Presentation on theme: "Welcome to Raymond Patsy and Associates, LLC"— Presentation transcript:
1 Welcome to Raymond Patsy and Associates, LLC Providing Financial Planning and Investment Management ServicesSecurities and Investment Advisory Services offered through H. Beck, Inc. • Rockville Pike • 4th Floor • Rockville, MD. 20852 Tel: (301) • Member FINRA/SIPC Raymond R. Patsy, CFP is a Registered Representative of H. Beck, Inc which is unaffiliated with Raymond Patsy and Associates, LLC.
2 We would like to take this opportunity to Thank You for considering Raymond Patsy and Associates, LLC for your financial planning and investment management needs.Following is a brief presentation outlining our financial planning and investment management services and the benefits you can expect when you retain our firm for your financial planning and investment management needs.
3 Our Company is an independent fee-based financial planning and investment management company providing services to individuals, professionals, and business owners. We utilize a team approach in developing, implementing, and monitoring a client’s financial plan and investment portfolio.Our Mission is to partner with our clients to establish and achieve their financial and life goals through objective financial planning and investment management and to provide our clients with the highest level of service and technical expertise in the building, management, and preservation of wealth.Our Clients share in the realization that, by coordinating and managing today’s financial decisions, they can achieve their goals for tomorrow. Our clients usually have no desire to manage their financial affairs on a daily basis, want to simplify their lives, and are highly motivated to work with and willing to enter into a long-term relationship with experienced professional advisors.Our Client list includes attorneys, consultants, surgeons, engineers, podiatrists, business owners, and individuals in Maryland, Virginia, Arizona, Indiana, South Carolina, New Hampshire, Florida, and Brussels, Belgium. We are securities licensed in Maryland, Virginia, Arizona, New Hampshire, and South Carolina. We do not measure success by performance statistics but rather by our clients’ success in achieving their goals.
4 Service and personal attention are the hallmark of Raymond Patsy and Associates, LLC. It is the defining quality that sets us apart from our competition. For over 23 years we have provided a coordinated approach to managing all aspects of our clients’ financial lives.The personal relationship that we have developed with our clients and their families has lasted and continues to last for years and, in most cases, decades.It is our goal to help you achieve your goals.In short, Raymond Patsy and Associates, LLC is service oriented. Our ongoing attention to our clients’ financial well being and our frequent communication with each of our clients distinguishes Raymond Patsy and Associates, LLC as a truly client focused company.
6 What is Financial Planning? Financial Planning is often thought of or confused with “Investment Planning”. InvestmentPlanning is typically the process of creating an investment portfolio and determining the specificassets (stocks, bonds, real estate, etc.) to be included in the portfolio.Financial Planning is comprehensive, ongoing process, that includes investment planning.It is the process of meeting your life goals through a coordinated “big picture” approach tomanaging and monitoring all areas of your financial life.These planning areas include:Cash Flow and Net Worth Analysis Investment PlanningCollege Education Funding Asset AllocationPersonal Income Tax Planning Retirement PlanningRisk Management (Insurance Planning) Employee BenefitsBusiness Financial Planning (For Business Owners) Estate PlanningOther areas unique to your situationEach financial decision you make in one of these areas will likely have an effect onother areas of your financial life.
7 Can I do my own Financial Planning and Investment Management? As most of us are well aware, financial planning and investment information is everywhere. Financial advice is available on the internet, in magazines, and on radio and television talk shows. This information can be informative; however, for most individuals it is very often fragmented, contradictory, and lacks context for your personal situation. In addition, since most of us face time constraints from overloaded, busy schedules, taking the time to gather, objectively evaluate, and apply this fragmented information into a workable plan can be an overwhelming project for most individuals.Even if you have time in your increasingly busy schedule to listen to some of this information, you will very often find the “advice” from one source is completely contradictory to another source.
8 How We Can HelpAt Raymond Patsy and Associates, LLC, you are the focus of the financial and investment planning process.Our process is devoted to you and your family and to finding solutions to your financial concerns by providing objective and unbiased advice.We will take the time to help you understand the entire "big picture" of your financial life and help you understand the importance of how each financial decision you make affects other areas of your financial life.The financial plan and investment portfolio we design for you is customized based on your specific goals, priorities, and needs.It is not based on a “hot new stock or mutual fund” or the “newest insurance policy” or any specific financial product. It is based on what is important to you.Our approach to financial and investment planning will bring clarity, organization,direction, and meaning to all aspects of your financial life.
