Financial planners gather relevant data about the client, analyze it, and then provide a number of recommendations for the client to follow in order to help achieve their specific goals and objectives. Complete financial plans take into consideration all of the elements of the client's financial situation. This includes, but is not limited to: cash flow planning, investment analysis and planning, tax planning, retirement and estate planning, risk management (insurance needs), education funding and any other needs specific to you.
SM is focused on helping individuals with all aspects of their financial lives. Both personalized financial advice and investment management services are offered.
Mutual Funds
Click here to confirm you want to leave the site. is the nation's largest pure no-load mutual fund complex. FOFP frequently uses Vanguard Funds and similar fund companies in selecting investments for accounts that it manages. Their website contains useful and straightforward information about fund investment. FOFP does not receive any compensation for selecting Vanguard products or any other company’s products.
FOFP is compensated solely by the client. For financial planning services, FOFP is compensated on either an hourly basis ($100/hour) or on a flat fee basis. Typically, flat fees range from $100 to $500 depending upon the complexity of the work. Clients are then billed upon the completion of the work.
Retirement Planning
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.