Personal Investment & Financial Planning Q`s/About bank instruments offer credibility



The thing is,  there are many persons/companies who claim they have the ability to sell/buy BG,MTN and SBLC . And there are more and more dodgy companies/persons coming out into this bank instruments and this market! Most said they have direct contact with Provider. With the distance problem, it makes it even harder to proof or verify if they are really what they are! How do you proof if the documents provided are real or fake?? And there isn't any proper authority who we can verify if these fuel sellers / buyer  are registered. We are not talking about a few thousands USD dollars, we are talking 50 or 100 thousands USD or even more!

Skype : sara.mazen49"

The first way to check on the reliability of the seller is to ask for both the firm and the individual with whom you speak for their CRD# numbers, and then go to the web site where you can find background about the company or the adviser.    CRD stands for Central Registration Depository.  All investment advisers and brokers, both firms and individuals, must register with and provide information to, the SEC and/or FINRA at either the state or federal level.

Of course this is not fool proof, look at Madoff and Associates, but it is a good starting point.

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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.


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

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