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Get ready to take control of your finances.
"Helping clients pursue their current and future financial plans / goals using long term planning to bridge the gap between today's reality and tomorrow's dream".
We believe everyone can benefit from professional advice. As your advocate, we help you make informed financial decisions so that you and your loved ones may live a more fulfilling life. Our personal and professional experience has motivated us to support the individuals, families and businesses who support those within the special needs community.
Our Approach
At First Then I.F.S., we work with our clients to assist in determining:
Target Goals (both present and future)
Whether the goal is specific in nature for today (family security in event of an untimely disability or death or creating a savings plan), or in the distant future (What does your ideal retirement look like, leaving a legacy to your heirs, or having your child live as independently as possible in the future after your passing)
A Plan of Action
What are the necessary steps to achieve your goals and reverse chaining (organizing the steps needed) in a “SMART” manner utilizing the financial planning process.
· Specific
· Measurable with Measurement
· Achievable
· Relevant
· Time-Oriented
Remember, the focus is on the desired OUTCOME!
What is an RIA (Registered Investment Advisor) – Why choose a fiduciary?
The RIA side
Regulated directly by the Securities and Exchange Commission (SEC), RIAs are considered to be acting in a fiduciary capacity, and so held to a higher standard of conduct than registered representatives. This fiduciary standard mandates that an RIA must always unconditionally put the client’s best interests ahead of his or her own, regardless of all other circumstances.
What Is a fiduciary?
A fiduciary is a person or organization that acts on behalf of another person or persons to manage assets. Essentially, a fiduciary owes to that other entity the duties of good faith and trust. The highest legal duty of one party to another, being a fiduciary requires being bound ethically to act in the other's best interests.
Key Takeaways
· Investors seeking an independent financial professional to help with advice and investments can choose between independent broker-dealers and registered investment advisors (RIAs).
· Independent broker-dealers function as full-service brokerage firms but remain free from the constraints and demands of a large Wall Street company.
· RIAs are independent fiduciaries who may associate with several broker-dealers, selling a range of products and services.
About First Then IFS…the meaning behind the name!
At the beginning of any behavioral intervention program or plan for a child with developmental disabilities, therapists will teach the family a simple strategy called “First Then”.
It is a simple behavior analytic strategy to help increase desired behaviors or outcomes:
· First – Directing the child to do the desired task to reach an end goal (something needed to do).
· Then – The reward for accomplishing the completed task or the desired activity and the outcome is the reinforcer (the intended target goal).
As a father of a son with Autism, I understand how everyone has unique needs. My personal experience as both a parent and a provider within the special needs community led to the creation of First Then I.F.S.
The same strategy detailed above goes hand in hand with financial planning, be it an individual, the family unit, or a small business...keeping in mind that the focus of today will impact the outcome of tomorrow.
Our Practice
We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. We have created this website to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. Most importantly, we hope you see the potential value of working with professionals to pursue your financial goals.
We're here to help educate you about the basic concepts of financial management; to help you learn more about who we are; and to give you fast, easy access to market performance data. We hope you take advantage of this resource and visit us often. Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information, and we wouldn't want you to miss any developments in the area of personal finance.
