Financial Planning

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Financial Planning Services

Most people think all financial planners are "certified," but this isn't true. Just about anyone can use the title "financial planner." Only those who have fulfilled the CFP Board's rigorous requirements can call themselves a CFP® professional.


Lorintine Capital's financial advisors carry the CFP® designation and are prepared to work with you in designing, implementing, and succeeding with your financial planning needs.

 

Why Use a Certified Financial Planner™

CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What's more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP Board certification exam before they can use the CFP® marks.

Financial planning is a dynamic process. Your financial goals may evolve over time due to shifts in your lifestyle or circumstances such as an inheritance, career change, marriage, house purchase or a growing family. As you begin to consider how best to manage your financial future, you should feel confident knowing that with a CFP® professional, you're working with someone committed to providing the highest standard of financial planning.

Financial planning does not have to be complicated or frightening and with a CFP® Professional from Lorintine Capital it won't be.

What a Certified Financial Planner™ Professional Can Do for You

No matter where you are in life, CFP® Professionals know how to deliver the highest standard of financial planning service to make sure you are on the right track. From planning for retirement to saving for college, CFP® professionals are trained to help you develop a comprehensive strategy to reach your short and long term financial goals.

The Fiduciary Standard

Many financial advisors are not legally required to uphold a fiduciary standard when making investment recommendations to their clients. In recent years there was an attempt to pass a "fiduciary rule" by Congress, but it was ultimately defeated. So what exactly is a fiduciary?

A fiduciary is a person or organization that owes their client the duties of good faith and trust. This is the highest legal duty one can owe to another and involves being ethically bound to act in the client's best interest -- even if this results in less compensation or other benefits to the advisor.

At Lorintine Capital, we take the fiduciary obligations we have to our clients seriously, and this is primarily why we have chosen not to represent any Broker/Dealer firms or products.

How the Financial Planning Process Works

The financial planning process is well defined and divided into six distinct steps:

1. Establishing and defining the client relationship
2. Gathering client data and learn about client goals
3. Analzying and evaluating the client's current financial status
4. Developing and presenting a plan for the client
5. Implementing the plan with the client
6. Monitoring the plan and updating it as necessary

Each CFP® Professional will go through some version of the above process. Lorintine Capital's advisors are trained in the process, how to make it easier for clients, and can assist in each step along the way with client comfort and understanding being some of our highest priorities. 

The CFP® Board has additional resources on how the process works and what to expect from your financial planner.

How to Start Planning with a CFP® Professional

Ten Questions to Ask your Financial Advisor

Consumer Guide to Financial Planning

How much the Financial Planning Process Costs

Pricing for a financial plan will vary depending on the needs of each individual client. Clients who desire a full analysis of their current financial situation including goal setting, financial statements preparation, cash flow and insurance analysis, retirement and college savings planning, estate and income tax planning, and investment advice are typically charged an up-front out of pocket fee ranging from $500-$2,500. If asset management is a result of the financial planning relationship, discounts and planning fee rebates may apply.

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