Jeff Sprowles and Associates, LLC
Fee Only Financial Planner and Investment Advisor
Fee Only Financial Planner and Investment Advisor
Fee Only Financial Planners and Investment Advisors
Services
Financial planning and investment advisory services are intertwined. Most clients of Jeff Sprowles and Associates LLC will receive a financial model as well as an investment plan; both of which are updated annually at the very least. Using the model, recommendations are made which include asset allocation for all client portfolios.
Some clients experience problems with critical cash flow or have an issue with budget management. For these clients, we provide a thorough analysis of income and expenses. Using this information, a "shoe box" method of allocating income to various bank accounts is implemented. Debt consolidation and savings plans are part of this service.
Jeff Sprowles and Associates has developed financial models to address financial and estate planning, investments, insurance and tax planning concerns important to the GLBT community.
Here are some examples of GLBT issues we have worked on for clients:
- Income tax – In
New Jersey - Investments – How accounts are titled has gift tax implications.
- Estate planning – Many life partners have wills in which they leave everything to the survivor. The family of the first to die may be disinherited unintentionally.
- Life insurance – This may be especially important if one or the other life partner relies on salary, a pension or social security of the other to keep the house or to maintain a standard of living.
