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PRE-RETIREMENT TOOLKIT

How much do you need for retirement? Not sure what you should be doing right now? Wondering if and when you can retire? Worried that your savings won’t last?

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WHO WE HELP


You’ve done a lot right in your financial life. However, your finances have become complicated and you no longer feel confident you are making the best financial decisions for your family.

You are looking looking for a competent professional you can trust to evaluate your situation, and provide unbiased advice about retirement, investing and/or education planning.

 

Weiss Financial Group provides financial planning for all stages of life


If you appreciate the value of good advice and are looking for a face-to-face relationship, you’ve come to the right place. We help:


Pre-Retirement through retirement

  • Company employees, IT professionals, and healthcare professionals with pensions, 401(k) plans and/or stock options.
  • Public service employees such as teachers, police officers, and other government workers with pensions and/or 403(b)'s, 457's, etc.

 

Life Events

  • Planning/Saving For Retirement
  • Financial Windfalls (i.e. insurance payout, inheritance, stock options)
  • Saving For College
  • Job/Career Changers
  • Loss of a Spouse

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ABOUT US


Scott Weiss, CFP® Photo

Scott Weiss, CFP®

Director of Financial Planning
Read Bio
Scott Weiss, CFP Financial Planner in Putnam County New York

Scott Weiss, CFP®

Director of Financial Planning

Scott loves working with young professionals who are trying to build a great life for their families and couples nearing retirement who need help converting their assets into lifetime income to support the retirement lifestyle they envision. His passion is working with people who seek sound financial guidance rather than killer stock picking with rockstar investment returns. He helps his clients think through difficult financial trade offs and come up with solutions they can comfortably live with. He takes pride in getting to know every detail of his client’s financial lives so that he can build a well thought out, carefully tailored plan to help accomplish the goals they’ve set for themselves.

Scott was previously an art director at Money Magazine and Mutual Funds Magazine where he worked for nearly 12 years helping readers better understand personal finance topics. He is adept at making complex financial issues easy to understand, and skilled at keeping people on task to accomplish their goals. He tends to geek out on topics he finds fascinating and gets a thrill out of teaching people what he's learned. As a career changer and father of two young children, he knows what it takes to care for a family while simultaneously working toward achieving personal goals. Scott truly enjoys collaborating with his clients and helping them live their best financial life. 

Scott formed the RIA, Weiss Financial Group, with his brother Keith Weiss in 2011 after purchasing the original firm from their father, Richard Weiss. He is a CERTIFIED FINANCIAL PLANNER professional. Scott completed his Personal Financial Planning coursework at Kaplan University and earned his Bachelor of Fine Arts in Graphic Design, graduating Summa Cum Laude, from the State University of New York at New Paltz. As a self-professed life-long learner, Scott continually educates himself on the latest thinking and technology in financial planning. As such, he is currently a Retirement Income Certified Professional (RICP) candidate and expects to acquire the designation by late 2016.

Born and raised in Mahopac, NY, Scott, his wife and two children currently reside in his hometown.

Schedule a Consultation with Scott now: http://meetme.so/WeissFinancial

Keith Weiss, CFP®, MBA Photo

Keith Weiss, CFP®, MBA

Chief Investment Officer
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Keith Weiss CFP MBA Chief Investment Officer in Putnam County, New York

Keith Weiss, CFP®, MBA

Chief Investment Officer

  • As the Chief Investment Officer of Weiss Financial Group, Keith manages, and monitors client portfolios.
  • He is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional.
  • He is a 2013 and 2014 Five Star Wealth Manager recipient.
  • Prior to the founding of Weiss Financial Group in 2011, Keith served as an investment advisor representative at Asset & Financial Planning, Ltd., and as a registered representative at Prime Capital Services, Inc.
  • Keith holds a Bachelor of Science degree in education from Springfield College and an MBA in accounting from the University of Phoenix.
Richard Weiss, CFP®, CHFC®, CPA, PFS®, CEP®, CLU® Photo

Richard Weiss, CFP®, CHFC®, CPA, PFS®, CEP®, CLU®

Founder
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Richard Weiss Financial Planner in Putnam County New York

Richard Weiss, CFP®, CHFC®, CPA, PFS®, CEP®, CLU®

Founder

Having been in the financial services industry for over 40 years, Richard has earned many designations.  He is a Certified Financial Planner (CFP®) professional, as well as a Certified Public Accountant (CPA), with an emphasis on Estate & Trust planning.  He also earned the Certified Estate Planner (CEP®), Certified Life Underwriter (CLU®), Chartered Financial Consultant (ChFC®) and Personal Financial Specialist (PFS®) designations. 

Rich (or Rick as he is known to family, friends and clients) is a firm believer in giving back to the community. To that end, he serves as a board member of the Putnam County Housing Corp. and the Putnam County Economic Development Council which focus on community and county matters. In addition, he serves on the Board of Trustees at PCSB Bank (formerly known as Putnam County Savings Bank), and several PCSB committees.

