Personal Investment & Financial Planning Q`s/Expert Profile

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John Guilford Kerr, CFP, CFA


I can answer questions related to personal financial planning, asset allocation, private equity investment analysis, fixed income, mutual fund, ETF, and stock questions, estate planning (basic), education planning, insurance planning, and business financial planning.

Experience in the area

I have thirty-eight years of experience in finance, in the U.S. and internationally, for both public and private corporations. I have specialized in personal and small business financial planning and investment advisory services since 2005.------ - ten years commercial banking, New York, Paris, Houston, Charlotte, Atlanta---- - six years treasurer of a publicly traded health care company, Philadelphia----- - six years international project finance (Bechtel), San Francisco, Manila, London----- - five years head of international hotel development (Hyatt), Chicago---- - eleven years personal financial planning.----- Registered Investment Adviser, Hawaii---- FINRA General Securities Representative - Series 7---- FINRA Uniform Combined State Law - Series 66---- Resident Producer Insurance License, Hawaii-, Accident and Health or Sickness, Life, Variable Life and Variable Annuities


CFA Institute of Hawaii---- Certified Fiancial Planner Board of Standards, Inc-----. National Association of Personal Financial Advisers----- Financial Planning Association----- National Association of Tax Professionals


Project Finance Yearbook - 1997 / 1998 "Manila Water & Sewerage System Concession"----- "The Road To Helsinki, An Analysis of European International Relations Leading to the Conference On Security and Cooperation in Europe"' published 2015.


Certified Financial Planner, Certified Financial Planner Board of Standards, Inc.---- Chartered Financial Analyst, CFA Institute----- Certificate in Financial Planning, Boston University---- Masters in Foreign Affairs - University of Virginia---- Bachelors of Arts, Government - Ohio University

What do you like about this subject?

I like to translate the language of Wall Street into understandable English, and to help people invest their life time savings wisely while planning for their retirement. I enjoy helping entrepreneurs control and optimize the finance aspect of their businesses.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Liz10/09/16101010It feels so good to know I .....
John08/31/16101010Thanks for the advice! I appreciate you .....

Recent Answers from John Guilford Kerr, CFP, CFA

2016-10-05 Protecting Money for College:

Hi Liz,    The easiest way in my opinion would be to open a 529 Plan for each of your intended nieces / nephews.  You need an account for each beneficiary. But if one of them does not use the money that

2016-08-31 Roth IRA:

Dear John,    First, congratulations on your methodical saving.  Best thing you could do.     In general terms, when you have a need for cash, it is better to first take it from your taxable accounts,

2016-07-25 Loan Payment:

Hi Chris,    The formula you can use is the Future Value (FV) formula.  This will tell you the interest due after five months.   Here is what it looks like (assuming monthly compounding).       RATE 0

2016-07-12 Stock report recommendations:

Hello Jim,    Your question is very similar to one that I received about six months ago.  I have reviewed that answer and hope that it answers your question.   Here it is:    If you have not checked them

2016-04-21 Taxes on reg pay:

Hi John,    Congratulations on the new job!    Yes, unfortunately with your increase in pay and the large reduction in exemptions, you could very well be having this much more in withholding tax.  Remember


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