Our Qualifications

Nora L. Hartquist has been a financial educator for 26 years, first in her home state of Louisiana, and now in Northern Virginia, currently focusing on Stafford, Fredericksburg, Spotsylvania and Prince Wiliam Counties .  Her informative retirement workshops have been requested and attended by retirees of Fairfax County Public Schools, Orleans Parish Public Schools, Waste Management, Inc., the Federal Government, and the Armed Services including both the United States Marine Corps and the U.S. Army.  Ms. Hartquist has lectured on financial topics at Southern University in New Orleans, George Mason University in Virginia and is currently conducting a rotating series of workshops entitled "Avoid the Estate Planning Mistakes That Could Cost You Thousands", "Avoid Tax Mistakes that Could Cost you Thousands in Retirement", "Avoid the FERS & CSRS Mistakes that Could Cost Your Family Thousands",  in the Stafford and Fredericksburg, VA area libraries.

Certifications:

  • Certified Estate Planner (CEP®):  Ms. Hartquist is extremely knowledgeable concerning planning and efficient distribution of assets to heirs.  She is a Certified Estate Planner who works with a VA lawyer and "The Estate Planning Source" to provide documents valid in all 50 states.
  • Master Elite IRA AdvisorSM:  Ed Slott's Advisor Group receives intense, advanced ongoing education in IRA Distribution, taking exams semi-annually to ensure their knowledge is up-to-date with current laws, taking part in email alerts and teleconferences on the latest changes to IRA tax laws.
  • Certified in Long Term Care (CLTC®): Ms. Hartquist is uniquely qualifed to advise clients on Medicare, Medicaid, Long Term Care coverage, and other alternative planning strategies for incapacitation.
  • National Ethics Association: By joining the National Ethics Association (NEA) Ms. Hartquist & Ms. Lerch have placed themselves in a position of scrutiny.  They encourage consumers to do their due diligence rather than hiding from it.  To view their National Ethics Association Member's Profile visit www.ethics.net 
  • Chartered Federal Employee  Benefits Consultant (ChFEBC®):  Ms. Hartquist & Ms. Lerch are qualified to give the Federal Retirement Workshop to employees, and keep updated by taking an exam on Federal Benefit changes every year.
  • Certified Financial Fiduciary (CFF®):  Ms.  Hartquist  & Ms. Lerch have successfully completed a rigorous certification and training process established by NACFF and AFEA, and have agreed to uphold the highest moral, ethical and fiduciary standards of service when providing investment advice to current and potential clients.

Expertise:

Ms. Hartquist creates Life Income-Living Asset Cycle (LI-LACSM) plans to replace or supplement income, while reducing exposure to market losses.  The LI-LACSM is customized according to each individual's need and risk tolerance, planning for tax efficient income and inflation.  In addition, Ms. Hartquist provides a comprehensive, yet simple to understand, Family Contingency Plan (a retirement "road map") for each unique situation, pre-planning for incapacitation, loss or reduction of Pension and/or Social Security Income due to a loss of a spouse, etc.  As a Master Elite IRA Advisor Ms. Hartquist provides a Comprehensive IRA Plan to maximize your IRA, minimize taxes and pass it efficiently to your heirs.  Finally a Comprehensive Estate Plan will help prepare for incapacitation with Powers of Attorney, Conservatorship, and HIPAA Waivers, as well as pass your estate quickly and tax efficiently to your heirs. 

If you attend one workshop this year looking for ways to protect your family and your capital, don't miss Nora Hartquist's workshop!