OUR ADVISORS | David E. Ward

David E. Ward, CFP®, MBA
Managing Director, Financial Advisor
CERTIFIED FINANCIAL PLANNER™ Practitioner

Contact Information
Telephone:
(678) 990-0011, x306
Direct: (678) 990-0020
E-mail: dward@npwealth.com
View my profile on LinkedIn:


 
Business experience
  • 2009–Present: Financial Advisor and Investment Adviser Representative of Commonwealth Financial Network®
  • 1997–2008: Financial Advisor, Ameriprise Financial Services, Inc., Alpharetta, Georgia
  • 1988–1996: Regional Financial Consultant, General Electric Capital Corporation, Atlanta, Georgia
Certifications, designations, and degrees
  • CERTIFIED FINANCIAL PLANNER™ practitioner
  • Financial Planning Association member
  • Five StarSM Service Award recipient
  • MBA, 1988, Finance and Real Estate, University of South Carolina, Columbia, South Carolina
  • BS, 1983, Engineering, Michigan State University, East Lansing, Michigan
Personal interests
  • Attending sporting events, golf, billiards, movies, reading, and coaching




    Click any of the links below to learn more.

     
    To positively influence the history of a few select families by applying excellent, client-centered advice that creates a mutually beneficial and enjoyable long-term relationship.

    Business Mission
    (How do I plan to accomplish my vision?)
    1. David plans to positively influence the history of a few select families by:
      • Understanding that every family has unique needs, values, and goals
      • Helping you make smart, well-informed decisions about your money . . . ultimately providing you with greater financial independence, confidence, and security
    2. David plans to deliver client-centered advice by:
      • Realizing that families want unbiased financial planning advice from an experienced professional. By affiliating with Commonwealth Financial Network, David is in a position to offer a full spectrum of investment options free of any proprietary company products.
      • Putting clients' interests and objectives first in all situations
    3. David plans to create a mutually beneficial and enjoyable long-term relationship by:
      • Not taking himself too seriously but realizing that a family's finances are a serious subject
      • Disclosing risks and costs, as well as benefits, in advance
      • Continuing to create and nurture an atmosphere of openness and trust
      • Maintaining a profitable business enterprise
     
    A financial planner helps you:
    • Set realistic financial and personal goals
    • Assess your current financial health by examining your assets, liabilities, income, insurance, taxes, investments, and estate plan
    • Develop a realistic, comprehensive plan to meet your financial goals by addressing financial weaknesses and building on financial strengths
    • Put your plan into action and monitor its progress
    • Stay on track to meet changing goals, personal circumstances, stages of your life, products, markets, and tax laws
    Why Use a CERTIFIED FINANCIAL PLANNER™ (CFP®) Professional?

    A CFP® professional is an individual who has a demonstrated level of financial planning technical knowledge, experience in the field, and holds to a client-centered code of ethics.

    Four Es to Becoming a CERTIFIED FINANCIAL PLANNER™
    • Education: CFP® practitioners develop theoretical and practical financial planning knowledge by completing a comprehensive course of study at a college or university offering a financial planning curriculum registered with the CFP Board of Standards.

    • Examination: CFP® practitioners must pass a comprehensive two-day, 10-hour CFP® Certification Examination that tests their ability to apply their financial planning knowledge in AN integrated format. Based on regularly updated research of what planners do, the CFP® Board's exam covers the general principles of financial planning, insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning.

    • Experience: CFP® practitioners must have a minimum of three years' experience working in the financial planning process prior to earning the CFP® mark. As a result, CFP® practitioners have demonstrated a working knowledge of counseling skills in addition to their financial planning knowledge.

    • Ethics: As a final step to certification, CFP® practitioners must pass an ethics review and agree to abide by the CFP Board's Financial Planning Practice Standards and a strict code of professional conduct, known as the CFP Board's Code of Ethics and Professional Responsibility. The Code of Ethics states that CFP® practitioners are to act with integrity, offering professional services that are objective and based on client needs.

