Michael Ladin is Founder and CEO of Ladin Tax and Financial Group, a firm that focuses on assisting Florida Business owners, baby boomers and retirees with sound retirement income strategies that work in a tax efficient way. In addition, Michael holds a Series 65 License which allows him to be registered as a Investment Advisor Representative and Ladin Financial Group as a Registered Investment Advisory firm. He is experienced in asset protection, wealth transfers, estate planning life Insurance & Premium Financing.
Michael hosts Retirement Radio’s “Strategies for Financial Success” on NewsTalk 610 WIOD. He is also the co-author of the best-selling book, “The Ultimate Success Guide,” with Brian Tracy and has been quoted in major publications, such as the Wall Street Journal and USA Today. Michael was recently featured in Newsweek as one of the countries, “Financial Trendsetters.” Since beginning his career in the financial services and insurance business more than 20 years ago, Ladin has built a reputation as a respected public speaker and consultant. Ladin is a financial professional experienced in the most pressing issues facing today’s retirees.
Micheal was born and raised in Miami, FL. He’s an avid spear fisher and diver. Michael also enjoys spending time in the Florida Keys.
To schedule a time to discuss your financial future contact us at Ladin Tax and Financial Group or call us at: (305) 444-4898 today!
By contacting us you may be offered insurance and/or investment products for sale.
Ladin Financial Group operates under a fiduciary Standard, which assures clients that advice received from us is in their best interests.
A Fiduciary Relationship Is Generally Viewed As The Highest Standard Of Customer Care Available Under Law.
Fiduciary duty includes both a duty of care and a duty of loyalty. Collectively, and generally speaking, these duties require a fiduciary to act in the best interest of the customer, and to provide full and fair disclosure of material facts and conflicts of interest.
Today, financial advisers and broker-dealers are regulated by different laws. The current system, established in the 1940s, leaves states free to develop their own often conflicting definitions of fiduciary standards. This can confuse investors and lead to inconsistent definitions and interpretations under existing state law.
As part of its comprehensive financial regulatory proposal in 2009, the Obama Administration proposed to standardize the care that investors receive from financial professionals, whether financial advisers or broker-dealers at the federal level.
Under the Dodd-Frank Act, Congress directed the Securities and Exchange Commission (SEC) to study the need for establishing a new, uniform, federal fiduciary standard of care for brokers and investment advisers providing personalized investment advice. The Act further authorized the SEC to establish such a standard if it saw fit.
Separate from and conflicting with the definition of fiduciary being contemplated under Dodd-Frank, the Department of Labor (DOL) has proposed a wholesale revision to its regulation that redefines what it means to be a fiduciary under the Employee Retirement Income Security Act (ERISA) and the Internal Revenue Code.
Since early 2009, SIFMA has consistently advocated for the establishment of a new uniform fiduciary standard, and not application of the Advisers Act fiduciary standard to broker-dealers.
The new standard envisioned by SIFMA would: put retail customers’ interests first; provide adequate flexibility to preserve and enhance customer choice of and access to financial products and services, and capital formation; provide for conflicts management; apply only to, and be tailored for, those services and activities that involve providing personalized investment advice about securities to retail customers; and not subject financial professionals to other fiduciary obligations (for example, the Advisers Act fiduciary standard, or other statutory standards).
SIFMA, through our member committees and otherwise, continues to engage policymakers and regulators with comprehensive empirical and legal analysis to help inform the process. We are hopeful that our substantive engagement and input will positively impact any rulemaking or other actions on this issue.
Source: Securities Industry and Financial Markets Association (SIFMA)
To schedule a time to discuss your financial future and the possible role of insurance or investments in your financial strategy, contact us at Michael@ladinfinancialgroup.com or call us at (305) 444-4898 today!
We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.
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The retirement kit is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future.
All written content on this site is for information purposes only. Ladin Tax & Financial Group nor its employees offer tax or legal advice. Opinions expressed herein are solely those of Ladin Tax & Financial Group and our staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by Ladin Financial Group, a Registered Investment Advisor in the State of Florida. Insurance products and services are offered through Ladin Consulting Group. Ladin Tax & Financial Group and Ladin Consulting Group are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Florida or where otherwise legally permitted.