Born in New York City and raised in Brooklyn, New York, Rich graduated from Bernard Baruch College of the City University of New York with a Bachelor’s Degree in Business Administration. At the age of 20 he enlisted in the United States Marine Corps serving during the Vietnam conflict. 

Rich began his career working for several leading CPA firms in New York City, including the prestigious firm S. D. Leidesdorf & Co. which subsequently merged with Ernst & Young (formerly Ernst & Whinney). Prior to establishing his private practice in Mahopac, so as to spend more time with his family, he was partner at the firm of Kamerman, Shapiro, Jacobs & Weiss, a boutique firm specializing in international and domestic corporate taxation, estate, trust and individual planning and taxation. 

Rich continues to participate in local activities. As an avid sports fan, he enjoys volunteering as a local broadcast television announcer for Mahopac High School sporting events.   

Currently, Rich works as a consultant to Weiss Financial Group.  His extensive tax and financial expertise is an invaluable resource for the company and our clients.  

 

Retirement Planning
& Investments 


Weiss Financial Group is a NAPFA-registered, Fee-Only, Registered Investment Advisor (RIA) serving the entire Putnam and Duchess Counties, NY region (Mahopac, Brewster, Poughkeepsie, Fishkill, Danbury, CT). We specialize in providing objective financial planning and retirement planning to help clients build, manage and protect their assets through life's transitions. Scott Weiss, Keith Weiss and Richard Weiss are all CERTIFIED FINANCIAL PLANNER™ Professionals.

CFP NAPFA FPA and XY Planning Network affiliations for Weiss Financial Group in Putnam County, New York

 

PROTECTING YOUR CONFIDENTIALITY


Investment Advisers are required by law to inform their clients of their policies regarding privacy of client information. We are bound by professional standards of confidentiality that are even more stringent than those required by law. Federal law gives customers the right to limit some but not all sharing of personal information. It also requires us to tell you how we collect, share, and protect your personal information.

To protect the personal information of current and former clients from unauthorized access and use, we use security measures that comply with federal law, including computer safeguards and secured files and building.

Types of Nonpublic Personal Information (NPI) We Collect

We collect nonpublic personal information about you that is either provided to us by you or obtained by us with your authorization. This can include but is not limited to your Social Security Number, Date of Birth, Banking Information and Financial Account Numbers and/or Balances, Sources of Income, Credit Card Numbers or other Information. When you are no longer our customer, we may continue to share your information only as described in this notice. 

Parties To Whom We Disclose Information

All Investment Advisers may need to share personal information to run their everyday business. In the section below, we list the typical reasons that we may share your personal information:

  1. For everyday business purposes – such as to process your transactions, maintain your account(s), or respond to court orders and legal investigations, or report to credit bureaus;
  2. For our marketing – to offer our products and services to you;
  3. For joint marketing with other financial companies
  4. For our affiliates' everyday business purposes – information about your transactions and experiences; or
  5. For non-affiliates to market to you.

Clients may opt out of sharing information for joint marketing to other financial companies, to our affiliates and to non-affiliates. If you are a new customer we may begin sharing your information ­­on the day you sign our agreement. When you are no longer our customer, we may continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. 

Federal Law Gives You The Right To Limit Sharing - Opting Out

Federal law allows you the right to limit the sharing of your NPI by "opting-out" of the following: sharing for affiliates' everyday business purposes – information about your creditworthiness; sharing with affiliates who use your information to market to you; or sharing with non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. Please notify us immediately at our address or telephone number if you choose to opt out of these types of sharing.

DEFINITIONS:

  1. Affiliates – companies related by common ownership or control. They can be financial and nonfinancial companies.
  2. Non-affiliates – companies not related by common ownership or control. They can be financial and nonfinancial companies.
  3. Joint marketing – a formal agreement between non-affiliated financial companies that together market financial products or services to you. 

 

PLEASE CALL IF YOU HAVE ANY QUESTIONS

Your privacy, our professional ethics, and the ability to provide you with quality financial services are very important to us. If you have any questions or concerns please do not hesitate to call us at (845) 621-4700. 

HOW WE HELP


Step 1: Get Organized


First, we help you get organized. To do this we will:

  • Explore your goals
  • Give you access to your Secure Client Website
  • Collect your financial data
  • Have you complete your online risk analysis.


Does My Portfolio Fit Me?

Step 2: Get Your Plan


Next, we will analyze all the information you provide and develop your personalized plan. Once your plan is complete we will:

  • Deliver your financial plan
  • Discuss "what if" scenerios
  • Create an action plan
  • Review your Investment Policy Statement (IPS) if needed 


Does My Portfolio Fit Me?

Step 3: Stay On Track


Going forward, once a year we will:

  • Review your plan
  • Update your plan
  • Report on your investments
  • Make adjustments to your plan


Does My Portfolio Fit Me?

FAQ'S



How to Know If You Need A Financial Planner?


If you are asking this question you probably need one. A financial planner can provide a third party perspective on your financial situation and give you unbiased advice on what will work best for you. It is helpful to have a financial planner show you where you are at and assist you in figuring out where you want to go.

