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Staying in Touch (#0120-1607)

It is necessary to stay in touch with me in order to stay abreast of changes in the marketplace and to stay on top of changes in your life that may affect your financial decisions.

Years ago, the financial services industry offered fewer and less-complicated products and services. Today, the financial service industry is in constant change. Individual financial needs are changing and becoming more specialized. Financial services companies are responding by offering more products that target certain niche clients.

This is true whether you are talking about business or personal insurance, group or individual products for retirement, health, disability, or long-term care. For some people, it is important to review estate-planning concerns and options, while others need to consider the best alternative for financing college educations or retirements.

You should also review current insurance policies and investments to ensure that what you have is appropriate when considering your goals, objectives, priorities, tolerance for risk, and many other factors. When was the last time you reviewed your asset allocation strategy or the efficiency of your investments?

When your life circumstances change, it is time for a financial “checkup.” Do you have any new children or grandchildren? Do you have a new job, a promotion, or a new business? Are you ready for retirement? Have you received a lump-sum distribution or an inheritance? Have you recently bought a new house? Take the time to set up an appointment to discuss any of these concerns.

Use All of My Services (#0120-1608)

Most of my clients first came to me with one specific need. Maybe you needed help developing a retirement or education funding plan, or you wanted to sort out your investments. Maybe you felt it was time to set up an estate plan, or you wanted to figure out how to lower your income tax bill. Maybe you needed help analyzing different investment alternatives.

Whatever your initial reason for consulting me, don’t make the mistake of assuming I can only assist you in one specific financial area. I provide a variety of financial planning services that encompass investment analysis, tax planning, insurance reviews, estate planning, education analysis, and retirement planning. My goal is to help you with all of your financial concerns so you can achieve your financial goals.

Please call if you’d like assistance with any financial concern.

My Commitment to You (#0120-1609)

Although the financial services industry is subject to constant change, my principles remain the same. I am committed to the simple belief that the best interests of my clients must take precedence in all decisions. From data gathering, analysis, and recommendations, my guiding principle is to ensure my clients have a clear picture of what is needed, why it is needed, and how their decisions affect their financial future.

Giving my clients choices and alternatives when providing strategies to help meet their financial needs is another important factor in my commitment to excellence. A commitment to provide ongoing, quality services is the cornerstone in my business. Annual reviews, this newsletter, and personal contact help my clients to know where they stand in pursuing their financial goals and objectives.

However, the most important ingredient in my success is the confidence and loyalty of my clients. Thank you for your continued business. Please call if I can assist you in any way.

Where Do You Go to Learn about Financial Matters? (#0120-1610)

Confused by the thousands of available investment alternatives? Concerned about how you will finance your children’s college educations? Worried you won’t have the funds available to enjoy your retirement? Angry that you pay so much in taxes every year? Anxious because you don’t have a properly designed estate plan?

Many people I talk with want to learn more about how to handle their finances but are not sure where or how to even begin the process. They have many questions about the financial issues confronting them, but don’t know who to turn to for answers.

Your financial consultant should be a valued advisor whom you trust with your financial well-being. Give me an opportunity to meet with you and discuss your concerns, while you determine if I am someone you feel you could trust. Did you know I offer a free, no-obligation consultation? Please call so we can find a time that is convenient for you to go over your financial concerns.

My Financial Planning Services (#1019-1592)

A proper investment and financial plan is more than just an occasional consideration to be thought of every couple of years. Instead, it is a cooperation between a financial advisor and a client that should be based on honesty, accessibility, and education.

While investment selection is an important part of this relationship, short- and long-term goals, debt considerations, and lifestyle goals are all critical parts of the total plan.

I am committed to providing the comprehensive service that my clients deserve to navigate through the increasingly complex financial environment. Whether it’s a plan to handle estate or business continuation concerns, an investment strategy based on today’s markets, a plan to fund your children’s college educations, or steps to help you accomplish your retirement goals, I am committed to consulting with and educating my clients.

I am constantly exploring new ways to better serve my clients. If you have any suggestions, please call.

My Role in Your Financial Affairs (#1019-1593)

My role is to serve as a financial advisor to my clients. I do not attempt to replace any other advisors a client may have, such as an attorney or accountant. However, with the client’s permission, I attempt to coordinate my efforts with those other advisors.

