FAQ

Franklin Templeton Meeting in San Mateo California Regulatory Registration & Compliance Nichols Investment Advisory Services is registered as a Registered Investment Advisory Firm with the State of Massachusetts. Licenses, Certifications & Education Insurance Licenses: Life Insurance Broker Health/disability Other Licenses and Designations: AAMS Accredited Asset Management Specialist, College for Financial Planning, Denver Colorado 1997 Education: BA,Bachelors Degree Merrimack College, N. Andover, MA 1979 MPA,Masters Degree Public Administration, Suffolk University, Boston, MA 1981 How Advisor is paid Fee based on percentage of assets under management, fees range from fifty basis points to two percent. Fee for financial planning: No initial fee, modular analysis $300, hourly $300 Commission on traditional insurance products Compensation (method and disclosure) I work with clients on a fee only basis. When requested I will inform clients of any commissions earned from the sale traditional Life insurance products or annuities. Philosophy I will recommend products and services to clients that are based on what is in their best interests without regard to my level of Compensation. When apropriate, I may refer my clients to other, related professionals for services they are better able to provide than I. I sometimes receive referral or other fees from these professionals. My firm does not, nor does any affiliate or member firm, act as general partner, participate in or receive compensation as a general partner from investments that I recommend.