Alexander Koury, CFP®CRD Number: 5607498
Current Firm: Householder Group Estate & Retirement Specialists
Compensation Model: Fee Only
Alex Koury is a CERTIFIED FINANCIAL PLANNER™ and investment manager for Householder Group Estate and Retirement Specialists, LLC in Scottsdale, Arizona. In addition to being a CFP®, he holds the following securities registrations: Series 7, 9 & 10 – General Securities and Series 66 – through LPL Financial. Alex is also licensed through the state of Arizona for life, accident/health, disability, fixed and variable annuities and property and casualty insurance.
As Vice President of Investment Planning for Householder Group Estate & Retirement Specialists, LLC, Alex provides financial services for Scottsdale and the Phoenix Metropolitan area. He is also a Registered Representative with LPL Financial, the largest independent broker dealer in the nation, (as reported by Financial Planning Magazine, June 1996-2014, based on total revenue).
Householder Group Estate and Retirement Specialists, LLC, a Registered Investment Advisory company, is an independent full-service financial consulting firm dedicated to helping their clients build and preserve their wealth and hard earned assets. The firm’s independence enables Alex to establish working relationships with a number of industry leading financial service firms and insurance providers. Alex leverages their products to create customized portfolios; however, he only recommends those products and services that are specifically tailored to suit his clients’ unique needs and circumstances. He prides himself on representing his clients, not the products.
Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.
The LPL Financial registered representatives associated with this page may only discuss and/or transact business with residents of the following states: AZ, CA, CO, GA
Alexander Koury (CRD# 5607498) is an Investment Advisor Representative working at Householder Group Estate & Retirement Specialists in Scottsdale, AZ and has over 8 years of experience in the finance industry. Alexander Koury has taken additional exams to become a Certified Financial Planner (CFP®). CFP professionals must pass the comprehensive CFP Certification Examination,pass CFP Board's Fitness Standards for Candidates and Registrants, agree to abide by CFP Board's Code of Ethics and Professional Responsibility and Rules of Conduct which putclients' interests first and comply with the Financial Planning Practice Standards.
- Tax planning
- Estate planning
- Debt management
- Social security and retirement income
- Alternative investments (e.g., hedge funds, private equity)
- Asset allocation (advice only, not execution)
- Indexing / passive investing
- Investment management
- Buying a home
- Career change
- College preparation
- Getting married
- Having a child
- Job loss
- Retirement planning
- Sudden wealth
- Approaching retirement
- Mid-career professionals
- Young professionals
- Match investment vehicles with goals and needs
- Evaluate specific investments
- Consider and explain tax consequences
- Analyze risk/return trade-off
- Match investment risk with time lines
Finanical planning fees are discussed and agreed upon prior to entering into any engagement with the financial planner. Below is a guideline for comprehensive financial planning services and hourly services.
- Comprehensive Financial Plan
- Works best for someone that is looking for a complete picture of their financial situation
- Comprehensive plans include, but are not limited to:
- Cash Flow Analysis
- Retirement Planning
- Tax Planning
- Estate Planning
- Insurance Planning
- Investment Planning
- Comprehensive Plans include delivery of the plan with recommendations, implementation, and monitoring
- Hourly Consulting
- Works best for someone that has a specific financial planning need(s) they want addressed with a financial planner
- More focused approach that may not include all areas of financial planning, and hourly estimates are disclosed prior to engagement
- Hourly consulting fees include delivery of the plan and recommendations.
To develop a solid financial plan, it's important to cover all your bases. Here’s how:
- Examine your current situation
- Set financial goals
- Measure your progress
From start to finish, a CFP® professional is required take you through the financial planning process to help you achieve your financial goals.
SIX STEPS TO HELP YOU CREATE A FINANCIAL PLAN
- ESTABLISH A RELATIONSHIP WITH A CFP®PROFESSIONAL. Your financial planner is required to explain his or her financial planning services and define each of your responsibilities. Along with compensation, you'll discuss how long the professional relationship can last and how to make decisions.
- GATHER YOUR DATA AND DEVELOP YOUR FINANCIAL GOALS. You should gather any necessary documents and talk to your planner about your current financial situation. Together, you can define your personal and financial goals, including timeframes. You may also want to discuss your comfort level when it comes to taking financial risks.
- ANALYZE AND EVALUATE YOUR FINANCIAL STATUS. Your CFP® professional will consider all aspects of your situation to determine what you need to do to meet your goals. Depending on what services you've asked for, your planner may analyze your assets, liabilities and cash flow, current insurance coverage, investments or tax strategies.
- REVIEW YOUR CFP® PROFESSIONAL’S RECOMMENDATIONS. Your CFP® professional will go over his or her financial recommendations, explaining the rationale so you can make informed decisions. At this stage, share any concerns with your planner so any recommendations can be revised if necessary.
- SET YOUR COURSE. You and your CFP®professional need to agree on how the recommendations will be carried out. Your planner may carry out the recommendations or serve as your coach, coordinating the process with you and other professionals, like attorneys or stockbrokers.
- BENCHMARK YOUR PROGRESS AGAINST THE FINANCIAL GOALS YOU ESTABLISHED. As you work toward your goals, you and your CFP®professional need to decide who monitors your progress so you stay on track. If the planner is in charge, he or she will check in from time to time, reviewing your situation and making any necessary adjustments to his or her recommendations.
|Lpl Financial, LLC||Scottsdale, AZ||Aug 2014 - Current||2|
|Householder Group Estate & Retirement Specialists||Phoenix, AZ||Aug 2014 - Current||2|
|Iphone App Development||Phoenix, AZ||Oct 2010 - Current||6|
|Schwab Private Client Investment Advisory, Inc.||Phoenix, AZ||Jan 2012 - Jul 2014||2|
|Charles Schwab & Co, Inc.||Phoenix, AZ||Oct 2008 - Jul 2014||5|
|Life Success Companies||Scottsdale, AZ||Nov 2008 - Jan 2009||< 1|
|Unemployed||Phoenix, AZ||Jul 2008 - Oct 2008||< 1|
|Us Airways||Phoenix, AZ||May 2008 - Jul 2008||< 1|
|Unemployed||Phoenix, AZ||Apr 2008 - May 2008||< 1|
|Ajilon Finance||Phoenix, AZ||Feb 2008 - Apr 2008||< 1|
|Vestar||Phoenix, AZ||Aug 2006 - Jan 2008||1|
|Raytheon Missiles Company||Tucson, AZ||Apr 2004 - Aug 2006||2|
|Bachelor of Science||Regis University - Denver, CO||Finance & Economics||May 2003|
|Exam Code||Name||Passed Date|
|S7||General Securities Representative Examination (GS)||Dec 2008|
|S63||Uniform Securities State Law Examination||Dec 2008|
|S9 and 10||General Securities Sales Supervisor Examination||Jun 2010|
|S66||NASAA Uniform Combined State Law Examination||Aug 2011|
Total Assets Under Management478MILLIONS
Total Number of Accounts2,316ACCOUNTS
Average Account Value$206,434
AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV
Householder Group Estate and Retirement Specialists LLC. advisors are Registered Representatives with and securities offered through LPL Financial, Member FINRA, SIPC.
Investment advice offered through Householder Group Estate and Retirement Specialists LLC., a Registered Investment Advisor and separate entity from LPL Financial.
The designation Certified Estate Planner is issued by the AACEP.
To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account with LPL Financial, we ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. We may share information obtained from you with third parties to verify your identity, in compliance with this federal law.
Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP in the U.S., which it awards to individuals who successfully complete CFP Boards initial and ongoing certification requirements.
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