Our Services
What we Do Best
We are a one-stop source for all your financial service needs. We provide customized financial planning, investment management, and tax services.
Primary Services
Financial Planning
In-depth analysis and recommendations in the following areas: net worth, cash flow, taxes, employee benefits, retirement planning, insurance, investments, college planning, and estate planning.
Investment Management
Based on a customized Investment Policy Statement (a.k.a. IPS), assets are allocated in a low-cost, tax-efficient, globally diversified portfolio. We regularly monitor your allocation and rebalance as needed.
Tax Preparation
As an Enrolled Agent (EA), we offer tax preparation as well as an add-on service (ONLY to our Financial Advisory Clients). If you are happy with your current accountant or if you are a do-it-yourself tax preparer, we are perfectly fine with it.
OUR VALUE TO YOU
Plan your Financial Future
We will help create a roadmap for you to achieve your financial goals: Whether it is to save for your first home, to save for your kids’ education or retirement. We will then help you to stay focused and execute according to the plan.
Manage your Investments
We will develop a written statement of your long-term investment objectives and provide a framework to handle your investments. Based on this framework, we will invest and manage your money in a low-cost, tax-efficient portfolio.
Organize your Finances
We believe organizing finances is fundamental to financial success. Accordingly, We will help you to consolidate accounts, to develop net worth and cash flow statements, to set financial goals, to create a budget, and to track spending.
Provide dedicated service
Exceptional client service is at the forefront of our agenda. We will take the time to listen to you and answer all your questions. Our initial consultation is always FREE. We strive for ethical and trusted long-term relationships.
Specialities
We specialize in all aspects of Financial Planning – Retirement Planning, Tax Planning, Investment Analysis, Estate Planning, College Planning
Retirement Planning
If you are near retirement or already retired, advice is given on appropriate distribution strategies to achieve retirement income goals.
Tax Planning
Advice is provided to minimize current and future income taxes as a part of your overall financial planning picture.
Investment Analysis
We will develop an asset allocation strategy to meet your financial goals and risk tolerance, providing advice on investment vehicles and strategies.
College Funding
We help you project the amount that will be needed to achieve college or other post-secondary education funding goals, along with advice on ways for you to save the desired amount.
comprehensive financial planning
Financial planning is not a one-time activity. Nor it is about delivering you a stack of documents to go through. It is about parnering with you and empowering you with the knowledge and tools required so you can make sound financial decisions, achive your financial goals – throughout your life.
Initial Plan
Once you decide to work with us, we will schedule two separate meetings with you to gather your financial data and to understand your financial goals. We will then go back, analyze and develop a comprehensive financial plan unique to your situation. The plan and recommendations will be reviewed with you in ~ 8-12 weeks from the time we agree on the scope.
Quarterly Reviews
We will schedule formal meetings each quarter to follow through the progress. During these meetings, we will review changes in your financial data and your financial goals. To the extent there are changes, we will revise the plan summary as needed. We will close out the meeting by identifying immediate next steps for the upcoming quarter.
Continuous support
As our comprehensive planning client, you will have collaborative access to your unique personal finance website. We work with you to help you execute on the plan recommendations. You have unlimited access to our time to get answers to any questions you may have throughout the year – all you need to do is schedule an on-demand consultation with us.
Here is how our process works
investment management
Our investment philosophy is to manage your money in low-cost, tax-efficient, globally diversified portfolios for the longer-term. Based on a well-defined criteria, we allocate and rebalance portfolios at the household level (as opposed to at individual account level). We will continuously monitor your portfolio and rebalance as needed.
Develop IPS
Once you decide to work with us, we request you to answer a few simple questions related to your risk tolerance. Based on the risk profile and other data we collect from you, we will then develop an Investment Policy Statement (a.k.a. IPS) unique to your specific situation. The IPS will serve as a guiding document for us to allocate a portfolio to your accounts, as well as the ongoing monitoring and rebalancing.
Allocate Portfolio
We do not believe in one-size fits all approach. We will carefully analyze various factors that are unique to your circumstances, such as – your risk tolerance, risk capacity, tax situation, and time horizon. Based on the results of our analysis, we will assign one of our proprietary portfolios to your household accounts. On a case by case basis, we will develop custom portfolios to handle specific client situations.
Rebalance as needed
Rebalancing helps manage risk. In order to maintain your established asset allocation close to the target, we periodically rebalance your portfolio. Our rebalance strategy involves setting allocation bands to individual investments in your portfolio, reviewing on a regular basis, and rebalancing as and when investments go out of band.
