A Financial Roadmap That Gives You Confidence
Facing sudden financial decisions after losing your spouse? You don't have to navigate this alone. Get the clarity and peace of mind you deserve with a financial plan designed specifically for your new reality.
30+ Years of Experience
Collaborative Think-Partner
Money-Back Guarantee
Sorting out finances after a loss is not easy.
Are you feeling overwhelmed?
Afraid of making costly mistakes?
Paralyzed by the fear of running out of money or becoming a burden to your family?
Everyone has an opinion about what you should do with your money – sell the house, move in with your kids, buy an annuity, get married again. Much of this advice is well-meaning but often flat-out wrong.
The truth is, no one should have to become a financial expert overnight during one of life's most difficult transitions.
Areas of Financial Planning
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Project your likelihood of achieving your financial goals
Develop and optimize retirement saving strategies
Optimize social security benefits
Analyze pension, IRA, and other distribution strategies
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Strategies to minimize current and future income taxes
Optimize distribution strategies from retirement plans
To Roth or not to Roth
*Please consult a qualified estate planning attorney to complete this process*
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Projections on future college cost
Recommendations on college funding vehicles
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Identify and develop a plan to reach your financial goals
Identify resources and time needed to reach your goals
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Determine your current surplus or deficit
Optimize cash flow; determine appropriate cash reserves
Prioritize how surplus should be used and address reducing expenses if needed
Guidance on which debts to pay first
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Identify wealth legacy wishes
Confirm beneficiary designations are current
Discuss gifting strategies
Analyze current estate plan documents
Suggest ways to minimize or avoid future estate taxes if necessary
Analyze the major risks that could have an adverse impact on your financial picture
*Please consult a qualified estate planning attorney to complete this process*
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Develop asset allocation strategies to meet your financial goals and risk tolerance
Analyze your existing portfolio and make recommendations to improve it with low-cost and better diversified investments
Guidance on rebalancing your personal and retirement accounts when needed
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Review and analyze whether employee benefits are being maximized
Consider and recommend various benefit programs for business owners
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Analyze the major risks that could have an adverse impact on your financial picture, such as premature death, disability, and possible long-term care needs
Financial Advisor Services
True Wealth Financial Life Planning
New (or soon-to-be) widows/widowers
Successful couples contemplating retirement
Social Security Planning
Identify Social Security claiming objectives
Analysis of the available scenarios and recommendations
Locate and inventory all financial components of your situation
Ensure the non-controlling spouse understands what and where everything is
Establish broad guidelines as to how the non-controlling spouse will gain the confidence to take charge with guidance from JSFA professionals.
Stand-by advisor
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Let's get to know each other well enough to decide if we should work together. I will ask about your family, your values, and your attitudes regarding money, retirement and how you expect to live over the balance of your life. You will leave with an understanding of the services I provide and how much those services will cost. You are encouraged to ask me anything. There is no charge or obligation for this visit.
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We have decided to work together - great! After completing the paperwork (contract, disclosures, etc.), we will deepen our understanding of each other’s approach to money. We will be identifying your unique frame of reference regarding money as well as establishing and clarifying your true values.
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You have started to get a feel that financial planning is more than just dollars and cents. Your life goals must be supported by your finances. Too often, we allow our finances to tug us along into a life we do not wish to lead. We are making real progress towards establishing your life goals as the primary focus of our work together.
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We will continue to work on creating your vision for your ideal life. We will summarize & clarify values, goals, priorities, concerns & transitions. We will be presenting our financial recommendations and showing how they support your life vision.
How It Works
About Jersey Shore Financial Advisors LLC
Hi, I’m Tom Duffy founder and principal advisor of Jersey Shore Financial Advisors LLC. I started this firm in 2007 as an alternative to the giant name brand advisory with the constant sales pressure telling me what I could do or not to do for MY clients.
Working with me means having a thinking partner who understands you are facing a whole new future that you probably didn’t plan for.
Let me be your guide as you clarify, organize and prioritize your financial life decisions.