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Financial Services Offered

How We Work

Professional Planning’s objective is to help clients position their assets and discretionary income into productive investments. Our aim, based on a client’s objectives, is to reduce risk to invested capital while seeking long-term capital growth. Professional Planning endeavors to satisfy clients’ goals through research, understanding each client’s risk tolerance and adjusting for changes in the market and changes in clients’ lives. Our business model targets reviewing a client’s portfolio on a regularly scheduled basis.

Wealth Management

As a Registered Investment Advisor and using the Fidelity Institutional Platform, we invest client funds with the goal of having client reviews every two to three months. Our investment advice and direction is aimed at helping clients towards achieving their financial goals as well as educating clients as to the what, and why of the market and the economy.

Retirement Planning

The goal for retirement should be to maintain a standard of living commensurate with clients’ desires and needs, even in the face of ever-increasing cost of living. Professional Planning approaches retirement planning for clients by identifying and funding for a specific and comfortable amount of net annual retirement income.

Financial Planning

Everyone’s plan is unique. It may or may not include all the contents indicated below and may vary in subject matter. A financial plan may include collaboration with other professionals such as an estate planning attorney and accountant.

Insurance Needs

Professional Planning’s purpose for studying clients’ insurance needs is to identify major economic risk exposure such as – premature death, disability, medical expense, outliving one’s income and long term care. In this manner, risk is reduced so that one’s financial plan will not unravel through unforeseen catastrophe. Further, unwarranted expenditure for unnecessary or inappropriate insurance coverage could be used for asset accumulation.

Funding Future Goals

Funding for a child’s education, a vacation home, a future business, retirement and other goals can be planned for when goals are clearly defined and money is set aside regularly. One may set aside a lump sum, or have a systematic plan of periodic savings or investment. If a fixed amount is allocated, one must know what return is needed to reach a specific goal by a specified time. Professional Planning assists clients to define their goals and to execute a plan to achieve those goals.

Please Note: The scope of any financial planning and consulting services depends upon the terms of the engagement and the specific requests and needs of the client (financial planning is generally provided per the terms of a separate agreement and fee). Professional Planning does not serve as an attorney, accountant, or insurance agent. Professional Planning does not prepare legal documents or tax returns, nor does it sell insurance products. If the client desires, one of Professional Planning’s representatives, in their separate individual licensed capacities, can be engaged to be provide insurance sales/services as described on Professional Planning’s written disclosure Brochure, per the terms and conditions of a separate engagement and fee.