ISN’T IT ABOUT TIME YOU FINALLY RECEIVED OBJECTlVE FINANCIAL HELP?
You probably already know how difficult it is to obtain objective financial help. The problem with most pre-disposed sources of financial advice is that their final recommendations almost invariably conclude with the particular product which the financial institution was originally chartered to promote.
Banks and other lenders seem to suggest the cure-all is an ” individually tailored” C. D. or savings account.
Brokerage firms abound with glittering get-rich-quick investment opportunities which rarely materialize.
Insurance companies feel that your premium payments are the safest way to achieve almost every financial objective known.
This abundance of conflicting, pre-directed financial advice simply results in confusion, indecision, imbalance and lack of coordination. This ultimately leads to sub-par financial performance and inertia.
Guidance Financial & Life Planning Services., an independent 32 year old financial consulting firm and is not owned by a bank, brokerage firm or insurance company. We know that an objective financial analysis always precedes the successful financial plan. A plan which is client goal-oriented, integrates and optimizes available resources, is balanced and coordinated. Applicable requested registered securities transactions are processed through an affiliation with Infinity Financial Services, Inc.. Since our success is a function of your success the following practical guidelines are inherent in our service.
Our service is both independent independent and therefore objective. We are a privately owned, Hawaii based firm uniquely staffed or supported by professionals from most every discipline: C.F.P.’s, C.P.A.’s, J.D.’s, MBA’s and other designations, further enhancing our objectivity.
Our service is comprehensive, encompassing and addressing all interrelated aspects of personal and/or business financial matters.
Our service is continuous and does not cease upon an initial “sale” or service as do other “financial plans.” Based upon the frequency you request, periodic updates and reviews are performed.
Our service offers implementation help in all the necessary areas which require follow-through. We have all the necessary occupational licenses in-house to put your financial blueprint into action, and/or, we can direct you to qualified outside sources. Securities and Investment Advisory services are offered through Infinity Financial Services, Inc.
Our service is confidential. As professionals our first commitment is to treat all personal and financial data we receive with the utmost care and privacy.
-OUR COMMITMENT TO YOU-
IT IS OUR PROFESSIONAL AND BUSINESS POLICY TO:
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Exert every effort to obtain and analyze information on all that affects a client’s economic or financial situation, goals and viewpoints, before any planning, implementation or recommendations occur. |
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Form only those recommendations to a client which, had we been in the client’s situation with the client’s viewpoint, we would have recommended to ourselves. |
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Recommend only those financial products that are suitable to each client’s needs; backed by financially sound organizations that have demonstrated a willingness and capacity to support their products with responsive service and goodwill. |
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Generally, any securities recommendations are for long-term capital retention and growth rather than short-term trading or speculation. |
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Remember that the least expensive is not necessarily the best, or the worst. Price is only one criterion of value. |
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Concentrate on fundamentals and not be distracted by the glamour of get-rich-quick schemes or high tax write-offs. |
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Work with client’s other professional advisors and encourage clients to establish a relationship with other appropriate advisors where none exists. |
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Always honor our commitment to existing clients before taking on new clients and activities. |
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Form a friendship while establishing a long term, long lasting relationship. |
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Continually maintain and upgrade our knowledge concerning financial and economic matters and planning techniques with particular emphasis on taxation, estate planning, real estate, tax qualified plans, employee benefits, investment and insurance products as well as other fully managed investments. To do so we use various research, analysis and study tools including: |
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INFORMATION SERVICES THE BLOOMBERG
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COMPUTER SUPPORT
Dozens of different integrated computer software analysis programs provide support including Money Tree, Ramcap Advanced Asset Allocation Software, CDA Investment Technologies, DST Vision, Orion, Kettley Publishing, Client Data Systems and those created by us especially for you, all on our own computer systems. These are integral in the processes of:
PERSONAL FINANCIAL PLANNING
ASSET ALLOCATION
RETIREMENT PLANNING
EMPLOYEE BENEFIT DESIGN
INCOME TAX PLANNING
INCORPORATION FEASIBILITY
ESTATE PLANNING
QUALIFIED PLAN ANALYSIS
CAPITAL ACCUMULATION PLANNING
BUSINESS VALUATION
COLLEGE EDUCATION/SUBSIDY PLANS
BUSINESS CONTINUATION PLANS
CHARITABLE TRUST PLANNING
INCENTIVE STOCK OPTION (ISO) MAXIMIZATION
MEDICAID ELIGIBILITY ANALYSIS & PLANNING
WHAT YOU WILL RECEIVE
