How Did You Find Me?
Chances are you found me one of these ways:
- you attended one of the Retirement Planning classes I teach at Temple University
- you’re a doctor and found me as a recommended advisor on the Whitecoat Investor website
- you are looking for a fee-only fiduciary and found me on Zoe Financial, NAPFA, or Fee Only Network
- you received a recommendation from a friend or family member
- you google searched for a financial advisor in the Philadelphia area
However you found me, welcome. I’m glad you’re here.
What Are You Like?
If you’re like most of my clients, you like to save. You understand delayed gratification.
You would rather have financial freedom and independence later than to live it up today. You’re more excited about a paid-for home than a shiny, new luxury sedan.
You also understand that it takes sacrifice no matter how much money you make to achieve your long-term goals.
What Do You Want?
You want a plan. You may be recently retired or you may be a busy professional.
Either way, you likely haven’t taken the time to get organized and really lay out where you want to be in 5 years, 10 years, 20 years, and beyond.
And you probably don’t know exactly what it’s going to take to get there.
What Questions Do You Have?
If you’re getting close to retirement or already retired, you probably have several financial questions like:
- How much can I reliably withdrawal from my investments each month without running out of money?
- What happens if I have medical issues later in life?
- When should I take social security?
- Will I be able to contribute to my grandchildren’s education?
- How do I minimize my taxes so I can maximize my retirement income?
- Is there a certain order in which I should withdrawal money from my different retirement accounts?
- Should I invest my money differently in retirement?
- What percentage should I invest in stocks vs. bonds?
- How can I ensure I’m able to leave a legacy to those I love?
- Should I downsize my home to reduce expenses?
- What types of returns do I need to meet my retirement income goals?
- Should I take the pension or lump sum distribution from my employer?
- What type of Medicare supplemental plan do I need?
- Should I buy an annuity?
If you’re at the other end of the spectrum and still busy accumulating wealth, you probably have questions like:
- How much do I need to save to enjoy a comfortable retirement?
- How much do I need to save for my children’s education?
- How do I minimize my taxes now that I’m in a higher tax bracket?
- Which accounts should I use to save for retirement?
- Where should I invest my money?
- Should I invest in stocks or bonds?
- Should I refinance my student loans?
- Should I aggressively pay off my student loans or start investing first?
- Should I buy a home now or continue renting?
- How much should I spend on a home?
- How should I finance the home when I do buy?
- Should I invest in real estate or the stock market?
- What types of returns should I expect from investing?
- What happens to my family if I pass away or can’t work because of an accident or illness?
What Do You Need?
You need someone who can answer all of these questions and more.
You need an objective professional who is with you every step of the way to offer strategic solutions and advice.
You need someone who can manage your finances and take some of this responsibility off your plate.
You need someone who can anticipate your needs and can provide solutions before you ask.
You need to be able to trust someone to delegate this important role for you and your family.
You need to create a plan and have someone navigate you through the inevitable changes in life.
You need someone to stay on top of your money and to provide you with straightforward results.
You need to have regular, efficient updates at times that work with your busy schedule.
In a nutshell, you need a Personal CFO.