Comprehensive Service
When we say that we become your personal CFO, we mean it. During the first 12-18 months of your relationship with JPH Advisory Group, we will literally go through your entire financial life. The first step is always to start with the investment design and plan, from which we will create an investment policy statement. Once that is in place, we then prioritize the rest of your financial life as to other issues that need to be addressed. This includes the following:
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Risk Management – Life insurance (remember, we do not sell life insurance), health insurance, disability insurance, long-term care, auto and home, and umbrella policies.
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Estate Planning – We take a look at all wills and trusts that are currently established and obtain third party expert opinions if needed. We can then present to you what you have in place, what it will and will not do, and make full recommendations based on your goals.
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Debt Management – Review all your debt to make sure it is tax efficient and at the lowest cost and as flexible as possible.
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Stock Options – We will review your stock options and create a plan of how and when to exercise them, at the least amount of risk and tax consequences.
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Education Needs – We’ll determine the best and most effective way to save for the educations of your children or grandchildren, given your particular financial situation.
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Retirement Planning – We do not take a “cookie-cutter” approach. We try to understand clearly what your goals and needs are, and produce a multi-functional retirement option depending on lifestyle, income needed, and time frame.
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Tax Planning – All of the above information will have to be coordinated with tax planning to make sure you’re effectively paying the least amount of taxes legally possible. We work closely with your accountant to assure this goal.
The process outlined above will take 12 to 18 months. We will work with a number of other professionals (lawyers, accountants, etc.) to provide you with the proper expertise to give you the correct advice. We will review each of these items independently on an ongoing basis, to make sure that the strategies in place still fit your goals.