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Personal CFO Services

     Personal CFO
In her capacity as a Personal CFO, Holly acts as a Master Chef in selecting and combining the elements of each client’s financial plan.
The Master Chef?
A simplistic but useful way to look at the approach we take to working with clients is to see our work as similar to that of a professional chef.
 
We work with each client to plan a “menu” that includes the elements that are right for them.
 
Then we may select a proven “personal shopper” to find the very best of each item on the menu.  One “shopper” might select the best bonds within the parameters we’ve specified. Another might identify mutual funds that best fit our specifications.
 
Sounds simple.  But putting together exactly the right elements for each client takes the financial equivalent of  –  well – Julia Child.

 
Here are some of the many ways in which we support the effort of our clients to achieve their goals – and have the freedom of making the choices that are right for them:
Regular reporting and meetings ensure that you have ongoing insight into your financial picture.  Meeting with your advisor is essential, ensuring that any changes in your life, your risk tolerance, your job, your marital status or other important changes are factored into your financial plan.
 
First question:  Where are you now?
We begin by pulling together all the financial pieces of an individual’s life – or the life of a family or small business – as they exist today (insurance, pension, savings, investments, home, business, etc.)
Next question:  Where do you want to be?
With a clear picture of where you are now, the next step is to help you identify specific and measurable goals, both personal and financial.
 
Given what we know, how will you get there?
With a baseline in place and your goals established, we work with you to put together a plan that best fits your unique needs.  For example, how much risk is appropriate?  What about tax planning? How close are you to retirement?  These and many other factors affect the planning process, which might include:
 
  • Investment analysis and recommendations
  • Pension and 401(k) election decisions
  • Life and Long-Term Care insurance analysis and recommendations
  • Retirement readiness analysis
  • Specific planning concerns for corporate executives and business owners
  • Advising employee benefit plan participants
  • Buying a home (purchase, financing, mortgage payoff, refinancing, etc.)
  • Advanced stock options, restricted stock, nonqualified deferred compensation
  • Questions to ask your Estate Planning attorney


How will we measure progress?
Regular reporting and meetings ensure that you have ongoing insight into your financial picture.  Meeting with your advisor is essential, ensuring that any changes in your life, your risk tolerance, your job, your marital status or other important changes are factored into your financial plan.
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