What can I offer to clients?

• Do you feel unsecured about your retirement? Are you concerned about Social Security benefit when you retire. As a Certified Financial Planner and a Chartered Financial Analyst, I can help you on both retirement planning as well as portfolio management.
• Do you feel too late to get into the stock market after rally and regret getting into stock market too early after market plummeted? Are you confused by headline news and different and contradicting predictions of market pundits? It is my job as a CFA charter holder to help clients to adopt a disciplined approach to invest in equity market. And I will try to leverage my knowledge and expertise to outperform the general stock market.
• Are you overwhelmed by various aspects of personal financial planning, including saving/budgeting, taxation, insurance planning, education planning, retirement planning and estate planning. I would work with clients to construct a comprehensive package to address all personal financial issues.

Equity asset management

For clients with more than $100,000 cash to invest stock market, I can help to build a well diversified portfolio. My goal is to outperform the general stock benchmark, S&P 500.

My fee would be 1% of asset under management per year but the fee will be waived if

Client’s return is less or equal to S&P 500 index return; 2) Client’s balance is lower than his/her previous year’s balance.

Retirement account management

This service would best fit for clients with retirement plan to invest in mutual funds, but not individual stocks. The fee would be 0.5% of the asset under management if the asset exceeds $100,000 or $500 if the asset is under $100,000 per year. Because my selection is restricted by the choice of mutual funds and client’s retirement horizon, I cannot use S&P 500 as benchmark, but my fee will be waived if a client’s retirement account asset has not grown excluding client’s contribution and distribution.

Comprehensive Financial planning

I would help clients on saving and budgeting, insurance planning, college education planning, retirement planning as well as estate planning. Financial planning is a dynamic process. Your financial goals may evolve over the years due to shifts in your lifestyle or circumstances such as an inheritance, career change, marriage, house purchase or a growing family. As you begin to consider how best to manage your financial future, you should feel confident knowing that with a CFP® professional, you are working with someone committed to providing the highest standard of financial planning. My financial planning fee is $100 per hour.