I can provide assistance in several areas, including overall financial consulting, tax-advantaged investment strategies, investment counseling, retirement planning, insurance analysis, and estate analysis.

My recommendations are tailored toward each client’s objectives. I do this by reviewing the offerings of major financial institutions and recommending those I believe to be most suitable. I have a conservative philosophy regarding products; I prefer those developed by institutions with impeccable credentials and long histories of solid performance and good client relations. Past performance is not a guarantee of future results.

My Philosophy (#1019-1594)

With each new year, I think it is useful to restate my investing philosophy so you better understand how I try to help you achieve your goals. Following is an abbreviated outline of the approach I follow:

1. My primary mission is to help clients identify and reach their long-term financial goals. By doing this, my objective is to build a long-term relationship with each of my clients.

2. To help clients set realistic goals, I need to educate them. I strive to ensure clients understand what is possible and what is not.

3. We are long-term investors, not short-term speculators. I take a three- to five-year time frame on most investments, while continuing to monitor each investment.

4. I believe in diversification and asset allocation. Diversifying an investment portfolio among several different asset classes and among different investment vehicles is one of the most effective and proven techniques for reducing overall portfolio volatility and risk.

5. I strive to keep our clients well informed. I regularly prepare monthly statements, this newsletter, and performance reports. I endeavor to talk to each of my clients at least once a quarter.

Thank you again for your confidence in me and for your business. Please call if you would like to discuss your portfolio.

A Financial Review (#0719-1578)

People often take time during this part of the year to review the events of the first part of the year and gain perspective on where they stand personally as well as financially. During this time of personal review, I would like to have the opportunity to review your financial situation with you. I hope that through our discussion I can become more familiar with goals important to you and gain more insight into how I might help you reach your objectives. Please call so we can set up an appointment at your convenience.

Service Comes First (#0719-1579)

I offer a wide variety of financial products and services. However, the most important product I offer is service to my clients. It is service I provide to help my clients decide which financial products fit their unique financial situation. It is service that compels me to get to know my clients well, so I can ensure their investment program is unique to their financial situation. It is service that prompts me to schedule annual meetings with clients to rethink past decisions and make sure we are on target with financial goals. It is service when I phone my clients to introduce an idea that may be beneficial. It is service that demands I enroll in continuing education to keep abreast of the ever-changing financial world. And it is service — high-quality, responsive service — that helps me earn the trust and support of my clients. I realize that my clients have many sources available for their business. It is with first-class service that I separate myself from those other sources.

I thank you for your continued trust and support. If I can help you with any of your financial needs, please call.

Be Proactive (#0419-1561)

As you know, I want to enable you to become as proactively involved as possible in your own financial planning. This means that each year I should take an inventory to see if you are on schedule to meet your short-, intermediate-, and long-range goals.

Once we have determined your basic financial goals and time frames to meet these goals, I fine-tune the assumptions used in my calculation to pursue your financial objectives. For example, each year we may adjust your expected rate of return, the inflation rate, Social Security payouts, and new tax brackets that more closely relate to our ever-changing economic environment.

Please call if you would like to set up an appointment to discuss your financial objectives.

A Financial Review (#0419-1562)

Many people take time during this part of the year to review the events of the past year and gain perspective on where they stand personally as well as financially. During this time of personal review, I would like to take a few minutes to review your financial situation with you. I hope that through our discussion, I can become more familiar with the concerns and goals that are important to you and gain more insight into how I may help you pursue your goals. Please call to set up an appointment at your convenience.

My Mission to You (#0419-1563)

My mission is to provide personalized investment services to high-net-worth clients that allow them to meet their short- and long-term goals. By employing a balanced approach, I allocate assets to pursue maximum portfolio performance relative to a client’s risk tolerance and liquidity needs. I also strive to educate clients on the investment process so that they have a complete and thorough understanding of their financial plan.

I realize that seeking financial advice is an act of trust, and I am dedicated to earning that trust by providing superior service and a variety of services to help meet your needs.

