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Are you overwhelmed at the thought of saving for retirement, budgeting for insurance expenses, and managing your assets to the fullest? You’re not alone. Most people aren’t trained in tax laws, financial regulations, and investment options. That’s why so many people rely on retirement planners to help them make wise financial decisions.

At Financial Consulate, we are more than just experts in our field—we are also highly ethical. We follow a strict code of values and pledge to always keep our clients’ best interests at heart. Our principles are based on the rigorous standards established by the National Association of Personal Financial Advisors (NAPFA).

For more information on financial planning in West Friendship, please contact Financial Consulate and schedule your introductory appointment or request a Financial Physical® today.

Fee-Only Financial Planners in West Friendship

Financial advisory firms earn money in two primary ways: commissions and fees. Prior to the Investment Advisers Act of 1940, most brokers sold investment products for a commission. While this is appropriate on an individual basis, it can sometimes lead to dishonest behavior. After all, brokers are loyal to the companies they work for, and certain products may result in higher commissions, even if they don’t benefit the client as much.

To avoid unscrupulous behavior, Financial Consulate doesn’t collect commissions, kickbacks, or referral fees that could cloud the eyes of disreputable advisors. Instead, we receive a small percentage of the investment portfolio’s total value.

West Friendship Retirement Planning

One of our specialties at Financial Consulate is helping our clients prepare for a comfortable, stress-free retirement. Our retirement planning services in West Friendship teach you how much to save if you hope to live a certain lifestyle after you stop working. Here are some of the vital factors we consider:

  • Accumulated assets and debts
  • Estimated earned income and expenses from now until retirement
  • Rate of return on existing investments
  • Income needs and expenses after retirement
  • Current and post-retirement taxable income and capital gains tax rates
  • Required minimum distributions and related taxes
  • Social Security, Medicare, and Medicaid eligibility and benefits

Schedule a consultation with our retirement planners in West Friendship.

Wealth Management & Investment Advisory

With wealth management and investment advisory services from Financial Consulate, we can assist in creating a model portfolio that align with your short-term and long-term goals. One component of this includes diversifying your portfolio with our expert advice.

Our investment recommendations are based on your personal financial standing, the level of risk you want to take, and your long-term monetary goals. This allows us to formulate individualized financial advice to suit your needs perfectly.

Contact us today to schedule a consultation with our West Friendship investment advisors.

Certified Financial Planners in West Friendship

A Certified Financial Planner, or CFP, is a finance industry professional licensed by the CFP® Board. To earn this distinction, a person must complete the following:

  • Earn a bachelor’s degree from an accredited university
  • Complete the CFP Board financial planning education requirements
  • Complete the 7-hour CFP Certification Examination
  • Gain three years of qualifying work experience
  • Pass the Candidate Fitness Standards and background check


Contact a Financial Advisory Firm in West Friendship

Specific certifications, training, and education are needed to ensure prudent wealth management and retirement planning services. At Financial Consulate, our CFPs are highly qualified for the job. We’ll educate you on all your investment options and will never suggest a product that isn’t right for you. Thanks to our status as a financial fiduciary, you can trust us to act in your best interest at all times!

To learn more about our fee-only financial planning services in West Friendship, please contact Financial Consulate today.

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