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Financial Planning:
Financial planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a home, saving for your child's education or planning for retirement.
The financial planning process consists of six steps that help you take a "big-picture" look at where you are financially. Using these six steps, you can work out where you are now, what you may need in the future and what you must do to reach your goals.
The process involves gathering relevant financial information, setting life goals, analyzing and examining your current financial status, developing and coming up with a strategy or plan, implementing the plan recommendations, and monitoring the plan to meet your goals given your current situation and future plans.
The Benefits of Financial Planning:
Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. For example, buying a particular investment product might help you pay off your mortgage faster or it might delay your retirement significantly. By viewing each financial decision as part of a whole, you can consider its short and long-term effects on your life goals. You can also adapt more easily to life changes and feel more secure that your goals are on track.
How to make Financial Planning Work for You:

You are the focus of the financial planning process. As such, the results you get from working with a financial planner are as much your responsibility as they are those of the planner. To achieve the best results from your financial planning engagement, you will need to be prepared to avoid some of the common mistakes by considering the following advice:

  • Set measurable financial goals.
  • Understand the effect of each financial decision.
  • Re-evaluate your financial situation periodically.
  • Start planning as soon as you can.
  • Be realistic in your expectations.
  • Realize that you are in charge.
Our Services:

The service is focused upon comprehensive review of the financial plan and/or specific areas of the client's financial or investment situation. At the request and upon agreement of client, we will provide financial planning and consultation services designed to provide client with a coordinated, individualized, written Financial Plan Report and/or consulting services consisting of a review and analysis of client's present investments, financial goals, risk management, and other client's specific issues.

We assist clients through a structured process to develop their financial plan. This process usually involves activities involving planning and counseling in one or more financial areas, including (but not limited to):
  • Cash Flow Management: Review of current cash flow and debt management.
  • Investment Review and Evaluation: Analyze client's investment objectives, time horizon, risk tolerance, current investment, liquidity needs, income tax considerations, and diversification.
  • Retirement Planning: Review and analyze client's current retirement plan, goals, and objectives. Help create a strategy to give client guidance and how client will be able to retire, remain in retirement, and create total financial independence.
  • Insurance (Risk) Planning: Analyze all or part of client's insurance needs, proper titling, and positive or negative effects on estate tax liability. Type of insurance includes reviewing life, disability, long-term care, liability, home, and auto coverage.
  • Tax Planning: Review taxable strategies that might help client reduce or better understand their current and future taxes.
  • Estate Planning: Review your current estate planning documents, discuss estate tax saving strategies, and assist in implementing estate planning recommendations with your attorney.
  • Employee Benefits Plan: Review of compensation and benefit packages; including health plan, life insurance plan, 401K plan, and stocks options offered by employer.
  • Education Planning: Assist in planning for these future outlays by analyzing your overall financial picture and identifying resources to use for this purpose. Our analysis will determine the appropriate amount to set aside each year to fund your children's education, and the correct benefits to meet this goal.
  • Review of Annual Plan Progress: We review client accounts annually in response to significant changes in conditions (for instance, a major change in relevant securities markets or the tax laws).

As your professional financial planner we can take a "big-picture" view of a your financial situation and make financial planning recommendations based on the needs in areas such as budgeting and saving, taxes, and insurance planning. We can help you evaluate the level of risk in your investment portfolio or adjust your retirement plan due to changing family circumstances. We play an active role in decision-making.

If you're interested in working with a CERTIFIED FINANCIAL PLANNER™ (CFP®) , please complete the Registration Form below or Please Call (732) 521-3040 or e-mail: to setup a confidential consultation.
Securities, Mutual Funds, Investment, and Insurance Products:
Not FDIC Insured or any Federal Government Agency May Go Down or Lose In Value Not a Deposit or Guaranteed by the Bank or any Bank Affiliate
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Financial Planning Investment Advisor Services Retirement Planning
Estate Planning Tax Planning Annuities
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