• New Client Forms to Save You Time • Initial Information Packet • Service Options •
Client Forms
If you are interested in beginning the financial planning process with us, please download, print, and complete the following PDF forms and fax or mail them to our office. This preparation will save you time and money, as well as help us become more acquainted with your unique situation and needs. Please don't hesitate to call if you'd rather receive this preparatory packet by mail. Thanks! Paul
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Confidential Client Questionnaire - Size: 56Kb, 22 pages
This is an extensive profile of your present financial situation. By completing this questionnaire, we have the information we need to create a plan that is tailored to your specific financial parameters.
What Do You Want?- Size: 14Kb, 6 pages
This form is a very thorough life goals questionaire to make sure the plan we prepare for you is consistent with what you really want in life.
Investment Policy Questionnaire - Size: 20Kb, 5 pages
Investing is the art of balancing risk with return in a manner that lets you sleep at night while achieving your financial goals. Each investment client's portfolio is structured based upon responses to this questionnaire.
MAILING ADDRESS:
Integrated Financial Planning, P.C.
269 North Road
Durango, CO 81303-6430
Questions? Call Toll Free: 1.877.602.6739
Or local in SW Colorado: 1.970.259.6739
Fax: 970.375.6388
Initial Information Packet
Letter of Introduction
Thank you for your interest in my fee-only financial advisory and investment management services!
I bring to you a strong desire to understand your goals, needs and resources so well that I can assist you in developing a financial plan that will truly free you to live each day to its fullest - unencumbered with financial worry and preoccupation.
My background as a CPA for over 25 years, and my dedication of 100% of my time to helping clients with financial planning concerns as a Certified Financial Planner licensee, have equipped me, technically, to address the complexities of your financial concerns. More importantly, however, is my commitment to give you the very best service and ongoing support that will facilitate the realization of your goals, financially and beyond.
As a member of the National Association of Personal Financial Advisors, I have committed to serving you in a "Fee-Only" manner. This simply means that you will never have to worry about me making a recommendation to you because of the commissions or referral fees that I would receive. I will enter into a very clear advisory agreement with you in advance of any services provided that will outline our fee arrangements. I sell no financial products or receive no referral fees, thus allowing me to make recommendations solely in your best interests.
Thank you for considering me as your financial advisor! Whomever you choose, I wish you the best in taking control of your life and achieving all that you deserve.
Paul Lemon
Professional Biography
Form ADV II
Service Options
"Big Picture" Financial Projection
One of the most important services we offer is to provide an unbiased assessment of your personal financial situation. This process includes a face-to-face interview of one-two hours to review some basic financial information and discuss goals and objectives. Through this meeting and our subsequent computerized financial analysis, we are able to obtain an understanding of what areas are of most critical concern and priority. Finally, we meet one last time to review financial planning options and outline action steps that you, as client, will take to implement the suggestions decided upon.
Integrated Financial Planning offers its customized portfolios only to Retainer Clients. These portfolios are updated on a quarterly basis to reflect current market conditions.
"Big Picture" Projection (Hourly) Agreement
Financial Planning for Retainer Clients
A Comprehensive Financial Plan involves an overall look at a client's financial situation. Through face to face meetings with us and completion of a questionnaire, an understanding of unique goals, concerns, resources and future needs is obtained. The areas that are addressed in a comprehensive planning engagement are detailed in the highlighted paragraph headings below.
The beauty of looking at your overall financial situation in a comprehensive manner is that the decisions that are made truly integrate the overall needs of each client, rather than taking a more isolated view of a particular issue. For example, in some instances it makes more sense to keep a home mortgage in place, when the tax benefits and overall client investment risk tolerances are considered. As you can see, the mortgage decision needs to be made in conjunction with investment planning.
Fees for comprehensive planning are quoted on an annual retainer basis based upon the complexity of each client's financial situation. The annual retainer includes a full year's worth of financial planning and implementation assistance. A specific quote can be provided for this service after the Confidential Client Questionnaire is completed and reviewed.
Retainer Agreement
The following are specific services that are covered within a Retainer Engagement, based upon available time and prioritization, as fully addressing all of these areas may take several years.
Investment Advisory and Management Services
Many times investment advice is given by people that are interested in selling an investment. It is hard to know whether or not the sales aspect has somehow distorted the advice given. We feel that before any investment recommendations are provided, a thorough understanding of a client's overall goals and financial situation must be obtained. No commissions or referral fees are received by Integrated Financial Planning, P.C.
Investment Reviews include determining a client's true tolerance for investment risk and volatility. If you wish to have us assist you with ongoing investment management, a specific Investment Policy Statement will be drafted. This document will provide guidance for the investment decisions that are made over the long term.
Integrating professional asset management with thorough financial planning is a powerful tool to relieve clients from financial worry and accomplish objectives within their desired risk level!
Insurance Coverage Reviews
Insurance is critical in this day and age. Whether it is life, health, disability, property, long-term care, or liability coverage, insurance protection is a large component of one's financial obligation.
We can review existing insurance coverages for adequacy and for cost-effectiveness. Through my contacts with several sources of insurance products, I can obtain excellent coverage at a fraction of the cost that clients frequently are paying prior to consultation.
Special Project Funding
We all have things that are important to us and we wonder if we'll ever really be able to accomplish these goals. These may involve sending our children to college, going on a special trip, remodeling our home, paying off debts, or funding a special need or philanthropic cause.
We can work with you to achieve these goals. Many times these objectives are much more attainable than you ever realized, through the implementation of a thoughtful financial plan.
Cash Management and Budgeting
If life is a constant battle to just survive, it may be time to sit down with us and review what could be changed in the equation to start moving out of this "financial frustration" syndrome! Through a careful review of current patterns, recommendations can be made that will help shift you into a less stressful position around money issues. This attentiveness often ushers in an experience of living in a more abundant mindset.
The key is to work with someone who can begin to assist you in dealing with these issues in a supportive and non-judgmental way. A significant amount of time is spent setting up an effective budgeting tool that each client can use to monitor their actual spending in the context of their chosen financial plan.
Business Succession and Estate Planning
If you have worked hard all of your life in either building your own business, or in saving for the benefit of your heirs, unbiased guidance as to how to best transfer these assets to your intended beneficiaries rather than to "Uncle Sam" is critical.
My 30 years of experience in the tax planning profession provide me a good base from which to work in this area. I have also found that the relational and emotional issues beyond the financial are as critical as the tax and financial planning aspects of business succession and estate planning, and I take all aspects very seriously.
Other Financial Issues
There is no end to the list of financial questions that arise in our lives in the 21st Century! "Should I lease a car, or buy it outright?" "Should I have a 15-year or a 30-year mortgage?" " Should I use a Roth IRA or a regular IRA?" "Should I own this property jointly with my spouse or should we own it separately?"
The list is endless, and it helps to know that when questions come up that cause you concern, you can call us and get a straight, accurate answer.
Summary
One of the keys I have found to be critical in unlocking the enjoyment of life is attentiveness. The more attentive we are to our finances, the greater degree of freedom that we have from financial preoccupation or bondage. The goal of the planning process is to identify "What is" and then to formulate an action plan for dealing with that in a manner that is comfortable for each client.
For further information, please contact us at 970.259.6739 or email me directly at paul@paullemon.com
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