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Ralph A. Capristo CFP®

Forthright Wealth Planning with Centaurus Financial Inc.

5148 Hamilton Blvd

Allentown, PA 18106

610-530-2300

About Forthright Wealth Planning with Centaurus Financial Inc.

Forthright Wealth Planning is a full service financial planning practice. We work hard every day for our clients and always act in their best interest. We have three physical office locations in eastern Pennsylvania. Our offices are located in Allentown, Honesdale and Nanticoke. We have clients in many different states and can service clients in every state.

General Information

Firm Start Year

2005

No.of Employees

5-9

CRD#

5248216

Firm CRD#

5248216

Insurance License#

467819

Name of Broker/Dealer

Centaurus Financial Inc

States Licensed in

PA

Years of Experience in Financial Services

15

Number of Years with Current Firm

2

Work Experience

2019-Present Forthright Wealth Planning Partner, CERTIFIED FINANCIAL PLANNER I provide comprehensive financial planning services to families and business owners to help everyone achieve their financial life goals. The services that my partners and I provide include all elements of the financial planning process: retirement planning, behavioral financial coaching, social security & Medicare planning, retirement income planning, income tax planning, investment planning which includes asset allocation and diversification strategies, business succession planning, estate planning and insurance planning.

2015-2019 Umpqua Bank Senior Vice President, Wholesale Banking I managed a portfolio of commercial & industrial/middle market clients and prospective clients across various industries. Responsibilities include managing an existing portfolio and developing new business relationships. As a Relationship Manager banking C&I companies, I provide financing for owner occupied commercial real estate, working capital, equipment, capital improvements and expansion projects. In addition to providing various forms of debt structures, I assist colleagues in our Capital Markets division with credit syndications, hedging interest rate risk and hedging currency risk. Along with providing access to capital and the capital markets, I offer traditional banking services such as depository accounts, treasury management, corporate credit cards, merchant card processing, institutional trust and custody and corporate trust services.

2011-2015 US Bank Assistant Vice President, Gaming Division I manage a national portfolio of corporate gaming clients, consisting of commercial gaming operators, Native American gaming operators and equipment manufacturers. My portfolio consists of more than $750mm of credit commitments. Responsibilities include managing an existing portfolio and developing new business relationships. As a Relationship Manager banking the gaming industry, I provide financing for expansion projects, capital improvements, acquisitions and working capital. In addition to providing various forms of debt structures, I assist colleagues in our Capital Markets division with pitching credit syndications, hedging interest rate risk and hedging currency risk. Along with providing access to capital and the capital markets, I offer traditional banking services such as depository accounts, treasury management, merchant card processing, institutional trust and custody, corporate trust and cash access services.

2006-2011 M&T Bank Assistant Branch Manager, Registered Representative Responsibilities included managing retail branches including up to 5 employees, overseeing daily operations, increasing the number of individuals and small businesses that banked with our branches, retention and selling a wide range of bank products, investment company products and insurance products. Bank products included consumer demand and time deposit accounts, consumer loans, home equity loans/lines of credit, business deposit accounts and small business loans/lines of credit. Investment company products included mutual funds across a wide range of asset classes. Insurance company products included life insurance, long-term care insurance, disability insurance and annuities. Additionally, I held a FINRA Series6/63 license and a Pennsylvania Life, Accident and Health insurance license.

I work with the following types of clients

Individual Investors, Businesses

Advisory Services Provided

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

Services

Investment Types

Bonds, Mutual Funds, Stocks, Annuities, Insurance, Exchange Traded Funds (ETFs)

I can meet clients in the following ways

Our Offices, Via Phone, 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

CFP®

Securities Licenses

Series 66, Series 7

Insurance and Annuity Licenses

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

Firm Information

Firm's Number of Clients

1000+

Firm's Number of Planning Clients

1000+

Firm's Number of Managed Clients

1000+

Assets Managed by Firm

$220,000,000

Advisor's Number of Clients

135

Advisor's Number of Managed Clients

135

Advisor's Number of Planning Clients

135

Assets Managed by Advisor

$28,000,000.00

Compensation and Fees

Fee Structure

Fee-Based

Compensation Methods

Commissions

Hourly Rate

N/A

Additional Details on Charges

Most of our clients pay an advisory fee based on assets under our management and outside assets we advise on. Our fee varies based on the scope of our financial planning engagement. We choose to be compensated by an advisory fee because we feel minimizes conflicts of interest between us and our clients.

Minimum Fee Charged for Hourly Planning Accounts

N/A

Education

Master of Business Administration - Finance

Misericordia University
2009 - 2010

Business Administration - Finance

The Pennsylvania State University
2001 - 2006

Disclosures

Securities and Advisory Services offered through Centaurus Financial, Inc. A Registered Investment Advisor Member FINRA and SIPC. Forthright Wealth Planning and Centaurus Financial Inc. are not affiliated. Investment products and services available only to residents of: AL, AZ, CA, CO, FL, GA, IN, KT, NE, NJ, NV, NY, NC, PA, SC, TX, VA, WA.