I want to work with you to help you pursue your goals and ensure a certain financial future. Please call if you would like to discuss your financial goals.

The Best Investment Decision (#0119-1543)

Of all the investment decisions to make, one of the most important could be to hire a financial advisor to help you pursue your financial objectives.

Whether you need a financial advisor to help you tailor a financial plan for your retirement, fund your children’s educations, or plan the distribution of your estate, I take the time to understand you and all of your goals.

I can help you decide how your assets should be allocated. Owning just one investment is not the best strategy for pursuing your goals. Instead, diversifying among a variety of investments helps reduce your risk to market volatility.

By using the services of a financial advisor, you can gain the knowledge to understand how changing economic, political, and market conditions affect your financial situation. You will then understand that the changes to your portfolio are made for logical reasons.

I will remain committed to you and your financial welfare. Our first meeting is complimentary and consists of a relaxed and thoughtful discussion of my services and how they can relate to your personal financial situation. Please call if you would like to set up an appointment with me.

Seeking a Common Goal (#0119-1544)

Thank you for your continued trust and confidence in me. My commitment is to help you navigate through the enormous sea of available financial information, and I take my responsibility seriously. For example, I send you this newsletter for many reasons. The most important reason is so you can become an up-to-date and well-informed investor. If you know someone who would appreciate this newsletter, please let me know. I will add that person to my mailing list.

My clients are from a variety of personal and professional backgrounds. Despite their differences, each is seeking a common goal: to pursue their financial goals. However, financial goals differ for each person. This is why each client has a different financial plan.
Because there is so much diversity among my clients, I take the time to get to know each to determine what is most important to them and what their financial goals are. We can work together to design a financial plan to help you pursue your goals in a way in which you are comfortable.

If you have any questions, or if you would like to discuss your financial plan, please call.

My Part in Your Financial Plans (#0119-1545)

My role is to be a financial advisor for my clients. I do not attempt to replace any other advisors a client may have, such as an attorney, accountant, or tax advisor. However, with my client’s permission, I attempt to coordinate my efforts with those advisors.

I can provide assistance in several areas, including overall financial consulting, tax-advantaged investment strategies, investment counseling, retirement planning, insurance analysis, and estate analysis.

My recommendations are customized for each client’s objectives. I do this by reviewing the offerings of major financial institutions and recommending those I believe to be most suitable. I have a conservative philosophy regarding products. I prefer those developed by institutions with impeccable credentials and a long history of solid performance and good client relations. Past performance is not a guarantee of future results.

My Philosophy (#0119-1545)

Periodically, I think it is useful to restate my investing philosophy so you can better understand my goal to help you pursue your goals. An abbreviated outline of the approach I follow is:

  • My primary mission is to help clients identify and pursue their long-term goals. By doing so, my objective is to build long-term relationships with each client.
  • I need to do a certain amount of educating to help clients set realistic goals. I strive to help assure clients understand what is realistic and what type of volatility comes with certain return objectives.
  • We are long-term investors, not short-term speculators. I take a three- to five-year time frame on most investments, while continuing to monitor each investment.
  • I believe in diversification and asset allocation. Diversifying an investment portfolio among several different asset classes and among different investment vehicles can be an effective technique for helping to reduce overall portfolio volatility and risk.
  • I strive to keep my clients informed. I regularly prepare monthly statements, this newsletter, and performance reports. I endeavor to talk to each of my clients at least once a year.

Thank you for your business and confidence in me. Please call if you would like to discuss your portfolio.

What Is the Review Process? (#0119-1547)

As we approach the middle point of the year, I am looking forward to the midyear reviews. Sadly, just as is the case each January when I am pushing clients to schedule their annual review, there are always clients who seem to believe this review process is not important. My hope is that this year, my clients will understand why I advocate the review process.

As many of my clients know, the review process is a very important experience. Similar to the reasons we annually check in with our physician for a physical, the review is intended to look for anything that needs fixing and generally provide an overview of our progress. The review process cannot make underperforming assets retroactively increase in value, and it cannot guarantee perfect timing in new investment strategies. However, I would suggest to you that the review process can actually provide something more valuable — it helps assure that as your financial advisor, I am monitoring your overall financial plan. There is no part of my job that I believe is more important.

