Finance CAPE was created to serve accredited investors in developing their wealth-building blueprint and ensure seamless execution of their financial plan. Whether you’re a new family, a business owner, or an individual planning for retirement and beyond, we’ll identify your obstacles, create your solutions, and spearhead your wealth-building for years to come.
Without a written financial plan that canvases each phase of your life, you’re simply making a judgement call based on how you feel about your investments. Every client we work with has a robust financial plan that has been thoroughly stress-tested. Stress-testing against unforeseen events like a spouse passing away, inflation running wild, stock market crashes, or an economic recession is crucial because of the stability, direction, and confidence that it provides.
The plan. Right? But that’s probably not the way it’s been in your experience. Isn’t that strange? You sit down with someone to do retirement planning and you hear information about investments.
Some people sell, some people offer retirement planning and investment advice. They’re both technically financial advisors, but their business models aren’t the same. Individuals acting as registered representatives of a broker dealer are not subject to the fiduciary standard. As a general rule, they’re paid a commission each time they buy or sell you a stock or other investment product.
At Financial CAPE, we have a fiduciary obligation to you – our client. Your best interests are always placed first when we provide advice or recommend where to put your money. There’s a line in the sand and we’re on the other side of it – we have a legal obligation to do what’s right by you!
To understand your financial picture we need to know your income, assets, expenses, desired retirement date and desired retirement quality of life. This allows us to create an initial framework of what your financial canvas looks like and gives us the raw data to begin crafting your plan. We also will explore current tax reduction opportunities within your financial canvas that may assist in reaching many of your financial milestones sooner than later.
After establishing goals together, we’ll draw up a comprehensive plan that also includes a hedge against inflation so that your income keeps pace with rising expenses.
Once the plan is crafted we still stress-test it together. It is important that we go through each potential scenario so you have a clear understanding of what variables can affect your plan and the contingencies that have been built to hedge any unexpected shifts.
The plan will also serve as the framework to guide discussions with your preferred CPA, Estate Attorney, Banker, as well as any other advisor who has an interest in your financial well-being. Our job is to not only create the plan but to also coordinate with your preferred advisors to execute the plan.
Don’t forget, if you are not happy with your current CPA, Attorney, or Bank, we are happy to provide vetted professionals who work with us on a daily basis and are on the cutting edge of financial strategies and literacy.
PO Box 1310
Riverview, FL 33568