Independent Financial Planner & Registered Investment Advisor
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About Us

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The safe way to double your money is to fold it over once and put it in your pocket.

-- Frank Hubbard

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FPA
NAPFA
Fee only

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Services

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Financial Navigators provides wealth management through comprehensive financial planning. What this means is that we evaluate all aspects of our clients’ financial life, work with them to set goals, and create financial strategies to achieve these goals.

Each of our clients is unique and each has a unique set of needs, concerns and desires.

Not everyone requires assistance in all areas of financial planning. We often begin
our client relationships by focusing on one or two areas of immediate concern and
add other services as the need arises.

What sets FNI apart is the client experience developed by the consultative process
we use…a true difference from other advisors.

INVESTMENT CONSULTING SERVICES:
The FNI Difference = Structured Management.
With Structured Management, FNI avoids the expense & uncertainty of active trading and the limited set of choices with indexing. FNI structures your portfolio to achieve potentially greater returns by scientifically identifying risk using empirical research and trading at the lowest cost possible. Why is Structured Management a better approach to investing?

Active Management
Can actively managed funds consistently outperform? Some fund managers might get lucky. Most do not. After taxes, increased trading costs, and fees, you’re left with a poor long term record of success.

Index and ETF Management
Index funds and ETFs must trade according to the dictates of the underlying index, for example the S&P 500. In this example, all index funds and ETFs based on this index would herd together when buying or selling if the underlying index changes incurring trading expenses and often lower performance. In addition the price of a new entry to the index will drive up the cost to the fund as every fund based on that index buys the new security or conversely drives the cost of the security down when it is removed from the index.

At FNI, we rely on:
Discipline, Diversification, Structure:

>> We follow an approach that seeks to deliver the highest expected return
      for a given level of risk.
>> Our core philosophy is simple: Markets Work and the best way to invest is
      to diversify and seek added return through portfolio structure and careful
      risk taking.
>> We partner with what we consider are the best institutional investment
      managers, and you benefit from the proven experience of our disciplined
      investment strategy.

OTHER AREAS OF FOCUS:
RETIREMENT PLANNING
Perceptions of retirement vary, but we all face two similar challenges for retirement; financial security and lifestyle changes. Prior to retiring you must be prepared for both to turn your perception into reality.

EDUCATION FUNDING
There are many tax favored funding methods available. As with any plan, the earlier you start the better. We can develop a program that is both tax-efficient and targeted to pay education costs at the appropriate time.

ESTATE ANAYSIS & PLANNING
Estate planning goes beyond the will that most people recognize they should have and doesn’t only apply to the wealthy. A well thought-out estate plan will ensure your estate is handled as you wish. A good plan should avoid excessive taxes and probate costs, as well as shelter funds for future generations and eliminate family conflict. We are able to structure a plan specific to your needs and coordinate legal services to implement your plan.

SPECIAL NEEDS PLANNING
Some families may have a child, parent or other relative under their care who requires assistance for the activities of daily living (ADL’s). Who will become their caretaker and/or guardian after your death? What finances would be available for this person’s continued care? The resolution to these questions can be developed through trusts and a properly worded will. We have the experience to help you face these challenges.

NON-TRADITIONAL RELATIONSHIPS
There are many relationships that are not recognized by government entities and are not provided the same benefits that are granted to traditional relationships. Thoughtful planning, trusts and properly worded wills can alleviate some of this disparity and ensure that the people you care about will be taken care of in the event of your death as you would have cared for them in your life.

ELDER CARE PLANNING
Whether you require assistance yourself or are seeking services for family members, we will create the framework to ensure that elders continue their chosen lifestyle with dignity and independence. Our contacts include Elder Services Agencies and vendors for modern approaches to make your desires possible.

INSURANCE NEEDS ASSESMENT
Many people are unsure of the type and amount of insurance coverage they should have. Therefore we will review your current policies to ensure that you have the appropriate coverage of life, health, disability, property and liability insurance.