The Financial Plan
Your own dedicated CERTIFIED FINANCIAL PLANNER™ professional will first create a Quick-$tart Plan with detailed analysis and recommendations, then work with you going forward on a subscription basis to get you financially organized, address all the identified issues and be constantly available to you at all times to provide help, guidance and advice whenever you need it. The Financial Plan includes optional, low-cost, no-minimum professional portfolio management of your investments at a discounted rate and access to an extensive network of outside professionals.
Clients will have full access to our extensive suite of personal finance services at no additional cost including a Client Portal & Electronic Document Vault, workplace benefits analysis, Student Loan Repayment optimizer, College Planning Analysis, Real Estate Check, Portfolio Check, Insurance Check, Cash management Check, Debt Management Check, micro-investing tools, monthly market reports and bulletins, financial markets education - but most importantly ongoing and constant access to a CERTIFIED FINANCIAL PLANNER™ professional.
We want to be your first call for any of the significant financial decisions you will need to make going forward. Particularly ideal for younger professionals in their 20s, 30s and early 40s or so-called HENRYs (High Earners, Not Rich Yet), this service is intended to be a close, ongoing, long-term client/planner relationship.
Creation of a personalized Quick-$tart Report with specific recommendations based on the snapshot of where you stand at this very moment and a road-map of how you and your dedicated advisor will work together as well as exclusive personal finance tools, resources and educational materials that you can start to use right away
Ongoing, continuous phone/email/text access to a fiduciary CERTIFIED FINANCIAL PLANNER™ professional going forward for all the financial issues and milestones that will inevitably arise
Available personalized Client Portal with mobile access linked to all your accounts and help keep you financially organized and on top of your net worth at all times
Electronic Document Vault with mobile access
Highly-detailed analysis of your existing investments, including brokerage accounts, IRAs and workplace retirement plans like 401ks and 403bs.
Available ETF-based professionally created, allocated, managed and monitored portfolios with no minimum asset level in taxable individual or joint brokerage accounts, rollover/inherited/Traditional IRAs, Roth IRAs, SEP IRAs, custodial or trust accounts at a discounted rate to our regular asset management rates on a technologically advanced investment platform in line with our Core Investment Policy Statement
By means of other advanced technology, we are also able to analyze, assess, allocate, manage, rebalance and monitor accounts held elsewhere including in-force, current 401ks, 403bs, 457 Deferred Compensation Plans, Federal Thrift Savings Plans as well as accounts and IRAs held at other providers such as Schwab, Fidelity, Vanguard, TD Ameritrade, E-Trade etc. under the same fee schedule as for directly managed assets. This eliminates the need to liquidate existing accounts to move them to a new platform in order to have assets professionally managed and also provides our clients with the highly unusual opportunity to have their workplace retirement plan fully analyzed, allocated, managed and monitored by a CERTIFIED FINANCIAL PLANNER™ professional.
Available Tactically-Managed algorithmic “Quant-Folios”, Socially Responsible Investing (SRI)/Environmental, Social and Governance (ESG) low-cost portfolios as well as Factor-Based ("Smart Beta") investment strategies and many others.
Full access to an extensive network of outside professionals including estate planning attorneys, tax, insurance, immigration and real estate professionals and many more
Full range of Personal Finance Checks are included:
Anglia Real Estate Check (for both first time buyers and existing owners)
Anglia Student Loan Repayment Optimizer (included, more details here)
Anglia College Planning System (included, more details here)
Anglia Debt Management Check
Anglia Life Insurance Check
Anglia Cash Management Check
Anglia Deep Dive Credit Check ***
Analysis of how on track you are for a secure retirement and recommendations for improving your outlook
Available consolidation of any scattered accounts, such as “old” 401ks or multiple IRAs, where suitable
Introduction to Micro-investing tools
Emergency Fund creation and management
Assistance with charitable intentions
Assistance with trusts for minors
Analysis of your workplace benefits package and recommendations
Available life/disability/long term care coverage through a completely independent insurance broker with access to all carriers and no incentive to promote one in particular
Analysis of where you stand re: your estate planning and recommendations for improving your outlook
Comparative and independent analysis of existing home or auto insurance policies which will attempt to find cost savings and/or feature improvements
Available mortgage advice and recommendations through a completely independent mortgage broker with access to all lenders and no incentive to promote one in particular
Advice and recommendations for tools re: organized budgeting
Exclusive integration of micro-investing strategies using Digit
Secure, encrypted portal for sending and receiving sensitive documents of any size
Free subscription to our Monthly Market Reports, exclusively for Anglia Advisors clients and prospects, giving an easy-to-read analysis each month of activity in the world’s financial markets.
Behavior management: damage to investment performance is most frequently caused by an emotional response to market conditions (greed, fear and envy), a lack of discipline and a loss of focus on the big picture. I will work with you on avoiding these behavioral mistakes
Understanding and education: clients need to know and understand exactly what they are invested in and learn to tune out the noise and agenda-ridden media conventional "wisdom” that constantly distracts from the goals at hand
Secure, encrypted and archived text messaging system for connecting with your advisor in a compliant fashion
Advice re: particular concerns affecting foreign nationals living and working in the US on visas and green cards
I will operate under The Fiduciary Standard at all times throughout the engagement (see more detail here)
*** small additional fee required
Important note: As a Registered Investment Advisory firm, Anglia Advisors is not permitted to give direct tax or legal advice, but is permitted to broadly describe the tax or legal landscape in which the client may be operating