How We Stand Out From Our Competition
 
We stand out from most of our competitors in several ways.  First, we are compensated mainly by fees** paid by our clients thereby allowing us to work in our clients’ best interests and solely for them.  In other words, we act in a fiduciary capacity when advising our clients.  Unlike us, many of our competitors receive the bulk of their compensation (commissions) from the products they recommend. 
 
The second major way in which we stand out from our competitors is that we work as a team for our clients, providing personal attention every step of the way.  In most firms, each advisor has his or her own set of clients.  While any two advisors in the same firm may operate in a somewhat similar manner, clients many times receive two different levels of service as well as quality of advice.  At Financial Planning Consultants, all clients are firm clients and are counseled in the same manner. All clients receive the same innovative level of advice and hands-on, courteous service.  Each of our advisors specializes in a different area and works on the clients’ behalf in a concerted manner thereby ensuring the quality of advice and level of service we are providing.  Also, we take over the time-consuming task of managing client’s affairs among multiple advisors both internal and external to Financial Planning Consultants.  We are always eager to work with a client’s existing advisors to recommend strategies that seek to address our client’s needs.  Should a client need an advisor in a particular area that requires expertise that Financial Planning Consultants does not provide, (for example, a labor attorney, if we were counseling a business), we will recommend a prescreened professional who can assist in this area.
 
We further stand out from our competitors in that we create customized solutions for our clients.  One simple example of this is, oftentimes, our clients come to us with investments, which have a low cost basis.  At many of our competitor’s firms, they would simply sell the asset and fit the proceeds into their investment offering.  At Financial Planning Consultants, a comprehensive analysis of all securities as well as their tax ramifications would first take place, and then be discussed at length.  A strategy would then be developed and agreed upon by the client.  If a particular security no longer fits the portfolio, a plan of attack would be developed to liquidate it.  Typically, securities with a low cost basis would be whittled down over time, utilizing losses from other securities. 
 
Not only do we have a number of investment management* offerings, which can be tailored to each client’s needs, but we are constantly on the lookout for new investment strategies, which we can offer to our clients. 
 
 
Our Expertise And How It Impacts Our Client's Financial Situation
 
Due to our extensive professional contacts, we have incorporated and improved the “best practices” of numerous advisory firms from across the nation into our Wealth Advisory Services package. 
 
Also, unlike most advisory firms, we offer expertise in all key areas of Wealth Advisory Services including: Income Tax Planning, Investment Management*, Estate Planning and Trust Services, Asset Protection and Insurance, Expense Management and Reporting, and if applicable, Philanthropy, as well as Business Advisory Services.  This expertise allows our financial advisors to deliver appropriate personalized advice and is provided without conflicts of interest. 
 
At Financial Planning Consultants, we also add value for our clients by keeping abreast of industry and legislative changes, providing staff members with continuing education and training programs, and addressing each client’s situation on an individual basis.  We are committed to establishing trust, respect, and a lasting partnership with our client.  We value our long-term client relationships as advisors, partners, and in many cases friends. 
 
It is no secret Financial Planning Consultants, Inc. is well known as a comprehensive financial planning firm. However, we realize our services are not right for everyone. As a result, we have found it helpful to provide you with a list of the services we strive to provide our clients.

Financial Independence Our clients don't want to be on the "bleeding edge" owning possible high-return investments (with this comes high risk); they want financial confidence. Our clients do not want to be involved in the frantic activity associated with short-term trading or in the gambling element that can be injected into investing. We seek to help our clients achieve financial independence by providing sound, cost-effective investments using the same investment strategies as large institutions such as pension funds and major charitable organizations.

Individualized Attention Our clients want to work with someone who takes their individual circumstances into account when giving them advice. Financial Planning Consultants takes the time to develop an overall view of each client's unique financial situation. We are a small firm using a team approach to get to know each client personally.

Investment Expertise We are full-time professionals with specialized education and years of experience in investing and solving various financial issues. Our clients know you cannot develop adequate investment skills from reading consumer finance magazines on the weekends, browsing the Internet, or watching CNBC.

Objective Advice We always provide 100% objective advice, not sales talk. Most who offer financial and investment advice are product salespersons of one kind or another. The only thing we "sell" is our expertise and experience.

Teamwork We work as a team for our clients, providing personal attention every step of the way. All of our clients are firm clients, and are counseled in the same manner. All clients receive the same innovative level of advice and hands-on, courteous service. Each of our advisors specializes in a different area and works on the clients’ behalf in a concerted manner thereby ensuring the quality of advice and level of service we are providing.
 
 
 
**Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities.  To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account.  Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs.  A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part II as well as the client agreement.