Jersey Shore Financial Advisors LLC

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Do you need me?

If you can truthfully and confidently answer yes to all of the following questions congratulations!  You do not need me.  Otherwise click "Book a Meeting" and lets get started changing your "no" responses into "yes."

Cash flow

  • You pay your credit card bills in full every month all year.
  • You can identify your total monthly expenses to within $100.
  • You have not refinanced your mortgage or used a line of credit to pay down debt in the last 5 years.

Income tax

  • Your tax advisor continuously suggests ways to pay less income tax.
  • You are sure you are paying your fair share of income taxes and not a penny too much?
  • The Federal income tax amount I owe or is refunded to me is within $500 every year.

Risk management

  • You (and your siblings) have discussed, decided and agreed upon who, where & how you will take care of your aging parents. Your spouse has done the same for his/her parents.
  • You know exactly how you will replace lost income if you or your spouse becomes disabled or die?
  • Your property & casualty insurance has been reviewed for appropriate coverage at acceptable price within the last 9 months.

Estate planning

  • You have a written document appointing someone to make decisions on your behalf in the event you are unable to make your own medical decisions.
  • You are positive your assets will be distributed according to your wishes in the most tax efficient and cost effective manner.
  • You have considered including charitable bequests in your estate plan.

College funding

  • You are 100% positive your child will receive a scholarship (academic or athletic) to attend the school of his or her choice.
  • You have identified how much your children’s college education will cost.
  • You have decided how much of that cost you will provide.
  • You have identified how much you must save every month to accumulate the amount identified above.
  • You are saving that amount.

Investment management

  • You know what rate of return you need to reach your investment objectives.
  • You have a clearly defined investment program that is appropriate for your risk tolerance.
  • You are satisfied you know how much you are paying for money management services.

Retirement planning

  • You know how much you can expect from Social Security at your earliest retirement date.  At your expected retirement date. And every date in between.
  • You know how much savings you will need to generate sufficient income to support your lifestyle throughout retirement.
  • You have a conservative estimate of your living expenses during retirement adjusted for future inflation.
  • You have a plan for dealing with the potential costs of long term care.

Career Planning

  • You (and your spouse) have updated your resumes in the last 6-9 months.
  • Your supervisor has discussed with you the next step in your career progression including the things you must learn or improve upon.
  • You believe your career progression as outlined by your company will play out as planned.

Philanthropy

  • You have made a conscious choice to include or exclude charitable giving as a part of your estate plan.
  • You are currently supporting one or more charities on a planned basis (not haphazardly giving small amounts).
  • You have been in contact with the planned giving office for your chosen charities.
     

For a free, no-obligation consultation click the “Book a Meeting” button on the right.

Thomas J Duffy, CFP®, MBA is a NAPFA registered fee-only financial advisor.  The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve. Since 1983, Americans across the country have looked to NAPFA for access to financial professionals who meet the highest membership standards for professional competency, client-focused financial planning, and Fee-Only compensation.

Jersey Shore Financial Advisors LLC is a registered investment advisor in the State of New Jersey. Jersey Shore Financial Advisors LLC may only transact business or render personalized investment advice in New Jersey and international jurisdictions where we are registered/filed notice or otherwise excluded or exempted from registration requirements. The purpose of this video is for information distribution on products and services. Any communications with prospective clients residing in states or international jurisdictions where Jersey Shore Financial Advisors LLC is not registered or licensed shall be limited so as not to trigger registration or licensing requirements. Financial Advisors LLC is a registered investment advisor in the State of New Jersey. Jersey Shore Financial Advisors LLC may only transact business or render personalized investment advice in New Jersey and international jurisdictions where we are registered/filed notice or otherwise excluded or exempted from registration requirements. The purpose of this video is for information distribution on products and services. Any communications with prospective clients residing in states or international jurisdictions where Jersey Shore Financial Advisors LLC is not registered or licensed shall be limited so as not to trigger registration or licensing requirements.

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