 

For a more complete list of frequently asked questions and services that Weiss Financial Group offers, Download Our Services Guide. 


What is Financial planning?


Financial planning is an ongoing process to help you make smart decisions about your money at every stage of your life so you can achieve your financial goals. It is not just about investing or purchasing financial products. It is about examining the entirety of your financial life and optimizing how each part can work together to create your vision of financial success.

 

For a more complete list of frequently asked questions and services that Weiss Financial Group offers, Download Our Services Guide. 

What's the value of a plan?

Finding relief and confidence in knowing, given your resources, that you are doing what's best for your family is the main benefit of having a comprehensive financial plan. By proactively pursuing your goals, you will be able to sleep better at night knowing you are making informed financial decisions. Failing to have a comprehensive plan can cost you more, not just in dollars, but in time spent trying to figure it out yourself and agonizing over your situation.

 

For a more complete list of frequently asked questions and services that Weiss Financial Group offers, Download Our Services Guide. 

How are we different?

  1. We review your entire financial life, not just one segment
  2. We are a family business and understand the challanges families face
  3. We are all CERTIFIED FINANCIAL PLANNER™ professionals (CFP®)
  4. We are not influenced by commissions or product sales
  5. We provide tangible action steps so you know exactly what to do after you receive your plan
  6. We provide access to our advisors so you can have your questions answered along the way
  7. We have access to tax professionals through our affiliate Weiss, Orro & Stern
  8. You don't need to be a millionaire to work with us!

 

For a more complete list of frequently asked questions and services that Weiss Financial Group offers, Download Our Services Guide. 

Why Fee-Only?

We believe that the greater your advisor’s dependence on commission income, the greater the conflict. In the end, that conflict can cost you, both in out-of-pocket expenses and in the quality of advice you receive. At Weiss Financial Group we believe there is a significant conflict of interest if an advisor stands to gain financially from any recommendations you may follow, that's why we are a NAPFA registered, Fee-Only advisor.

Get Acquainted Meeting

Before we decide to work together, let’s chat about what your financial circumstances and goals are. We’ll give you honest feedback about where you are with regard to your goals and if we think we can help you achieve them. You’ll have the chance to get to know us and decide if we're the right partner to help you.  Schedule your FREE, no obligation, "Get Acquinted Meeting"  now.

FREE


/ Option 1 /

STRATEGY SESSION

This session is designed to answer 1 or 2 of your most pressing financial concerns. Examples include: how much to save in your 401(k), 403(b) or other retirement savings vehicles and which investment options to utilize, how much & what type of insurance is right for you, how to tackle debt, how much to save for college, which college savings plan is best for you, or how much to comfortably spend on a new house. Includes a 60 minute strategy session, an email summary of discussion, and action plan.

ONE TIME ENGAGEMENT
$399
 
(One time fee)

 

/ Option 2 /

COLLABORATIVE PLANNING 

Designed to help you organize and optimize all areas of your financial life. We help you build, grow and protect wealth with upfront planning. This option includes goal setting, comprehensive financial planning services, access to our Secure Client Website for planning, budgeting, account aggregation and document storage, access to First-Step cash flow management software, access to additional financial professionals. Includes 2-3 meetings for plan developement. In addition, you will receive email summaries of discussions along with action plans,

FINANCIAL PLAN
$1,000 - $5,000

(One time payment)

 

/ Option 3 /

ON-GOING SUPPORT

EXCLUSIVE MEMBERSHIP: Available only to clients who have completed a financial plan with us.

This option includes goal implementation, on-going plan monitoring, review meetings (in person, over the phone, or through email), comprehensive financial planning services, access to our Secure Client Website for planning, budgeting, account aggregation and document storage, access to First-Step cash flow management software, access to additional financial professionals, and discounted investment management services (if choosing to use our services). Includes  by check-ins every six months and anytime email support as questions arise. In addition, you will receive email summaries of discussions along with action plans,

ONGOING GUIDANCE
Starting @ $99/month

(Billed monthly in arrears. You will be billed on the 1st of the month and can cancel anytime. Monthly fees are paid using ACH)

  

/ Option 4 /

INVESTMENT MANAGEMENT

Professionally managed IRA's; 401k rollovers; individual, joint and trust accounts. No commissions or loads. On-going monitoring for rebalance opportunities. Construction of an individualized portfolio, implementation and monitoring with quarterly statements and 24/7 online access. Fees are discounted with the purchase and on-going payment of Package 2: Partnered Planning.

CONTINUED MONITORING
0.85% - 1.5%
(Annual fee is based on assets. Fees are deducted from investment account)

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LET'S TALK


SCHEDULE A 15 MINUTE CALL

Book a FREE 15 minute, no commitment, phone call with Scott to discuss your financial situation and see if we can help. Pick a date & time that works for you!


Call:

(845) 621-4700

eMail:

sweiss@weiss-financial.com

Visit:

704 US-6, Mahopac, NY 10541