Fee-Only Financial Planning SM is focused on helping individuals with all aspects of their financial lives. Both personalized financial advice and investment management services are offered.
Financial planning is the process of reviewing your financial situation, taking into consideration your specific goals and objectives, and then providing a roadmap to help you realize those goals and objectives. Investment management services include not only comprehensive financial planning but also ongoing oversight of your investment accounts, selection of investments and adjustments when appropriate.
Personal financial planning work is offered on an ad-hoc, hourly basis. Investment management clients are charged a fee based upon assets under management.
Financial planning is the process of reviewing your financial situation, taking into consideration your specific goals and objectives, and then providing a roadmap to help you realize those goals and objectives. It may include the following:
Clients purchasing this service will receive a comprehensive, written report, in letter format, providing the client with a personalized financial plan designed to achieve his or her stated financial goals and objectives at that point in time. In order to be fully objective, financial planning recommendations are not limited to any specific product or service offered by a broker dealer or insurance company. All recommendations are of a generic nature and implementation of financial plan recommendations is entirely at the client's discretion.
David T. Martula will work with the goal of helping the Client to achieve his or her financial goals. No load mutual funds will be the investment of choice, though due consideration will be given to the Client's current holdings. Mutual funds will be selected based first on the degree to which the fund's objectives meet those of the Client; then on the basis of, but not limited to, the fund's historical risk and return, investment philosophy of management (including whether management holds the fund personally), management's trading frequency, fee structure, and length of time that management has been operating the fund. Though none of these features guarantees investment success, they are important ingredients in investing.
FOFP also provides advice on a more limited basis. This may include advice on a specific area of concern such as estate planning, retirement planning, a client's existing portfolio, life insurance need, or on any other specific financial topic.
FOFP can provide financial advice as part of your estate planning or tax planning process, but does not provide legal or tax advice. Please consult a qualified attorney or accountant.