Schedule Your Free Initial Consultation.
Located in Salem, Virginia, Just Financial Planning, Inc. offers you a free initial consultation between you and a Certified Financial Planner to review your financial situation. This is a one-on-one opportunity for you to discuss your concerns for estate planning, retirement planning, planning for the costs of long-term care, investment planning, tax planning, insurance planning, or college funding.

When it comes to financial planning, the earlier you start the more flexibility you'll enjoy later. So don't put it off. Call Certified Financial Planner Walter Kearns today to schedule your free initial consultation.

Making an Appointment for Your Initial Consultation.
Your initial consultation will last about two hours. There is no charge or obligation for this meeting. During that time, we will review your current financial situation.  To make to most of this time, we ask that you bring with you a list of items.

Making an appointment is easy. Call us at 540-389-0300 (Salem & Roanoke, Virginia area) or toll-free 800-664-1811 to arrange an appointment that is convenient for you. Once you have scheduled your visit, we will send you a confirmation letter, an easy-to-complete "Questionnaire Regarding Your Issues and Concerns," and an Agenda for the meeting. In the event you need to reschedule or cancel this meeting, 24-hours notice is appreciated.

Items Needed for Initial Consultation.
Below is a list of items you will need to bring with you for your initial consultation:

  1. A list of all assets and liabilities (real estate, mortgages, stocks, bonds, credit card debt, company-sponsored savings plans, etc.);
  2. Federal tax return for last year;
  3. the total of your monthly living expenses;
  4. a list of financial goals you would like to accomplish.

Questionnaire Regarding Your Financial Issues and Concerns.
After you schedule your initial consultation, a Questionnaire regarding Your Financial Issues and Concerns will be included in your confirmation package. For your reference, we have listed below the questions that are included in the questionnaire. Complete the questionnaire and bring it to your initial consultation.

For each item, you can select the best response from among:
Yes, No, Don't Know, or Not Applicable.

Tax Planning

  1. Is your income tax liability acceptable?
  2. Are you using all the legal tax loopholes to reduce your taxes?

Retirement Planning

  1. Are you already retired?
  2. Do you anticipate a rollover of company savings or pension distribution?
  3. Do you plan on retiring soon?
  4. Do you know at what are you would like to retire?
  5. Do you have enough money for retirement?

Educational Planning

  1. Do you have sufficient funds for your children's education?
  2. Is the invested money properly registered in the appropriate name?
  3. Do you plan on having children?
  4. Are there any other family members (ie. grandchildren) that you wish to assist with education funding?

Investment Planning

  1. Has your portfolio  been reviewed by an independent advisor?
  2. Do you have sufficient cash flow?
  3. Does your portfolio protect you from financial disaster?
  4. Do you have adequate asset diversification?
  5. Does your portfolio protect you from inflation?
  6. Does your portfolio match your risk tolerance?
  7. Do you plan on making additional investments?

Business Planning

  1. Are you using all the tax loopholes available for your business?
  2. Is your business tax planning coordinated with your personal tax planning?
  3. Will you acquire or sell a business?

Insurance

  1. Have you had an objective, independent review and analysis of your insurance?
  2. Do you have the right amount of insurance?
  3. Are you paying too much for insurance?

Company Benefits

  1. Are you taking full advantage of your company benefits?
  2. Have you done proper planning with company stocks?
  3. Do you expect an increase in income?
  4. Do you plan on changing jobs?
  5. Do you know if your company pension plan is adequate?

Estate Planning

  1. Do you have wills or trusts?
  2. Have you had your will reviewed recently?
  3. Do your wills have provisions for new family members?
  4. Have you done inheritance planning?
  5. Are you beneficiary of any trusts or wills?

Mortgage Planning

  1. Do you plan on moving?
  2. Do you plan on buying a home?
  3. Do you plan or need to refinance your home?
  4. Do you need mortgage and other financial analysis?

Overall Planning

  1. Do you need financial organization?
  2. Do you need budget planning?
  3. Do you spend enough time on planning your finances?
  4. Do you know what a Certified Financial Planner does?
  5. Have you set specific financial goals?
  6. Do you need a coordinated integrated financial plan?

 

Just Financial Planning, Inc., 1630 Roanoke Blvd., Salem, Virginia 24153 | Phone: 540-389-0300
© Copyright 2005, Just Financial Planning, Inc.  All rights reserved.

CALL US TO LEARN ABOUT:

 

Common Investment
Questions & Answers
Walter Kearns, CFP™, responds to your questions on financial planning, investing.

 

Call for Your Free Initial Consultation.
Can you be doing more? What about your family's long-term goals?

 

Big Goals for Growing Businesses.
Small businesses from Virginia to New Jersey turn to Just Financial Planning, Inc.

 

Our CFP Certification & Affiliations.
15-years experience and expertise in financial planning for you, your business, your family.
Walter Kearns, Jr., CFP Certified Financial Planner