Investments & Retirement Planning
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Jersin Financial Services is a Fee Only Registered Investment Advisory Firm. We have a fiduciary responsibility to our clients. You will receive a customized investment program to match your particular investment objectives and life style. We will work with you to understand your financial needs, your ability to assume risk, your liquidity needs, and your short-and long-term goals. We will discuss investments that we believe will help you meet your objectives.
Our fundamental investment approach is to create a portfolio that is appropriately diversified across asset classes to help reduce risk while achieving your stated income and growth objectives in a tax sensitive way. Listed below are sample portfolio models. We will work with you to develop a portfolio that is appropriately aligned with your needs: |
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Investment Management:
We are available to help you implement the investment plan that is right for you, and manage your existing portfolio, with the intent of achieving your stated investment objectives. We focus on managing risk through the creation of an appropriately diversified portfolio, and use investments that match your personal risk tolerance.
- Contents:
- Investment Portfolio Review
- Retirement Planning and Retirement Plan Rollover Services
- Estate Planning
- Small Business Retirement Consulting
- Tax Planning
- Education Planning
- Trustee Services
- Client Communication
- Mutual Funds
- Investing With Individual Securities
- Alternative Investments
- Annuities and Insurance
- Cash Management
- Charitable Giving Services
Investment Portfolio Review
Subsequent to the initial implementation of an investment plan, we continue to actively monitor your portfolio, keeping it in line with your stated investment objectives. We may conduct periodic portfolio reviews and are committed to maintaining an open dialog with you to keep you informed and involved. We welcome your input, and encourage you to keep us informed about any changes in your life or in your goals that may require an adjustment to your investment portfolio.
Retirement Planning and Retirement Plan Rollover Services
Whether retirement is in the near future or longer term, we can offer ways to help you maximize your savings to achieve your retirement income and wealth goals. We can evaluate and assess your existing retirement accounts—pensions, IRAs, SEP’s, 401(k) plans, annuities—and provide advice to try to maximize eventual or present retirement income from those accounts. We can also help reposition investments held in these accounts to allow for proper diversification across your entire portfolio. If retirement is much closer, we can help you determine the most effective strategies for taking distributions from your retirement accounts that may help to generate a steady income stream during your retirement years.
Whether retirement is in the near future or longer term, we can offer ways to help you maximize your savings to achieve your retirement income and wealth goals. We can evaluate and assess your existing retirement accounts—pensions, IRAs, SEP’s, 401(k) plans, annuities—and provide advice to try to maximize eventual or present retirement income from those accounts. We can also help reposition investments held in these accounts to allow for proper diversification across your entire portfolio. If retirement is much closer, we can help you determine the most effective strategies for taking distributions from your retirement accounts that may help to generate a steady income stream during your retirement years.
Estate Planning
We will conduct a review of your current and projected financial situation, and devise a plan that will help ensure that your assets are distributed to your beneficiaries as you intended, in a tax- and cost-efficient manner. By starting now, we can help determine the most appropriate use of trusts, gifting programs, and other strategies to help protect your assets for future generations, and help implement those strategies. With a comprehensive estate plan, you can also take steps to help reduce the potential impact of taxes and other estate settlement costs on the value of assets transferred to your heirs.
We will conduct a review of your current and projected financial situation, and devise a plan that will help ensure that your assets are distributed to your beneficiaries as you intended, in a tax- and cost-efficient manner. By starting now, we can help determine the most appropriate use of trusts, gifting programs, and other strategies to help protect your assets for future generations, and help implement those strategies. With a comprehensive estate plan, you can also take steps to help reduce the potential impact of taxes and other estate settlement costs on the value of assets transferred to your heirs.
Small Business Retirement Consulting
We offer a detailed review of the various types of retirement vehicles for small business owners, and conduct an analysis of your current enterprise to help determine an effective plan for your particular situation.
We offer a detailed review of the various types of retirement vehicles for small business owners, and conduct an analysis of your current enterprise to help determine an effective plan for your particular situation.
Tax Planning
We can help you take advantage of all of the tax-savings opportunities available. And, because we devote significant time to the field of taxes and tax planning, we stay abreast of changes to the rules and regulations, and are able to provide you with timely advice on the impact these changes may have on your particular situation. We also make recommendations of how to capitalize on changes in the tax code.
We can help you take advantage of all of the tax-savings opportunities available. And, because we devote significant time to the field of taxes and tax planning, we stay abreast of changes to the rules and regulations, and are able to provide you with timely advice on the impact these changes may have on your particular situation. We also make recommendations of how to capitalize on changes in the tax code.
