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What is the likelihood you can achieve financial
independence?
Government research has shown that for every 100 people
who start their careers...
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29 die before reaching age 65;
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68 reach age 65 with median annual incomes of less than
$26,000; and
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only 3 reach age 65 with annual incomes over $26,000.
None of these people started out to fail
financially. Yet, according to facts, most did. They didn't plan to
fail...they failed to plan.
Our professional planners can help you achieve the
financial independence you need. Cash management, retirement planning,
investment planning, tax planning and estate planning are only a few of the
personal services we provide. And you can count on us to help you modify
and maintain your financial plans as your needs and goals change.
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Many
Professionals Offer "Financial Advice"
Today, consumers are faced with more choices in
purchasing financial products and services than ever before. You may seek
advice from...
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an accountant or CPA
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an attorney
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a banker
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a life insurance agent
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a casualty agent
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a stockbroker
While these specialists are capable of giving competent
advice in their chosen fields, more often than not they are determined to sell
their particular product or service.
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Your
Goals Are Our First Priority
The first level of financial planning decision making is
strategic. We take into account your goals and values. The second
level addresses generic portfolio decisions. Finally, individual product
decisions are made...once the field has been narrowed to those products capable
of filling your specific needs.
In reality, some people tend to reverse the order of
their decision making. They do this primarily because of how they are
being influenced by specialists, salespeople, or by media advertising, all of
which are almost always promoting their product or service first.
As a result, most people tend to buy financial products haphazardly, without
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The
Questions of the Financial Plan
The best way to systematically strive for financial
independence is through the development of and adherence to a coordinated,
objectively prepared financial plan which encompasses all aspects of your
financial life. Professional Financial Planning can assist in the
development and implementation of your plan.
We are truly oriented to your goals. We center
our analysis around your feelings regarding these six financial
questions:
(Growth and Protection of Capital)
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Do I want a better hedge against inflation?
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Do I want to reduce my tax burden?
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What level of risk am I willing to accept?
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How much ready access to my money do I want to
maintain?
(Use of Capital)
5. What do I earn? How do I spend it?
6. What potential benefits do I want for my
family now, and in the future?
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Development
of a Comprehensive Financial Plan
How is your personalized financial plan developed?
During the initial phase of plan development, the
"discovery" process, we work with you to determine your concerns,
goals, and investment comfort level. We also review your resources and
accomplishments to date. With this information, we will prepare an
accomplishment profile which compares your total savings and investment program
to your concerns and goals, whether it is your children's education, a
comfortable retirement, or that boat you've been thinking about. Finally,
we will make appropriate recommendations for relieving any imbalances between
what you want to do and what you are actually doing.
The financially-related areas we review in the course of
plan development include:
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cash management
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income taxation
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investment planning
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business planning
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risk management
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accumulation
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retirement planning
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estate planning
The types of products and strategies which may be
appropriate and useful in addressing your financial situations include:
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mutual funds, including money market, tax exempt, bond,
growth, balanced, etc.
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unit investment trusts
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tax sheltered annuities
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IRA's
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variable and fixed annuities
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single premium deferred annuities
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life insurance
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individual non-cancelable disability protection
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professional overhead expense protection
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business buy-out plans
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business pension and profit sharing plans
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deferred compensation plans
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group life, health (with or without dental) and
disability benefits
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limited partnerships (real estate, oil and
gas)
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Implementation:
The Key Step
No matter how thoroughly the work is done, the creation
of your financial plan is only half the job. That effort may serve no
purpose if your plan is not implemented. There may be work to be done by
your other professional advisors such as your attorney, accountant, or
banker. With our service, their efforts are coordinated on your
behalf. There also may be recommendations in the areas of investments or
other products. You may implement these through your current advisors or
through our firm, at your option. We are also available to
periodically review your plan to keep it up to date.
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What Does
All This Cost?
For the development of the financial plan, including
appropriate analyses and recommendations, Professional Financial Planning
charges a fee. We have a number of different plan levels available,
varying in scope and complexity depending on the client's financial planning
needs. Our fees vary accordingly. However we work with you to
determine and agree upon the fee, before any plan development
beings.
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In Summary
To use your financial resources wisely, time can be your
ally. Procrastination is undoubtedly your most harmful enemy when it
comes to achievement of your financial goals.
Don't delay taking the first step towards securing you
financial future. Contact your Professional Financial Planning, Inc.,
Advisor now and schedule an initial interview. There is no charge for
this initial fact-finding consultation.
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Contact
Us
Integrated Professional Financial Planning,
Inc.
1046 Summit Drive
Middletown, Ohio 45042
Phone: (513) 424-6300
Fax: (513) 424-1156
Dennis Vitori - President
Direct Extension: (513) 424-6300x12
Cellular: (513) 594-4466
eMail: dvitori@ipfpinc.com
Roger Miller, CFP - Vice President
Direct Extension: (513) 424-6300x14
Cellular: (513) 594-5553
eMail: rmiller@ipfpinc.com
Peter Miller, CFP - Financial Planner
Direct Extension: (513) 424-6300x15
eMail: pmiller@ipfpinc.com
Ellen M. Miller, CFP - Financial Planner
Integrated Professional Financial Planning, Inc.
428 30th Street #A
Manhattan Beach, CA 90266
Direct Extension: (310) 939-9976
Cellular: (513) 314-3162
FAX: (310) 356-3690
eMail: emiller@ipfpinc.com
Linda Rader - Assistant to the President
Direct Extension: (513) 424-6300x10
eMail: lrader@ipfpinc.com
Judi Fabing - Office Manager
Direct Extension: (513) 424-6300x11
eMail: jfabing@ipfpinc.com
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