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Hans Stumm

FAQs

What is a financial plan?
Financial planning is simply taking control of your financial life and working toward realistic goals. A plan can help you live within your income, spend wisely and save more effectively. In simple terms, the purpose of a financial plan is to provide for the accumulation and conservation of your assets.

What do you offer?
I design financial strategies for individuals and businesses. I can help you develop a comprehensive plan and work toward meeting specific goals in areas such as:
  • Retirement
  • Estate planning
  • Educational funding
  • Investment management
  • Business continuation
  • Employee benefits
  • SERPs
  • Split dollar
  • Disability
What process do you use in your work?
I begin by helping clients establish their goals. These goals are quantified with dollar amounts and time horizons and plugged into a financial model that encompasses risk tolerance, taxes, costs, and diversification. I help clients implement, monitor and review the plan.

Who are your clients?
My services are attractive to a wide variety of sophisticated clients, including the owners of businesses, professionals, and highly compensated corporate executives. My clients tend to be extremely busy career-oriented individuals who respect the professional attention and time I can devote to their financial affairs.

How do we get started?
While each client's needs are unique, the basic planning process includes:
  • A statement of goals
  • A risk profile
  • An income statement
  • A balance sheet
How am I compensated?
I am paid in one of two ways, depending on the client's situation:
Fee only: For planning, I charge a flat fee on a project basis. Investment management fees are charged on a percentage of assets basis.
Fee offset: I offset the fees for the planning process against commissions from the sale of financial products.

 

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CA, CO, CT, DC, FL, IL, KY, LA, MA, MD, ME, NC, NJ, NH, NM, NY, OK, PA, RI, TX, VA, VT, WA, and WI.

If your state of residence is not listed, please locate an LPL Registered Representative in your state of residence by accessinghttp://www.lpl.com or calling 1-800-877-7210. Securities and investment information provided on this site are offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.

Mr. Stumm is a Registered Representative with and offers securities and financial planning through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP™, CERTIFIED FINANCIAL PLANNER™ and   in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

© 2015 J. Hans Stumm

 
 


Check the background of this financial professional on FINRA's BrokerCheck.