Financial Planning Advice for Baby Boomers and Retirees…
Live the Life you Have Imagined!
845-638-6505
Learn from my experience…not your mistakes!
Learn from my experience…
not your mistakes!
Pursue your passions and let a retirement planning expert secure your future, save you time and save you money.
Work with me as a fiduciary advisor, mandated to put your interests first and avoid commissioned conflicted bank representatives, stockbrokers and insurance salesman who are not fiduciaries.
Managing retirement is no easy task. Coordinating all your various savings, investment and retirement accounts, social security, pensions, IRA & 401k required minimum distributions is just the beginning.
- Safe and reliable income from your savings, IRA and 401k
- Answers to the big question… Will my money last through retirement
- Protection from interest rates falling when costs are rising
- Increased income when interest rates go higher
- Avoid Medicare tax penalties on Part B and D that can increase the cost by 3.4 times
- Reduced income taxes
Are you on the right retirement financial path?
Let’s discuss what’s important to you. I’ll listen to everything you’ve shared, give you my thoughts and we can decide if it makes sense to work together in achieving your goals.
Profit from my experience helping people throughout the United States create and maintain their wealth for more than thirty years.
About Keith
Thirty plus years of experience in my profession, numerous advanced degrees, certifications and designations has enabled me to gain a tremendous amount of wisdom. My comprehensive, disciplined approach to financial planning has helped my clients achieve the financial freedom they desire, enriched their families lives and enabled them to fulfill their lifelong goals and aspirations.
Identify, Establish & Prioritize Goals
Financial Planning is about achieving your hopes & dreams
Gather Personal and Financial Data
To understand your present circumstances and assess your situation
Analyze & Evaluate Financial Data
Determine what options make sense and are feasible to meet your goals
Our Approach
Utilize our proven process to guide you through all stages of your retirement planning
Create a Plan
It’s now time for us to create your roadmap to show you how you can achieve your specific goals.
Implement the Plan
We never try to do everything at once and will proceed at a pace you’re comfortable with
Review & Monitor
the plan
Monitor your progress over time and making necessary revisions as your life changes
Frequently Asked Questions
Can you help me?
We are able to provide assistance to those individuals we accept as clients in the following major areas:
- reducing income taxes;
- creating a strong financial foundation;
- reducing investment risks;
- enhancing expected long-term returns;
- reducing the total fees and costs relating to your investments;
- protecting assets from Medicaid; and
- ensuring your wealth goes where you intend with minimal tax loss upon death .
What types of clients do you work with?
- Busy professionals including doctors, dentists, attorneys, small business owners, and union members with pension and retirement savings plans who don’t have the time or knowledge to maximize their financial opportunities while minimizing their risk,
- Individuals and couples that want guidance and help preparing for the financial ramifications of retirement,
- Retirees who want to protect their hard-earned savings and still provide the necessary income to maintain the lifestyle they’re accustomed to,
- Retirees who want help coordinating all their different retirement and savings accounts into a monthly income in the most tax efficient manner possible.
Where do I begin?
We recommend starting with a brief phone call to understand why you’re looking for help with your financial planning and, if we agree we can be of help to you, we’ll schedule the first meeting with you.
Our primary goal in the first meeting is to gain a better understanding of your goals, objectives, time horizon, personal beliefs, investment experience, and appropriate level of risk to meet your goals. At the conclusion of this meeting, if we mutually agree that we can meet your planning needs, we’ll formalize the engagement by signing an agreement for services.
What Is a fiduciary?
Complete Financial Planning, Inc. is an Independent Registered Investment Advisor and has a fiduciary duty to our clients. The differences in the fiduciary responsibility of a Registered Investment Advisor and a stockbroker are as follows:
Independent Registered Investment Advisors (RIAs) are held to a higher standard than stockbrokers when it comes to putting investors’ interests first and doing the right thing for their clients’ investments.
Independent RIAs have a fiduciary duty to their clients which means they must:
- Act in the best interest of their client
- Identify and monitor illiquid securities
- Employ fair market valuation procedures where appropriate
- Observe procedures regarding the allocation of investment opportunities
- Have policies regarding affiliated broker-dealers and maintenance of brokerage accounts
- Disclose all conflicts of interest
- Have policies on use of brokerage commissions for research
- Have policies regarding directed brokerage, including step-out trades and payment for order flow
- Abide by a code of ethics
Unlike a Registered Investment Advisor, stockbrokers establishing a brokerage account must prominently disclose:
Your account is a brokerage account and not an advisory account. Our interests may not always be the same as yours. Please ask us questions to make sure you understand your rights and our obligations to you, including the extent of our obligations to disclose conflicts of interest and to act in your best interest. We are paid both by you and, sometimes, by people who compensate us based on what you buy. Therefore, our profits and our salespersons’ compensation may vary by product and over time.
