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CFP Board Standing
(this shows our disciplinary history with the CFP Board of Standards).

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FAQS

ADV Form Part II
(this form is required by the Arizona Corporation commission, Securities Division for all Licensed Investment Advisors in Arizona).    

As a fee-only financial planning firm, we do not sell financial products of any kind. Because of this we offer solid, objective analysis and advice not "colored" by sales commissions or other incentives. Our fees are based strictly on the work we actually do.

Our firm is a Licensed Investment Advisor in Arizona, organized as a regular C Corporation. You may view, download or print our Arizona Corporation Commission SEC disclosure form, which is in Adobe Acrobat Format.

We Specialize in Personal Financial Planning

We use a modular planning process to focus on the most important aspects of your situation first, and then through continuous monitoring and review steadily work toward achieving your life goals.

Our modular financial planning process is designed to "drill" down into each aspect of your finances and really, your life, in a way that identifies the most important and most urgent needs and changes you should consider making in order to get you on track.

The major planning modules we use are:

• Cash Flow
• Net Worth
• Investment Management (Asset Allocation)
• College Planning
• Retirement Planning
• Estate Planning
• Risk Management (Insurance)
• Special Needs Planning

With information you provide which consists of your goals, objectives, present assets and liabilities, income & expenses and any special needs you have, we use these modules to create a strategy or plan to get you "on­track." As part of this initial work you receive a formal written report which describes any recommended changes we find and a specific action list.

You Can Complete the Work Yourself or We Can Do it for You

You decide how to make the changes we recommend. You can do it yourself or with your permission, we can complete them for you.

These changes may include:

• Revising your portfolio management strategy to address asset allocation or risk issues.
• Creating an investment policy and portfolio design tailored to your specific short and long term goals and risk tolerance.
• Changing 401(k) plan investment choices and contributions.
• Changing insurance deductibles, liability limits or income replacement levels.
• Modifying your present estate plan by creating a current will, living trust or other estate planning document.

In completing these changes for you, we will work directly with your attorney, tax preparer, insurance agent or other financial service professionals, as required.

Ongoing Monitoring Keeps You On Track

Once your financial plan is implemented it is important to monitor your progress to keep you "on track." Our annual retainer work includes:

• 24/7 access to our office for ongoing questions and problem resolution.
• Monthly monitoring of all investments in your portfolio.
• Ongoing buy/sell recommendations to maintain your asset allocation targets.
• An annual annual report that summarizes your progress toward meeting your goals. This report includes a detailed review of your portfolio's investment performance for the year and past years, changes to your financial goals (e.g. retirement or college funding updated projections), tax planning and management and also addresses any changes to your situation during the year which may require changes to your financial management approach. These changes create questions which typically include:

­  Should I refinance my mortgage?

­  Are Roth IRA conversions right for me?

­  How does my employer retirement plan changes affect me?

­  Should I buy or lease my next car?

We have no minimum client income or investment requirements. We do require that clients be firmly committed to the financial planning process and genuinely need our assistance.

We use a modular, building block approach to the six step financial planning process that is comprehensive, yet tailored to your specific needs. Our services cover the whole spectrum of financial planning topics including retirement planning, college funding, estate planning and investment management.

You Decide What You Need

Because of our modular approach, we can do as much or as little work as you require. Our fees are project based with a variable rate depending on the type and complexity of the work we complete for you. Commonly requested planning activities and their typical fee ranges are:

Our hourly rate for evaluating special circumstances is: $100/hour

We use a formal Letter of Engagement which describes the work to be completed and the fee to complete the work in all our client engagements. The terms are one-half the fee to begin the work with the balance due when you receive the final report and all of your questions are answered. The annual retainer Letter of Engagement is renewed annually, and is billed quarterly in advance.

Why Clients Decide to Work With Modular Financial Solutions, inc.

Today, our lives are far more complicated than our parents and grandparents. The ever changing tax laws, escalating college, education and health care costs and rapidly changing job markets have forced a new way of managing our lives. Add to this the fact that we are now living longer than previous generations and there is the very real risk that retirement may be just an illusion.

This is why many people have turned to Modular Financial Solutions, Inc. for their financial planning needs. We are dedicated to helping our clients achieve their life goals. People just like you.
If you need help in organizing your finances, you should contact us. We can help.

Next: What Makes Us More Than Just Another Advisory Firm.

CFP™, CERTIFIED FINANCIAL PLANNER™ and   are marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP™ Board's initial and ongoing certification requirements.