In order to provide you background information regarding Albrecht Financial Services, P.A., we have outlined pertinent questions and answers in this brochure.

We offer retirement planning, investments, pensions, taxes, and general financial matters. Also, ongoing consultation services for clients who need frequent guidance.

Individuals and businesses.

Anyone who has a financial, investment, or tax problem, or who wishes to plan prudently for his or her financial future. Furthermore, persons who desire a higher, more sophisticated level of financial planning services may find our programs appealing.

How much money do you need to start a financial program?

There is no minimum or maximum dollar requirement. We recognize that persons with little or no assets have financial problems, too. Accordingly, we offer a low cost financial review for clients who do not need comprehensive financial planning.

An in-depth review of your financial situation, taking into account your goals and objectives and focusing on investment planning, asset management, estate planning, risk management, educational planning, tax planning, and retirement planning. The plan analyzes and recommends ways that you can pursue your financial objectives.

Our current rate is quoted by the hour for financial planning consultation. In most cases, however, we will quote a flat fee for our services when producing a financial plan.

A program whereby we monitor a client's investments, keep track of current market value, and suggest periodic changes. We meet with our clients and review accounts for necessary changes in investments and for ongoing financial planning. This is part of our ongoing services.

Yes. The Internal Revenue Code permits an itemized deduction for investment advice.

No. Albrecht Financial Services, P.A., offers financial plans on a fee-paid basis. Certain financial products and services, however, can be purchased from individual representatives of Albrecht Financial Services, P.A. Through this company, we can implement any portion of the plan you approve. Albrecht Financial Services, P.A., specializes in the sale of investment products, such as mutual funds, bonds, stocks, and limited partnerships. Individual and company prototypes, as well as specially designed retirement plans, are also available. Our compensation for these services comes through commissions and fees.

Absolutely not. Should you, however, decide to purchase a financial service product through Albrecht Financial Services, P.A., you have the right to full disclosure of any commissions.

No. Although a complete program is most likely beneficial, we can limit our services to your specific needs and develop a modular plan based on your goals and objectives.

No. We believe taxes are one of the central themes in any financial, investment, or retirement plan. Consequently, from a financial planning standpoint, we will always provide recommendations to our clients. We feel that actual accounting and tax preparation is best left to specialists in those fields.

No. Albrecht Financial Services, P.A., limits itself to financial and planning services.

Bonds (government, corporate, municipal, etc.), stocks, mutual funds, limited partnerships, bank deposits, variable and fixed annuities, among others.

We do not use technical analysis or charting. We do use a fundamental approach, such as economic conditions, earnings, industry outlook, politics (as it relates to the investment), historical data, price-earnings ratios, dividends, general level of interest rates, company management, and tax benefits.

Yes. It is the law.  In the course of servicing your account, however, we may share information about our customers with other unaffiliated service providers, such as our broker-dealer, insurance companies, mutual fund companies, banks, or investment firms, to provide account maintenance or customer service to your account.

Once a program is completed, does our relationship end?

Absolutely not. Financial planning is an ongoing process and not a one-shot deal. We offer continuing services, periodic review, and day-to-day consultation, as necessary.

Contact us at the above phone number, tell us your problem, and find out if we can be of assistance to you.

Ronald L. Albrecht, president of Albrecht Financial Services, P.A., earned a Bachelor of Science in Agriculture from the University of Vermont in 1957. A Bachelor of Business Management was conferred in 1966, from Baylor University. In 1975, he earned a Master of Arts in Business Management from Central Michigan University. In addition to acting as president of Maine Financial Management Services, Inc., he holds a Certified Financial Planner™ designation from the College for Financial Planning, Denver, Colorado.

Ronald is an NASD-registered representative, licensed through Commonwealth Financial Network, Inc., in Waltham, Massachusetts. He has had over eight years experience in banking, specializing in retirement and investment planning. Ronald is licensed as a life and health agent, as well as an agent for variable life insurance products. With associates, he assists clients with their estate planning and charitable giving needs.

Ronald also has had real estate sales experience in the states of Maryland and Maine, and presently, he holds a real estate broker's license with the state of Maine.

Organizational offices and positions include the former president of the Bangor, Maine Kiwanis Club; from 1988 to 1989, he was the president of the Maine Chapter of the International Association for Financial Planning (IAFP); the Institute of Certified Financial Planners (ICFP); and executive and division member of the United Way of Penobscot Valley, Maine. Mr. Albrecht has the distinction of being included in the Who's Who in the East, America, World, and Finance & Industry, from 1980 to the present. He had an Air Force career spanning twenty-three years, leaving as a Lt. Colonel.