A strong planning process is the best way to create a financial security plan. It is crucial to create a financial plan that protects your needs now and in the future. My goal is to assist you in building a solid financial structure that will stand the test of time and that will grow and build wealth for you and your family.
My process to do this is based on two key aspects of financial security: asset protection and wealth creation. A plan must ensure financial security throughout your life, for you and for your loved ones. It must provide income replacement and asset protection in the event that the unthinkable were to happen: disability, critical illness or death. The plan must also aim to build the maximum it can via a solid, tax efficient wealth portfolio.
With these goals in mind, we will work together to assess your total financial security planning needs. We will consider important milestones and will entail regular review of ongoing financial management strategies.
This goal-based financial security planning approach is designed to help you:
· Define customized short and long-term goals that ensure you choose only the right financial products and services
· Identify roadblocks or gaps that might impact your financial planning strategy
· Continually monitor your plan to ensure it meets your changing needs
My approach is to act as your personal Chief Financial Officer (CFO) to help you make wise financial decisions. As your personal CFO, I am continually updating and implementing your financial plan. My approach is in managing the financial complexities that clients face over their lifetime to ensure long term prosperity. That’s what makes me unique.
The CFO Planning Process
The discovery process in our first meeting provides an opportunity to explore whether our approach is a good fit with your situation. I will ask questions about your financial goals and what is important in your life. Also, I’ll explain how I use the CFO process to help manage my client’s entire financial situation.
As with any plan, progress comes faster when you have a goal to work toward. I’ll help set financial goals that make sense given the personal and business information revealed in the Discovery Process. Before we develop a strategy, I must have a thorough understanding of your situation.
I will perform a comprehensive review of information relevant to your personal and business finances which allows us to create a benchmark for measuring our overall progress.
At this point, we have established your personal and business financial goals and have established a solid understanding of your financial situation.
Next, we’ll develop a Financial Roadmap to guide how we will work toward meeting these goals. Based on my analysis, I’ll recommend strategies for achieving your goals. You will sleep better at night knowing that we’ve organized your financial affairs and taken care of important financial issues such as preparing for business succession and ensuring you are not overpaying taxes.
Complex financial issues often require expertise in employee benefits, and succession planning. We will collaborate with professionals in the community as needed.
Sound financial management is a continuous process. I will meet with you periodically to review and revise the CFO Master Plan, ensuring we are always on top of your financial situation.
My Independence means that I do not represent any single life insurance company, trust company, bank or investment firm. I provide clients with direct access to a full range of financial products.
Products and Services
Services provided
· Retirement planning
· Financial planning
· Insurance analysis
· Estate planning
· Business planning
· Employee benefits
· Severance package counseling
· Retirement allowance rollovers
· Succession planning
· Individual pension plans
Products provided
· Disability insurance
· Critical illness
· Life insurance
· Long Term Care insurance
· Annuities
· Group insurance
· Pension Plans
Copyright © 2004 - 2011Richard Freiberg CPA PC - All Rights Reserved
|