For those clients who have not experienced the review process before, the following are objectives I like to see met at every meeting:

1. We review your life aspirations, risk tolerance, and financial goals to make sure you are still on the right track.

2. We review your portfolio. The review gives me a chance to share with you the results of monitoring and to evaluate together if changes need to be made to your portfolio.

3. We review your plan. This review enables us to look at income projections, cash flow scenarios, borrowing needs, and retirement planning updates.

Hopefully, you will now see the importance of consistent financial reviews. Please call to schedule your financial review.

My Goal (#1018-1529)

My goal is to provide you with a quality financial plan and services throughout your lifetime. This is especially important during anxious times and as your financial situation changes throughout the years.

To meet this goal, I rely on commitment, continuing education, and the enthusiasm of my team members. I take this even further by making sure my team members understand you and the type of service you should demand.

To ensure I have all the most up-to-date information needed to develop and monitor your financial plan, I use the latest technological and information systems.

Whether you are currently a client or considering working with me, I welcome the opportunity to prove myself by making a positive difference in helping you pursue your financial goals. My mission is to do the best I can to help you reach your goals and objectives with a minimum amount of risk and to make your financial goals a reality. You deserve nothing less.

There Is No Substitute for Experience (#1018-1530)

I believe investing is a long-term process and not just a series of transactions. I help my clients formulate a financial plan that evolves as their life circumstances change.

First, I base my management consulting and investment philosophy on selecting the investment styles that are appropriate in the current economic environment, such as large-cap, mid-cap, small-cap, balanced, international, etc. The next step is the asset allocation for each client’s portfolio, knowing the long-term return of a portfolio is due to efficient asset allocation. I work with attorneys, accountants, and other professionals to help maximize my clients’ financial positions. Finally, I meet the needs of each individual client by actively monitoring their accounts and keeping them updated on the economic and political news and trends that could affect them.

Honesty, integrity, professionalism, and the desire for long-term relationships have built my solid reputation as a financial advisor. Due to my commitment to my clients’ well-being, uncompromising ethics, and outstanding service, I continuously receive referrals from satisfied clients.

Please call if I can be of further assistance to you.

I Believe in Personalized Service (#1018-1531)

The most gratifying part of being a financial advisor is to be involved in helping clients pursue their financial goals. Each client has a unique situation, which requires that I begin each relationship with comprehensive financial planning. This entails gathering information, such as the desired income and age of retirement, funding for children’s and grandchildren’s educations, minimizing taxes, and protecting heirs’ estates. When planning is complete, we begin asset allocation, which will help diversify your investment dollars among stocks, bonds, and cash. By diversifying your investments, we can help minimize investment volatility while maximizing long-term performance.

Investment management is an ongoing, dynamic process that requires constant monitoring, evaluation, and periodic updates. My reviews include changes in my client’s lifestyle and address any distress with market conditions. Another important part of my portfolio management strategy includes annual asset allocation reviews to make any necessary adjustments required due to stock and bond performance.

I believe personal service, client dedication, and appropriate recommendations are the foundations that build a solid and successful advisor/client relationship.

About My Practice (#0718-1511)

I believe the world turns more smoothly for people who truly enjoy what they do for a living. Early in my career, I found I had a special affinity for working with financial issues.

I spend a great deal of time out of the office, meeting with clients in their homes or reviewing investments with the participants in 401(k) plans. My goal is to have each client feel I am available as a resource to them. It is particularly rewarding to have my clients tell me they believe I have a positive impact on their financial lives.

My investment philosophy is simple. Each investor has an objective and time frame. If they are realistic, it is sensible to take only the amount of risk necessary to reach the intended objective during the established time frame. Through constant monitoring and disciplined adjustments, the investor’s objective can become a reality over time.

One of the benefits of my career is the ability to spend time with talented people, whether it is during a portfolio review or informal meeting. If you are a client, I want to thank you. You are the type of person who makes my work worth doing. If you are receiving this newsletter but are not yet a client, I would enjoy the opportunity to show you how I can help address your investment needs.

