Financial Advising
Developing personal relationship with clients and implementing an extensive communication strategy to speak with all clients monthly and to be face-to-face with them at least quarterly is one of many reasons why I continue to excel. It is my goal to be the guiding light to my clients by educating them on all investment options. I focus my financial advising on the following areas:
Retirement Planning
Analysis and recommendations for 401(k), Rollovers, IRA, Roth IRA, 403(B), Keogh, SIMPLE IRA, SEP
Wealth Building
Developing and implementing plan to ensure future wealth.
Estate Planning
Developing and implementing plan to pass on wealth, to leave a legacy and work with CPAs to ensure all tax considerations are being taken care of.
College Savings
Choice of College Savings options that include best 529s, UGMA, College IRA and more.
Stocks, Bonds, & Mutual Funds
Evaluate, develop and implement an investment strategy that takes advantage of asset allocation and diversification based on your risk tolerance. Ability to choose from thousands of options of mutual funds.
Life Insurance
Evaluate, develop and implement an overall financial portfolio that is the best plan for you that includes potential life insurance needs. Ability to choose from multiple options of life insurance.
Annuities
For financial portfolios that require annuities, both fixed and variable life annuities can be selected to decrease risk and ensure future payout.
Additional Services include:
Individual Services: Alternative Investments, Equities, Mutual Funds, Stocks, Options, Fixed Income, Corporate & Municipal Bonds, Agency, Securities, Rollover IRA's, Roth IRA's, Simple IRA's, Stretch IRA's, Traditional IRA's, Trusteed IRA's
Business Services: Business Succession Planning, Deferred Compensation Plans, Retirement and 401(k), Stock Options Plans, Business Retirement Accounts, Non-Qualified Deferred, Compensation
Advice & Planning: Employee Stock Option Analysis, Financial Plans, Monthly and Quarterly Consolidated Statements, Model Portfolios, Retirement Distribution Analysis, Retirement Savings Analysis
Investments: Institutional Trading, Private Placements, Annuities (Fixed and Variable), 529 Accounts, Universal Life (Fixed and Variable), Investment Banking Services.
Consulting: I offer consulting services to individuals and small- to medium sized business.
Individual Consulting: Work with individuals, families, and couples on developing their day-to-day budgetary needs by working with them to increase their income and decrease their expenses to maximize the efficiency of their financial lives.
Small- to Medium Sized Business Consulting: Work with small- to medium-businesses in the areas of Employee Stock Option Analysis, Financial Plans, Monthly and Quarterly Consolidated Statements, Model Portfolios, Retirement Distribution Analysis, Retirement Savings Analysis.
Employee Benefits:
Little to NO COST to Employer. There is no better way to keeping your employees happy, to increasing retention and increasing productivity than ensuring your employees financially successful and their security is taken care of. I will work with each of your employees to try and make this a reality. I offer the following supplemental employee benefits at no charge to the employer:
• Long-term Care Insurance
• Portable Flexible Spending Accounts (No Use it or Lose It)
• Employee Investment Education
• College Savings Accounts
• Life Insurance
• Estate Planning
• Retirement Planning
• Employee Investment Clubs
I also offers 401(k) and other retirement programs for businesses who wish to begin or transfer their existing plans. And, for business owners who are looking for a way to save more than the IRS allows, I have a special program that allows business owners and key employees to save up to $100,000 or more per year with substantial tax savings for both employee and company.
Financial Advising Expert
James M. Roman, PhD, MBA
469-252-4809
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