cash flow management, tax liabilities management as well as achieving your life goals such as retirement, a second career or college funding. This approach is far more complicated than investment management and requires a clear understanding of the relationships that exist between all of these areas.

Because of our fee-only planning approach, we require no minimum net worth or asset size, since our fees are based strictly on the work we do for you. Our clients are mostly between 40 and 65 years old with a few in their early thirties and late 70s to late 80s. Their occupations range from office staff positions to highly skilled engineers and from sole proprietors to senior corporate executives. They are net accumulators as opposed to net spenders, have an optimistic outlook on life and are usually very goal oriented.

In short our clients are people like you who work for a living, have saved some money in a retirement account (or would like to spend their retirement savings prudently) and would like to send their children (or grandchildren) to college, prepare for the costs of long­term care, take care of their elderly parents and pass their assets on to their children, grandchildren or charity instead of the IRS.

If these are your interests and objectives, we can help you, regardless of how much money you have, your age, your income, health, marital status or occupation. The only requirement to become one of our client's is your commitment to the financial planning process and your desire to take control of your finances and your life.

Small Firm

Networked Experience

Modular Financial Solutions, Inc. is a small, privately held firm that specializes in personal financial planning. Since we cannot be experts in every aspect of your finances, we use a virtual network of financial professionals to address a specific area of your finances that may require additional knowledge and expertise. This virtual network consists of estate planning attorneys and paralegal firms as well as CPA tax consultants, insurance agents, and other financial professionals who may have expertise in a specific area, such as actuarial analysis of retirement plans. Because of this network our firm can provide competent advice for a wide range of financial issues that we all face in our personal lives as well as issues unique to running a small business.

Since financial planning is all we do, we continuously update our education to stay abreast of the rapidly changing field and are continuously upgrading our technology and services to take advantage of the latest tools and techniques. Thanks to the size of our firm, there are no large overhead expenses that would increase our fees and ultimately be of no benefit to you.

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