About My Practice
“Consider what a CFO does for a large company. I do that for clients that want personalized service and advice.” - Bob Higgins
There are two types of financial advisors; analysts and salespeople. How do you tell the difference? Bob has documented the important ideas that distinguish his practice in a whitepaper, "Investment Philosophy and Guiding Principles," which is available on his website, www.daltonfs.com.
The paper was selected, in 2010, for presentation at the Academy of Financial Services in Denver, CO. The Academy encourages basic and applied research, development of curricula, and interaction between financial professionals and academicians.
Bob writes on any financial topics and has been quoted in Morningstar Advisor, The Charlotte Observer, on CNBC and other trade journals and periodicals.
For a list of states in which Bob is licensed to do business, please visit daltonfs.com.
Providing personal financial planning and investment management advice since 1994. CFP® (CERTIFIED FINANCIAL PLANNERTM) designation received in 2002.
Bob holds a B.A. in Economics from The University of North Carolina at Chapel Hill, in 1978, and an MBA - Finance at Wake Forest University in 1980. His credentials include CFP® (CERTIFIED FINANCIAL PLANNER. CLU (Chartered Life Underwriter), ChFC® (Chartered Financial Consultant), and CMA (Certified Management Consultant).
Bob began his career as a corporate financial analyst in 1980, and held various financial positions at GTE, Compaq, Dow Chemical and Sandoz Corporation.
In 1994, Bob began his financial services career. Today, Bob operates his fee-based practice, Dalton Financial Services, as a consultant to his clients based on the model of the personal CFO. He provides personal financial planning and investment management services, as well as financial consulting. Bob also serves on the Board of Directors for the Financial Planning Association of Charlotte. The analytical skills, coupled with his economics and management accounting background, distinguish him in his field.
Registrations, Licenses, Certifications & Affiliations
Securities Registrations or Exam Qualifications
Series 7, 6, 63, 65
Life insurance: NC, SC, Health/disability insurance: NC, SC, Fixed annuities: NC, SC, Variable annuities: NC, SC
Designations & Certifications
- CERTIFIED FINANCIAL PLANNER™ (CFP®)
- Chartered Financial Consultant (ChFC®)
- Other - MBA, Certified Management Accountant, CLU
Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC
Considerations: Fee-based practice.
I will provide a free initial consultation to prospective clients so we may determine if their needs and my practice are well-matched.