Financial Planning

Personalized, flat-fee financial planning is at the core of what we do at Anglia Advisors. You drive the process. Your goals. Your concerns. Your dreams. Our advice.

Why Financial Planning?  "A Foolish Game" by Snowflake (c) 2014 Licensed under a Creative Commons Attribution (3.0) license.

Investopedia Advisor Insights talks to Simon about Anglia Advisors' financial planning practice.

An engagement can be broad and all-encompassing or more narrowly-focused and concentrated on the particular issues that you feel need addressing, with a number of shades in between.

In all cases, you will be working closely and interactively with a CERTIFIED FINANCIAL PLANNER™ professional committed, in writing, to always act in your best interests at all times in a fiduciary capacity. This advisor will never take commissions or payments from any third parties to promote, recommend, or sell products to you.

Courtesy: www.kitces.com

Courtesy: www.kitces.com

Once we have determined the scope of the engagement, by means of a no-cost, no-commitment initial strategy session, advisory services will be provided for a fully transparent flat fee, with a monthly retainer model available to maintain access to your planner going forward. Investments can also be professionally managed for a fee with no minimum investment level.

We ensure you are educated along the way. Not only will you fully understand the mechanics, potential outcomes, and risks of implementing the recommendations but also you will have the tools to maintain your journey toward financial security.


We offer a full suite of financial planning services which can be customized to your needs. These range from an all-encompassing full financial plan with an ongoing retainer services plus cost-efficient money management to an hourly-based service model where smaller bites of the financial planning process can be accomplished in single sessions. 

We also offer tax-optimized, cost-effective customized stand-alone investment management services with no minimum investment required using some of the most advanced technology available today. 

We are happy to discuss whatever kind of services you require.

Contact us to chat about it.

As a Registered Investment Advisor, Anglia Advisors is NOT permitted to offer direct tax advice, legal advice or medical advice, either domestic or international, and no firm communications of any kind (written, media, electronic or verbal) should be construed as such.


We have various prepared solutions that address particular needs:

Full Financial Plan, Retainer & Portfolio Management Package: 

Our flagship service. Let an Anglia Advisors CERTIFIED FINANCIAL PLANNER™ professional take a look at your total financial picture and curate a plan for you, your finances, and your future.

The initial engagement will be interactive using the latest advanced financial technology, resulting in detailed analysis, financial organization and consolidation, specific asset allocations, and recommendations in all areas of your financial life. Particularly appropriate for couples with commingled assets, children (or planning on it) and those with investments, college and/or retirement funds already in place.

You then continue indefinite ongoing access to your financial planner and all of our services, including your own secure personalized financial planning and document storage website, and also implementation assistance and access through our network to many other specialist financial, tax, and legal professionals.  Retainer clients will have unlimited email access to their planner, small/medium size project work as well as a number of in-person/video-conference meetings during the course of the year.

Professionally-allocated, tax-optimized, diversified, low cost investment management services with no minimum investment level are provided as a part of this package at a deep discount.

Free access to our unique, simple and sustainable Spending Organization System (SOS).

Along the way, your financial planner will guide you to fully understand the nature of any recommended investments as well as their risk/reward profiles.


Retainer + Professional Portfolio Management Package

For those professionals who need financial organization, ongoing personal finance guidance and portfolio creation and management but not necessarily a full financial plan right now. Move straight to a monthly retainer model and work closely with an Anglia Advisors CERTIFIED FINANCIAL PLANNER™ professional to get yourself on track with addressing your financial needs, goals and concerns by building wealth in a smart, cost effective and tax-efficient way while also examining broader financial planning issues in the fields of spending control (using our free, unique, simple and sustainable Spending Organization System - SOS) estate planning, insurance, debt management, taxes, retirement planning, education funding, real estate without the need for the time and expense of a Full Plan if you truly do not need one at this time.

Retainer clients will have unlimited email access to their planner, small/medium size project work as well as a number of in-person/video-conference meetings during the course of the year.

Suitable for younger, single professionals earlier in their financial journey who have maybe not yet built a significant asset base, but who are looking to build wealth over time with the ongoing guidance of a qualified CFP®, professional investment management and an extensive network of allied professionals.

This plan gives clients the full benefits of Anglia Advisors acclaimed portfolio management platform that offers some of the most powerful algorithmic cost reduction and tax efficiency features available today, all at a discounted rate when combined with a retainer, payable either monthly or annually (no minimum investment required). 