    • Recertification: It is also necessary for every CFP® certificant, once certified to complete a recertification every two years. Those seeking to maintain their certification must attain a minimum of 30 hours of continuing education in order to stay current with developments in the financial planning profession and to better serve their clients. Two of these hours must be spent studying the CFP Board's Code of Ethics and Professional Responsibility or Planning Practice Standards.
    Find out more: http://www.fpaforfinancialplanning.org/

    Copyright © 2009 FPA. All rights reserved.

     
    Professionals
      Description:
      • Established and successful sales representatives, marketing executives, engineers, operations management, vice presidents, and CEOs
      • Works for a major company or regional office
      • Outgoing and respected in his or her community
      • 40+ years old
      • Happily married, strong family values
      • Friendly, helpful, open-minded, and influential
      Life events that influence their financial planning:
      • Recently changed companies
      • Recently promoted
      • Wants to have the option to retire within five years
      • Will retire within the next 12 months
      • Recently was offered or accepted a buyout or early termination package
      • Youngest child recently graduated from college
      • Interested in starting his or her own business
      Desires:
      • Wants to plan for the endowment of a long and comfortable retirement, with no compromises in lifestyle
      • The ability to make a meaningful legacy to a much-loved church, school, charity, or other institution
      • To intervene meaningfully in the financial lives of one's children, during one's lifetime, and/or in the form of legacies
      • Interested in learning about the options available to create a savings plan for children's/grandchildren's education
      • The capability to provide care for self or parents in the later years
    Retirees
      Description:
      • Worked at a large company with at least 20 years' seniority or owned a business
      • 55–75 years old
      • May be consulting at his or her former company or may have started his or her own business
      • Likes to socialize
      • Likes to volunteer
      • Happily married, strong family values
      • Friendly, helpful, open-minded, and influential
      Life events that influence their financial planning:
      • Recently retired
      • Recently sold his or her business
      • Recently widowed
      • Approaching or recently turned 70 years of age
      • Recently accepted a buyout or early termination package
      Desires:
      • Wants to plan for the endowment of a long and comfortable retirement, with no compromises in lifestyle.
      • The ability to make a meaningful legacy to a much-loved church, school, charity, or other institution
      • To intervene meaningfully in the financial lives of one's children, during one's lifetime, and/or in the form of legacies
      • Interested in learning about the options available to create a savings plan for children's/grandchildren's education
      • The capability to provide care to self or parents in the later years
    Successful Entrepreneurs:
      Description:
      • Owns an established, highly successful business or franchise
      • Respected in the community
      • In business for more than 10 years
      • 50+ years old
      • Happily married, strong family values
      • Friendly, helpful, open-minded, and influential
      Life events that influence their financial planning:
      • Interested in preparing a business succession plan
      • Experienced the death of a spouse or other close family member
      • Wants to sell business
      Desires:
      • Wants to plan for the endowment of a long and comfortable retirement, with no compromises in lifestyle
      • The ability to make a meaningful legacy to a much-loved church, school, charity, or other institution
      • To intervene meaningfully in the financial lives of one's children, during one's lifetime, and/or in the form of legacies
      • Interested in learning about the options available to create a savings plan for children's/grandchildren's education
      • The capability to provide care for self or parents in the later years
    Financially Independent, Single Women
      Description:
      • Family oriented
      • Outgoing and social
      • Young at heart
      • 45+ years old
      • Open to learning
      Life events that influence their financial planning:
      • Recently divorced
      • Recently widowed
      • Recently accepted a buyout or early termination package
      • Recently changed companies
      • Recently promoted to a higher level of responsibility
      • Wants to have the option to retire within five years
      • Will retire within the next 12 months
      Desires:
      • Wants to plan for the endowment of a long and comfortable retirement, with no compromises in lifestyle
      • The ability to make a meaningful legacy to a much-loved church, school, charity, or other institution
      • To intervene meaningfully in the financial lives of one's children, during one's lifetime, and/or in the form of legacies
      • Interested in learning about the options available to create a savings plan for children's/grandchildren's education
      • The capability to provide care for self or parents in the later years
     
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    Your first consultation with me should last approximately 45–60 minutes. This meeting is a way for me to understand and prioritize your financial goals; learn what's important to you regarding money; and create a "thumbnail sketch" of where your financial opportunities currently reside.

