A Pathway To Your Definition of Financial Freedom
We provide Wealth Advisory Services — financial planning coupled with asset management — The CORE of what we do together with your goals. We are compensated for our unbiased advice and investment management solely by our clients, as we are a Fee-Only firm.
Before we can manage any assets, safeguarded with our recommended independent custodian Fidelity Investments®, we need a plan that revolves around you.
- Are you living the life you envisioned?
- What are your goals for the future?
- What needs to get done today?
Unbiased financial planning coupled with asset management built on a unique, personalized plan for YOU and your goals.
Working together, we'll come up with a roadmap to help deliver you towards your own financial independence with the peace of mind knowing you can live your today while addressing your future.
Experienced. Responsive. Reliable.
Financial planners are actually fiduciaries. What is a fiduciary? It is a term from the Latin (fides means “faith” and fiducia means “trust”) which involves a legal or ethical relationship of trust between two or more parties. What does that mean for the client? It means the emphasis is on the client and not the advisor. Much of the traditional marketing approaches employed by many financial professionals are ruled out by the fiduciary advisor. Capital360financial. LLC is a registered investment adviser adhering to the principal-based fiduciary standard.
Investment management is provided on a fee-only basis. Portfolios are constructed using mutual funds, exchange-traded funds, and, when appropriate, individual stocks or municipal bonds. Investments are chosen based on management, costs, strategy, performance history, risk level, diversification, and other factors. Investing is part science and part art. Portfolios are constructed using a low volatility or core/satellite approach in order to manage risk. Special attention is given to clients who need to maximize retirement income.
The relationship with all investment clients begins with the preparation of a financial analysis. A separate, flat fee is charged for preparing this analysis. If a client chooses to continue to work with Capital360Financial, LLC, the fee is calculated as a percentage of assets under management and will include on-going financial planning services,
PERSONALIZED FINANCIAL PLANNING
- Net Worth Statement and Cash Flow Statement
- Retirement Income Strategy
- College Funding Analysis
- Investment Portfolio Assessment
- Risk Management Assessment
- Estate Planning Analysis
- Research & recommend Investments
- Exchange-Traded Funds (ETFs)
- Municipal Bonds
- Mutual Funds
- 529 Plans
- Fixed and Immediate Annuities
- Monitor portfolio performance
- Conduct client meetings, as needed
- Prepare paperwork and service of accounts
- Update Personal Financial Plan
- We provide investment services to IRAs, 401k, trust and brokerage accounts
- Assess needs
- compare carrier illustrations
- Provide explanations on features & benefits
- Make recommendations for Life, Disability, Long-Term Care
*Please Note: The scope of any financial planning and consulting services depends upon the terms of the engagement, and the specific requests and needs of the client. Capital360Financial s neither serves as a law firm nor an accounting firm, nor as an insurance agency. Capital360Financial does not prepare legal documents or tax returns, nor does it sell insurance products.