Portfolio Management Only Package:

Now you can access professional, low cost, diversified, tax-optimized asset allocation and investment management with no minimum investment required. An Anglia Advisors CERTIFIED FINANCIAL PLANNER™ professional can set up, allocate, and manage as many accounts as you need (regular taxable investment accounts, Traditional IRAs, Rollover IRAs, Roth IRAs, SEP IRAs, trust accounts, emergency funds, vacation funds, estimated tax payment accounts, home deposit accounts, wedding accounts, etc.) according to our Core Investment Policy Statement after careful analysis of your unique individual circumstances, the time horizon and goal for each account as well as your risk tolerance/capacity. 

This is an investment management plan. There are no broader financial planning features associated with this plan.

Anglia Advisors recommended portfolios are optimized for maximum tax efficiency using powerful algorithmic technology and the concept of asset location. This can have the effect of increasing real rates of return over long periods of time by ensuring that any investments that generate higher taxes are placed in tax-advantaged accounts and that taxable accounts hold more of any lower tax-generating investments.

Our platform uses the most advanced technology available to offer multiple features not found elsewhere on traditional investment platforms.


Financial Plan Only Package

An Anglia Advisors CERTIFIED FINANCIAL PLANNER™ professional will take a detailed look at your total financial picture as it stands and curate a plan for you, your finances, and your future.

A full snapshot will be created of your complete financial situation using the latest advanced financial technology, resulting in detailed analysis, financial organization and consolidation, specific asset allocations, and recommendations in all areas of your financial life.

Particularly appropriate for couples with commingled assets, children (or planning on it) and those with investments, college and/or retirement funds already in place who feel that they need a complete analysis of where they stand in order to help them take things forward themselves with their own financial planning and investment management without any future need for ongoing advisory services. 

Free access to our unique, simple and sustainable Spending Organization System (SOS).

Your dedicated CERTIFIED FINANCIAL PLANNER™ will guide you to fully understand the nature of any recommended investments as well as their risk/reward profiles.


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Single Financial Planning Sessions:

Sometimes you need just a single issue or a small number of issues to be addressed. You can still access a dedicated Anglia Advisors CERTIFIED FINANCIAL PLANNER™ professional to work one-on-one you in a customized single personal finance session on just what is it is you wish to achieve or what is concerning you at that time, without the need for a full-blown plan or ongoing future guidance.

This can include investments, estate planning needs, insurance needs, spending control (using our unique, simple and sustainable Spending Organization System - SOS) or any other financial planning-related topic you want to discuss. Sessions take place in person at our location in New York City or by videoconference and a choice of 90 minute or 3 hour meeting durations is offered. 


Portfolio Check:

Have a qualified and fiduciary CERTIFIED FINANCIAL PLANNER™ professional act as a "second set of eyes" and analyze the portfolio that either you or your current advisor have put together. This may be particularly important if your current advisor is a non-fiduciary, commission-based advisor at a bank, credit union, brokerage firm or insurance company. These people are not under any requirement to put your interests ahead of their own when recommending investments and asset allocations and this fact may well be reflected in the contents of your portfolio.

Or maybe you just want a second opinion on the portfolio that you created for yourself or someone else. 


Workplace Retirement Plan Analysis & Recommendations Package: 

A workplace retirement plan is often the primary means by which you'll save for retirement. Have an Anglia Advisors CERTIFIED FINANCIAL PLANNER™ take a look at your professional workplace retirement plan, be it a 401k, 403b, 457, or TSP, and analyze all of your investment choices. From there, your advisor will propose a recommended allocation for both the funds already invested and for all your future contributions and any company matches. You will also receive a report detailing how these type of plans work as well as investing strategies and possible pitfalls to look out for.


College Funding Analysis & Recommendations Package: 

That little bundle of joy in your arms right now might well become a crippling, financial albatross around your neck without proper planning. With access to detailed data from universities throughout the country and leveraging powerful technology, an Anglia Advisors CERTIFIED FINANCIAL PLANNER™ professional can advise and provide a fully customized report on exactly how much you need to be saving, in what type of accounts you should be saving it, in what asset classes you should be investing, what the tax consequences may be, and whether you may want to make a one-time deposit right now. We also provide a wealth of other information about the college application process, financial aid options and the dreaded FAFSA/CSS. This is all outlined to prepare you for when the day comes when those college acceptance letters start rolling in.