Financial Planning- Helping You See the Big Picture (video will open in a new window)

Developing a Sound Financial Plan (video will open in a new window)

Among the services we provide are:

• Financial planning on either a one-time, periodic or ongoing basis
• Investment Advisement including specific recommendations for diversification and expense reduction
• Strategies for building or updating tax-efficient portfolios
• Developing diversified strategies to maximize potential growth and wealth
• Second opinions on investment portfolios
• Plan implementation or guidance for those who prefer to personally implement their plans
• Strategies for college funding
• Analysis and recommendations for managing cash flow and debt reduction
• Tax strategies to minimize taxes in achieving your financial goals

Financial planning services include: comprehensive, advisement and investment management. All  services require an understanding of each client, including their: assets, obligations, goals, priority of each goal, ability to absorb losses, comfort with fluctuating value of assets, time horizon, health and related factors. Each client needs to “feel” comfortable with their plan for it to be to be successful A written summary and recommendations are provided. Implementation of the recommendations are provided as needed.

Comprehensive planning is the most in depth and detailed of the financial planning services offered. These financial plans may include:

• Cash flow management
• Charitable planning
• Education funding
• Estate planning – maximizing your assets during life and for your heirs
• Gift planning – identify the best assets to gift, applicable method and timing
• Goal identification, prioritizing and funding
• Income tax planning
• Investment planning, including 401(k) and annuity sub account
• Retirement planning
• Risk Management – insurance needs

Advisement Services focuses on part, all or a combination of one or more elements of a comprehensive plan. These services respond to or provides feedback to an aspect of financial planning when a client is not interested in a comprehensive plan.

Investment management services are unique to each client. Actively listening to our clients is at the core of my process. This includes their view of wealth, their reaction to the market fluctuation, the priority of their financial needs, the timing of goals, cash needs, investment experience and other related factors.

Investment portfolios are crafted specifically to each client. Financial planning is an integral part of investment management services. Portfolios are based on sound investment principles, and the client’s needs and goals. Portfolios reflect a disciplined approach determining the appropriate diversification, low turnover and minimize investment costs. Success of investments is generally considered to be dependent on asset allocation rather than security selection. Market timing and speculative strategies are typically not recommended. A target is developed for each client. Periodically each portfolio is reviewed to identify if changes are appropriate. The target is modified when there are changing circumstances, goals, etc.

Services are based on the needs an aspirations of each client. Listening and  ongoing communication with our clients help to understand their personal goals, risk tolerance, risk capacity, comfort zone, time horizons and other factors.

Some assets we recommend include: money market funds, certificates of deposits, mutual funds, and exchange-traded funds. The assets may also include specific securities. This approach focuses on consistency, efficiency and cost.

Investment Portfolio Management Services

JAS Financial Services LLC, provide ongoing investment portfolio management services for those clients that do not want to actively manage their investments. Financial planning is an essential part of creating an investment portfolio. This service includes periodic reviews of portfolios and allows us to act on client’s behalf as a fiduciary. Investment portfolios that are a part of this program are reviewed and acted upon as appropriate for each client’s unique objectives.

Monthly investment account statements are prepared by a custodian, currently primarily at Charles Schwab & Co. (Schwab). Appropriate periodic performance reports, periodic communications and meetings are available as part of this service. On-going investment selection, asset allocation, asset location and portfolio re-balancing as appropriate are also included.

Both of these services require a clear understanding of more than market changes.  Other factors include changes in: needs, goals, priorities, assets, liabilities, comfort with risk and time horizon.

An essential element of the process used is to be responsive and anticipate clients’ needs. Helping clients understand their situation, alternatives and consequences of the alternatives is at the center of making  informed decisions.

Advisory and Consulting  Services includes analysis to provide answers and feedback regarding aspects of financial planning. These services are for clients that do not want ongoing management services. This service may include: investment selection for 401(k) plans, investment selection for 529 plans, review of investment allocations, investment location, and investment selection for charitable purposes and gifting and other aspects of a financial plan.

JAS FINANCIAL SERVICES, LLC also provides investment analysis services to participants of retirement plans.

Specialized services are available other situations.

Joe has provided his experience, education and wisdom to planning and investment clients for over 30 years.  Each client receives investment expertise tailored to their specific situation and the advice designed to maximize the opportunity to achieve their unique objectives.