Client Reviews Are Important (#0718-1512)

As we all know, the markets, your life, and your goals may continuously change. It is a necessity for us to regularly meet to ensure we are still moving in the right direction to help you pursue your goals. We need to make sure we are still on the same page regarding your time horizons and risk tolerances and that any products or services are continuing to help meet your objectives and goals.

In other words, what’s more important than family, health, and finances? I would speculate that most of you stay in touch with your families, have at least annual checkups with your physician and dentist, and have your automobile regularly maintained. It only makes sense to review your financial plan as well. Having said that, if we haven’t met in the last six months, please make the time for a review appointment with me.

Your Personal Problem Solver (#0718-1513)

Somewhat surprisingly, I have learned many of you are not aware that I can help with more than just investments. Please think of me as your personal financial problem solver.

At virtually every stage of life, all of us face financial and investment-related challenges that require personal attention. When you need help with life, disability income, and long-term-care insurance planning, you can ask for my advice. When you want to put your retirement planning efforts into focus, I can help you analyze your strategy. And when you reach the point when estate planning, gifting, and other distribution issues need to be addressed, I’m a valuable resource for you. I have access to many estate planners in our area.

Please contact me with any questions or issues you may have.

Commitment (#0718-1514)

I am committed to you in several ways:I am committed to you in several ways:

  • I am committed to getting to know you and taking the time to carefully listen to you.
  • I am committed to helping you chart a course in the right direction, whether you are in need of a comprehensive plan or just help with one aspect of your financial life.
  • I am committed to helping you focus on your needs, such as retirement planning, estate planning strategies, education funding, income investing, portfolio management, insurance evaluation, and much more.
  • I am committed to offering prompt and courteous service to all my clients.
  • I am committed to conducting periodic portfolio reviews and responding to circumstances that may call for changes to your portfolio and financial objectives.
  • I am committed to providing a comfortable environment for you to make some of life’s most important decisions.

Do You Have Questions? (#0718-1515)

I hope the information contained in this newsletter is informative and helpful to you.  It is important for you to save for your retirement.  If you have any questions, or for more information and assistance with your retirement plan account or investments, you can call me at any time.  I provide investment advice and investment management for your retirement plan.  I can give you:

  • Personal investment advice
  • Fund information
  • Retirement plan details
  • Daily account values
  • Stock market updates
  • Beneficiary change forms
  • and much more

Give me a call today; I’ll be glad to answer any of your questions.

My Business Philosophy (#0418-1498)

As the financial services industry continues to grow increasingly complex, it is important you work with a financial advisor who understands your needs as well as the market. My goal is to provide you with high-quality financial investments and services.

To meet that goal, I rely on commitment, continuing education, and the enthusiasm of my staff. To ensure I have all the information needed to choose wisely from the growing number of financial providers in the marketplace, I use the latest technological and information systems.

It has been said people don’t care how much you know until they know how much you care. Whether you are a current client or considering working with me, I welcome the opportunity to prove myself by making a positive difference in helping you work toward your financial goals. My mission is to help you reach your goals and objectives. You deserve nothing less from me.

Helping Achieve Your Financial Goals Is My Mission (#0418-1499)

With the increasing demands of daily life and growing complexity of the financial markets, more people have sought financial advisors to manage their investment and retirement needs. They have chosen to spend their free time relaxing with family rather than enduring the stress of planning by themselves.

As your financial advisor, I am experienced in a variety of areas:

• Retirement and investment portfolio management
• Personal financial planning
• Estate analysis and planning
• Risk management and insurance

My mission is to provide personalized investment services to clients to help them meet their short- and long-term goals. By employing a balanced approach, I allocate assets to achieve maximum portfolio performance relative to a client’s risk tolerance and liquidity needs. I also strive to educate my clients about the investment process so they have a complete understanding of their financial plan.

I realize that seeking investment advice is an act of trust, therefore, I am dedicated to earning that trust by providing superior performance and a broad array of services to meet your needs.

I want to work with you to achieve your goals and ensure a positive financial future. Please call if you would like to discuss your financial goals.

