Consulting and Services
You’re might have questions about your investments, taxes, insurance, budgeting, debt,college funding, estate planning and more. You want to know how to achieve your financial goals. You want a road map in a language you understand and feel comfortable with.
I am in the business of helping my clients meet their financial challenges and overcome them. I do this by using a total wealth management approach. I take time to understand your goals and what’s really important to you. I look at your spending and your savings. I study your investments, insurance and much more. Each area is important individually, but managing them all collectively is one of the most important considerations in your overall financial success. By understanding your objectives, staying in contact with you throughout all market conditions and making investment adjustments as economic or lifestyle conditions warrant, I maintain a constant commitment to putting service first.
As a CERTIFIED FINANCIAL PLANNER™ practitioner, I’ll take time to understand your objectives and comfort level. Then, I’ll suggest from a number of independent investment strategies that best meet your needs.
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Wealth Critique
Get the advice you need to fix and improve your current situation and solidify your financial future.
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One Hour Consulting Calls
Talk to Neal, ask questions, get ideas and answers.
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Financial Plan – Retirement Plan
A complete retirement plan including an assessment of where you are now, where you want to go and how to get there.
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Asset Management
Starting with an in-depth conversation to understand your financial needs, goals and risk tolerance, Neal will design a portfolio that will help you achieve your goals and stop worrying about your investments.
My services include:
- Retirement planning – to design an investment strategy to help you meet your retirement goals
- Investment portfolio analysis – to keep you informed of how your investments are performing, and to make adjustments as needed
- Mutual Funds, Exchange Traded Funds (ETF’s), Unit Investment Trusts (UIT’s)
- Financial Planning
- Asset Allocation
- 401k Rollover and 401k Analysis
- College Savings Plans (Including estimated costs)
- Individual Retirement Accounts (Traditional and Roth)
- Business Retirement Plans (401k’s, Sep and Simple IRA’s, Cash Balance Pension Plans)
- Life Insurance
{ 11 comments… read them below or add one }
requesting free 20 min consult
Sorry Rajat, that’s no longer being offered….
Neal, I recently read your article published on yahoo news titles “4 life policies you shouldn’t buy.”I agree with all but 2 of your points. One, never buy life insurance on children. Most “legit” permanent policies come with a GIO rider which guarantees the insured future life insurance regardless of insurability. This can be very useful if the child becomes uninsurable during their maturity into adulthood.
Two, never buy permanent insurance unless your rich and need it for estate purposes. I don’t understand your stance on this unless your trying to make a name for yourself as the next Dave Ramsey and need a “stiche” to separate you from the vast majority of financial planners who feel that permanent insurance for the right individual can be a long term “conservative” investment strategy or estate planning tool. The benefits of permanent life insurance as you know or should know are long. To say that no one would benefit from it in an open forum like Yahoo News is socially irresponsible. I expect you would have no problem telling an investor that they need to diversify as much as possible and to avoid putting all their money in one basket such as individual stock? Permanent life insurance is just one more tool in a financial planners toolbox and if done properly can yield significant returns. Permanent life insurance should not be purchased at the expense of one’s main retirement portfolio but can be used in addition to a fully funded retirement/Roth IRA.
I stand by my recommendations not to buy insurance for children and not to buy whole life.
I have explained these two points in detail on the site.
Dear Neal,
If so, what are your fees and how to you propose communicating with us in another state?
My husband and I are interested in your consulting services. We live in Michigan and are entering retirement age. We don’t have a large portfolia – just wondering if you work with poor people like us?
Thank you for this consideration – we look forward to hearing back from you.
Gratefully,
Fred and Marsha Sweet
Grand Rapids, MI
Marsha, I’m not sure if I ever responded to you. I would be delighted to see if there is a match. Please let me know if you are still interested. I can be reached at neal DOT pilgrim AT gmail.com
thx
Neal
Neal,
I purchased the YNAB product through your link and would like to obtain the Money Academy for Couples book that you offered if a person purchased using your link. Thank you.
Yes. I will send it right out.
Mr. Frankle,
My wife and I have been retired for 10 years. Each of us has a pension from NYC as retired teachers and we each receive $15,000 from social security. We live in Florida and the house is all paid off. We have zero debt.
Within the next two years we will be required to begin taking our RMD and we do not know what to do with the money. As it is, we are unable to spend the money that we take in each year. Maybe we should increase our life style, but after 67 years of living one way, that is hard to do.
I have an $800,000 403b for which I receive a flat 7% each year and my wife has a smaller amount. However, when I begin to take my RMD, as I said, I have no idea what to do with this extra money….money that I am adverse to risking.
Can you point me in a direction?
Thank you.
I believe I can. I think this is a bit more involved than a few email exchanges however. Would you like to speak offline? If so, please email me at neal DOT pilgrim AT gmail.com Thanks,….Neal
Mr. Frankle,
Sir, I am a younger gentleman and quite interested in finance. I feel that I do a decent job traking my finances, where it is I spend money and from where I earn it. I save a portion of each pay check, I have little debt, I invest a lot and monitor my portfolio frequently and actively.
I am 24 years old and an Active Duty military officer. I DO NOT want to work until my 60s, not even my mid 40s. I also recognize I need some neutral insight into my finances but I have no idea what kind of help I might need. A financial plan? A retirement plan? I have no idea.
I would greatly appreciate any insight you could provide me on where and how to get the ball rolling, sir.