Our Qualifications

CHRISTOPHER C. FESS

Stock Broker - Series 7, 6, 63

General Securities Principal - Series 24 

Investment Advisor Representative -Series 65

ChFC -      Chartered Financial Consultant

CASL -     Chartered Advisor for Senior Living

CLU -        Chartered Life Underwriter

B.B.A.-      Baylor University

CASL - Chartered Advisor for Senior Living - The American College

The CASL is the first professional designation from a fully accredited, nonprofit educational institution to focus exclusively on the unique needs of mature clients. Developed with input from a panel of industry experts, the designation equips advisors with comprehensive knowledge on the full range of financial, health, psychological and sociological issues confronting older clients. The CASL helps Chris explore key concepts and applications in a variety of planning areas, such as:

 

· Biological and Aging perspectives

· Life-course transitions

· Pre-65 medical coverage from employer’s plans

· Pre-65 medical coverage with individual policies

· Medicare, including Medicare+Choice and

  prescription drug coverage

· Medicare supplement (Medigap) policies

· Medicaid programs to meet long-term care needs

· Underwriting and designing long-term insurance

· Social Security and it’s taxation

· Sources of tax advantaged retirement income

· Determining retirement income needs and under

  standing inflation

· Investing--understanding risk and return

· Managing portfolios during retirement

· Planning for pension distributions with their tax

  treatments and survivor benefit options

· Elderly housing issues

· Health insurance planning for the retiree

· Estate planning issues: including trusts, trustees,

  transfers at death, federal estate taxation, and estate administration

  

CLU - Chartered Life Underwriter - The American College

The CLU is widely recognized as the highest level of studies in the life insurance and long-term care profession. The knowledge enables the presentation of a wider range of solutions for the insurance needs of individuals, business owners and professionals. This includes income replacement, estate planning, and wealth transfer. In addition to increasing his

clients’ financial well being, The CLU allows Chris

to explore key concepts and strategies in a variety

of planning areas, such as:

 

· Life, disability, auto, home, and long-term care

· Needs analysis, surrender options, illustrations;

  and settlement options

· Net and gross premiums/reserves

· Surrender values, surplus, and dividends

· Planning issues for business owners

· Formation of the insurance contract, waiver, estopel, and election

· Premiums, policy provisions, and transfers

· Transfers of property at death & administration

· Lifetime transfers, estate, and gift taxation

· Business buy-sell agreements and valuation

· Computation of estate and income tax issues

 

 

 

Knowel McGraw         

Knowel McGraw started in the Investment Industry 1990 helping Families manage their financial assets for retirement. In addition he was worked with some of the nation’s largest investment management companies.

Knowel gained a unique perspective by working with Families and their private money then later working inside some of the nation’s largest investment firms where the investments are “created” and “marketed’’. He has truly seen both sides of the investment management world while working with virtually every major brokerage house and their “advisors” in his capacity as a Regional Vice President.

This experience provides insights that very few can offer on how “Wall Street really Works” for and sometimes against the individual investor.

Knowel began working with Chris several years ago on large and complicated Estates and Families with special considerations. During this time Knowel realized what an extraordinarily dedicated Investment Professional Chris was in always placing his client’s needs first and foremost.

Knowel has worked with literally thousands of “advisors” over the years in many different areas of the country and never saw one as Professional, Caring and Competent as Chris Fess. When the opportunity presented itself to partner with the Advisor Knowel most respected he was honored to join.

Knowel McGraw & Chris Fess putting Clients and Integrity First

Knowel originally from Chicago has lived in Plano since 1998 with his wife Zohreh and son Zack.