Education Planning
Meeting the costs of higher education is a concern for many of our clients. We can work with you to help develop a realistic estimate of what those costs might be, and then develop an investment program that may help you meet those costs.
Meeting the costs of higher education is a concern for many of our clients. We can work with you to help develop a realistic estimate of what those costs might be, and then develop an investment program that may help you meet those costs.
Trustee Services
If you are responsible for managing a trust or estate, but are finding the administrative tasks too burdensome, we can provide you access to professional administrators to assume these duties. You still retain the fiduciary decision-making responsibilities, and we can manage the investment portfolio in accordance with the terms of the trust. If you are considering establishing a trust, we can work with you and your attorney to help you determine the most appropriate type to suit your needs, and provide advice on the selection of a trustee.
If you are responsible for managing a trust or estate, but are finding the administrative tasks too burdensome, we can provide you access to professional administrators to assume these duties. You still retain the fiduciary decision-making responsibilities, and we can manage the investment portfolio in accordance with the terms of the trust. If you are considering establishing a trust, we can work with you and your attorney to help you determine the most appropriate type to suit your needs, and provide advice on the selection of a trustee.
Client Communication
We believe one of the keys to a successful relationship is regular two-way communication. We actively encourage your input, not only on our service, but also about changes in your life or financial situation that may have an impact on financial plans that you have in place. We provide you with the ability to access your personal account information through our Web site, and to provide you with updates on industry news and events that we think you may find of interest.
We believe one of the keys to a successful relationship is regular two-way communication. We actively encourage your input, not only on our service, but also about changes in your life or financial situation that may have an impact on financial plans that you have in place. We provide you with the ability to access your personal account information through our Web site, and to provide you with updates on industry news and events that we think you may find of interest.
Mutual Funds
As part of our investment services offering, we have access to one of the largest mutual fund supermarkets in the industry. This allows us to select from more than 11,000 mutual fund share classes from over 400 fund companies to create a customized investment portfolio to help you meet your long-term financial goals.
As part of our investment services offering, we have access to one of the largest mutual fund supermarkets in the industry. This allows us to select from more than 11,000 mutual fund share classes from over 400 fund companies to create a customized investment portfolio to help you meet your long-term financial goals.
Investing with Individual Securities
For our high-net-worth clients, we create and manage portfolios of individual equity and fixed-income securities.
These may be both US and non-US based.
For our high-net-worth clients, we create and manage portfolios of individual equity and fixed-income securities.
These may be both US and non-US based.
Alternative Investments
For investors who meet the eligibility requirements, we can help provide you with access to a range of alternative investment vehicles. These are generally unregistered instruments, and are normally of interest to individuals who are looking for investments that have low correlations to traditional large-cap indices and other benchmarks, or who are simply looking for greater diversification in their portfolios.
Because of the risks and complexity that are inherent in these types of products, you must meet certain criteria regarding net worth, income, and other requirements as defined by federal securities regulations.
For investors who meet the eligibility requirements, we can help provide you with access to a range of alternative investment vehicles. These are generally unregistered instruments, and are normally of interest to individuals who are looking for investments that have low correlations to traditional large-cap indices and other benchmarks, or who are simply looking for greater diversification in their portfolios.
Because of the risks and complexity that are inherent in these types of products, you must meet certain criteria regarding net worth, income, and other requirements as defined by federal securities regulations.
Annuities and Insurance
As part of our thorough planning program, we help you determine if you need to supplement, or protect, your projected retirement income stream. Annuities and insurance products are often considered in these cases, and we will work with you to select the most appropriate type to meet your needs.
As part of our thorough planning program, we help you determine if you need to supplement, or protect, your projected retirement income stream. Annuities and insurance products are often considered in these cases, and we will work with you to select the most appropriate type to meet your needs.
Cash Management and Lending Services
We offer a wide range of services to help you manage and monitor your liquid resources as effectively as possible. Some examples of these services include checking and debit card options; margin borrowing capability should you wish to leverage the value of your existing investment portfolio.
We offer a wide range of services to help you manage and monitor your liquid resources as effectively as possible. Some examples of these services include checking and debit card options; margin borrowing capability should you wish to leverage the value of your existing investment portfolio.
Charitable Giving Services
If you are serious about financially supporting a favorite charity, having an investment portfolio managed specifically for charitable giving purposes may enable you to maximize the tax benefits of making regular charitable contributions. We will work with you to develop the most appropriate program to help you achieve your charitable giving objectives.
If you are serious about financially supporting a favorite charity, having an investment portfolio managed specifically for charitable giving purposes may enable you to maximize the tax benefits of making regular charitable contributions. We will work with you to develop the most appropriate program to help you achieve your charitable giving objectives.
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