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Professional Profile for Rick Willoughby

Rick Willoughby

Phoenix, AZ, 85044

Telephone: [480] 704-7431

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My Business Philosophy

Symphony Financial Services helping you write your financial symphony… We are 100% independent and bring a broad spectrum of financial solutions to the table. We have the experience to know how and when to use each of these financial tools. We are a client centered firm with no sales quotas or product goals, the client is always at the center of our attention.

My Education (Rick Willoughby)

My degrees or years of college are:

• College of Financial Planning AAMS

• College of Financial Planning AWMA

Financial Services

I have the following years of financial services experience:

• 24

I currently hold the following active securities licenses:

• Series 7 - Sell any type of security, mutual fund, or variable annuity

• Series 6 - Sales limited to mutual funds, variable annuities, variable life

• Series 24 - Supervisor for Series 6s and 7s

• Series 63 - Sell securities across state lines

• Series 65 - Act as an investment advisor for fees

• Series 22 Limited partnerships and Direct Participation Programs

My CRD or IARD number is:

• 1238458

My financial registration and fiduciary status is:

• I am not a Registered Investment Advisor

• I am an Investment Advisor Representative

• I acknowledge I am a fiduciary when I provide financial advice or services

You can view my compliance record for financial services and products by going to www.finra.org and entering my CRD or IARD number. If no record appears, go to my state's securities commissioner website and enter the same number:

• http://www.finra.org/Investors/ToolsCalculators/BrokerCheck/index.htm

I provide the following planning services:

• Financial Planning

• Retirement Planning

• College Planning

• Charitable Planning

• Tax Planning

• Investment Strategy

• Current Plan Reviews

• Debt reduction planning

I provide the following types of non-discretionary investment advice and services:

• Investment Strategy & Policy

• Asset Allocation

• Money Manager Selection

• Active

• Passive

• Risk Management

• Performance Measurement

• Tax Efficient Strategies

• Current Portfolio Reviews

I provide the following investment products:

• Mutual funds

• Exchange Traded Funds

• Securities

• Equity Real Estate

• Mortgages

• Limited Partnerships

• Oil and Gas Partnerships, 1031 Exchange replacement properties, Equipment leasing and others

My primary professional association memberships include:

• FINRA

• TICA

• NAR

Insurance Services & Products

I have the following years of insurance experience:

• 10+

I hold the following insurance industry certifications or designations:

• None

I hold the following active insurance licenses:

• Life

• Annuity

• Long-Term Care

• Disability

• Health

• Property & Casualty

• Variable Contracts

My insurance license number for my home state is:

• AZ/85862

You can view my compliance record for insurance advice, services and products by going to the National Association of Insurance Commissioners and clicking on my state:

• http://www.naic.org/state_web_map.htm

I market the following types of insurance products:

• Life Insurance

• Annuities

• Long-term care

• Disability income

• Health

• Executive

Business Practices (All Professionals)

My methods of compensation are:

• Asset-based fee (Percent of assets)

• Fixed fee

• Commission (Investment products)

• Commission (Insurance products)

I provide services to remote clients over the telephone and Internet

I provide the following types of information services:

• Online consumer education

• Monthly reports

• Quarterly reports

• Annual reports

• Market Letters

• Newsletters

• Monthly Workshops

I generally respond to client calls or emails:

• The same business day (If call or email is received in the AM)

Certification:

I certify all of the information in this professional profile is complete, accurate, and up-to-date.

Professional: Rick Willoughby

Most Recent Update: August 31, 2009

FindFinancialAdvisors.com is a companion service of PaladinRegistry.com. Like Paladin Registry, FindFinancialAdvisors connects investors to financial advisors, financial planners, Stock Brokers, and Insurance Agents.

Financial professionals in our directory provide the following types of services: financial planning, retirement planning, college planning, investment advice, financial services, mutual funds and securities. They also provide life insurance, annuities, tax planning, and tax preparation.