9 What financial planning issues most concern you What financial planning issues most concern you? What questions would you liketo have answered with objective unbiased advice?When can I retire? Will I have enough money to retire?How much money will I need to live comfortably in my retirement years?How much will college cost for my children? How much do I need to save?Do I have the correct amount and types of insurance?Do I have a system, the time, and the knowledge to monitor my financial progress over the years?Do I really understand investment asset allocation and how to make the most appropriate choices for my investment portfolio?In the event of my death or incapacity, would my heirs, guardians, and/or trustees know where all important financial documents are located?Am I comfortable with the guardian and trustees I have named in my will and their ability to protect my minor children?Am I comfortable investing large sums of money such as a 401k distribution or an inheritance?How do I know I’m making the correct financial decisions for me and my family?Our “8 Minute Financial Checkup” will help you evaluate financial planning and investment management issues you may not have considered. To request a complimentary copy of the “8 Minute Financial Checkup” visit our website at
10 The Financial Planning Process is an ongoing process which follows the six steps below: Establishing and defining the client-planner relationshipGathering client data, including goals and planning assumptionsAnalyzing and evaluating your financial statusDeveloping and presenting financial planning recommendationsImplementing the financial planning recommendationsMonitoring the financial planning recommendations
12 Here are some of the benefits you can expect when you retain Raymond Patsy and Associates, LLC as your Financial Planner and Investment Manager.As part of the of Raymond Patsy and Associates LLC family, you will have the confidence that you are making informed decisions that are the right financial decisions for you and your family.You will have the benefits of clarity, organization, direction, and meaning in all your financial decisions.You will have peace of mind that you are on track and have a roadmap to reach your most important lifetime goals.By retaining the services of the experienced professionals at Raymond Patsy and Associates, LLC, you will enjoy a return of one of your most valuable assets - "time”: time to spend with your family, your children and grandchildren; time to spend at a future vacation home or time to take an extended cruise.By implementing an ongoing proactive approach and coordinating and managing today's financial decisions, you can leave a lasting legacy to your children and grandchildren.You will gain confidence in all your financial decisions and will better understand the impact of your financial decisions on all areas of your financial life.You will be able to delegate the responsibility for managing and monitoring your financial plan and investment portfolio to experienced professionals.
13 How should you select a Financial Advisor? By meeting some licensing and regulatory requirements, most individuals can callthemselves a “Financial Advisor”; however, not all “Financial Advisors” have earned theCertified Financial Planner® designation.When selecting an advisor to help you plan your future and/or manage your investmentportfolio, considered selecting an individual who has earned the Certified FinancialPlanner® designation. Some of the rigorous requirements to earn and maintain the CFP®designation include:100 topic Education curriculum2-day, 10-hour ExaminationMinimum of 3 years ExperienceAdherence to a Code of EthicsAdherence to Practice StandardsRenew certification every 2 yearsContinuing education (30 hours every 2 years)Disclosure of ethical/criminal findings
14 If you are considering retaining a CFP® for Financial Planning and/or Investment Management Services, the following brochures can help you in the selectionprocess.Ten Questions to Ask a Financial PlannerWhy You Should Choose a Certified Financial Planner®Your Rights as a Financial Planning ClientYou can view and download these brochures atAt the website, go to the “Client Center” > “Financial Education”. You may also request a brochureas a pdf by contacting us at
15 Checking Up on a Financial Planner You can check the disciplinary history of a planner you may be considering by using the followingwebsites:Certified Financial Planner Board of Standards (888) /North American Securities Administrators Association (202) /National Association of Insurance Commissioners (816) /Financial Industry Regulatory Authority (800) /Securities and Exchange Commission (202) /
16 In SummaryRaymond Patsy and Associates, LLC is an independent fee-based financial planning and investment management company providing a broad range of client planning services.Whether you need help with basic cash flow planning or an objective analysis of your insurance portfolio, from starting an IRA to multi-million dollar portfolio management, or advanced tax and estate planning strategies, and everything in between, Raymond Patsy and Associates, LLC can provide you with objective, unbiased advice to help you plan your future and achieve your lifetime goals.
17 Our Planning FeesAll our Financial Planning services are provided on a fee-for-service basis. Fees are calculated on a fixed fee or hourly basis. Fixed planning fees provide a financial planning engagement of between two and six months (at the client’s option). All financial planning and follow-up correspondence on any planning issue is covered by the fixed fee for the duration of the planning engagement.The fee is calculated as a percentage of the client’s annual income or net worth.Our planning fees are not contingent on the purchase of any financial products or the implementation of any plan recommendations with our company. We do not sell any insurance products related to the recommendations in financial plans and we do not require you to implement planning recommendations with our firm.We welcome the opportunity to work with your current advisors (insurance agent, accountant, etc) in helping you implement planning recommendations.
18 To Contact Us: Raymond Patsy and Associates, LLC Mailing Address: P.O. Box 489Lisbon, MD 21765Tel: • Fax •Website:If you would like to receive our monthly E-newsletter with Financial Planning and InvestmentManagement strategies, please send and to with“E-newsletter” in the subject line.Securities and Investment Advisory Services offered through H. Beck, Inc. • Rockville Pike • 4th Floor • Rockville, MD. 20852 Tel: (301) • Member FINRA/SIPC Raymond R. Patsy CFP is a Registered Representative of H. Beck, Inc which is unaffiliated with Raymond Patsy and Associates, LLC.
19 A Final Thought“Wealth should not be measured by the amount of money you have but rather by theamount of things you have that you would never take money for.”Unknown