Wealth Management

You have goals for your future; probably more than one. They might be about the lifestyle you hope to lead in retirement. Or a child's education. There might be a charitable cause you hope to support more fully, or a hobby you've yearned to pursue.

Or perhaps you're just not quite able to articulate your goal. But we bet you have one, nevertheless. Understanding what's really important to you is at the heart of how we'll begin to build the kind of relationship you expect. Step by step, in a way that is very personal, very open and very focused on your hopes and dreams and goals.

Wealth management is very straightforward. From the affluent individual’s perspective, wealth management is simply the science of solving/enhancing his or her financial situation. From the financial advisor’s perspective, wealth management is the ability of an advisor or advisory team to deliver a full range of financial services and products to an affluent client in a consultative way.

Theoretically, a wealth manager can provide every single financial product in existence. In reality most wealth managers specialize in services and products they feel most comfortable with.

Retirement & College Saving

Life is a constant juggling act. Every day we juggle tasks, time, people and goals. This is especially true when it comes to balancing financial goals, whereby time is not the scarce resource, but money is. The future can seem especially daunting for young families balancing retirement funding goals and college planning for their children.

College expenses are traditionally paid from one of several sources: parent’s current income, financial aid/scholarships/grants, and parent’s personal savings. Over the past several years, however, a proliferation of college savings programs have been introduced including prepaid tuition programs, which are a real escape for those parents looking for additional ways to save money on college for their children.

Nine out of 10 parents believe their children will attend college, and since college typically arrives before retirement, the majority of parents feel like they should put money toward that first and save for retirement after. In fact, 49% of parents are willing to delay their own retirements to pay for their children’s education, while others feel guilty they won’t provide more financial assistance. Financial Advisor can help you with both.

Business Owners

Managing taxes

As your goals and financial situation change, there may be new opportunities to reduce your taxable income. I`ll help you find them.

Retirement plans and other employee benefits

The right retirement plan can provide tax benefits and help you attract and keep high-quality employees. I`ll help you find it.

Business valuation

Your business is important to you, but do you know how much it's really worth? I'll develop a clear picture of your business's value and integrate it with your personal financial situation - so you'll have the comprehensive view you need to plan for a successful future.

Business succession planning

How will you transfer your business when it's time to move on? I`ll help you plan for a smooth transition.

Insurance & Annuities

Annuities are financial tools that can be used for receiving potential guaranteed income in retirement. Various types of annuities let you choose which benefits matter most and how often you are paid. All are tax-friendly, meaning you don't pay taxes on them until you receive your annuity or income payments, which are usually when you're in retirement and could be taxed at a lower rate. I offer a variety of solutions from leading financial service providers, so you have many options when deciding what type of annuity is right for you, your company or your family.

How Annuities Work:

Learning more about annuities can help you understand what options are available to you. As a certified financial advisor, I can answer questions you have about various features annuities and insurance. For example, an annuity is a contract between you and an insurance company. They invest your money and provide a regular source of income that you can receive a paycheck for life, depending on the contract selections you make.

Cash & Credit

In my investment advisory programs, you generally pay an asset based fee, charged quarterly in advance, based on the total value of the assets in your account at the end of the previous quarter. Unless otherwise noted, the asset-based fee generally covers investment consulting and certain brokerage services provided by Financial Advisor, as well as the external or internal investment management fees. However, the asset-based fee does not cover expenses paid within any exchange-traded funds or mutual funds you may own.

You may select from my comprehensive suite of managed account programs, which are designed for various levels of investment experience and sophistication, with asset minimums that start as low as $5,000. Depending upon the program, your investment advisory account may include stocks, bonds, money market funds, mutual funds, exchange-traded funds and cash.

Stock, Bonds & Mutual Funds

If you're parking money in a savings account, that's not going to help you prepare for retirement. Bank accounts, CDs and money market funds may provide safety from loss of principal, but these "cash equivalents" don't boast the higher returns of other investments. Consider the following riskier alternatives.

Also called equities, stocks are the cornerstone to most retirement accounts because they've boasted higher returns than many other investments, clipping along at an average 10 percent a year since 1926, according to Ibbotson Associates. Bonds, however, are considered safer investments than stocks. But that's not always true. It depends on the bond you buy. The riskier the bond, the higher the interest rate.

Mutual funds come in a variety of styles. Some are more risky, others less so, depending on what they're invested in. Index funds are geared to mimic certain indexes (such as the Standard & Poor's 500) and they tend to be more tax-efficient and less costly than, say, managed funds, which also may have sales charges and other expenses.

At Financial Advisor I put the client first

My mission is to make professional financial advice and investment services accessible to everyone.

I believe that by putting my clients first, explaining complex financial topics in easy to understand language, and helping those in need, I can achieve that goal.

Financial Advisor is one of the largest independent financial planning firms in the nation, and I, John Doe, as a founder has been three times ranked the #1 Independent Financial Advisor in the nation by Barron's. With more than 28,000 clients, I am on my way to achieve my mission.