My Philosophy (#1017-1466)

I periodically think it is useful to restate my investing philosophy so you can better understand my goal to help you pursue your financial goals.  Here is an abbreviated outline of the approach I follow:

  • My primary mission is to help clients identify and pursue their long-term goals.  By doing so, my objective is to build a long-term relationship with each client.
  • I need to do a certain amount of educating to help clients set realistic financial goals.  I strive to help clients understand what is realistic and what type of volatility comes with certain return objectives.
  • We are long-term investors, not short-term speculators.  I take a three- to five-year time frame on most investments, while continuing to monitor each one.
  • I believe in diversification and asset allocation.  Diversifying an investment portfolio among several different asset classes and investment vehicles can be an effective technique for helping to reduce overall portfolio volatility and risk.
  • I strive to keep my clients informed.  I regularly prepare monthly statements, performance reports, and this newsletter.  I try to talk to each of my clients at least once a year.

Thank you for your business and confidence in me.  Please call if you would like to discuss your portfolio.

My Role in Your Plan (#1017-1467)

My role is to be a financial advisor for my clients.  I do not attempt to replace any other advisors a client may have, such as an attorney, accountant, or tax advisor.  However, with my client’s permission, I endeavor to bring together my efforts with those advisors.

I can offer assistance in several areas, including overall financial consulting, tax-advantaged investment strategies, investment counseling, retirement planning, insurance analysis, and estate analysis.

My recommendations are customized for each client’s objectives.  I do this by reviewing the offerings of major financial institutions and recommending those I believe to be most suitable for each client’s personal financial goals.  I have a conservative philosophy regarding products.  I prefer those developed by institutions with impeccable credentials and a long history of solid performance and good client relations. Past performance is not a guarantee of future results.

A Variety of Services (#0717-1450)

My goal is to aid my clients in managing their personal finances to pursue their long-term goals. Some areas I can best be of service include:

Financial Planning — Through meticulous fact-finding, I analyze your current planning and develop strategies to help you achieve your long-term goals.

Retirement Planning — I can either design a retirement plan for your company or help you maximize a plan in which you participate.

Estate Planning — Through the use of the latest estate planning techniques, I can help you develop an effective estate plan that considers wills, trusts, insurance, and other vehicles to help minimize your estate taxation.

Personal insurance — I provide a full range of insurance products, including life, health, disability, homeowners, and automobile.

Tax Planning — I can help you develop strategies designed to reduce your tax burden.

I find out your goals first, then decide the appropriate course to accomplish those goals. Feel free to call if you’d like help with any of your financial needs.

Seeking a Common Goal (#0717-1451)

Thank you for your continued trust and confidence in me and my business. My commitment is to help you navigate through the vast ocean of available financial information, and I take my responsibility seriously. For example, I send you this newsletter for many reasons. The most important reason is so you can become an up-to-date and well-informed investor. If you know someone who would benefit from receiving this newsletter, please let me know. I will add that person to my mailing list.

My clients are from a variety of personal and professional backgrounds. despite the differences, each is seeking a common goal: to pursue their financial goals. However, financial goals differ for each person. This is why each client has a different financial plan.

Because of the diversity among my clients, I take the time to get to know each to determine what is important to them and what their financial goals are. We can work together to design a financial plan to help you pursue your goals in a way with which you are comfortable.

If you have any questions or if you would like to discuss your financial plan, please call.

Helping Achieve Your Financial Goals Is My Mission (#0417-1428)

With the increasing demands of daily life and growing complexity of the financial markets, more people have sought financial advisors to manage their investment and retirement needs.  They have chosen to spend their free time relaxing with family rather than enduring the stress of planning by themselves.

As your financial advisor, I am experienced in a variety of areas:
•    Retirement and investment portfolio management
•    Personal financial planning
•    Estate analysis and planning
•    Risk management and insurance

My mission is to provide personalized investment services to clients that help them meet their short- and long-term goals.  By employing a balanced approach, I allocate assets to achieve maximum portfolio performance relative to a client’s risk tolerance and liquidity needs.  I also strive to educate my clients about the investment process so they have a complete understanding of their financial plan.

I realize that seeking investment advice is an act of trust; therefore, I am dedicated to earning that trust by providing superior performance and a broad array of services to meet your needs.

I want to work with you to achieve your goals and ensure a positive financial future.  Please call if you would like to discuss your financial goals.

