Preparing for the future is as much about identifying market trends and understanding your customer base as it is about knowing where you’ve been. Healthy growth requires experience and a fundamental understanding of the nuances of your business. It’s your baby, after all, and is a reflection of your drive, passion and planning. You hope […]
Read more“If I could get you into this car for just $400 a month, would you buy today?” ← The cheesy used car sales guy. (Of course, you don’t know that he’s got incentives, back-end payments, and financing charges hidden in that price, or that the car he’s trying to sell you has a salvage title.) […]
Read moreWhen you buy life insurance, there are essentially two types: term and permanent. Term life insurance is very simple. You pay a (typically) small premium for financial protection that lasts a specific amount of time, typically 10-30 years. It is pure insurance. The only potential benefit is the payout upon death. And in my opinion, […]
Read moreAs the year starts, this is the time where you focusing on what should be done for the next 12 months and how these steps align with the financial planning process and goals. As you know, a new year comes this expectation that we have ‘resolutions’. This means in our quest to start anew, we […]
Read moreIf 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 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 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.