Gil Armour, M.S., CFP

Financial Advisor

Phone: (858) 558-2090 x1
Fax: (858) 558-2021
E-mail: garmour@sagepointadvisor.com

About My Practice 

I work with individuals who are concerned about college funding for their children, building assets for their retirement, and striving to make those assets last throughout their senior years. Helping small business owners and self-employed individuals establish tax-favored retirement savings plans is another focus of my attention.

I believe that a truly responsible approach to investing necessitates a "road map", or overall financial plan. Depending on the situation, this may involve such areas as cash flow analysis, risk management, tax minimization, investment diversification, retirement benefits, and estate planning. My clients` incomes range from modest to wealthy.

Experience and Recognition

Comprehensive Financial Planning Provided since 1994.

December 2011 -  Heart of Financial Planning Award from the San Diego chapter of the Financial Planning Association (FPA).  The award recognizes individual professionals, financial planning firms, FPA chapters, or organizations who engage in extraordinary work, contributing and giving back to the financial planning community and public through financial planning. Recipients embody the spirit of financial planning and also represent FPA's Core Values: Competence, Integrity, Relationships and Stewardship.  

Services Provided

Comprehensive Financial Planning
Investment & Asset Management
Tax Preparation & Tax Planning
Insurance
Charitable Giving
Elder & Long Term Care Planning
Education Funding
Estate Planning
Retirement Planning
Employment Benefits & Retirement Plans for Businesses
Concerns of Closely - Held Business Owners

Securities Registrations: 

General Securities Representative & General Securities Principal
Mutual Funds, Stocks, Bonds available through SagePoint Financial, Inc.

Insurance Licenses: 

Life Insurance
Health Insurance
Disability Insurance
Long Term Care Insurance
Fixed Annuities
Variable Annuities

Designations:

Certified Financial Planner (CFP) since 1997 

College Education:

1972  Bachelor`s degree in Mechanical Engineering, Rice University
1973  Master`s degree in Mechanical Engineering, Rice University

Continuing Education:

I am required to earn at least 50 hours of continuing education each year to maintain my financial registrations and designations. 

Compensation:

Depending on the services sought, the client typically has a choice of working with me in one of three ways:

Commission (sales charge on purchase of stocks, bonds, mutual funds)
Fee based on percentage of assets managed
Hourly fee based on time required for consulting

Other Information:

My clients` interests come first. I will recommend investments based on what is in my clients` best interest ... not based on which would generate more earnings for me.

When appropriate, I may refer my clients to other professionals for services they are better able to provide than I am. I do not receive referral fees or other compensation from these individuals.

I will provide prospective clients with references upon request.

I will provide a free initial consultation to prospective clients so we may jointly determine if their needs and my practice are well-matched.