    There is no cost or obligation for your initial consultation; however, during this first meeting (if we decide that I can add value to your financial situation), I will detail how I am compensated and all costs of working together on your financial plan.
      Client Discovery Worksheet: I often use this worksheet during our initial meeting to establish a common dialogue as we work together to meet your financial goals. You may wish to print and/or review this document to determine what areas we will discuss.
    Examples of common financial planning documents:

    The documents listed below are not required for your initial consultation. If you have specific questions relating to any of these documents, however, please bring them to your first meeting.
    • Bank statements
    • Pay stubs
    • Check registers
    • Mortgage or loan payment books
    • List of assets
    • List of liabilities
    • Wills, trusts, health care powers of attorney, health care proxy, or other powers of attorney
    • Business agreements
    • Retirement account statements
    • Social security statements
    • Pension benefit statement and booklet
    • Investment statements
    • Listing of available investment options in investment and retirement accounts
    • Stock options
    • Homeowner and automobile declarations pages
    • Life, disability, or long-term care insurance policies
    • Business liability, director, and officer insurance policies
    • Tax return
    • List of employee benefits
     
    1. Comprehensive Financial Plan:

      Financial planning is the process that helps you take stock of your financial situation, determine your goals and objectives, and develop strategies to help you take control of your finances to achieve your goals. Comprehensive financial planning encompasses a number of critical areas. These include retirement planning, estate planning, insurance, tax planning, investment planning, cash management, and budgeting. Depending on your needs, it may also include education funding, charitable and planned giving, trust management, and long-term care planning.

    2. Retirement Capital Needs Analysis:

      Our changing society makes retirement planning more critical than ever. Longer life expectancies, reduced pension plans, corporate “rightsizing,” the trend toward multiple job and career changes, and rising health costs, all make planning for retirement imperative.

      Retirement planning involves identifying your wants and needs, developing a plan to achieve them, acting on your plan, and continually reviewing and revising your plan. Your plan could answer some of the following questions:
      • What is the right time to take social security?
      • What else should I do when I maximize my annual 401(k) investment?
      • What are my distribution options at retirement?
      • What rate of return do my investments need to generate so that I do not run out of money?
      • How do I reproduce my paycheck in retirement?
      • How will inflation increase my expenses over time?


    3. Estate Plan:

      Most people, not just the rich, can benefit from estate planning. Estate planning involves making decisions in advance of your death about the use, maintenance, and disposal of your estate, investments, retirement accounts, social security, life insurance proceeds, and business ownership. Proper planning can help eliminate or reduce federal estate taxes, reduce time and cost of transferring assets, identify who will administer your estate, evaluate trusts to provide for survivors, and keep your financial affairs private.

    4. Investment Portfolio Plan:

      The object of investment planning is to help build and/or protect your assets, investments, and retirement accounts. Investment planning is critical to your overall financial plan because your investment strategy helps determine how, when, and even if you will be able to achieve your goals. A customized investment strategy will include your personal tolerance for risk, time frame for needing to take distributions, and your tax bracket.

      If you are still working, your investment plan most likely will be focused on maximizing your contributions and growing your account values.

      If you are retired, your investment plan most likely will be focused on protecting your wealth and implementing strategies to create a systematic way to pay yourself a monthly paycheck and preserve purchasing power against inflation.
     
    Sue Derene
    Telephone: (678) 990-0011, x324
    Direct: (678) 990-0024
    E-mail:
    sderene@npwealth.com


    *Five Star award recipients were nominated by either their broker/dealer or peers or were prequalified. They satisfied objective eligibility and evaluation criteria associated with providing quality services to clients. The criteria includes active credentialed financial professional for a minimum of five years, favorable regulatory and complaint history, fulfillment of firm's internal review, accepting new clients, client retention rates, client assets administered, number of client households, education, and professional designations. No fee is paid to be included in the research or on the final list. The award is not indicative of the wealth managers' future performance. No more than 7 percent of the wealth managers in a market receive the Five Star award. For more information, please visit www.fivestarprofessional.com.



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