You can access the expertise of a qualified, fiduciary CERTIFIED FINANCIAL PLANNER™ personal financial consultant who is not going to attempt to sell you anything and whom you are paying for un-conflicted and completely objective advice on an hourly basis by means of just one or a series of financial planning sessions.
Anglia Advisors offers financial planning in the form of Hourly Sessions of either two or three hours each for which you set the agenda and pay for on an as-needed basis. No up-front or ongoing retainer fees are required, you just “pay as you go” for personal financial advice.
You can arrange for just one session as a kind of “jump-start” or, more commonly, a series of sessions over time. The frequency and regularity is completely up to you, thereby giving you complete control over the amount of information and advice you require and over the total amount of fees you pay. You can also choose, if you wish, to opt for ongoing portfolio management services at or following a session.
A choice of two or three hour private meetings with your own fiduciary CERTIFIED FINANCIAL PLANNER™ personal finance consultant. Meetings can be held in person at my midtown Manhattan location or remotely by online video conference. The agenda is completely up to you and can encompass any aspect of financial planning, personal finance and/or investment management or can even be a purely educational experience. It can follow a format and contain subject matter pre-determined by us in advance of the session
Items are addressed verbally, as much as possible, right then and there in the meeting. Any items requiring further research or follow up and further information on the part of the advisor will be addressed in an emailed report shortly after the meeting
Following an initial session of at least 2 hours, you can arrange or as many additional sessions as required. Hourly Sessions come in two or three hour formats and multiple sessions of either duration are possible
Discounted pricing is available for the Anglia Student Loan Repayment Optimizer and/or the Anglia College Planning System for Hourly Session clients
While the engagement itself is limited to a couple or an individual, the meeting can be attended and observed by another trusted family member or friend if desired
Hourly Sessions can be combined with subsequent portfolio management engagement with primarily ETF-based professionally allocated and managed portfolios with no minimum asset level in taxable individual or joint brokerage accounts, rollover/inherited/Traditional IRAs, Roth IRAs, SEP IRAs or trust accounts as well as existing current 401ks, 403bs, 457 Deferred Comp Plans, Federal Thrift Savings Plans or taxable and IRA accounts "held away" at providers like Schwab, Fidelity, Vanguard, TD Ameritrade, E-Trade etc. (more details here)
All Hourly Session meetings will be conducted under The Fiduciary Standard
Commonly-addressed topics in Hourly Sessions are:
Simply a sense that you are ready for, and need guidance in, personal financial organization and a true plan for saving and investing for retirement and for other shorter term goals and putting processes in place for other issues such as estate planning, insurance, college funding or debt management (student loans, credit cards)
An imminent or recent marriage and the financial, legal and tax consequences, challenges, obligations and opportunities that this creates
Recent divorce or widowhood and the financial consequences, challenges, obligations and opportunities that this creates, particularly if you were not the primary financial organizational partner during the period of time of the marriage
Imminent or recent parenthood and the financial, legal, estate planning and insurance-related consequences, challenges, obligations and opportunities that this creates
Imminent or recent college graduation and entry into the workforce and the financial consequences, changes, challenges, obligations and opportunities that this creates
Imminent or recent change in employment and workplace benefits (including a new 401k/403b plan that may need to be analyzed and allocated) and the financial consequences and opportunities that this brings creates
Consideration of a real estate purchase and an objective analysis of the financial, credit and cash flow consequences, challenges, obligations and opportunities that this creates
A sudden or unexpected influx of wealth from an inheritance, legal settlement, significant bonus etc. with which you need guidance as to how to deploy, invest, protect and use wisely and cost-efficiently in the face of possible intense social and peer pressures
A two or three hour “crash-course” in personal finance and financial markets and a savings and investment education for yourself, a friend or family member in need of a general understanding of how the financial environment works
Specialized Hourly Sessions:
A Portfolio Review: A specific type of 2 or 3 hour session with an impartial and detailed review of an existing portfolio that may have been created by you or by another advisor. We can look in detail at the risk/return characteristics of your complete portfolio and the individual holdings and their appropriateness for you. We can dig into a lot of the fees that you are paying, some of which you may know about , some of which you may not. If appropriate, alternative investment strategies can be discussed.
Foreign Nationals In The US: A specific type of 2 hour session that addresses considerations and issues that face non-US-citizens living and working (or about to be) in the US on a visa or a green card and offers advice and access to qualified professionals (more detail can be found here). Note the modified pricing for Foreign National Consultations below.
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.