LaBarge Financial | Jason LaBarge | Financial Advisor Specializing in Retirement Planning | Servicing Severna Park, Pasadena, Annapolis, Glen Burnie, Odenton, Crofton, Gabrills, Severn, Bowie, MD  Personalized Retirement Plan | Maximize Social Security Benefits | Managed Portfolios | Holistic Retirement Planning  Schedule a Free Consultation Today!

Frequently Asked Questions

ABOUT JASON LABARGE & LABARGE FINANCIAL

Have a question we didn't answer below? Contact us at (443) 647-4321 we'd be happy to help!

WHAT DOES THE NSSA CERTIFICATION MEAN?


The NSSA® is a the only ACCREDITED Social Security Certificate program in the nation. It's the nationally recognized standard for competent and ethical Social Security planning, education and training. I earned this certification in April 2018, because I've seen the difference effective Social Security planning can make when planning for your retirement, and I wanted to ensure we are maximizing your benefit to it's fullest potential.




WHAT SERVICES DO YOU AND YOUR FIRM PROVIDE?


I am a retirement specialist who will look at your personal life circumstances before creating a path to help you pursue your retirement goals. I look at the full picture to see how we can maximize your Social Security, pension, and savings. I will bring in other professionals, as appropriate, to ensure that all of your needs are met.




WHAT TYPES OF CLIENTS DO YOU SPECIALIZE IN?


While I work with all ages, I specialize in working with those individuals who are approaching or are already in retirement. Most of my clients are within 5-10 years of retiring or have already retired when we started working together, although I also work with people who receive a windfall due to selling a home or business, or an inheritance and want to save those funds for retirement.




WHAT IS YOUR INVESTMENT APPROACH?


I use a framework that I refer to as Red Money and Green Money. After we gather good financial data to make sure our plans will cover your needs, we'll allocate enough into Green Money to guarantee those needs are met. I like to refer to these are your PAYchecks. Red Money are investments that carry some risk and are tied to the market, but have the potential to grow. This covers the "extras" in your budget, and I like to call these your PLAYchecks.




WHAT ARE YOU LICENSES AND CERTIFICATIONS?


I received my Bachelor’s in Accounting and Health Administration from the University of South Dakota. I have my FINRA Series 6, 63, 65, and 7 registrations, along with state insurance licenses. I've been in the financial services industry for over 10 years with experience that included time at Allianz Life as Vice President of Sales teaching financial advisors nationwide about that company’s investments and at a brokerage firm helping financial advisors with a full array of financial products and services.




HOW DO YOU CHARGE FOR YOUR SERVICES AND HOW MUCH?


I’m paid in a variety of ways, and the determining factor is based on the type investment you choose to make. We will discuss this in more detail and you will be entirely clear when we meet and review your choices.




WILL I BE WORKING ONLY WITH YOU OR WITH A TEAM?


At Premier Planning Group, we believe in the team approach. I am your quarterback and all your meetings will be with me, but we also have a wonderful support staff who keeps everything running efficiently.




HOW MUCH CONTACT DO YOU HAVE WITH YOUR CLIENTS?


I pride myself on making sure your questions are answered and your needs are met whenever they come up. I typically meet with my clients on a quarterly basis to review their accounts, unless their personal circumstances or desires require more or less meetings. We also hold regular client events throughout the year.




WHAT MAKES YOUR CLIENT EXPERIENCE DIFFERENT?


We are a boutique retirement planning firm and enjoy treating our clients with five star service. This extends into client appreciation events throughout the year, including our annual Summer Picnic and our themed Christmas Parties.




WHAT IS YOUR SUCCESSION PLAN?


I'm only in my 30s with three young children and have absolutely no plans of retiring anytime soon. My wife and I LOVE our adopted home of Severna Park and consider ourselves Marylanders, even though we're originally from South Dakota. If a tragedy should occur and something happens to me, there are four other financial representatives in my office who you could interview or you could connect with my broker dealer, Cetera Advisor Networks LLC. However, I am committed to being here for the long haul and am committed to my clients.




ARE YOU A FIDUCIARY?


I carry my series 65 registration, which requires the fiduciary legal standard. It’s a bit more complicated than this, but the short answer is yes, I am considered a fiduciary.