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FAQs

• What is a financial plan?

  Financial planning is simply taking control of your financial life and working toward realistic goals. A plan can help you live within your income, spend wisely and save more effectively. In simple terms, the purpose of a financial plan is to provide for the accumulation and conservation of your assets.

• What do you offer?

  I design financial strategies for individuals and businesses. I can help you develop a comprehensive plan and work toward meeting specific goals in areas such as:
  • Retirement
  • Estate planning
  • Educational funding
  • Investment management
  • Business continuation
  • Employee benefits
  • SERPs
  • Split dollar
  • Disability

• What process do you use in your work?

  I begin by helping clients establish their goals. These goals are quantified with dollar amounts and time horizons and plugged into a financial model that encompasses risk tolerance, taxes, costs, and diversification. I help clients implement, monitor and review the plan.

• Who are your clients?

  My services are attractive to a wide variety of sophisticated clients, including the owners of businesses, professionals, and highly compensated corporate executives. My clients tend to be extremely busy career-oriented individuals who respect the professional attention and time I can devote to their financial affairs.

• How do we get started?

  While each client's needs are unique, the basic planning process includes:
  • A statement of goals
  • A risk profile
  • An income statement
  • A balance sheet

• How am I compensated?

  I am paid in one of two ways, depending on the client's situation:

  Fee only: For planning, I charge a flat fee on a project basis. Investment management fees are charged on a percentage of assets basis.

  Fee offset: I offset the fees for the planning process against commissions from the sale of financial products.

Mr. Stumm is a Registered Representative with and offers securities and financial planning through LPL Financial, Member FINRA/SIPC, A Registered Investment Advisor. 10 Langley Road, Suite 301, Newton Center, MA 02459-1972. (617) 795-2905.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP™, CERTIFIED FINANCIAL PLANNER™ and in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

© 2007 J. Hans Stumm