Accomplishing your financial goals is a marathon, not a race, and even if you're already financially fit it helps to have some coaching along the way.
My goal is to save you time so that you can focus on the parts of life you are passionate about, while your investments are managed with objectivity and professionalism.
Broadly speaking, I offer two services. First, I'll develop an investment approach based on where you would like your future finances to be.
Second, after we have quantified your goal, I'll implement a strategy which can help to get there. This may involve selecting a portfolio of securities (stock, bonds, mutual funds) which I will monitor and advise you on over time. I do not offer tax preparation or legal advice.
I'm licensed in the state of California as an independent life and health agent (Lic #0K76374) and in other states as well. As an independent insurance agent, I can present options from many different highly-rated insurance companies without bias toward any particular one.
Your investments and insurance protection are separate but equally important parts of your family's overall financial strategy, and I'm happy to be able to assist you with both.
My life and health license covers life insurance, disability, long term care and annuity products. I am not licensed for commercial or property insurance.
There is a growing interest in investments which also support certain environmental, social, religious, or corporate governance goals. If some values are particularly important to you, we can include them as criteria when developing your financial strategy.
Every person is different in this regard so there is no one-size-fits all socially responsible investment portfolio. If you wish, we can identify priorities so your investment monies are targeted at areas that align with your values.
At a minimum, please bring a recent (within the past 12 months) statement from any investment accounts you currently hold, whether retirement accounts or otherwise.
Over time, the following documents may also be relevant:
Please note that these more detailed financial documents are not required for our initial meeting. Their primary purpose is to eventually create household cash flow and net worth estimates as we advance farther into the retirement or investment planning process.
I do not set specific account minimums to work with clients. My general philosophy is that it matters what your assets will need to be in the future in order to accomplish your goals, rather than what you have today.
To reschedule, 48 hours advance notice is appreciated. Call or send me an email!
Investors should carefully consider the investment objectives, charges and expenses of any Mutual Fund or Variable Annuity before investing. For a prospectus containing this and other information call your financial representative. Please read prospectus carefully before investing.
Securities and Advisory services offered through GWN Securities, Inc. A Registered Investment Advisor. Member FINRA/SIPC. 11440 N Jog Road, Palm Beach Gardens, FL 33418. (561) 472-2700. Bormann Wealth Management and GWN Securities are non-affiliated companies.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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