Advisor at St. Bernard Financial Services, Inc.
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
St. Bernard Financial Services, Inc.
Location
Tucson, AZ
Credentials
Series 66
Industry experience
22 years
Frank Winters is a financial advisor at St. Bernard Financial Services, Inc. in Tucson, AZ, with 22 years of industry experience. He holds a Series 66 designation and has worked at firms including Raymond James Financial Services and Independent Financial Partners. Winters is also president and managing director of Comprehensive Advisors Group LLC, a support entity for Raymond James Financial Services activities. St. Bernard Financial Services serves individuals, families, small businesses, trusts, and estates, offering investment advisory and brokerage services with a focus on long-term, conservative growth through tactical asset allocation. The firm combines fee-based and commission-based solutions and emphasizes collaborative, largely non-discretionary account management.
Based on St. Bernard Financial Services, Inc.
Flat fee negotiable for certain advisory services.
$0 - $50,000: 2.00% annually $50,001 - $100,000: 1.75% annually $100,001 - $250,000: 1.50% annually $250,001 - $500,000: 1.25% annually $501,000 - $5 million: 1.00% annually $5 million+: Negotiable
Commissions received on certain variable insurance products and brokerage transactions; commission amounts vary by product.
$125 per hour for consultations and financial planning.
Fee-only: Hourly rate of $125 per hour for consultations and financial planning; typically 8 to 10 hours for a plan.
Tucson, AZ
Arizona · California
St. Bernard Financial Services, Inc.
2020 - Present (6 years)
IFP Securities, LLC
2019 - 2020 (1 year)
Independent Financial Partners
2018 - 2020 (2 years)
Raymond James Financial
2009 - 2017 (8 years)
Comprehensive Advisors Group
2007 - Present (19 years)
Raymond James Financial Services,Inc.
2007 - 2017 (10 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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Hi there! I’m Scott, and I help young professionals build wealth wisely while still enjoying their life and their lattes. No, you do not need to give up your $7 coffee drink to be able to retire! In my work with clients, I help answer the following questions (and more): • How much do I need to save to be financially independent (ie, retired)? • Do I have the right investments? • How do I prioritize all the financial things I have going on? • What should I select for my 401K investments? • What do I need to do to create a proper Estate Plan? • Am I taking full advantage of my employee benefits? • Is there anything I can do to lower my taxes, now or in the future? • Will my family be okay if something terrible happens to me? • Is my emergency fund adequate? • Is my spending aligned with my goals? You can read more about my services here: https://forthrightfinances.com/wealth-builder/ One last, quick note: Unlike 99% of financial advisory firms, I do not have account minimums, nor do I charge so much that you need to have a 6 figure income to afford my fee. My services are intentionally designed so that anyone, regardless of their assets or income, can get honest, straightforward, and comprehensive financial advice. Even if you're starting with $0.
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