Free analysis of your financial position and issues you may need to address. Find out how much you can save through smarter tax and investment management. Yours for free. Standard cost may reach Hundreds of Dollars.

In-depth analysis of your financial position, including specific financial targets. Accumulate wealth over time through efficient tax and investment management. Yours for $195. Standard cost may reach Thousands of Dollars.

In-depth analysis of your financial position, including specific financial targets. Accumulate wealth over time through efficient tax and investment management. Yours for $99. Standard cost may reach Thousands of Dollars.

 

Schedule a private call with your own financial advisor. Walk through your financial plan, and get further advice for implementation. Pay the lowest cost available for top expert advice.

‘Fiduciary’ means the advice you get from us has only one set of priorities and benefits: your own. Financial planning based on our service is guaranteed to be free of any hidden commercial and third party incentives: we do not sell you financial products or packages, nor do we receive commissions from any financial-services company or organization. All our advisors are bound by that professional oath, like your attorney would be, for example.

We are confident that you will be completely satisfied with the exceptional value that our services provide. Nevertheless, if for any reason you are not satisfied, all of our services carry a full money-back, no questions asked guarantee.

This term refers to the method of compensation for the financial planner. "Fee-only" planners are compensated solely by fees paid by their clients and do not accept commissions or compensation from any other source. "Fee-only" planners believe there is a significant "conflict of interest" if an advisor stands to gain financially from the purchase of any product he or she recommends to the client.

This service is registered with the Securities and Exchange Commission (SEC) under our formal name FinancialAdvice4Me LLC. You can find us on the SEC website at: www.adviserinfo.sec.gov. As RIA's our business is regulated. All companies registered as Investment Advisors with the SEC receive fees - not commissions.

A financial advisor held to a Fiduciary Standard occupies a position of special trust and confidence when working with a client. As a Fiduciary, the financial advisor is required to act with undivided loyalty to the client. This includes disclosure of how the financial advisor is to be compensated and any corresponding conflicts of interest.

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Glossary

Bad Debt

Debts that destroy wealth, such as like interest on credit cards and consumer loans, are considered "bad debt."  Cars, television sets, and other electrical appliances usually decline in value as soon as you drive them off the parking lot.

The Cambridge SystemTM

The Cambridge SystemTM is a revolutionary approach to financial planning. The brainchild of Bert Whitehead, MBA, JD, it rejects the traditional approach to financial planning (including the financial plan document and asset allocation models developed for institutional investors) and instead places emphasis on the needs, including taxes and personal real estate, of real people.

Cambridge Financial Life Cycle©

The Cambridge Financial Life Cycle is a benchmark which divides your life into ten typical financial stages.  There are specific wealth building strategies for each stage and financial ratios that mark the transition from one stage to the next.  The most unreliable indicator on the Financial Life Cycle is the age range.  People can spend 50 years stuck in a stage or skip it altogether.  A divorce can move people backward and commitment to a financial plan can jump them forward.  So don't be discouraged if you're "behind" and don't get too excited if you're "ahead".

Certified Financial Planner (CFP®)

A Financial Planner is a person who sets up financial plans for individuals.  A Certified Financial Planner is a person who has passed a series of examinations, achieved at least three years industry experience, and met all other statutory licensing requirements.  The CFP mark represents the highest designation attainable in the field of Financial Planning.

Early Accumulation

The Early Accumulation stage is the point on the Cambridge Life Cycle where your net worth exceeds your annual income. This typically occurs between the ages of 30 and 40. This is the stage where basic investment begins.

Fee Only Service

This term refers to the method of compensation for the financial planner. "Fee-only" planners are compensated solely by fees paid by their clients and do not accept commissions or compensation from any other source. "Fee-only" planners believe there is a significant "conflict of interest" if an advisor stands to gain financially from the purchase of any product he or she recommends to the client. 

Fiduciary Relationship

A financial advisor held to a Fiduciary Standard occupies a position of special trust and confidence when working with a client. As a Fiduciary, the financial advisor is required to act with undivided loyalty to the client. This includes disclosure of how the financial advisor is to be compensated and any corresponding conflicts of interest. 

Financial Liquidity

Financial Liquidity (sometimes called “cash on hand”) is money ones can use immediately without any penalty to pay bills.  Money in checking accounts, savings, money markets or CDs maturing in less than 18 months are examples for liquid assets.

FIPOM

Financial Independence and Peace of Mind. This is the destination - People's Financial Advisor provides you with the vehicle to get there.

Functional Asset Allocation

The premise behind this concept is that each asset category serves an important function or purpose in people's lives, and that understanding these unique functions allows the use of assets to be optimized. Real estate, in the form of the personal residence, is a prime example. It usually represents the largest and most profitable investment a family has, provides the best protection against inflation, and adds value beyond a financial calculation because of the personal enjoyment derived from its use.

Good Debt

"Good debt," like a 30-year fixed rate mortgage and student loans, helps you build wealth. Your house and education will grow in value as the debt disappears.

NAPFA

NAPFA, the National Association of Personal Financial Advisors, is the nation's leading organization dedicated to the advancement of Fee-Only comprehensive financial planning. Consumers and the financial trade media look to NAPFA for access to financial advisors who meet the highest standards for professional competency, comprehensive financial planning and Fee-Only compensation.

Net Worth

An aggregation of the value of all assets, including cash, less total liabilities.  Commonly defined as "all that you own less all that you owe."

Rapid Accumulation

The Rapid Accumulation stage is the point on the Cambridge Life Cycle where your net worth is three (3x) times your annual income. In this stage you reach the point at which the income from your investments exceeds your annual savings, and your

Net worth tends to grow exponentially. This typically occurs between the ages of 40 and 55.

Registered Investment Advisor (RIA)

This service is registered with the Securities and Exchange Commission (SEC) under our formal name FinancialAdvice4Me LLC.  You can find us on the SEC website at: http://www.adviserinfo.sec.gov/IAPD/Content/Search/iapd_OrgSearch.aspx.  As RIA's our business is regulated.  All companies registered as Investment Advisors with the SEC receive fees - not commissions.

Tax Shelter

Tax shelters are legal methods for reducing taxable income resulting in a reduction of payments of State and Federal taxes and an increase of individuals’ wealth.  A major example for a tax shelter is a retirement plan such as 401k.  Taxes on money put aside in such plans are not taxed until retirement.  The advantage of contributing to such plans is that money that would have been taken out as taxes is compounded in the plans until the funds are withdrawn.