Our Fiduciary Services
A Fiduciary that sits on YOUR side of the table
As we build and execute your Real Financial Plan, your financial needs will evolve. With Real & Regular Financial Planning, we never stop the planning process.
As Fiduciaries, we are held to the highest standard of care. This guarantees that we will always put your needs ahead of our own. As Certified Financial Planners, you can have confidence that your Real Financial Plan was built and will be stewarded by fiduciaries.
At Real & Regular Financial Planning we are disappointed by how our industry operates, and we seek to lead by example.
A REAL FINANCIAL PLAN
Custom built by a CFP and executed by a Fiduciary. We’ll meet regularly to adapt to the changes in your life.
- Comprehensive financial planning for individuals
- Comprehensive financial planning for families
- Cash flow analysis and budgeting
- Alignment of strategy for your applicable retirement assets, retail investments, life insurance, trusts, and tangible assets.
YOUR FINANCIAL QUARTERBACK
As a Fiduciary, our job is to ensure that your best interests are served. Which is why we believe in being a team player. As your financial and personal needs require, we are happy to collaborate with you and your chosen partners to ensure continuity with your Real Financial Plan for:
- Tax Planning
- Estate & Legacy Planning / Charitable Planning
- Banking
- Insurance
FIDUCIARY INVESTMENT MANAGEMENT
A Real Financial Plan is your map, your Real & Regular Financial Planning CFP is your guide and the investment selections we make are the fuel that get us to your destination. We provide:
- Risk Tolerance Analysis & Modeling
- Data-driven Asset- Allocation
- Investment Portfolio Construction & Rebalancing
- NO proprietary investments
- NO commission-based products
- Low-cost, high-grade investments
- Fee-only services
BUSINESS FINANCIAL PLANNING
It is prudent for business owners to have a rainy-day fund that protects them from revenue disruption or inadequate / expensive banking facilities. This cushion can mean the difference between success and failure. We provide:
- Operating and capital fund strategies
- Retirement plan consulting
- Collaboration with value advisors
BUSINESS-EXIT PLANNING
Selling your business could mean a substantial opportunity to grow your net worth. But doing so can mean exorbitant tax exposure if you aren’t careful. Our Certified Exit Planning Advisors (CEPA) can help you navigate the complexity associated with the sale of your most precious asset. We provide:
- Tax Mitigation Strategies with your CPA
- Pre-Sale Preparation
- Post-Sale Financial Planning and Wealth Management
- Collaboration with Merger and Acquisitions Partners
RETIREMENT PLANNING
Planning for retirement, nearing retirement and living IN retirement are three uniquely different phases. Your Real Financial Plan will include:
- Social Security Analysis
- Monte Carlo Simulation
- Asset Accumulation for each phase
- Strategic Distribution Flows
- Performance Reporting
ASSET PROTECTION & RISK MANAGEMENT
Your Real Financial Plan will ensure you are protected against life’s unexpected turns. It will also ensure that your family is provided for as a part of your legacy. We specialize in:
- Life Insurance
- Long-term care insurance
- Disability insurance
Investment Advisory Services are offered through NestEggs Retirement Plan Services dba Real & Regular Financial Planning, a registered investment adviser. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions, that are affiliated with NestEggs Retirement Plan Services dba Real & Regular Financial Planning.
EDUCATION PLANNING
Education planning has changed dramatically over the last few years. Recent legislation has introduced more opportunities, but also complexities, to navigate. We provide:
- 529 Plans
- Help understanding and comparing state-sponsored tuition plans
- Planning for all phases of education (K-12, private school, college, graduate schools, etc.)
- Custodial Accounts
- Accumulation and Decumulation Strategies