Our Firm

Financial Planning Alternatives, Inc

We are an independent company with the ability to deliver a broad range of financial services to solve your needs and accomplish your goals.

Helping You Chart Your Course

Financial Planning Alternatives (FPA) has the experience, knowledge and the objectivity necessary to help you evaluate your current financial position. Our professionals will help you develop goals keyed to your personal needs and desired and recommend the best strategies for achieving those goals.

A financial plan includes evaluation of your present tax situation, investments and cash management. It also takes into consideration estate planning, your plans for retirement, education for your children and risk management.

FPA can implement the strategies you select, and work with other members of your financial team to coordinate your financial plan.

We will work closely with you to recommend programs that when implemented will bring you benefits you desire.

Your Financial Plan

Financial planning begins with in depth fact gathering. You and you planner will review such information as tax returns, current investment portfolios, wills contracts, and insurance policies. You and your planner will discuss this data, your financial goals and general attitudes toward finances. Once goals have been set and prioritized, FPA will assist in implementation of your plan by suggesting the products best suited to your plan.

Plan for the Future

The demands of keeping up with your profession may be taking the time you should spend analyzing your financial situation and planning for the future. That’s the case for most business owners and many people in high income brackets. Ironically, these are the people who have the most to gain from a detailed plan prepared by FPA.

Development of a Financial Plan

How is your personalized financial plan developed?
During the initial phase of plan development, the “Discovery“ process, we work with you to determine your concerns, goals, needs and investment comfort level We also review your resources and accomplishments to date. With this information, we will prepare an (accomplishment profile) which compares your total savings and investment program to your concerns and goals, whether it is your children’s education, a comfortable retirement or that boat you’ve been thinking about.

Finally, we will make appropriate recommendations on how to solve your needs and accomplish your goals.

The Financially-Related Areas We Review in the Course of Plan Developmentfor Personal Planning Include: 

• Insurance planning
• Income taxation
• Investment Planning
• Risk management
• Accumulation
• Retirement planning
• Estate planning

Benefits From Financial Planning
BUSINESS OWNERS CAN EXPECT:

  1. Reduced Tax Payment
  2. A financial plan guaranteeing the owners a secure retirement
  3. Better employee retention and morale

 INVESTORS CAN EXPECT: 

  1. Creative ideas to dramatically increase portfolio yield
  2. Reduce taxes on investment earnings
  3. To understand how proper diversification can provide safety and increase yield.

 FAMILIES CAN EXPECT: 

  1. To have more case available to accomplish dreams and goals
  2. To pay less in taxes
  3. Solutions to education funding
  4. To Remain in their own world” should death or disability strike the breadwinner. 

 THOSE NEARING RETIREMENT CAN EXPECT:

  1. A strong retirement income guaranteed to last as long as you live.
  2. A plan to allow a smooth and efficient transfer of estate assets to loved ones.
  3. A plan to provide retirement benefits to your spouse.


The Questions of the Financial Plan
The best way to systematically strive for financial independence is to develop and implement a coordinated financial plan which encompasses all aspects of your financial llife. FPA can assist in the development and implementation of your plan.

We are truly oriented to your goals. We center our analysis around your feelings regarding these six questions: 

  1. Do I want a better hedge against inflation?
  2. Do I want to reduce my tax burden?
  3. What level of risk am I willing to accept?
  4. How much ready access to my money do I want to maintain?

Use of Capital

  1. What do I earn? Am I happy with what I’ve saved?
  2. What potential benefits do I want for my family or business now, and in the future?


Design Solutions for your Financial Plan

The types of products and strategies which may be appropriate and useful in addressing your financial plan include: 

 Implementation:
To use your financial resources wisely, time can be your ally. Procrastination is undoubtedly your most harmful enemy when it comes to achievement of your financial goals.

No matter how thoroughly the work is done, the creation of yor financial plan is only half the job. That effort may serve no purpose if your plan is not implemented. Turn the key to success, implement your plan!

The Key to Success

Keeping in touch
Your financial planner will continue to serve as an advisor, keeping you abreast of changes in the financial world that may have an impact on your plan. Your planner also will be available to answer your questions and offer advise.

Give us a call to find out more about FPA and how we can help you accomplish your Financial Goals.

 

  • Mutual funds, Stocks, and Bonds
  • REIT’s
  • IRAs/TSA’s/Simples/Roths
  • Variable and Fixed Annuities
  • Life Insurance
  • Professional overhead expense protection
  • Business Buyout plans
  • Business Pension and profit sharing plans
  • Defered compensation plans
  • Executive Bonus plans
  • Income tax services
  • 1031 exchanges