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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Methodology

Background

People's Financial Advisor methodology is based on the highly successful Cambridge system, developed 30 years ago by Bert Whitehead (http://www.bertwhitehead.com/), one of the nation's top financial advisors. The Cambridge system takes Nobel Prize winning Modern Portfolio Theory and applies it to the lives of middle income Americans. 

The Cambridge system uses innovative tools and decision-making rules that are much different than the standard process taught in the Certified Financial Planning (CFP) training programs. The methodology is practiced by 130 CFPs across the US, with thousands of clients in one-on-one, interactive relationships.

The Road to Financial Independence and Peace of Mind

The methodology at the core of People's Financial Advisor, as reflected in the services that we provide, is based on the following process:

Stage I - Financial Assessment

The process begins with an online chat-based interview that includes questions such as:

  • What is your estimated annual income?
  • What is the estimated market value of non-financial assets?
  • What is your estimated debt?
  • What are your estimated monthly living expenses?

Based on the data collected during the interview, People's Financial Advisor automatically analyses and calculates the financial position of the clients relative to their age and financial situation.  At the conclusion of this short interview, clients are presented with immediate calculation and visualization of their personal Financial Position (see graph below). The Financial Position analysis is based on the Cambridge Financial Life Cycle©, which illustrates the financial life stages through which people progress on the journey to financial independence. Individuals manage their money to accomplish various goals as they pass through the stages of life. The Financial Life Cycle demonstrates how middle income millionaires built their portfolios as they progressed through various financial life stages.

Example Report (PDF) Visualizing Estimated Financial Position - Click To Enlarge

Stage II - Financial Habits Analysis (Financial Plan)

Once you know your financial position, the next stage is an analysis of your financial habits. Similar to proper health habits, practice proves that adopting proper financial behavior is critical to building wealth in the long term, and dealing with financial emergencies if required. The Financial Check-up is based on an analysis of each client's financial conduct based on five key principles, otherwise known as The Five Fundamentals of Fiscal Fitness©.  

The Five Fundamentals are:

1. Save at least 10% of annual income - we will measure whether you are living within your means and how well you are balancing future needs against current ones. To fund your future needs you must save and invest at least 10% of everything you earn.

2. Have sufficient liquidity - we will measure your ability to pay bills and fund variable short term cash flow needs. This includes your ability to survive three catastrophic events within a six month period and make mortgage payments for 24 months.

3. Fully funded pensions - we will measure your utilization of qualified tax shelters.

4. Buy the right house for your budget and be a savvy real estate investor - we will assess if you own the appropriate size home and measure positive financial leverage and inflation protection. Furthermore, we will measure your diversification among three major asset classes of Interest Earning, Real Estate, and Equities.  Each class provides major economic functions:

  • Leveraged Real estate serves as an inflation protection,
  • Interest earning provides safety & deflation protection, and
  • Equities enable growth during times of prosperity.

5. Pay off credit cards and consumer debt - we will measure your consumer (or "bad") debt.

 Financial Indicators

Example Result from Financial Plan Report

Another important part of the Financial Plan is an analysis of the money you "waste" by not taking full advantage of tax shelters and more efficient investment vehicles. Maximizing the tax shelter offered by the US Government with respect to money deposited into retirement plans is the safest and fastest way to increase your wealth. Investments are also an area where great savings can be achieved. By choosing more efficient investment vehicles and reducing the costs of managing your money, you can accumulate significant wealth. The Financial Plan provides you with key advice related to tax and investment savings. Our report will indicate the huge amounts you can potentially save over one year, ten years, and until retirement.

Stage III - Financial Plan Implementation

You are responsible for implementing your financial plan. Naturally, you can consult with our financial advisors prior to taking actions. A team of experts are available round the clock to address any concern you may have or help you evaluate alternative courses of actions.