Click on any of the following questions for more information:
Experience – Jim LeBlanc is a CERTIFIED FINANCIAL PLANNER™ and is a member of the National Association of Personal Financial Advisors (NAPFA). NAPFA is an association of 1,700 highly skilled Fee-Only financial advisors who have a proven broad based financial planning skill set. Jim has over 30 years of senior level accounting and financial experience including five years in pension asset administration and management. He has a thorough knowledge of finance, investing and taxation.
Education – In addition to earning the CERTIFIED FINANCIAL PLANNER™ designation, Jim is an Enrolled Agent, licensed to practice before the Internal Revenue Service. Jim has both an undergraduate degree in Business Administration and an MBA.
NAPFA-Registered Advisor – Jim is a member
of the National Association of Personal Financial Advisors
(NAPFA). NAPFA has the highest continuing education standards
in the financial industry. In order to become a NAPFA-Registered
Advisor, Jim was required to submit a comprehensive financial
plan for peer review and approval. Jim’s plan was promptly
approved without modification.
Independence – As a Fee-Only advisor, we
do not accept commissions for the purchase or sale of financial
or insurance products. The only source of revenue is directly
from the client. All fees are disclosed in advance and in
writing. The advice you receive is independent and in your
best interest.
Anyone seeking financial peace of mind can benefit from our
services. We serve people from all income levels and all walks
of life. We welcome clients who need a one-time financial
consultation for a single issue, a second opinion, a comprehensive
financial plan or ongoing asset and wealth management.
Sound financial planning enables you to take control of your
finances. Many financial problems exist due to a lack of planning,
not a lack of money. We can help you make the right choices
for your financial peace of mind.
The process consists of multiple steps that provide you with
an in-depth picture of your current finances and a roadmap
that shows you how to achieve your goals and objectives. For
each goal we include an easy to follow action plan. We use
a five-step process. See
Our Process.
We first focus on your goals, priorities and values. This
provides us with knowledge of where you want to go. You may
wish to reduce current income taxes, fund the education of
a child or grandchild, and/or enjoy a secure retirement. Your
individual values help us find an appropriate balance.
An in-depth review of your current finances provides us with
the starting point. We conduct an analysis of your cash flow,
investments, taxes, retirement plans, risk management requirements,
estate planning and if you are close to retirement or are
retired, we develop a sustainable withdrawal strategy.
Once we know where you are and where you want to go, we develop
easy to follow recommendations. The recommendations are the
roadmap of how to achieve and prioritize your goals.
Our investment philosophy is based on principals from academic
research. The key principals are:
- Diversification across asset classes and multiple securities
reduce risk without reducing returns.
- Fixed income securities have generally had positive returns
after taxes and inflation and serve to lower the risk of
short-term declines in a portfolio.
- Equity investments have generally had significantly higher
long-term returns than fixed income securities and are needed
to stay ahead of inflation.
- The markets are efficient and it is unlikely that any
individual investor will consistently outperform at the
expense of other investors.
- Index funds and exchange-traded funds are generally more
tax efficient and cost effective than actively managed funds.
-
Socially Responsible mutual funds can earn returns comparable to other actively managed funds.
Before we make any recommendation we work with each client
to determine their financial ability to take risk, the returns
needed to meet their goals and we try to gauge their overall
tolerance to take risk. We do not want to exceed a client’s
risk tolerance as this can lead to selling securities at
the worst possible time.
When a client’s investment choices are restricted by the
number of funds within a retirement plan, we review the
costs associated with each investment and the long-term
performance of the funds. We then select the best combination
of funds available within the retirement plan.
We develop an Investment Policy Statement that defines the
risk the client is willing to take, how the assets are to
be allocated, the time horizon of the portfolio, and the fluctuations
in value that are most likely to occur. Establishing allocation
ranges and explaining why it is important to rebalance helps
to remove the emotion from investing.
We ask the client to sign the Investment Policy Statement
as a reminder that when emotions start to gain control they
are to review the policy statement and why they have agreed
to the particular strategy. The key is that short-term losses
are to be expected.
When emotion starts to gain control, we ask that the client
call us before making any sudden changes in their portfolio.
We provide year-round tax planning for our clients. We prepare
individual tax returns in-house. When clients come to us with
an existing relationship with tax preparers or tax accountants,
we coordinate our activities with those professionals. Trusts,
partnerships or corporate returns, are referred to known tax
professionals.
Contact Jim
LeBlanc of LeBlanc Financial Associates, LLC at 520-393-3248
to arrange a time for a complimentary consultation. At this
meeting, you may determine if you need the services of a Fee-Only
financial advisor and if LeBlanc Financial Associates is right
for you. If you decide to retain our firm, we will sign the
appropriate client agreement disclosing the fees and terms
of the engagement. We then begin the process of addressing
your needs.
LeBlanc Financial Associates, LLC •
info@LeBlancFinancial.net
• 520-393-3248
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