Les H Kern

Les H. Kern IAR CRFA LUTCF

2306 Wrightsville Ave.
Unit 201

Wilmington, NC 28403

910-763-5050

We help educate clients about retirement

About Les H. Kern IAR CRFA LUTCF

History teaches us that Holding onto equity assets rotating on a relative strength basis produces the best long term wealth building. The more history you are aware of, the more this becomes critically apparent. We believe that while it is important to choose investments with a strategy. We teach clients that to get the best return, their portfolios cannot go backwards. We recommend investments with well-defined sell strategies that we believe will weather downturns efficiently. The bottom line: We try to avoid loss whenever possible. Les H. Kern is an Investment Advisor, of a wealth management firm of D.H. Hill Advisors that is committed to helping clients get to retirement and to help provide a sound retirement income they cannot outlive. As a true independent advisor our customized programs are designed to protect, conserve and grow our client's wealth by sound income strategies with investments that deliver an unprecedented level of income with services.

General Information

Firm Start Year

1982

No.of Employees

CRD#

1140180

Firm CRD#

116324

Insurance License#

yes

Name of Broker/Dealer

D.H. Hill Advisors, LLLP, Member of FINRA &SIPC

Name of Custodial Firm

Schwab, TD, thru Belpointe Asset Management

States Licensed in

NC , SC, FL , MI, MO,

Years of Experience in Financial Services

Number of Years with Current Firm

Work Experience

different independent schools and classes at the broker dealers I was with

I work with the following types of clients

Non-Profit Organizations, Individual Investors, Businesses

Foreign Languages Serviced

none

Advisory Services Provided

Tax Advice and Services, Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Risk Management, Money Management, Wealth Management, Retirement Planning, Portfolio Management, Insurance Products & Annuities, Estate Planning & Trusts, Investment Advice & Management, Financial Advice & Consulting, 401K Rollovers

Services

Investment Types

Income strategies, Insurance, Mutual Funds, Bonds, Stocks, Annuities, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI)

I can meet clients in the following ways

Via Email, At your home, At my office, Via Phone, At your office, Video Conference

Compliance

Registered Representative

Yes

Investment Advisor Representative

Yes

I am an acknowledged fiduciary

Yes

Compliance Disclosures in Last 5 years

I have a clean record

Criminal Disclosures in Last 5 years

I have a clean record

Qualifications & Membership

Certifications, Accreditations & Designations

LUTCF^®, Life Underwriter Training Council Fellow (LUTCF), CRFA

Securities Licenses

Series 65, Series 63, Series 24, Series 7, Series 6

Insurance and Annuity Licenses

Accident, Long Term Care, Disability, Property, Casualty, Variable Life, Annuity, Health, Life, Variable Annuity

Financial Organization Memberships

A.D.I.S.A.

Non-Financial Organization Memberships

ADISA currently has more than 4,500 members from across the country in various alternative investments professions including attorneys, CPAs, broker-dealers, sponsors, lenders, mortgage brokers, qualified intermediaries, real estate agents, registered investment advisors and registered representatives. Association...Advisor Academy thru David Scranton CLU,ChFC,CFP,CFA,MISFS

Firm Information

Firm's Number of Clients

Firm's Number of Planning Clients

Firm's Number of Managed Clients

1000

Assets Managed by Firm

100,000,000

Advisor's Number of Clients

Advisor's Number of Managed Clients

Advisor's Number of Planning Clients

Assets Managed by Advisor

$20,000,000

Compensation and Fees

Fee Structure

Fee-Based

Compensation Methods

Flat Fee

Fee % Based on Assets

.25. to 1%

Additional Details on Charges

No signup fees period minimum for managed accounts varies on what a client needs. Let's talk about what I can or can not do and if I am a fit for you first.

Minimum Fee Charged for Managed Accounts

1/4 of1% managed acc

Education

Wealth Intelligence Academy - Master Trader- Advance Covered Calls

Wealth Intelligence Academy
12/2003 - 1/2004

on going classes - Investment,financial planning, and client service

Advisors Academy
10/12/2013 - 12/18/2013

Classes-no degrees - Wealth Transfer Deferred Sales Trust

none.... passed exam
3/1/2017 - 3/31/2017

Teaching classes - Pro-Bono Teaching to education the Public

none-thru ACEF
5/1/2006 - 5/1/2007

Series 24 - Compliance & Supervision

none.... passed exam
3/1/2010 - 9/1/2010

Monthly Classes - Financial Planning

Sigma Financial Corp
2/15/1989 - 9/13/2006

CRFA - Retirement Planning for Seniors

Classes and. passed exam
6/15/2005 - 6/20/2005

L.U.T.C.F - Insurance

Private classes
1/10/1990 - 3/1/1990

A.D.I.S.A. - on going education

classes
10/2009 - 10/2020

Disclosures

Advisory Services offered through D.H.Hill Advisors, Inc.,A SEC Registered Investment Advisor Securities offered through D.H. Hill Securities,LLLP Member FINRA/SIPC

Disclaimer

Advisory thru D.H. Hill Advisor Inc. A Registered Investment Advisor which is a fee only fiduciary