Five Seasons Financial Planning

This holistic approach to advising clients ensures that the various facets of their financial lives combine harmoniously to achieve financial objectives. Unlike most other financial advisory firms, Five Seasons is Fee-Only. This means that Five Seasons does not accept commissions, fees or payments of any kind from mutual fund firms, broker/dealers, insurance companies, or any other third party.

Five Seasons Financial Planning is a Fee-Only investment advisory firm. The Fee-Only business model minimizes conflicts of interest, and so provides you with peace of mind in the knowledge that you are receiving unbiased financial advice.

And as a registered investment advisory firm, we (unlike insurance salespeople and employees of broker/dealer firms) have an unconditional "fiduciary obligation" to our clients, a legal duty to place your financial interests above and beyond our own.In my opinion, consumers of financial advisory services are best served by a Fee-Only financial advisor with a fiduciary duty to clients.

For Wealth Management clients, Five Seasons provides continuous supervision of retirement and investment accounts under management. Aside from ongoing investment selection, this may include dynamically rebalancing client portfolios, employing tax management strategies, and utilizing tactical asset allocation, if appropriate.

At Five Seasons, Wealth Management includes ongoing financial planning services. These services may include retirement planning and projections, tax minimization strategies, insurance needs analyses and reviews, advice on debt management and on education funding, and so on. Clients derive considerable value from this integrated financial planning.

Without a comprehensive process and policy for managing your financial affairs, you may not know if you can realistically expect to retire comfortably, support your children's educational needs, or achieve your other financial goals. A financial plan does not assure you will achieve all your goals.