Our Services

“How many times have you said, if I knew then what I know now?”

Financial Planning Work$, Incorporated is a full services firm. We primarily operate on a fee for service basis. We span the financial concerns from bankruptcy and credit repair issues to wealth preservation. We assist in tax matters too. Our investment recommendations are broad and include cutting edge Nobel prize winning strategies utilizing institutional structured index no load funds.

"An experienced person learns from their mistakes, a wise one from the mistakes of others’.”

Sometimes clients present us with a singular limited task. Our approach is to listen to their issues (wants). Then, we diagnose the situation (what are the real needs?) Sometimes a client’s wants and needs differ. We point out these occurrences. In either event, we believe an informed consumer makes smart choices about their money. So, we educate clients as to the possible courses of action and consequences of doing or failing to take action. This takes the form of a summary report we prepare for you outlining the pros and cons. As always, clients are free to accept or reject any idea. We hate procrastination. In the words of  Yoda, "There is no try. Do or not do." Make a decision one way or the other before the facts and circumstances change. If, clients do accept an idea, then we ask you to do two more things. Schedule the task’s completion date. Assign responsibility for its completion (client, accountant, lawyer, etc.).

 “Making a living is important. Making a life is more." ~ Socrates 

We offer client meetings on annual or quarterly basis. We find it useful to prepare minutes of client meetings subject to client review and amendment. This promotes a clear understanding on a two way basis. Beyond that, it certainly precludes the senior moments we all experience regardless of age. They additionally serve a useful purpose when explaining things to other professionals, parents, spouses or children. We prepare singular reports on an hourly basis.

Hope should not be part of a strategy!

In contrast, we prepare our full financial plans on a flat fee basis. We find that clients once exposed to the process want and need fuller explanations. Eliminating the ticking clock facilitates that process. The full plans may encompass: Education, Financial Independence, Risk Management, Tax Analysis, Estate Planning (including wealth transfer and preservation) and Business Planning (including succession planning). The report consists of 20 or so pages. In addition to the above listed topics, we include cash flow statements from Quicken or QuickBooks and bank ready financial statements, a cash flow analysis (if one can stand the pain) and a tax flow forecast. We include at least one personalized appendix in support of the concepts discussed in the report. The report ends with a (Yoda philosophy) decision making page and an implementation schedule.

“Financial planning is a process, not a destination”

We encourage frequent communication and questions on any and all financial issues BEFORE one takes action. Contact us by phone or email. Proactive is better than reactive. It is far less expensive to prevent a problem than to remedy it. Besides, there is no charge for client generated phone calls lasting less than 6 minutes. We even provide a toll free number to make the call. Please ask for our ADV Part II for a list of our other fees, services and expenses.

“If you think education is expensive, try ignorance!”

We use ShareFile to transmit documents to or from us. It meets the Federally mandated HIPPA standard for identity theft protection. Inside ShareFile we created the equivalent of a 14 drawer filing cabinet electronically. All of our clients may use this to store whatever they wish.They have 24/7/365 access as well as tech support help and unattended password support.

We can selectively share your file folders with relatives, accountants, Drs. or lawyers, or whomever you wish. We can track each authorized user's use of ShareFile provided that you keep your credentials secret. Any sharing requests require a written notarized authorization.

Faith is believing in God in spite of appearances. Faith is obeying God in spite of the consequences.

last revised 10-26-2013


Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck