PTI’s only business is Portfolio Management and does not offer legal, tax, insurance, or estate planning advice. Investors should Beware of Financial Planners who are salespeople for big brokerage or insurance firms. No one can give Unbiased Advice if they are paid by High Commissions and Ongoing Fees from selling expensive investments.
Financial Planning is very important and for most investors it is really just Common Sense. Live within a budget, save regularly for big future events and contribute the maximum to IRA’s and other retirement plans. Be sure wills, powers of attorney, beneficiaries, trusts, and insurance policies are up to date. For specific legal, estate planning, insurance and tax advice use a qualified attorney, CPA, or insurance agent with experience in the area where you need help.
If you want a written financial plan hire a Certified Financial Planner (CFP) who is Paid By You for creating the plan and does not sell investments that charge high, ongoing annual fees.