Financial Planning for BusinessesMainly involved in setting up 401K's, and other types of retirement plans for businesses. We can refer you to group insurance specialists if needed.
Financial Planning for IndividualsAll major financial planning areas are covered/reviewed to provide comprehensive planning for both short and long term goals with continued guidance. Referrals to estate planning attorneys, CPA's, etc. are available.
Financial Advice & ConsultingVery well seasoned advisor with both wisdom and common sense in one package! That is very rare in this day and age.
Portfolio ManagementFully disclosed and unique process to custom tailor investments to the needs of the client. We do not do "cookie cutter" portfolios where everyone gets the same thing. Investment performance disclosure and quarterly portfolio reviews. We are the real deal!
Retirement PlanningProjections completed to include inflation, the return on your nest egg, social security, pension if any. Shows approximately what you can safely spend during retirement, projected out to age 100 or beyond.
401K RolloversWe do many 401K rollovers and the investment process is the same as you see under the "Portfolio Management"
section above.
Insurance PlanningMostly Long Term Care insurance counseling. Also can do life and disability coverage if needed. Referrals to well mannered home, auto and business agents are available.
AnnuitiesIf appropriate for the client, we can place and service both fixed and variable annuities for you.
Estate Planning & TrustsWe can assist you with setting up the basics of your Estate but ultimately an Estate Planning Attorney has to draw up all the legal documents such as your Will, Power of Attorney, Health Care Proxy, Living Will or Trust Document if needed. Referrals are available.
Tax Advice and ServicesWe do not prepare taxes but must have tax knowledge to properly advise you in other financial areas. Referrals to tax professionals are available.
Education Funding & PlanningWe do projections of what you may need in the future at college time based on inflation, rates of returns on investments and how much you need to invest each month to meet your goals. Assist with setting up tax advantaged 529 College Savings Plans.
Investment Management & AdviceWe actually do what others only say they will do. We have quarterly reviews of your portfolios and prefer to charge a fee based on the amount of assets under our management rather than deal on a commission basis. Any portfolio fine tuning is done quarterly and interim if necessary.
Wealth ManagementPart of the entire portfolio management process and includes deferral of taxation if appropriate. Estate planning is also a part of Wealth Management.
Risk ManagementPart of the entire investment portfolio management process. From an insurance protection standpoint, we assist/advise in most areas.
Money ManagementWe do not do budgeting for clients but do assist with analyzing your expenses/cash flow if requested.
DisclosuresWiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest.
www.thomasjbrown.com
Disclaimer*Registered Representative, Securities offered
through Cambridge Investment Research, Inc., a
Broker/Dealer; Member FINRA/SIPC. Investment
Advisor Representative, Thomas J. Brown, Brown
Financial Management Group, LLC a Registered
Investment Advisor. Cambridge Investment
Research, Inc. and Brown Financial Management
Group, LLC are not affiliated.
