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Financial Solutions offers objective advice to help you reach your goals and find peace of mind. We specialize in low-cost, well-diversified investing and coordinated, comprehensive financial planning. We also offer efficient, hourly reviews and second opinions covering any financial topics you wish.
John Fiege, CFP®, provides the highest standard of care as a fiduciary. We are a fee-only firm, which means we get paid only by you. We do not receive commissions, accept referral fees, or earn incentive awards. Your costs are clearly shown to you up front.
For a complimentary appointment, contact John at john@johnfiege.com or 757-787-4693.
Payment Methods- We offer service by the hour, by the project, or by an annual flat-fee retainer paid quarterly.
Hourly Advice- Just as you need it in any category of planning. Our rate varies by project difficulty. Expect charges of $50 for associate planner work and $85-$125 per hour for most CFP(r) work.
Wealth Management - Financial Solutions can directly or indirectly manage your investments for you and provide you with peace of mind. We offer access to well designed no-load, low-cost funds that brokers can not sell. In addition, we advise on your full array of non-brokerage investments such as real estate, antiques, and commodities. With our wealth management services you recieve ongoing implementation and monitoring in accordance with your coordinated plan. You will receive first-class service, scientific risk and investment planning and coordination of planning that give you both top-level service and peace of mind.
Retirement Planning - We see too many people make significant mistakes by thinking retirment planning is simply rolling over their 401k and a few other details. We regularly save clients an immense amount of time, concern, aggravation, and money. How? We thoroughly review all aspects of your current situation and desired retirement including goals, investments, insurance, employee benefits, social security, pensions, expenses, and so forth. We help you investigate many factors you may not have considered that are generally not covered by financial salespeople. We help you understand your ability to tolerate risk and tie that directly to the appropriate investments to maximize return at the level of stability you need for peace of mind. Ultimately we want you to have peace of mind about your decision to retire.
Investment Planning - We offer investment services as a registered investment advisory firm through TD Ameritrade or we can provide advice in coordination with any broker or custodian you like. We believe in low-cost, no-load, market efficient, tax efficient investments. We may be able to make a significant positive difference in risk, return and investment costs. We know the tricks of the trade and help you avoid some of the higher-cost tactics commonly used in the marketplace.
Estate Planning - There is much to understand in this area of planning that can be costly or cause unintended results if delayed or improperly written. We are not attorneys or estate planning experts, but work in coordination with these professionals to help you develop the best plan possible. We know the basics and help you figure out a practical course of action. Many first time visitors to us have significant errors in their estate planning that should be looked at by an attorney.
Tax Planning - We help you understand your current tax situation and how it might be able to be improved. Too many people think of tax planning as figuring out what taxes can be saved after the current tax year is over. We feel planning needs to be done as far in advance as possible to keep your tax bill as low as legally possible. Any major financial decision needs to be considered in terms of tax impact. Working with your CPA is important to us to make sure the best of our ideas are properly implemented.
Insurance Planning - We review your needs and help you understand how insurance products like term life, long term care and disability can meet your needs by reducing risk. Property and casualty policies are reviewed for adequacy, pricing, and client service. We do not sell any insurance products, so you can feel comfortable knowing we are trying to help you keep your risks under control - not trying to make an extra dollar. You also can feel better knowing that we have an extra eye on your risk management program, no matter how busy your insurance company or agent may be.
College Planning - We help determine what your goals are as well as those of your children. Next we help prepare a plan that reviews multiple details to work on, not just how much to invest and in what tax advantaged account. We even work with kids to discuss financial planning and goal setting at their level. Some clients have told us this has been a tremendous help for their children.
Financial Solutions excels at identifying and implementing the best strategies to help you achieve your personal and business objectives. We work as a coach with you to provide comprehensive, personalized wealth-management solutions. The broad spectrum of expertise we offer includes asset protection, estate and trust planning, financial planning, insurance, investment advice, philanthropy and tax planning. We will work with the professionals - lawyers, accountants, insurance agents, etc. of your choice. After evaluating your goals and risk tolerance, we can create a personalized investment plan that is in harmony with your financial objectives. We believe that a long-term investment strategy offers the strongest potential for realizing your desired rate of return. Long-term investing minimizes risk and allows for the selection of a sound asset-allocation strategy.
Call us today and let us put you on the road to financial peace of mind.
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