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We provide a range of services designed to help you make smart financial decisions and to take control of your financial future. Services are equally suitable for younger couples and individuals just starting out, those looking for second opinions, or those with more complex financial planning needs.
We work on a fee-only basis with no account or net worth minimums. We give a firm fee quotation in advance for the type of advice you seek based on the estimated amount of work that we believe will be involved.
We receive no compensation from outside parties, so our recommendations are not biased by commissions from vendors of financial products, including investment funds, insurance companies and estate attorneys. We believe our overall method results in clients receiving transparent, conflict-free and cost-effective advice and solutions.
Financial Planning
 This can constitute a comprehensive look at your financial situation or can be tailored to more specific areas of concern. For many clients, this service will pay for itself in less than a year.
Clients receive a written report detailing our specific recommendations and the supporting analysis, as well as scenario testing where necessary. We help our clients define their financial objectives while taking into consideration their investment time horizon, risk tolerance, tax situation and other unique circumstances. We then design tax and cost effective strategies to help achieve their financial goals. Analysis may include, but is not limited to:
- Budgeting, cash flow planning, and liability reduction strategies
- Net Worth calculation and analysis
- Retirement strategies, planning and selection of most appropriate savings vehicles
- Insurance needs analysis
- Education planning and selection of most appropriate savings vehicles
- Individually tailored Asset allocation/Investment Portfolio
- Specific fund recommendations designed to minimize taxes and costs
- Estate Planning needs analysis
- Proper framing and analysis of financial decisions
- Second opinions regarding a specific plan or product
In more complex situations, we may recommend bringing in tax or estate planning specialists. The client may deal directly with these specialists or we are happy to act on the client's behalf. We will not contact or employ the services of any specialist without the express permission of the client.
One of our main goals is to provide clients with the rationale behind our recommendations based on the latest academic and empirical evidence to ensure they are comfortable with the recommended course of action. We will also work with clients in implementing our recommendations (for those that desire or require it).
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Annual Review
 This is designed for our clients who have already received an initial financial plan. It includes a review of the client's financial goals, risk tolerance and unique circumstances along with an assessment of progress towards achieving their objectives within the context of the original plan. The client will receive written recommendations for any suggested modifications to the original plan.
We recommend that our clients review their plan on an annual basis or upon the occurrence of a significant life event. More frequent reviews are usually not necessary nor cost effective.
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Self -Directed Investment Management
 This service is for self-directed investors who want a professionally designed investment portfolio with the advantage of regular review meetings with a financial advisor.
Portfolio design is charged on a one-time fee-only basis. Ongoing advice is based on a quarterly retainer fee. For clients who already have a portfolio designed under an initial financial plan, they will only be charged the quarterly retainer fee for ongoing portfolio advice. There are no account minimums.
We do not manage your money, you do. We provide you as much or little guidance as you want on a quarterly basis. As your committed advisors, we make the recommendations - but you maintain custody of your funds and you make the final decision.
Services include:
- Investment of new money
- Tax-efficient distribution strategies
- Periodic rebalancing of asset classes
- Periodic review of funds
- Tax-Loss Harvesting strategies
- Annual review of objectives, risk tolerance and appropriateness of asset allocation
- The ability to consult with a professional advisor by phone, e-mail or in person
- Detailed, written recommendations in response to significant market-driven or life events
The real value of our services may be in ensuring that your investment portfolio stays on track with your overall plan. Because you want to preserve and grow your wealth, having a professional to partner with can give you the resources and perspective you need to reach your financial goals.
To schedule a complimentary Get Acquainted meeting, call us at +66 2 661-2716 or click here to contact us.
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Copyright ©2005 - 2008 Creveling & Creveling Financial Planning Limited, All rights reserved.
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