Benefits of an Independent Financial Planner
- You will not have to explain your financial history again and again to a series of new faces; I will be here for you.
- You will be able to trust and confide in me, as I will understand and prioritize your financial priorities and goals. I will serve you in a relationship.
- I am free to collaborate with you and advise you objectively as we design a financial plan to address your concerns and establish a path to your goals and dreams.
- You will understand investment concepts – I talk in familiar language, not financial jargon.
- You can make educated investment decisions with the help of my objective, independent research.
Why Should I Hire You?
Life isn’t all about money, but it is an important tool for building the life you want. And, like any tool, best results happen when skilled, experienced hands are in control of it.
For over 25 years, I have studied the financial markets, always striving to learn more about, and adapt my knowledge to, the new financial “normal” as it is continually redefined.
The result: I can help you make smart wealth management decisions for every stage of your life, under all market conditions.
How Much Do You Charge?
Most clients pay fee-only the size and complexity of their wealth management, and financial and retirement planning determines that fee.
Some clients mainly those with smaller accounts, i.e. Roth IRAs, some public school teachers with 403bs retirement accounts or parents or grandparents setting up a 529 college savings plan.
Do We Meet In Person?
The first introductory and fact-finding appointment should be in person. The second meeting where I provide my recommendations should also be in person.
Subsequent meetings where we monitor your progress and investments can be done in-person, by phone, email, or skype or more likely a combination of all meeting types.
Financial Planning Process
Starts with Gathering Data
Gather datafact finder, tax forms, brokerage statements, retirement accounts statements, mutual fund and annuity statements, insurance policies
Establish goalscollege funding, comfortable retirement, income needs, second home, travel
Analyze Informationmutual fund and ETF due-diligence, retirement planning, asset allocation and risk tolerance analysis
Recommendationsproduct solutions: stocks, bonds, mutual funds, ETFs, annuities, life insurance plans, tax reduction strategies
Monitor and Updateannual reviews, twice a year email updates, monthly brokerage statements, cirstatements online reporting of your accounts
Financial Planning for Retirees
- Understanding interest rates, bonds, annuities, and dividend stock investing along with other transition products can be challenging, if not confusing.
- As with most things in life, the first step is often difficult, but securing sound financial advice shouldn’t be left until it’s too late.
- Finding a licensed and knowledgeable resource—it’s the best financial advice you’ll ever receive.
Start gathering your data
Components of Your Financial Planning
Advising you in all three stages: saving for, transitioning towards, generating income during