about us

UNIQUE VISION
UNCOMMON PERSPECTIVE

Mike Karpel graduated from the Bernard Baruch School of Business of the New York City University in 1966. He graduated with the highest honors in accountancy, and 4th in his graduating class. Since graduation through the time he moved to Florida he worked for a major CPA firm handling substantial SEC engagements as well as high net worth family businesses and their owners. In 1974 Mike became a CPA passing the exam in his first sitting. In 1976 he relocated to Florida where he started his own accounting practice. Mike has been providing clients every aspect of financial advice for all those years, and helped many clients amass substantial fortunes. In 1996 a very successful client located in Los Angeles offered Mike a partnership interest and the CFO position for the company. A few years later Mike sold his interest in the company and returned to the financial advisory world obtaining a life insurance license and a securities license, then becoming an Investment Advisor Representative with USA Financial Securities. Mike brings to his clients a depth of knowledge and perspective seldom found in other planners and advisors. Mike is a member of the American Institute of CPA’s Personal Financial Planning Section and has earned the designation of PFS (Personal Financial Specialist). Only a small percentage of CPA’s have earned this designation which requires extensive testing and education. He has also received substantial training with Ed Slott, CPA and nationally recognized authority in IRA’s, 401k’s and the issues that make these potential tax disasters. Mike is a HERO Solutions™ Advisor. Mike has been married for over 41 years, has three married children, and five grandchildren, so far! Mike enjoys travel, food, politics and leisure.

More than Financial "Planners", we consider ourselves to be "Wealth Strategists". We consider every client to have different needs, goals and risk tolerances; therefore we never use a "cookie-cutter" approach. Rather, we craft a plan specific to the needs of each client. Without setting of goals, how would you know if you are on track? Before embarking on a trip you plan your route. Mike is like the GPS devise that will keep you on track. As an investment advisor representative Mike can handle a vast array of investment alternatives. We are into wealth building and preservation, with emphasis on preservation. Will Rodgers once said: "I am more concerned with the return OF my money than the return ON my money". That principle is of foremost importance as we develop strategies for our clients. With Mike's background as a CPA practitioner for over 30 years, we emphasize tax advantaged investments and strategies. Some of the most successful athletes, even CEO’s, have personal coaches to help them stay at the top of their game; Mike likes to consider himself the financial coach of his clients.

OUR FIRM

We like to act as the financial team's quarterback, coordinating strategies with the other usually scattered team members such as the CPA, attorney, real estate professional, mortgage professional, banker, etc. We remain independent of any one company to bring our clients "best" solutions, not products we MUST sell to keep our jobs. If some of the financial decisions you have made have been made based on things you believed to be true beyond doubt, and someone could show you that these beliefs were wrong, when would you like to know? Hopefully, as quickly as possible! Call us or you might never learn if there is an error in your ways! We will usually be unable to offer specific advise without a thorough consultation that will include the review of various documents instrumental for a proper evaluation. And remember, failing to plan, is a plan, a plan to fail!