I’m Available to Help You (#0417-1429)

Our lives are busy and constantly changing, i.e., a new job, job loss, marriage, divorce, birth of a child, or a spouse’s death. Occasionally, your investments may need to be changed to keep up with your situation.  A financial overview will help us see where you should reposition assets to continue to work toward your short- and long-term investment goals.

I hope you are gaining something useful from reading this newsletter, because I want you to find it helpful and informative.  Did one of the articles cause you to stop and think about how you handle your finances?  If so, good, but the newsletter is not meant to take the place of personal attention.  I am always available to meet with you in person or on the phone to discuss your finances.

How Can I Help? (#0417-1430)

Which investments are appropriate for my portfolio?  Should I contribute to an IRA or Roth IRA?  How do I know when I should buy or sell a stock?  These are just a few of the questions you may ask yourself.  Today’s investment environment offers so many options that it can be confusing to decide what is right for your financial situation.  That’s where I can help.

My job as your financial advisor is to educate you about financial matters and guide you in creating and maintaining a portfolio that will help you meet your financial goals.  I am available to discuss your questions or concerns about the market or your portfolio.  I am committed to helping you stick to your investment plan and update you on your progress toward pursuing your goals.

In addition to investment planning, I offer a broad range of services to my clients.  These are just a few areas in which I can be of assistance to you:  investment analysis, executing estate planning strategies, retirement planning, education funding, pension plan review and analysis, and life insurance planning and analysis.

Please call if I can help you in any of these areas or if you have any questions or concerns regarding your investments.

Be an Educated Investor (#0417-1431)

I believe you will be a better investor by learning about investments and investment planning.  In fact, I have made the financial education of my clients an integral part of my mission to better serve them.

I attempt to meet this commitment though the use of workshops, seminars, this newsletter, one-on-one consultations, and by being available to answer your questions.

If you have any questions, even if you are not presently a client, please call.  On that note, allow me to give you something to consider.  Following is a list of some common mistakes made by retirees:
•    Thinking short term
•    Not anticipating inflation and the rising cost of living
•    Putting all your money in a single investment or investment type
•    Assuming income taxes won’t be a concern in retirement
•    Not having regular investment checkups
•    Not seeking help from an investment professional

My services include:
•    Retirement planning
•    Investment analysis
•    Estate analysis and planning strategies

Please consider me as your source for any of these financial services, and call when you need help or advice.

The Best Investment Decision You Will Make (#0417-1432)

Of all the investment decisions you will make, hiring a professional to help you work toward your financial goals may be the most important.

Whether you need a financial advisor to help you customize a financial plan for your retirement, fund your children’s or grandchildren’s educations, or plan the distribution of your estate, I take the time to understand you and your goals.

I can help you decide how to allocate your assets.  Owning just one investment is often not the best strategy for realizing your goals.  Rather, diversifying your investments helps to reduce your overall risk to volatility in the market.

By using a professional financial advisor, you can gain an understanding of how changing economic, political, and market conditions affect your particular situation.  You will then understand that changes to your portfolio are made for logical reasons.

Don’t forget, I remain committed to you and your financial welfare.  Our first meeting is complimentary and consists of a relaxed and thoughtful discussion of my services and how they can relate to your personal financial situation.

I Want You to Realize Your Financial Goals (#0417-1433)

My company was founded to provide my clients with sensible, ethical financial advice to help place each of my client’s financial goals within reach.

My philosophy is to understand your total financial position and coordinate cash-flow planning, tax planning, investment planning, employee benefits, risk management, retirement planning, and estate planning strategies.

The most important part of any financial plan is initiating it.  Let me show you ways to help start you on the path toward realizing your financial goals.

Building Strong Relationships (#0417-1434)

I believe my ability to provide you with quality financial planning advice and services is dependent on developing a strong, trusting relationship between us.  That is why I focus so much time on education: educating myself on your situation and educating you regarding various alternatives available for your financial circumstances.  I am committed to providing you with the most recent and updated strategies and products.

If you are not yet a client, I would be delighted to visit with you to establish whether or not you may benefit from services I offer.  There is no cost or obligation.  If you are interested in setting up an initial meeting, please call.

