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[vc_row css=”.vc_custom_1475130694214{margin-top: -50px !important;padding-bottom: 12% !important;}” el_class=”iconbox-section” addstyles=”overflow: visible;”][vc_column css_animation=”left-to-right” width=”1/4″ css=”.vc_custom_1476947173940{padding-right: 0px !important;padding-left: 0px !important;}” addstyles=”overflow: visible;”][dt_sc_iconbox type=”type11″ icon_type=”image” title=”Asset Management” link=”|||” addstyles=”overflow: visible;” iconurl=”1345″]We take a balanced approach to your investments.  Financial success is not a one-sided proposition. A portfolio, like a golf club or a car engine, has to be in balance. We help you to balance your portfolio so that you have overall financial health.[/dt_sc_iconbox][/vc_column][vc_column css_animation=”top-to-bottom” width=”1/4″ css=”.vc_custom_1476947182464{padding-right: 0px !important;padding-left: 0px !important;}”][dt_sc_iconbox type=”type11″ icon_type=”image” title=”Tax Savings” link=”|||” iconurl=”1345″]Invest your money and watch it grow – be able pull out the growth without paying taxes on that additional money.  This is the beauty of a Roth IRA. We will explore the benefits of this and other strategies while we innovate your finances.[/dt_sc_iconbox][/vc_column][vc_column css_animation=”bottom-to-top” width=”1/4″ css=”.vc_custom_1476947190555{padding-right: 0px !important;padding-left: 0px !important;}”][dt_sc_iconbox type=”type11″ icon_type=”image” title=”Money Growth” link=”|||” iconurl=”1345″]You work hard for your money –  We innovate ways to make it grow. We will come up with innovative and creative plans towards achieving your goals for financial success.

[/dt_sc_iconbox][/vc_column][vc_column css_animation=”right-to-left” width=”1/4″ css=”.vc_custom_1476947199602{padding-right: 0px !important;padding-left: 0px !important;}”][dt_sc_iconbox type=”type11″ icon_type=”image” title=”Innovation and Savings” link=”|||” iconurl=”1345″]We will work with you to explore options and concepts that keep your financial goals on track.  We can also help you to counter the effects of inflation which is often overlooked through our innovative planning strategies.[/dt_sc_iconbox][/vc_column][/vc_row][vc_row css=”.vc_custom_1475130694214{margin-top: -50px !important;padding-bottom: 12% !important;}” el_class=”iconbox-section” addstyles=”overflow: visible;”][vc_column css_animation=”left-to-right” css=”.vc_custom_1476947173940{padding-right: 0px !important;padding-left: 0px !important;}” addstyles=”overflow: visible;”][vc_row_inner][vc_column_inner width=”1/4″][/vc_column_inner][vc_column_inner width=”1/2″][vc_btn title=”Schedule A Free Call Today!” style=”flat” color=”warning” size=”lg” align=”center” button_block=”true” link=”url:https%3A%2F%2Fapp.acuityscheduling.com%2Fschedule.php%3Fowner%3D17799456||target:%20_blank|”][/vc_column_inner][vc_column_inner width=”1/4″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css=”.vc_custom_1557253988556{margin-top: 50px !important;padding-bottom: 12% !important;}” el_class=”iconbox-section” addstyles=”overflow: visible;”][vc_column css_animation=”left-to-right” width=”1/2″ css=”.vc_custom_1557254338318{padding-right: 40px !important;padding-left: 0px !important;}” addstyles=”overflow: visible;”][vc_empty_space height=”100px”][vc_column_text]

How Much To Get Started?

We asked the question “How much money do you think you would need before talking to a financial planner” Watch this video to find out – you might be surprised

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Bank Statement At First Meeting?

We asked the question “Should your financial advisor ask you for your bank statement on the first meeting” Watch this video to find out!

