As an Investment Advisor in Suburban Philadelphia, Martha provides retirement plan counseling through seminars and presentations that retirees of major corporations and small businesses have attended.Clients wishing to develop a life plan to enhance their financial well-being now and strategies to provide a personal pension to enhance their leisure years seek her counsel. Whether a 20 something college grad orthose embarking on a retirement jouney she works with you to develop your plan. You too will concur that when you "Plan Well, you LiveWell! Call, e-mail or fax a request for a "Get Aquainted Meeting" to discuss your personal goals and dreams and develop your game plan.
Martha received a B.S. degree in business from Gwynedd Mercy College, and has done graduate work in Finance at DeSales University, Boston University and College of Financial Planning.She has served as Director and Vice President of the Horsham Chamber of Commerce, Director of the Horsham - Willow Grove Chamber of Commerce, Director of the Horsham Rotary, past- President of the Hatboro-Horsham Education Foundation and Chair of the Suburban Chamber of Commerce.
A financial plan is a roadmap to help you achieve your goals and objectives. It starts with where you are currently, and outlines specific actions you need to accomplish to get where you want to be. Below are outlined specific segments that may be part of your financial plan and addressed in your personal financial planning report.
Current Financial Status and Information:
Net worth statement listing your assets and liabilities. Gives you an overall
picture of your current net worth.
Cash flow statementlisting your income and expenses. Helps with budgeting,
and with determining your current and future income needs.
Current portfolio analysis - Detailed investment analysis, showing your asset
allocation, historic return, and variability (standard deviation). Helps
determine if your current investments are appropriate for your objectives and
Retirement Capital Needs analysis, reports and graphs.
Helps those still working and those already retireddetermine their retirement
needs so they can appropriatelysave and invest for retirement. The reports
and graphs canbe run multiple times, based on different scenarios. For
instance, you may want to compare retiring at age 60 vs. retiring at age 65.
Two alternative retirement planning scenarios can be included in each plan.
Monte Carlo Simulation report and graph illustrates the effect that the variation
of rates of return can have over time on your retirementinvestments.
One thousand simulations are run, illustrating both bull and bear markets.
These simulations provide an estimate of your chances for meeting your
retirement goals, and can help you establish a more realistic retirement plan.
Stress Testing of your plan. Back Test the plan to a specific year; for example
this answers; “Would my plan work if I had retired in 2000?” Or “How would
my retirement have fared if I had the bad timing of retiring just
when the market had begun a major downturn?
Insurance Planning; including Life, Disability or Long-Term Care
Summary review of your disability insurance, long-term care insurance, life
Review of liability limits on your home and auto insurance. This is not an in-depth
analysis of your insurancecoverage.
Estimated life insurance needs, now and in the future.
Recommendation on the type of life insurance (i.e. term, whole life, variable
universal life) which would be themost appropriate.
Referral of No Load/Low Load insurance agency.
College Cost Estimate based on specific college.
Projections of the savings rate necessary to reach your college
funding goals, based on your objectives.
Informative material on several options for college savings, and
the advantages and disadvantages of each. Includes information
on the tax-advantaged college savings plans such as Savings Accounts,
Section 529 savings plans and certain saving bonds.
Specific recommendations regarding investments for your college and other
General information on estate planning, including wills,
trusts, living wills, powers of attorneys, etc.
Estimates of your estate tax liability, both in the current year
and in future years.
Suggestions of strategies to eliminate or reduce your potential
estate tax liability.
Specific investment recommendations that are suitable for your risk tolerance
and retirement goals, along with estimates of the amount you should be saving.
Overall Target Allocation, plus recommendations based on your specific
retirement plans and accounts.
If needed, suggestions on how to reduce expenses and pay off debts.
Other general suggestions pertaining to items such as disability insurance,
long-term care insurance, home/auto insurance (liability only), checking and
savings accounts, emergency funds, etc.
Your completed financial plan is presented and explained to you. This
presentation meeting can be up to two hours in length.