If you’re in the market for a financial advisor, you might come across people with titles as confusing as “certified retirement plan consultant”,“chartered college planning specialist” or “retirement management analyst.” After all, financial advisors depend on convincing clients of their reputation. As a result, there are over 50 different job titles to describe people who […]
Read moreYou’ve got an unconscious program running in the deepest recesses of your brain that’s telling you what to think, feel, and do with money. Very few people control it or know how to harness it to achieve their goals. (In a moment, I’ll tell you how you can.) People think financial advice is all about […]
Read moreThe more you know about how advisors get paid—and how that can affect their advice—the better. How does your financial advisor get paid? The answer may have a direct impact on your portfolio’s performance over time. The type of compensation your advisor receives can affect the advice they give and the products that they recommend. […]
Read moreAs a fee-only financial advisor, I am a firm believer in the fiduciary standard. It’s something that is tighten woven into my fiber and is a cornerstone of my fee-only financial planning practice. It’s the only way I will practice financial planning. I suppose some of you may not be aware of the fiduciary standard […]
Read moreWhat are you saving and investing for? Why are you working so hard to save money and put it into special accounts like 401(k)s and IRAs? Why should you divide that money between stocks, bonds and other “investments” you’ve never actually touched or even seen with your own eyes? What are you really trying to […]
Read moreHolistic and Fee-Only I chose to be a holistic financial planner who charges on a fee-only basis. The holistic part means I work with my clients on all aspects of their financial situation including retirement planning, portfolio analysis and investment planning including specific strategies and recommendations, insurance planning, estate planning, budgeting and cash flow, tax […]
Read moreThere is much more to financial planning than standing by watching the market go up and down every day. In fact, if we are keeping our financial house in order, then the market does not seem so scary. Research tells us that over time, if we properly allocate our investments to align with our goals […]
Read moreWhen you get sick and visit a doctor, it’s fair to expect your doctor to design a treatment plan that serves your best interests. When you meet with a lawyer, you can assume that he or she puts your best interests first when providing legal advice. Why can’t you expect the same from your financial […]
Read moreAs you get older, busier and hopefully wealthier, your financial goals get more complicated. A financial helper can save you time. Like every service provider, a financial advisor is paid for doing their job. However, they don’t all get paid the same way. A fee-only advisor is paid directly by the client on a transparent […]
Read moreShore Financial Planning is a fee-only financial advisor based in Monmouth Beach, New Jersey. As a fee-only/commission-free/flat-fee financial planner, I do not sell products or collect commissions. I am a fiduciary financial planner that specializes in tax-focused planning as a CERTIFIED PUBLIC ACCOUNTANT (CPA), and CERTIFIED FINANCIAL PLANNER™ CFP® professional. I serve clients in New Jersey and remotely throughout the U.S.A.