We take time to help clients exceed their aspirations for self, family, and society by balancing the complexities of financial responsibility and growing, raising and living a full life with their family.
We deliver solutions seeking to build, manage, and preserve wealth for you and your family. We strive to provide the highest level of service and guidance by creating unique solutions fitted to you.
An Open letter from Founder
Financial Balance. One priority for financial planning is to integrate all aspects of your life with one another so that you no longer wander aimlessly, but step confidently knowing that each part of your life is working in tandem with the others. We bring together the desires and passions you have for your family, community, and spiritual life and merge them with your finances.
Just as you invest your time into what you think is most important each day, your finances should be invested and allocated based on what is most important to you as well. Instead of only thinking of your money as a way to earn more and accumulate possessions, think of it as a vehicle to reflect your true values in life.
We want to help you align your finances with your life’s purpose so that you and your family will experience authentic abundance.
Brian L. Spahr, CFP©
Founder / Principal
How Do I Know if I Need a Wealth Manager?
WHAT IS WEALTH MANAGEMENT?
Wealth management is a core principle of healthy financial planning at Spahr Financial Group. We’ll help you create a plan designed to meet your goals as well as needs, with realistic strategies to enable your financial success in an investment-advisory role that is part financial planning and part portfolio management.
Whether you want help with your retirement planning, when you should begin receiving social security benefits, or how best to protect and grow your retirement to provide enough income, we can help. We’ll create a personalized plan and review with annual updates to reflect any major life changes.
IS THERE A FEE FOR CONSULTATION?
There is no fee for a review. We believe in first educating you so that you can make informed decisions.
Contact us now to get a complimentary portfolio review, no obligation, no pressure, and no strings attached.
WHAT TYPE OF CLIENTS DO YOU WORK WITH?
SFG provides financial advising services to households with at least $250,000 in investable assets, teaching them how to be good financial stewards of their lives.
In addition, clients must exhibit behavioral characteristics such as: being goal-oriented, a disciplined saver, open to advice, and able to demonstrate long-term thinking.
Ultimately, we hope that their behaviors, combined with our services, result in them becoming great stewards with their finances and leading to lifetime fulfillment.
Our clients enjoy working together with us.
WHAT CAN SFG DO FOR ME?
SFG Advisor started in 2002, with the founder, Brian L Spahr, CFP©, providing unbiased professional advice since 1992 through a wide range of financial planning & wealth management services:
- Financial analysis – determine net worth, emergency fund, cash flow.
- Retirement planning – IRA/Roth IRA + 401(k)/PS, SEP-IRA, 403(b), TSP.
- Investment management – portfolio design: individual, joint, corp, trust accounts.
- Risk analysis – income protection, estate creation, Brian L Spahr, CA-DOI #0C59068.
- Estate/tax planning – work with attorney/CPA to confirm best solution is applied.
DOES YOUR FIRM ACT AS A FIDUCIARY? HOW DO YOU GET PAID?
Yes, SFG acts as a Fiduciary with all of our clients, which means we always work in their best interest. While that might seem like a basic concept, not all firms act in this manner. Investment advisers who work for Registered Investment Advisory (RIA) firms are required to act as fiduciaries in all aspects of providing professional advice.
As an RIA firm, we charge a fee for managing our clients’ assets, and are never compensated or influenced to use one investment vehicle or strategy over another for portfolio management. This fee covers our ongoing investment advisory, including annual financial planning, reviews, and updates.
WHAT IS YOUR INVESTMENT PHILOPSOPHY?
As a fiduciary, your best interest is always our highest priority. We use low-cost Index Funds and Exchange Traded Funds (ETF), while utilizing a passive asset allocation model. Deep, diversified allocation with not only different asset classes, but geographical locations and company sectors and size.
We will find the balance to you having a sufficient and prosperous future while enjoying and living a full life now. We utilize a holistic approach, which encompasses using correct accounts for both taxable and tax-deferred situations. By understanding your specific household cash flow requirements and your financial position, we can formulate a financial plan that will map out the composition.
- passive portfolio management utilizing indices and low cost instruments focusing on broad & deep diversification,
- professional strategies that include written & flexible yet stable, investment polices that keep us focused during volatile times in the markets, and
- operating with minimal conflict of interest from vendors with proprietary products and agendas, not influenced by media driven information, and not prone to chase performance.
WHAT SHOULD I BE DOING FOR MY PLANNING? DO I NEED A FINANCIAL ADVISOR?
Do you require help with any of these specific topics or range of subjects?
Confirming you have enough income to retire comfortably?
Have a review of your investments to determine if you are paying too much in fees?
Review your retirement and tax-deferred accounts to analyze risk and performance?
Make sure you have adequate life insurance to provide for your family?
Determine your estate planning is providing you security and protection?
- 15 Mar 05:10 pm
Posted by Brian L Spahr, SPAHR FINANCIAL GROUP LLC on March 15, 2020 KEY SUMMARY. Investor Profile...
- 29 Nov 05:54 pm
Updated by Brian L Spahr, SPAHR FINANCIAL GROUP LLC on January 28, 2020 -(original post 11/29/2018) 2020...