Our Services

Because clients are not all alike we tailor our services to your needs with three types of service. The Financial 'Strategies' program, the Portfolio 'Review & Second Opinion' program and the Financial 'Directions' program.

We invite you to review the programs and what each provides and decide which is right for you. And please call us if you have questions about how these programs work!

u Financial 'Strategies' Program

This is a complete financial plan. This kind of service is most appropriate for clients who need and desire an in-depth analysis of their financial needs, goals and future.

The 'Financial Strategies' program includes:

• Complementary 1 hour initial meeting.
• Discussion of client goals, time line and risk tolerance.
• Specific list of data and materials needed to begin review.
• Email/telephone consultation to discuss data collected.
• Written analysis and recommendations including:

Net Worth Statement

Cash Flow

Retirement Analysis - When can I retire?  How will I create sufficient income?

Portfolio Review

Asset Allocation

Portfolio Recommendations

Specific Investment Choices

Detailed Investment Process 

Insurance Needs Analysis - Life, Disability, Long Term Care

Estate Planning Needs Checklist

--College Planning

--Investment Management

• Two hour presentation meeting where all recommendations are discussed and reviewed in detail.
• Summary binder including all data discussed.
• List of recommend resources.
• Email/telephone assistance for 45 days after the presentation meeting.
• Newsletters and client letters.
• Client reminders regarding annual re-balancing, asset allocation and ongoing client needs.

Cost: $1,500 to $2,800, depending on complexity of situation (fee will be quoted at the free initial consultation meeting).

To Get Started:

• Call our office to set-up an appointment.
• Complete questionnaire and fax or mail to us 5 days prior to our first meeting.

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u Portfolio 'Review & Second Opinion' Program

Individuals who have been directing and managing their own investment portfolios sometimes want a review or 'second opinion' to be sure they are on the proper path toward their financial goals. The Portfolio Review and Second Opinion Program is meant to provide this kind of support advice. It is not a complete plan but instead designed to help you assess the current state of your investments and savings and determine changes needed to better direct you toward your goals.

Clients complete a Client Questionnaire and Risk Tolerance Questionnaire prior to our first meeting. This information is sent to the office 10 days prior to our first meeting.

The Portfolio Review & Second Opinion Program includes:

• Complementary 45 minute initial meeting.
• Discussion of Risk Tolerance and Goals.
• Specific list of data needed to analyze complete portfolio.
• Email/Telephone consultation as data is being analyzed.
• 1 ½ to 2 hour meeting to discuss recommendations (determined by complexity of portfolio).
• Portfolio review and recommendations.
• Specific list of investments and implementation detail.
• Written analysis and recommendations.
• Email/Telephone assistance for 30 days after presentation meeting.
• Newsletter and client letters for 2 years after meeting.

Cost: $900 to $1,900 depending on complexity of portfolio.

To Get Started:

• Call our office to set-up an appointment.
• Complete Client Questionnaire and Risk Tolerance and fax or mail it to us 5 days prior to our first meeting.

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u Financial 'Directions' Program

The Financial Directions Program is a one-time, financial planning session. It provides a two hour meeting where the clients can come to discuss the financial planning topic most important to them. It is not a complete plan but can serve as a way for those who are just starting out or are new to the Financial Planning process to obtain direction on limited topics. Clients complete a 'Client Questionnaire' prior to the face-to-face meeting. This information is sent to our office at least 10 days prior to the scheduled meeting to allow us to prepare for our meeting.

The topics you may choose to discuss might include:

• How should I invest in my 401k?
• What is the best way to set-up a budget?  
• Can we afford our first home? 

The 'Directions' program includes:

• A written summary of our discussion.
• A list of resources and materials.
• Email or telephone assistance for 15 days after meeting.
• Newsletter and client reminders for 2 years after meeting.

Cost: $540 (payable at the meeting)

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How to Get Started:

• Select the topics you would like to discuss.
• Call the office to set-up an appointment.
• 10 Days before appointment - please drop-off or mail the questionnaire and items needed for our meeting.

Our Mission

We are committed to providing timely, affordable, unbiased advice to people from all walks of life. Through professional, Fee-Only financial planning, we seek to empower our clients to make the best financial decisions possible to achieve their goals.

Please review the rest of the website and call to schedule a complementary initial consultation.

Norman Financial Planning, Inc.
802 East Big Beaver Road
Troy, Michigan 48083-1404
Phone: (248) 408-1990
Fax: (248) 258-5979
E-mail: discover@normanfinancial.com

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