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Frequently Asked Questions

We often receive many of the same questions from our investment management, estate planning, tax and risk management clients. By browsing the Q&A below, you might find the answers to questions you may already have.

Q: Is Quality Financial Concepts accepting new clients?

A: Yes. Our goal is to provide value-added services and assist our clients in achieving their financial objectives.

Q: Who can benefit most from your services?

A: Anyone seeking ongoing professional advice and assistance regarding their personal or small-business financial planning.

Q: What services do you offer?

A: Quality Financial Concepts offers a comprehensive range of financial services and products, including insurance, investments, retirement planning, estate planning, and tax planning and preparation. However, we only offer solutions once we have determined the goals and needs of our clients through interviews, evaluations and analysis.

Q: What is a financial plan?

A: An in-depth review of your specific financial situation that takes into account your goals and objectives and focuses on retirement, investment management, risk management, income tax planning, educational planning and estate planning. The plan analyzes and recommends methods you can use to achieve your financial objectives. 

Our approach breaks the overall financial plan into two sections – retirement planning and estate planning. Retirement planning covers the two major segments of adult life – ages 21 to retirement (when assets are accumulated) and then the actual retirement period (when those accumulated assets are managed to provide income). Estate planning covers the latter segment and focuses on the efficient and economical transfer of assets to heirs and other benefactors.

Q: What is a successful retirement plan?

A: A successful retirement plan reflects the specific goals of the client and provides solutions that withstand life events – even those that are unexpected. Our plans provide guidance for setting aside savings for the future while meeting those current needs that often compete for retirement dollars, such as kids’ college expenses, larger homes, higher taxes, prolonged illnesses and even a premature death. 

During the management years, potential loss of income or new cash needs also must be evaluated and solutions appropriately considered for a successful retirement plan. We evaluate the probability that the assets being accumulated will last through retirement under various economic and financial conditions. 

Q: What is a Registered Investment Advisor?

A: A person who has the fiduciary duty of undivided loyalty to his investment advisory clients and must deal with them fairly and honestly. Any person or entity that holds itself out as a financial planner must be registered with the state or the SEC as a Registered Investment Advisor.

Q: For what types of securities does Quality Financial Concepts provide advice?

A: We provide advice on variable life insurance, mutual funds, variable annuities, stocks and other equities, corporate bonds, commercial paper, bank deposits, municipal securities, real estate investments and limited partnerships.

Q: Is client information kept confidential?

A: Yes. The law requires it. Please review our Privacy Policy for additional details.

Q: Does Quality Financial Concepts provide tax planning and preparation services?

A: Yes. We extend our tax planning and preparation services to clients who use any of our other services. Our clients have found it beneficial to have our firm prepare their annual taxes since we are already familiar with their investments, insurance plans and estate plans. This allows all four of these areas to work together rather than independent of, or in conflict with, one another.

Q: Does Quality Financial Concepts provide legal advice?

A: No. We do, however, refer our clients to qualified attorneys in the Blount County and Knox County areas for the services they need and, if appropriate, work closely with the client and the attorney when it comes to any potential impact on the client’s financial assets, goals and objectives.

Q: What is QFC’s Business Continuity Plan?

A: In the event that unforeseen or unusual circumstances (severe weather, utility outages, etc.) were to disrupt our operations, we have prepared a detailed business continuity plan for the benefit of both our clients and our associates. A few elements of this plan could directly impact our clients in need of immediate financial services – Maryville and beyond – so below, we’ve answered a few questions you may have about our continuity plan:

Q: How can I access my funds in the event of a business disruption?

A: We do not hold customer funds or securities at our Maryville office. They are held by our brokerage firm, TD Ameritrade; our broker/dealer, Crown Capital Securities, L.P.; or directly with the various mutual fund companies (AIM, American Funds, etc.) with whom our clients have holdings. In the event of an internal or external disruption, clients may access their accounts by calling TD Ameritrade at 800-967-6226 or Crown Capital Securities, L.P. at 800-803-8886. If our telephone service is unavailable, we will post an announcement on our website noting that customers can access their funds by calling the numbers above.

Q: In the event of a disruption, how will QFC continue to do business?

A: If telephone lines are available, QFC’s phones will be forwarded to our broker/dealer, Crown Capital Securities, L.P. Vital customer information will be available to the appropriate Crown Capital Securities representative via secure, web-based programs accessible from their locations. Through their systems, we will be able to continue to receive, enter and execute orders.

Q: How does QFC back up its data?

A: A variety of methods are used to secure and protect QFC's data. It is backed up through a secure connection to the cloud and stored in encrypted files. Additionally, multiple levels of back-ups are made daily. In the event of an internal or external disturbance, these back-ups will allow us to restore our client files completely.

Q: How will QFC keep in touch with me in the event of a disruption?

A: We will continue to use every option available to us to maintain communication with our financial services clients – telephone, fax, e-mail and U.S. mail. In addition, you may reach us through this website:

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Check the background of this financial professional on FINRA's BrokerCheck