Here is how our process works
tax services
We are a one-stop shop for all your tax related needs. While tax planning is integral part of our financial planning subscription, tax preparation is a seperate service. As part of our planning process, we will Identify tax saving opportunities in your current situation, project your future income taxes, and develop tax planning strategies. At the time of preparing your taxes, we will leverage these strategies to maximze your deductions.
Tax Preparation
Taxes on time is peace of mind! We provide accurate, and timely tax preparation and consultation services for individuals, families, and small businesses. Our initial consultation is always free. We will electronically file your tax return so you will get a refund back quicker.
Future Tax Projections
Good judgement of your future taxes is key to developing sound tax planning. With the help of our financial planning software, we project your future year taxes. These projections enable us to work with you, and identify future tax saving opportunities that are unique to your situation.
Tax Strategies
Fee-Only Pricing
We are fee-only, which means we have no conflicts of interest. We refuse commissions, referral fees or any other sort of kickbacks. Our only interest is You! This means that you as the client will always come first and that we will have no incentives beyond providing you with the best possible service.
Financial Planning
Upfront and Quarterly Flat Fees- Net Worth & Cash Flow Analysis
- Retirement Income Planning
- Investments Analysis
- Tax Planning & Strategies
- College Savings need Analysis
- Insurance Review & Gap Analysis
- Estate Planning
- Personal Finance website
- Unlimited access to Advisor
Investment Management
Tiered pricing payable quarterly- Investment goals and priorities
- Risk based Portfolio allocation
- Global diversified Investments
- Tax efficient Asset allocation
- Investment Policy Statement
- Help to consolidate accounts
- Consolidated statements
- Performance reporting
- Unlimited access to Advisor
Ready to take the next step?
Our initial consultation is always FREE. I am confident the meeting will give you an opportunity to learn more about what I offer, and how you could benefit from my services.
FAQ
Frequently Asked Questions
We’re sure you have more questions. To make things easier for you, we have put down a list of most frequently asked questions. Hope this provides additional information about what it’s like to work with Unique Financial Advisors.
Are you a fiduciary financial advisor?
Yes, I am. As a fiduciary, fee-only financial advisor, I have no conflicts of interest. I refuse commissions, referral fees or any other sort of kickbacks. My only interest is you! This means that you as the client will always come first and that I will have no incentives beyond providing you with the best possible service.
I am not sure yet if we are a right fit. Can I get a No-obligation meeting?
Absolutely. In fact, I offer two types of free consultations: 1) 15-minute quick chat, and 2) Full one-hour “discovery” meeting. These meetings provide you an opportunity to learn more about me and how you could benefit from my services. During the meetings, I will briefly review your current financial situation and concerns. Please note no specific financial or tax advice is given at these free sessions.
For Financial Planning subscription , do we need to commit for an entire year?
Although we believe commitment of one full year is reasonable to experience the fruits of our relationship, we do not impose this on you. In other words, you are not required to commit for the entire year. Our contract clearly stipulates either party can terminate the agreement with a 90-day written notice.
My Financial Accounts are scattered. WIll you help in consolidating the accounts?
Absolutely. We not only help you with recommendations of how to consolidate, we will help you with all the necessary paper work to facilitate the transfers as required.
What is your Investment Philosophy?
My investment philosophy is to focus on long-term investing, a globally diversified portfolio and low-cost exchange-traded funds. I analyze various factors, such as – risk tolerance, risk capacity, tax situation, and time horizon before allocating a client’s portfolio. I develop an Investment Policy Statement (a.k.a. IPS) for each of my Investment Management clients.
What are the Fees for Tax preparation?
While tax planning is integral part of our financial planning subscription, tax preparation is s seperate service. We offer tax preparation as a convenience to our advisory clients – to become a one-stop source for their financial service needs. That said, we will not charge you more than what you paid for your last year’s tax preparation. All what we ask is – a written receipt of your payment from last year.
Can I pay Comprehensive Financial Planning Fees using a credit card?
Yes, you can. We use a third-party payment procesing system to handle financial planning payments from our clients. The system allows you to pay via ach or credit card – your choice. In case, you do not prefer paying via the payment processor, and would like to pay via checks, we are open for such arrangement as well.
Do you have custody of our Assets?
No, we do not have custody of your assets. The assets are held at a custodian of choice. If we manage your investements, you will give us a limited access to your accounts which enables us to trade on your behalf and collect our fees when they are due.
