Jon M. Luskin, MBA, CFP®
Fee-Only CERTIFIED FINANCIAL PLANNERTM & Fiduciary
My wife works in the accounting industry. So, I’ve reviewed many of the employer benefits offered by the Big Four accounting firms. To get the most out of these employee benefits for my own family, I’ve:
- picked the low-cost High Deductible Health Plan (HDHP)
- gotten free money put into our Health Savings Account (HSA)
- screened out the high-fee funds in our 401(k)
- learned that the most employer-provided life insurance won’t cover our needs
Since I’ve already done the work, I can share what I’ve learned. This can help you if you are an employee of the Big Four.
Your Essential Financial Checklist
Free Financial Guide for Big Four Employees
• How to pick the good funds in your 401(k)
• Your employer-provided disability policy won’t give you full protection
• Your pension can’t cover your retirement
THE PERSONAL FINANCIAL AUDITTM:
HELPING YOU MAKE THE MOST OF YOUR BENEFITS
This unique financial planning process, the Personal Financial AuditTM, is exclusive. Here are just some of the services that we provide in your Personal Financial AuditTM:
Cash Flow Analysis
Let’s fund your most important goals!
Making sure your money works for you.
Protecting yourself, your family, your income, and your life.
Keeping you and your plan on track.
Whatever your goals are, we’ll figure out how to get you there by considering your income and the employee benefits you receive. This means:
• Selecting the right (low-cost) investments in your 401(k)
• Taking full advantage of your employer match
• Opting for the Roth 401(k) over the traditional 401(k) option
• Getting complete disability coverage set up outside of your employer-provided disability policy
• Getting enough low-cost life insurance (but only if you need life insurance!)
What is your process for new clients?
The first step is a free, 30-minute phone consultation. This is a chance for us to learn more about you and your financial goals. It’s also a chance for you to learn more about our team. It is NOT a time for us to sell you anything or try to convince you that you need our help.
What does Financial Planning Cost?
Financial Planning and Investment Management for one flat monthly fee:
A FEW HELPFUL RESOURCES FOR BIG FOUR EMPLOYEESHere are a handful of resources we created to help you on your quest for financial freedom:
Serving Clients Across the United States
750 B St, Ste 1750, San Diego, CA
While we are headquartered in San Diego, we work with any clients in the United States. As you’re well aware, modern technology allows us to connect remotely, permitting virtual face-to-face meetings and screen sharing, using our financial planning software.
TECHNOLOGY MEETS FINANCIAL PLANNING
All of your financial accounts in one place!
A research group once described financial planning as feeling like a mix between a dental visit, math class, and marriage therapy. Making smart decisions with your money shouldn’t be painful – it should be rewarding! We have partnered with industry-leading technology partners to help make sure your experience with our firm is nothing like a trip to the dentist. Our goal is to help simplify your financial life and put together a plan that you can actually understand.
Available to our amazing clients at no extra charge.
Can you really help me as an employee of the Big Four?Sure can! To prove our expertise, check out our e-book, 3 Things Every Employee of the Big Four Should Know. In the e-book, you'll learn about pension plans, 401(k) retirement plans, and the common pitfalls of employer-provided disability insurance plan.
WHAT'S A FINANCIAL PLANNER?Financial planning is creating a game plan for your money; we'll plan the best uses for your money so that you can achieve your goals. Everyone's goals are different, and goals can be as diverse as:
• buying a house
• enjoying an early retirement (or a mini-retirement)
• starting a family
• going on an epic vacation
Not all financial advisors are created equal.
As a Registered Investment Advisor (RIA), we are required by law to act in a fiduciary capacity when serving clients. Put simply, our clients’ interest must be ahead of ours at all times.
No commissions and no hidden fees. The only compensation we receive comes from our clients directly. Period.
The CERTIFIED FINANCIAL PLANNER™ designation means we are on top of our game. Only 25% of all financial advisors* in the industry can claim this distinction. *Source: www.cfp.net, www.cerulli.com
CONTACT JON LUSKIN, MBA, CFP®The first step in the financial planning process is a get-to-know-each-other meeting. There’s no cost or commitment here. This meeting is simply a chance for us:
• to meet each other
• to figure out if we can work together well
• to see if I can help you