Financial Planning Consultants and Services

Financial planning consultants should listen to you first, before ever investing your money. At Constellation Financial Advisors, we’ll get to know you before tailoring our process to your needs. The result? A well thought out strategy that provides you the optimum investment portfolio for your needs and stage in life.

Call us at 410-321-8808 for complimentary consultation.

Independent Financial Planning

In order to set appropriate expectations for our clients and associates, we have clearly defined our company’s core values:

• We always act in our client's best interest.
•  We recommend only services that fit the client's needs.
• We constantly search for new ideas and adapt to changes in the market.
• We strive to be a superior organization in the eyes of our clients and our associates.

We’re able to stay independent of the investment products we select for you. We will find the right product for your needs, and in this regard, we represent you, not a parent investment company.

We call this independent, unbiased, no strings attached financial advice.

Fee Only Financial Planning

You choose how you pay for our services. We give our clients the option to work on a commission basis, or a fee based on assets under management.

Financial Products offered through INVEST

• Mutual Funds
• Exchange Traded Funds
• Real Estate Investment Trusts (REIT)
• Managed Futures
• International Equities
• Fixed Income Bonds
• Stocks
• Variable Annuities
• Third Party Money Managers

Our Financial Planning Process

Our time-tested financial planning process is based on experience, best practices, and a conservative philosophy. With something as important as your future, your financial planner should not only be a trusted partner who knows you and your goals, but should also have the experience to put together a plan that’s right for you.

Created from years of experience, trust, and hundreds of clients, we will follow the process below when partnering with you to plan, save, and invest for the future you deserve.

• Set Personal Objectives and Create Risk Profile
  • Identify individual objectives and goals
  • Set realistic expectations
  • Establish personal requirements
• Develop an Individual Asset Allocation Plan
  • Establish Asset class mix
  • Optimize efficient risk return process
  • Set rebalancing schedule
• Create Personalized Investment Policy Statement
  • Establish written guidelines for the investment process
• Build and Implement Model Portfolio
  • Select investments
  • Ensure efficient exposure to diversifying asset classes.
• Monitor and Adjust the Portfolio
  • Set asset allocation adjustments
  • Monitor investment managers
• Communicate and Review the Investment Plan
  • Establish dates for annual review
  • Adjust and rebalance account according to original asset allocation

This well-defined, methodical process maximizes the probability of meeting individual financial planning objectives.
 

Trusted Financial Planning Consultants

Call us at 410-321-8808 for a complimentary consultation.