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Cooke Financial Planning works with people from
all walks of life, providing Fee-Only financial planning and advice
regardless of their net worth, income, or investable assets.
We believe you don’t have to have a fortune to start building
one and today is always the best time to get started. Whether you
are building assets for the future or seeking to protect, enjoy, and
pass on the assets you already have, Cooke Financial Planning can
help you along the way.
We advise individuals, families, businesses and their employees on
many issues and needs including the following: |
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Retirement Planning
- What’s the best account type for me - 401(k), IRA, Roth
IRA, 403(b), etc?
- When can I retire?
- How much money will I need?
- Where should I invest my money with retirement in the near
future?
- What’s the best way to create an income stream?
- How can I protect my principal?
- I need to increase the participation rate for my company’s
401(k) plan.
- I need to help my employees make smarter investment choices
within the company 401(k) plan.
Personal Financial Planning
- What’s my net worth?
- I need a cash flow analysis and a personal budget.
- I need advice on managing my debt.
- Should I invest or pay down my debt?
- I would like a second opinion on my current financial plan.
College Funding
- What are the best investment vehicles to save for college or
other educational expenses?
- How much do I need to save monthly?
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Insurance
- Do I have adequate life insurance?
- What other insurance might I need to protect my family? Disability?
Long-Term Care?
Life Transition Planning
- I am recently married / I have a new baby / I have a new job
/ I recently lost my spouse – What changes are needed in
my financial plan?
- I just received an inheritance or just sold a home or other
large investment – What should I do with this money?
- My elderly parents need an objective advisor they can trust,
not a salesman who will push whatever product pays the highest
commission.
Investing
- I need a portfolio reviewed or designed.
- I would like a second opinion on my current investment strategy.
- I need ongoing asset allocation and money management.
- What are the best low cost index funds and ETFs for my portfolio?
- How can I avoid the most common investment mistakes?
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Why should I use Cooke
Financial Planning
As a Fee-Only firm, we work exclusively for you.
We don’t represent a financial institution. We don’t
sell products. We’re paid by you and you alone. We give sound,
objective advice. We disclose all charges fully and up-front.
As a Registered Investment Advisor, I am held to a fiduciary standard
to act in good faith and in the best interests of my clients. I
must ethically and legally put the interests of my clients above
my own. Registered representatives of financial institutions are
held to a much lower “suitability” standard. |
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Our Investment Philosophy
At Cooke Financial Planning, we believe in the following
fundamental principles when it comes to designing an investment
portfolio and making specific recommendations: The purpose of a
client's investment portfolio is to fund current and/or future financial
objectives.
- The design of the portfolio must take into account the client's
financial objectives, tolerance for risk, needs for current income
or liquidity, and special considerations such as income and estate
taxes.
- The appropriate allocation of investment assets for your goals
and risk tolerance is the most important component in developing
an investment portfolio.
- Investments selected within each asset class should be based
on modern portfolio theory, utilizing passive management techniques,
which have the benefit of minimizing unnecessary transaction costs,
overall portfolio fees, and taxation.
- We believe that a diversified, well-balanced portfolio, combined
with long-term buy-and-hold strategies, affordability and patience,
increases the likelihood that one will achieve his or her long-term
financial objectives.
The important thing to remember is that no one can predict the future.
Investment and economic "experts" provided with the same
information often come to different conclusions. We do not suggest
that we, or that any of the money or mutual fund managers that we
may recommend, will make the correct decision every time. We do believe,
however, that studying the historic trends and relationships of investment
classes and the philosophies and approaches of successful investment
managers can provide valuable insight.
If you are interested in our services or have any questions, please
call (215) 740-1895 or email
Info@CookeFP.com. We look forward
to hearing from you. |
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