Personal Financial Management

Personal Financial Management is a financial “concierge” for busy professionals and business people who need more help than is usually available from a Certified Public Accountant or financial advisor.

Who

• Busy professionals, entrepreneurs, others with limited time, interest or experience in handling day-to-day financial matters
• People with complicated finances desiring personalized assistance
• Those needing personal budgeting and expense tracking
• Married couples needing segregation of separate and joint assets and expenses
• Individuals with “loan-out” corporations for personal services (entertainers, athletes)
• People who find they would rather focus on their careers or personal interests than paying bills and dealing with daily financial chores

How

• Saltmarsh, Cleaveland & Gund has assembled a talented team of professionals to design and implement a specific package of specialized financial services to attain one’s personal financial goals and relieve the client of much of the burdens of day-to-day management and record-keeping.
• A senior level account manager acts as a “quarterback” to coordinate the efforts of existing service providers (attorneys, insurance agents, stock brokers)
• Receive and review daily mail and correspondence to pay bills, respond to calls and correspondence
• 24/7 – a truly personal “on-call” financial relationship
• A services oriented program.  As a fee-only advisor, no commissioned products are sold

Types of Services Available

Planning Services

• Budgeting
• Investment Planning
• Estate Planning
• Tax Planning & Prep
• Retirement Planning
• Insurance Planning
• Education Planning

Accounting Services

• Cash Management
• Bill Paying
• Revenue Collection
• Debt Management
• Auto, Home Purchases
• Other Purchases
• Financial Reports

Business Management

• Consultations
• Tax Planning & Prep
• Customized Services
• Contract Review