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Get a Free Portfolio Risk Analysis

[/vc_column_text][vc_row_inner][vc_column_inner width=”1/4″][/vc_column_inner][vc_column_inner width=”1/2″][vc_btn title=”Click Here To Start” style=”flat” shape=”square” color=”warning” size=”lg” align=”center” button_block=”true” link=”url:https%3A%2F%2Fpro.riskalyze.com%2Fembed%2Fc8ef12d2e7f8a7f94fc3|title:Click%20Here|target:%20_blank|” css=”.vc_custom_1509546971967{margin-bottom: 4% !important;}”][/vc_column_inner][vc_column_inner width=”1/4″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row full_width=”stretch_row” full_height=”yes” bg_type=”image” parallax_style=”vcpb-default” bg_image_new=”id^1373|url^https://sean.dands-design.com/wp-content/uploads/2016/10/parallax.image_.01.jpg|caption^null|alt^null|title^parallax.image.01|description^null” bg_img_attach=”fixed” parallax_content=”parallax_content_value” parallax_content_sense=”30″ enable_overlay=”enable_overlay_value” overlay_color=”#487ebc” overlay_pattern=”05.png” overlay_pattern_opacity=”80″ css=”.vc_custom_1498662996911{padding-top: 0% !important;padding-bottom: 0% !important;}” el_class=”vcr_row”][vc_column width=”1/2″ el_class=”circle-content-left rs_col-sm-12″ offset=”vc_col-lg-6 vc_col-md-12″][ultimate_spacer height=”200″ height_on_tabs=”110″][ultimate_heading main_heading=”An investment in knowledge pays the best interest.” main_heading_color=”#ffffff” heading_tag=”h4″ sub_heading_color=”#ffffff” alignment=”left” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:45px;” main_heading_font_size=”desktop:28px;” el_class=”second-section”]– BENJAMIN FRANKLIN[/ultimate_heading][/vc_column][vc_column el_align=”center” width=”1/2″ el_class=”circle-content rs_col-sm-12″ offset=”vc_col-lg-6 vc_col-md-12″][vc_row_inner spacing=”default_no_spaces” equal_height=”yes” content_placement=”middle” css=”.vc_custom_1473333255637{border-bottom-width: 5px !important;border-bottom-color: #ffffff !important;border-bottom-style: solid !important;}”][vc_column_inner el_align=”center” el_class=”skin-highlight” width=”1/2″ css=”.vc_custom_1476177993623{border-right-width: 5px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;border-right-color: #ffffff !important;border-right-style: solid !important;}”][bsf-info-box icon_type=”custom” img_width=”91″ icon_animation=”fadeInLeftBig” pos=”right” el_class=”color-white” title_font_color=”#ffffff” title_font_size=”desktop:20px;” css_info_box=”.vc_custom_1498069138254{margin-top: 60px !important;margin-left: 50px !important;}” desc_font_size=”desktop:18px;”]

Our Expertise is earned through
our experience

[/bsf-info-box][/vc_column_inner][vc_column_inner width=”1/2″ css=”.vc_custom_1477301479553{padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}”][vc_single_image image=”1430″ img_size=”full” alignment=”right” css_animation=”right-to-left” css=”.vc_custom_1498589318632{margin-bottom: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}”][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle”][vc_column_inner width=”1/2″ css=”.vc_custom_1473333215390{border-right-width: 5px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;border-right-color: #ffffff !important;border-right-style: solid !important;}”][vc_single_image image=”1433″ img_size=”full” alignment=”right” css_animation=”left-to-right” css=”.vc_custom_1498589445330{margin-bottom: 0px !important;}”][/vc_column_inner][vc_column_inner el_align=”center” el_class=”skin-highlight” width=”1/2″ css=”.vc_custom_1476178503834{padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}”][bsf-info-box icon_type=”custom” img_width=”91″ icon_animation=”fadeInRightBig” pos=”top” el_class=”color-white” title_font_color=”#ffffff” title_font_size=”desktop:20px;” css_info_box=”.vc_custom_1498068932519{margin-right: 40px !important;}” desc_font_size=”desktop:18px;”]

