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1. Please tell me about the financial planning process?  

2. What is your investment philosophy

3. What is ''Fee-Only'' financial planning and why should it be important

    to me

4. Who can benefit most from your services

5. I understand the benefits of working with a Fee-Only financial planner,

    but I might need to obtain financial products. How will I be able to do

    that  

6. For what types of investments and financial planning matters do you

    provide advice?  

7. Do you offer educational programs for companies who want to educate

    their employees about 401(k)'s, investing and other benefit-related

    issues? 

8. Are your fees tax deductible?   

9. How can I get started?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1. Please tell me about the financial planning process?

Financial planning can be either comprehensive, focusing on most or all of the major components of your financial matters such as investments, taxes, insurance, short and long term financial goals, etc., or it can be very specific, focusing on only one or two issues of key importance to you.  In either case, financial planning is a multi-step process that provides you with two important outcomes: (1) An in-depth review of your current financial situation, and (2) a blueprint that shows you how to achieve your goals and objectives for the future. It is always important to remember that financial planning is a process  . . .  not an event.  Like most things worth doing in life, you have to stay at it to achieve the results you desire!

 

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2. What is your investment philosophy?  We believe in the following fundamental principles  when designing investment portfolios or for our clients:
 
- We believe that the optimal allocation of investment assets (i.e. stocks, bonds and cash) is the most important component in developing a client's investment portfolio. The design of the portfolio should take into account a client's financial objectives, tolerance and capacity for risk, needs for current income or liquidity, and any other considerations unique to the client. Perhaps most importantly, the asset allocation should be such that the client should be able to "sleep at night" regardless of what happens with short term market fluctuations -- We take an academic approach to investing. Our portfolio designs implement the major breakthroughs in financial research that has occurred over the years.
 
- We believe in investing for the long term. We do not believe in market timing. We are in agreement with academic research that shows that a carefully diversified portfolio comprised of low cost, tax efficient index mutual funds and exchange traded funds are preferable than investing with the latest “hot” fund manager.


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3. What is ''Fee-Only'' financial planning and why should it be important to me?  True Fee-Only financial planners are paid by their clients and only by their clients.  They don't sell financial products of any kind, nor do they receive commissions or hidden fees. Atlantic Financial Planning is a true Fee-Only financial planning practice.  This is important, because when you work with us, the possibility of a conflict of interest regarding compensation does not exist.  We will advise you on financial products such as investments and insurance, but we do not sell them or receive any benefit from their sale.  This allows us to seek out the best alternatives for you without third-party relationships or outside influences to color our thinking or recommendations. We think that when choosing a financial planner, you should always ask and fully understand how they are compensated. 

 

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4. Who can benefit most from your services?  Any individual or family seeking financial peace of mind can benefit from our services. We serve people at all income levels, from all walks of life.  We do not require that clients have a minimum net worth, or income level.  We welcome clients who simply need a one-time financial consultation or a second opinion, as well as those who are seeking ongoing assistance and monitoring over a longer period of time. In addition, any corporation or organization seeking quality, unbiased financial education for their employees can benefit from our financial education programs.

 

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5. I understand the benefits of working with a Fee-Only financial planner, but I might need to obtain financial products. How will I be able to do that?  While we don't sell financial products, we offer specific recommendations and opinions regarding their purchase if they are appropriate for you. We can assist you with implementing these recommendations, or we can direct you to the appropriate contacts so you can implement them on your own.  We are flexible enough to provide as much or as little help as you would like.

 

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6. For what types of investments and financial planning matters do you provide advice?  We provide analysis and advice for most types of investment securities, including mutual funds, stocks, bonds, bank deposits, variable and fixed annuities, limited partnerships, tax shelters, etc.

 

We provide advice and education on retirement planning, budgeting and cash flow issues, 401(k)'s, 403(b)'s and other retirement programs, rollovers, stock options, life and disability insurance, mortgages and more. If it has to do with money and finances, we can usually provide counseling, guidance and/or resources for you.

 

Clients are also encouraged to call us when they have a major life event, such as a new job, a baby, a marriage or divorce, or if they are planning to buy a new home or start their own business. And we encourage our clients to call us with more common everyday questions, such as: ''How should I invest within my 401(k) or 403(b) plan?'', ''How can I reduce my taxes?'', ''Am I saving enough?'', or ''Should I pay down my debt?''

 

Finally, we can also provide important financial education for those just starting out or trying to get "up to speed" on their finances.

 

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7. Do you offer educational programs for companies who want to educate their employees about 401(k)'s, investing and other benefit-related issues?  Yes.  We can custom-build an educational program for your company to help your employees understand why they'll be better off if they participate in your benefit programs.

 

We can also educate them on investing basics and other financial matters so they can make well-informed decisions both inside and outside of their company plans.  Your employees will appreciate the fact that you have engaged an independent, fee-only firm, eliminating the possibility of product sales, promotions, or biased advice.  Please call us to discuss your company's specific educational needs.

 

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8. Are your fees tax deductible?  Yes. Section 212 of the Internal Revenue Code permits an itemized deduction for tax and/or investment advice in the Miscellaneous section of Schedule A. It is subject to a 2% floor of the adjusted gross income on a personal tax return.

 

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9. How can I get started?  The first step is up to you!  Call us at 443-822-5615 or email us at Charlie@AtlanticFinancialPlan.com to schedule a meeting. We offer a no-cost, no-obligation "Get Acquainted" meeting, either on the phone or in person. These meetings are scheduled based on availability during regular business hours of 8-5, Monday through Friday.

 

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THE KEY IS. DON'T PROCRASTINATE!! 

 

Most clients find the financial planning process stimulating and enlightening

 once they get started. And the end result, of course, is greater peace of mind.

 

We look forward to helping YOU build a brighter financial future!