The financial analysis process basically involves the translation of personal objectives into specific plans and finally into financial arrangements to implement these plans . To this end, logical steps are followed in the process. Since everyone’s situation is totally unique, an individualized arrangement and analysis is required. An initial data and get acquainted session is the necessary starting point. Then, accordingly, these processes follow in sequence:
GOALS AND PROFILE
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DESCRIPTION OF YOUR GOALS |
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PROFILE OF YOUR RISK ORIENTATION |
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PROFILE OF YOUR INVESTMENT PREFERENCES |
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INFLATION AND INVESTMENT RETURN ASSUMPTIONS |
ANALYSIS OF CURRENT SITUATION
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PRESENT POSITION-NET WORTH AND CASH FLOW |
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ALL CAPITAL NEEDS ANALYSES |
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PROJECTION OF CURRENT PATTERNS PROGRAMS AND ASSETS |
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ANALYSIS OF PRESENT INCOME TAX SITUATION |
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ANALYSIS OF QUALIFIED PLAN AND GROUP BENEFITS |
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PORTFOLIO AND ASSET ALLOCATION ANALYSIS |
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REVIEW PRESENT ESTATE LIQUIDITY AND DISPOSITION |
IMPLEMENTATION AND FOLLOW-THROUGH
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REVISED CAPITAL ACCUMULATION, RETENTION AND SAVINGS |
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INCOME REPLACEMENT AND INDEMNIFICATION |
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INCOME TAX REDUCTION INCLUDING ADVANCED TAX PLANNING |
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OPTIMAL ASSET ALLOCATION AND REPOSITIONING |
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ESTATE TAX & LIQUIDITY CONTROL WITH TRUSTS AND WILLS |
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EMPLOYEE BENEFIT PLAN ENHANCEMENT |
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BUSINESS CONTINUATION PLANNING |
COMMUNICATION SERVICES: Just as we encourage our clients to stay in touch with us, we expect to stay in touch with you. This is a dynamic economy and change is the norm. You need to be kept informed. Guidance Financial & Life Planning Services, Inc., Principals and Account Managers will stay in touch with you via . . .
PERIODIC REVIEW SERVICES: These are provided based upon the frequency and content you may desire. You receive an updated evaluation of your financial progress and standing that includes comparative:
CASH FLOW and BUDGET REPORTS
TAX PLAN UPDATES
NET WORTH AND OTHER BASIC FINANCIAL STATEMENTS
CAPITAL NEEDS AND ACCUMULATION REVIEW
ASSET ALLOCATION REVIEW AND REBALANCING
PORTFOLIO PERFORMANCE REVIEW STATEMENTS
NEWSLETTERS: are provided periodically as a subscription for all clients of Guidance Financial. This will help you stay abreast of all the latest planning techniques, innovative ideas, financial services, products and economic trends.
PORTFOLIO MANAGEMENT SERVICES: can be obtained on a fee only basis as an additional service upon request by clients of Guidance Financial Consultants, Inc.. Whether you have a lump sum distribution, a children’s education fund, an inheritance or a standing portfolio to build and manage, we stand ready to assist you using state of the art portfolio management technology, modern portfolio principles and asset allocation techniques. These are all orchestrated to bring you an optimal combination of risk and reward and performance customized according to your own set of tastes, circumstances and parameters.
FINANCIAL FORUMS: are offered periodically on topics of general interest to all clients and are also for the purpose of allowing the introduction of prospective clients to us. All clients are sent a few extra invitations and tickets to give to friends that they feel should attend. Each client is encouraged to attend from time to time in order to stay current with the dynamic changes in the economy and the industry. These topics are given in an educational fashion. The topics encompass monetary and economic forecasts, income tax planning, estate planning and preservation, real estate and investment and leasing arrangements.
MANAGEMENT AND ALLOCATION SERVICES: are screened and selected for all clients of Guidance Financial and Infinity Financial Services. Through our Investment Advisory affiliation with Infinity Financial Services a limited power of attorney can be put in place for your portfolio enabling important and timely adjustments to a client’s selected investment portfolio if requested.
MONEY MANAGER SELECTION: It can be very difficult to generate profits in today’s volatile securities markets without the help of dedicated, full-time professional asset managers. As advisors to substantial funds in pensions, trusts and individual holdings we are constantly aware of, analyzing and reviewing the performance of most of the nation’s leading professional money managers using the Envestnet, RBC, Folio investment manager screening tools. In light of your parameters, to control risk and obtain better returns through Infinity we can introduce you to those strategically selected managers whose track records have demonstrated performance which meets our stringent criteria for confidence.
CONSULTATION SERVICES: Guidance Financial’s principals and staff, are on hand to answer “what if” type questions about your financial life. What if I need a new office? Should I buy it, or should my business? If I buy a car should I finance it, lease it, or pay cash? What about when I retire? Should I take my retirement in cash, ten year forward average or roll it over into an IRA? There are a myriad of questions that need to be asked continually. We encourage you to do so and do so before you act–not after the fact!
GUIDANCE
FINANCIAL & LIFE PLANNING
SERVICES INC.
“WHEN YOU TALK,…WE LISTEN!”
Innovation, diversification and sound financial guidance are the key requirements for financial success in the next decade.