Our Team for your
management

[/bsf-info-box][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row full_width=”stretch_row” parallax=”content-moving” parallax_image=”852″ disable_element=”yes” css=”.vc_custom_1498062162042{padding-top: 12% !important;padding-bottom: 12% !important;}” el_class=”gradient-skin-overlay”][vc_column][just_icon icon_type=”custom” icon_img=”id^131|url^https://sean.dands-design.com/wp-content/uploads/2016/08/phone-icon.png|caption^null|alt^null|title^phone-icon|description^null” img_width=”88″][ultimate_fancytext strings_textspeed=”35″ strings_backspeed=”0″ fancytext_strings=” 1800 234 567 890″ strings_font_size=”desktop:50px;mobile_landscape:45px;mobile:30px;” strings_font_style=”font-weight:bold;” css_fancy_design=”.vc_custom_1477302681674{margin-top: 60px !important;margin-bottom: 60px !important;}” fancytext_color=”#000000″][dt_sc_simple_heading text=”Chat with us for your best solution in finance” class=”aligncenter”]Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi[/dt_sc_simple_heading][/vc_column][/vc_row][vc_row disable_element=”yes” css=”.vc_custom_1497636867520{padding-top: 12% !important;padding-bottom: 8% !important;}”][vc_column el_align=”center”][dt_sc_simple_heading text=”For Better Money Management” class=”aligncenter”]Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi[/dt_sc_simple_heading][vc_column_text css=”.vc_custom_1476695612302{margin-top: 10px !important;padding-right: 20% !important;padding-left: 20% !important;}”]

