Sam Thornal II - Ameriprise Financial Sam Thornal II @ Ameriprise - VUL Scam Addison Texas

My complaint about Sam Thornal II - Ameriprise is what I experienced, it is simply what I experienced and how I feel about the services provided.  

I had a bad dining experience the other day at a local steak house, does that experience cease to exist if you enjoyed your steak at the same restaurant?  Am I emotional about the over cooked steak simply because yours was to your liking?  That's the argument you seem to be making which is total nonsense.

If the information in my complaint is not useful to you, click the next link and move on, it's not provided to win approval or generate "likes".

Sam Thornal II is a crook.  He's an insurance salesman and a total idiot when it comes to financial planning.  That remains a truth regardless of anyone elses opinon.

I am one of Sam's customers and have been using his services for about 7 years. When I first went to Sam I didn't have a really good plan for retirement and was concernred that I would never be ready. I was investing in a 401(k) and crossing my fingers.

Sam reviewed my financial situation and contructed a plan for me to meet my retirement goals, save up to buy my home, pay off debt, and make sure that I am covered for any financial scenario the best way possible.

Like the individual who complained, I do not make $250K/year, I have a VUL and mutual funds through Sam, and I live in Frisco, Texas. I have a ONE account that Sam uses to auto debit his annual fee but he only auto debits after you sign a document allowing him to do that. Sam never makes any changes to my account without me signing a document giving him the authority.

Regarding his fees, he doesn't increase his fees every year. He's only raised his price one time in the last 7 years. Sam's fees are based on the types of investments in your financial plan and not by any type of greed. My mother is one of Sam's customers, her investment portfolio makes mine seem insignificant, and her annual fee is less than mine. The reason is she is in different products which take less of Sam's time than my portfolio.

With regards to the mutual funds or Sam asking for additional investments, he's a financial planner who is trying to get his clients to either retire early and comfortable, or build their nest egg for a rainy day. He's crystal clear and transparent with his plan and you have to agree to it before he executes. Case in point, he's been asking me to increase my mutual fund contributions each month and I've told him for at least 4 years I'm not ready yet. He just tells me I have to be ok with retiring a little later, I'm fine with it, and we move on.

It's unfortunate that someone had a bad experience with Sam and felt compelled to post something on this website. I've had nothing but an exceptional experience with Sam, he has provided me with sound financial advice and excellent planning for my future. I dont' make any large purchases without calling him, and he's provided me a great network of professional services that help me out as well. He's let me know when he's got new individuals in his network who can help me reduce insurance costs and such. I like who I use and tell him I'm satisfied and there's no high pressure sales tactics to get me to switch. He's just letting me know my options.

Oh, and about Sam not being a financial planner, he's certified out the wazoo. I find the statement that he isn't a financial planner ridiculous and likely fueled by emotion. I think the best unsolicited advice I would give to the individual who posted this complaint is to find someone else you like.

I sincerely wish you the best of luck in your financial planning and wish you ridiculous success. I just disagree with this complaint.