Loren Kayfetz, CFP®, ChFC®, CLU®
Emeryville, California, 94608
Member Since 2005
Personal Financial Consultants works with individuals and couples who want an ongoing relationship with a trusted financial planner. Our clients are busy people who are involved in other meaningful activities and prefer to delegate the day-to-day management of their portfolio. Our services are personal: we get to know you and create personalized investment strategies based on your needs, dreams and goals. We are fee-only planners and our compensation is not based on the sale of financial products. Our Certified Financial Planners™ advocate for your financial wellbeing and long term financial independence. To learn more about our services you can visit our website at www.PersonalFinancial.com.
My Location
Background Information
Years of Financial Experience
- 30
Education
- Thomas Edison State College, BA Liberal Studi (BA Political Science)
- The American College (MS in Financial Services)
Certifications and Designations
- CFP®
- ChFC®
- CLU®
- MSFS
Association Memberships
- Financial Planning Association
Methods of Compensation
- Financial Planning: Asset-based fee, Hourly fee, Fixed fee
- Investment Services: Asset-based fee
Full Disclosure
- I practice full disclosure for credentials, ethics, business practices, compensation, potential conflicts of interests, and financial services.
Primary Custodian(s)
- TD Waterhouse/Ameritrade
Types of Financial Reports
- Performance Report (Quarterly)
- Market Environment Report (Annually)
- Custodial Report (Monthly)
- Newsletter (Quarterly)
Additional Business Practices
- I provide a written agreement to clients before I provide any advice or services.
- I work with remote clients over the telephone and Internet
- My clients have online access to their financial data
- I review my clients' financial plans with them upon request
- I review my clients' investment portfolios with them quarterly
Registration & Licensing
- CRD/IARD Number: 26440
- Securities Registrations: None
- Insurance Licenses: None
Company Names
- Registered Investment Advisor: Personal Financial Consultants, Inc.
- Broker/Dealer: None
Fiduciary Status
- Acknowledged Fiduciary in advisory relationships
Compliance Record
- No Disclosures
Criminal Record
- No Disclosures
Planning Services
- Financial Planning, Retirement, College Funding, Estate, Tax
Investment Services
- Strategy Development, Written investment policy, Asset allocation, Re-Balancing, Risk Management, Performance Reporting, Tax Efficient Strategies, Review Current Portfolios
Investment Products
- None
Visit Website - http://www.PersonalFinancial.com
