James Di Virgilio

CIMA®, CFP®
Personal Finance, Retirement, Investing
94%
Helpful
17
Answers
13
Articles
46
Followers
“James is the co-founder of Chacon Diaz & Di Virgilio, an independent Registered Investment Advisor (RIA) and fee-only fiduciary wealth management firm that works with clients across the United States. ”
Firm:

Chacon Diaz & Di Virgilio

Job Title:

Co-Founder

Biography:

When we created the firm, we sought to build an advisory experience that was solely and entirely focused on what was best for our clients. Today, that vision has made us a recognized leader and pioneer in our field. As an independent, fee-only, fiduciary wealth management firm, we do not sell products and we do not accept any commissions, allowing nothing to influence our independence and objectivity. As a result, our advice is always unbiased and free from conflicts of interests.

Designations

-Certified Investment Management Analyst®, CIMA® (2% of investors hold this certification)

Successfully demonstrated at least three years’ of acceptable experience in investing and passed two levels of certification exams, each with an average first-time pass rate of less than 60%. In addition, attended and completed the education program, through The Wharton School,  University of Pennsylvania.

-Certified Financial Planner™, CFP® (20% of planners hold this certification)

Successfully demonstrated at least three years’ of acceptable experience in financial planning, completed 6 graduate school level courses, and passed a rigorous ten-hour exam certification exam (63% pass rate).

Professional Activities

-Adjunct professor and regular lecturer at the University of Florida, working with the College of Pharmacy, the University Athletic Association, the College of Engineering, and the Warrington College of Business, among others.

-2016 University of Florida Outstanding Young Alumni Award Winner (1 of 24 across the entire University) The award is given to those who have distinguished themselves in their profession and community, and have had a significant professional accomplishment on the State, National, or International Level.

-Judge for Entrepreneurial and Business competitions held at UF, and a mentor for Entrepreneurs in the community.

-Past President of the Board of Trustees for the Gainesville Sports Commission, an organization that brings millions in economic benefit to the Gainesville community through sports tourism.

Education:

MS, The University of Florida
BSBA, The University of Florida

Assets Under Management:

$40 million

Fee Structure:

Fee-Only

CRD Number:

5141951

All Articles
Sort By:
Most Helpful
3 weeks ago
    Real Estate, Investing
June 2017
    Insurance, Life Insurance
February 2017
    Financial Planning, Investing
January 2017
    Asset Allocation, Investing, Retirement Savings
January 2017
    Asset Allocation, Personal Finance

All Answers
Sort By:
Most Helpful
    Debt
How do I handle my credit card debt?
67% of people found this answer helpful

If we are assuming that you are going to pay back the debt and not declare bankruptcy at some point, the best strategy is to do all that you can to reduce your overall interest rate. Thus, if you can get a fixed loan from the bank for X% that is less than the current rate on your credit card, that is wise. Then, begin paying your highest interest rates off first, as aggressively as you can. (Just pay the monthly minimum on your 0% cards, until they start charging interest.) As a bare bones strategy, always pay at least 2x the monthly minimum on credit card debt with an interest rate because this will cut your time to pay it back in half, as well as your overall interest owed.

November 2016
    Financial Planning, Pensions
Should I enroll in a 403(b) or a 457 plan?
67% of people found this answer helpful
November 2016
    Mutual Funds
What are the differences between A, C, and Preferred Shares?
50% of people found this answer helpful
November 2016
    Financial Planning, Annuities, Taxes
Does a withdrawal from a tax deferred immediate annuity qualify for the minimum distribution?
33% of people found this answer helpful
November 2016
    College Tuition, Debt, Investing
Should I halt my education for financial purposes?
33% of people found this answer helpful
November 2016