Seeking a Common Goal (#0417-1435)

Thank you for your continued trust and confidence in me.  My commitment is to help you navigate through the enormous sea of available financial information, and I take my responsibility seriously.  For example, I send you this newsletter for many reasons.  The most important is so you can become an up-to-date and well-informed investor.  If you know someone who would appreciate this newsletter, please let me know.  I will add that person to my mailing list.

My clients are from a variety of personal and professional backgrounds.  Despite their differences, each is seeking a common goal:  to pursue their financial goals.  However, financial goals differ for each person.  This is why each client has a different financial plan.

Because there is so much diversity among my clients, I take the time to get to know each to determine what is most important to them and what their financial goals are.  We can work together to design a financial plan to help you pursue your goals in a way in which you are comfortable.

If you have any questions or if you would like to discuss your financial plan, please call.

Staying in Touch (#0117-1416)

It is necessary to stay in touch with me in order to stay abreast of changes in the marketplace and to stay on top of changes in your life that may affect your financial decisions.

Years ago, the financial services industry offered fewer and less-complicated products and services.  Today, that same industry is in constant change.  Individual financial needs are changing and becoming more specialized.  Financial services companies are responding by offering more products that target certain niche clients.

This is true whether you are talking about business or personal insurance or group/individual products for retirement, health, disability, or long-term care.  For some people, it is important to review estate-planning concerns and options, while others need to consider the best alternative for financing college educations or retirements.

You should also review current insurance policies and investments to ensure that what you have is appropriate when considering your goals, objectives, priorities, tolerance for risk, and many other factors.  When was the last time you reviewed your asset allocation strategy or the efficiency of your investments?

When your life circumstances change, it is time for a financial checkup.  Do you have any new children or grandchildren?  Do you have a new job, a promotion, or a new business?  Are you ready for retirement?  Have you received a lump-sum distribution or an inheritance?  Have you recently bought a new house?  Take the time to set up an appointment to discuss any of these concerns.

Use All of My Services (#0117-1417)

Most of my clients first came to me with one specific need.  Maybe you needed help developing a retirement or education funding plan or wanted to sort out your investments.  Maybe you felt it was time to set up an estate plan or wanted to figure out how to lower your income tax bill.  Maybe you needed help analyzing different investment alternatives.

Whatever your initial reason for consulting me, don’t make the mistake of assuming I can only assist you in one specific financial area.  I provide a variety of financial planning services that encompass investment analysis, tax planning, insurance reviews, estate planning, education analysis, and retirement planning.  My goal is to help you with all of your financial concerns so you can achieve your financial goals.

Please call if you’d like assistance with any financial concern.

My Commitment to You (#0117-1418)

Although the financial services industry is constantly changing, the principles on which we were founded remain steadfast.

I remain committed to the simple tenet that the best interests of my clients must take precedence in all decisions.  From data gathering to analysis and recommendations, the guiding principle has been to ensure my clients have a clear picture of what is needed, why it is needed, and how their decisions will affect their financial picture.

Giving the client choices and alternatives when providing strategies to help meet their financial needs has been another important factor in my commitment to excellence.  A commitment to provide ongoing quality service has been the cornerstone of my business operations.  Annual reviews, this newsletter, and frequent personal contact help my clients know where they stand with their financial goals and objectives.

However, the most important ingredient in my success is the confidence and loyalty of quality clients.  Thank you for your continued support.

Where Do You Go to Learn about Financial Matters? (#0117-1419)

Confused by the thousands of available investment alternatives?  Concerned about how you will finance your children’s college educations?  Worried you won’t have the funds available to enjoy your retirement?  Angry that you pay so much in taxes every year?  Anxious because you don’t have a properly designed estate plan?

Many people I speak with want to learn more about how to handle their finances but are not sure where or even how to begin the process.  They have many questions about the financial issues confronting them, but don’t know whom to turn to for answers.

Your financial consultant should be a valued advisor you trust with your financial well-being.  Give me an opportunity to meet with you and discuss your concerns while you determine if I am someone you feel you could trust.  Did you know I offer a free, no-obligation consultation?  Please call so we can find a time that is convenient for you to go over your financial concerns.

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