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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:

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

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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:

Budgeting

Cash Flow Analysis

Let’s fund your most important goals!

INVESTING

ASSET ALLOCATION

Making sure your money works for you.

INSURANCE

RISK MANAGEMENT

Protecting yourself, your family, your income, and your life.

Reviews

Annual assessment

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:

     •   Knowing just how much you can count on your pension plan to fund your retirement

     •   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 the free money your company puts in your Health Savings Account (HSA)

     •   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:

deloitte pension plan price

A FEW HELPFUL RESOURCES FOR BIG FOUR EMPLOYEES

Here are a handful of resources we created to help you on your quest for financial freedom:

To Roth or Not to Roth Your 401(k)

Which Health Insurance Plan Should I Pick?

Save Your Health Savings Account

Employer-Provided Umbrella Insurance: You Can’t Take it With You

Pay for Financial Planning, Not for Investing

Serving Clients Across the United States

deloitte's pension plan

We are located at:
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.

deloitte's pension plan and deloitte's 401k at vanguard

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

 
epic vacation for Deloitte pension plan and 401k

Epic vacation in action.

We bought a house!

WHY DEFINE

Not all financial advisors are created equal.

financial planner fiduciary

Fiduciary

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.

fee-only financial planner

Commission-Free

No commissions and no hidden fees. The only compensation we receive comes from our clients directly. Period.

certified financial planner

CFP® Professional

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

If you are interested in a free consultation, please feel free to book an appointment online or call our offices at (619) 577-4002. If you are in the San Diego area, stop by our office and say hello!