charged for Hourly Planning Accounts

Education

Bachelor of Fine Arts - Theatre Arts

University of Cincinnati
9/1971 -6/1975

Master of Fine Arts - Writing for Stage and Screen

UCLA
09/1976 -06/1978

Disclosures

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Additional Detailed Disclosures
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Paladin Research Report For:

David Steininger

Primerica Advisors