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo

[/vc_column_text][ultimate_spacer height=”50″][ultimate_carousel slide_to_scroll=”single” slides_on_desk=”4″ slides_on_tabs=”2″ slides_on_mob=”1″ arrow_size=”40″ dots=”off”][dt_sc_iconbox type=”type3″ icon_type=”image” iconurl=”26″ class=”dt-sc-rounded” title=”Sed fringilla mauris”]Amet orci eget eros faucibus tincidunt. Sed fringilla mauris sit amet nibh amet?[/dt_sc_iconbox][dt_sc_iconbox type=”type3″ icon_type=”image” iconurl=”27″ class=”dt-sc-rounded” title=”Faucibus Tincidunt”]Amet orci eget eros faucibus tincidunt. Sed fringilla mauris sit amet nibh amet?[/dt_sc_iconbox][dt_sc_iconbox type=”type3″ icon_type=”image” iconurl=”28″ class=”dt-sc-rounded” title=”Quisque arcu elit”]Amet orci eget eros faucibus tincidunt. Sed fringilla mauris sit amet nibh amet?[/dt_sc_iconbox][dt_sc_iconbox type=”type3″ icon_type=”image” iconurl=”29″ class=”dt-sc-rounded” title=”Etiam sit amet”]Amet orci eget eros faucibus tincidunt. Sed fringilla mauris sit amet nibh amet?[/dt_sc_iconbox][dt_sc_iconbox type=”type3″ icon_type=”image” iconurl=”30″ class=”dt-sc-rounded” title=”Risus quis sapien”]Amet orci eget eros faucibus tincidunt. Sed fringilla mauris sit amet nibh amet?[/dt_sc_iconbox][dt_sc_iconbox type=”type3″ icon_type=”image” iconurl=”31″ class=”dt-sc-rounded” title=”Etiam sit amet”]Amet orci eget eros faucibus tincidunt. Sed fringilla mauris sit amet nibh amet?[/dt_sc_iconbox][/ultimate_carousel][/vc_column][/vc_row][vc_row bg_type=”bg_color” css=”.vc_custom_1498063025639{padding-bottom: 12% !important;background-color: #ffffff !important;}” bg_color_value=”#ffffff”][vc_column][ultimate_spacer height=”50″][dt_sc_simple_heading text=”Partners in Planning for your Future” class=”aligncenter”]Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi[/dt_sc_simple_heading][ultimate_spacer height=”50″][dt_sc_tabs type=”vertical”][dt_sc_tab title=”Create Healthy Routines” tab_id=”def1473413990-1-24″][vc_row_inner css=”.vc_custom_1498234480208{background-image: url(https://sean.dands-design.com/wp-content/uploads/2016/10/office-620822_960_720-2-1.jpg?id=1418) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}”][vc_column_inner width=”1/2″ css=”.vc_custom_1477301003054{margin-bottom: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}”][ult_content_box box_shadow=”horizontal:px|vertical:px|blur:px|spread:px|color:#f7f7f7|style:none|” hover_box_shadow=”horizontal:px|vertical:px|blur:px|spread:px|color:#f7f7f7|style:none|” min_height=”450″ padding=”padding:35px;” el_class=”skin-highlight-overlay”][vc_custom_heading text=”We don’t create budgets.” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes”][vc_column_text el_class=”color-white”]We don’t just create budgets.  Our team innovates ways to make it easier for you to spend wisely.  Efficient cash flow makes it easier for you to spend and save. We also innovate ways to implement healthy financial habits and break the cycle of “not knowing where your money goes.”[/vc_column_text][/ult_content_box][/vc_column_inner][vc_column_inner width=”1/2″ offset=”vc_hidden-xs”][/vc_column_inner][/vc_row_inner][/dt_sc_tab][dt_sc_tab title=”Plan with Innovation” tab_id=”def1473413990-2-77″][vc_row_inner css=”.vc_custom_1498234547114{background-image: url(https://sean.dands-design.com/wp-content/uploads/2016/10/people-coffee-tea-meeting-1-1.jpg?id=1408) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}”][vc_column_inner width=”1/2″ css=”.vc_custom_1477286974952{padding-right: 0px !important;padding-left: 0px !important;}”][ult_content_box box_shadow=”horizontal:px|vertical:px|blur:px|spread:px|color:#f7f7f7|style:none|” hover_box_shadow=”horizontal:px|vertical:px|blur:px|spread:px|color:#f7f7f7|style:none|” padding=”padding:35px;” min_height=”450″ el_class=”skin-highlight-overlay”][vc_custom_heading text=”Planning is a partnership.” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes”][vc_column_text el_class=”color-white”]Planning is a partnership.  Our team works together with you to create recommendations towards helping you to achieve your goals and dreams.  Do you dream of renovating your home, sending your children or grandchildren to college, or being confident that your money will outlast you in retirement?  The financial plans we create are a roadmap to help you accomplish goals like these.[/vc_column_text][/ult_content_box][/vc_column_inner][vc_column_inner width=”1/2″][/vc_column_inner][/vc_row_inner][/dt_sc_tab][dt_sc_tab title=”Be an Investor” tab_id=”1473416956909-2-2″][vc_row_inner css=”.vc_custom_1498503006380{background-image: url(https://sean.dands-design.com/wp-content/uploads/2016/10/investor.jpg?id=1426) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}”][vc_column_inner width=”1/2″ css=”.vc_custom_1477286984703{padding-right: 0px !important;padding-left: 0px !important;}”][ult_content_box box_shadow=”horizontal:px|vertical:px|blur:px|spread:px|color:#f7f7f7|style:none|” hover_box_shadow=”horizontal:px|vertical:px|blur:px|spread:px|color:#f7f7f7|style:none|” padding=”padding:35px;” min_height=”450″ el_class=”skin-highlight-overlay”][vc_custom_heading text=”Both in the markets and in your plan.” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes”][vc_column_text el_class=”color-white”]Increasing your savings not only involves investments in the markets, but also

innovative financial planning in your day-to-day life.  Our team guides clients through the market’s ups and downs as well as personal ups and downs.  You never know when your children will need financial help, if a medical issue will arise, or if your home will need major repairs.  Investing in a financial plan that will help you prepare for the unexpected is equally as important as saving and investing in the markets.[/vc_column_text][/ult_content_box][/vc_column_inner][vc_column_inner width=”1/2″][/vc_column_inner][/vc_row_inner][/dt_sc_tab][/dt_sc_tabs][/vc_column][/vc_row][vc_row full_width=”stretch_row” disable_element=”yes” bg_type=”image” parallax_style=”vcpb-default” bg_image_new=”id^132|url^https://sean.dands-design.com/wp-content/uploads/2016/08/bg5.jpg|caption^null|alt^null|title^bg5|description^null” bg_img_attach=”fixed” enable_overlay=”enable_overlay_value” overlay_color=”rgba(247,247,247,0.9)” css=”.vc_custom_1497637415261{padding-top: 10% !important;padding-bottom: 10% !important;}”][vc_column width=”1/4″][dt_sc_number_counter value=”4″ append=”th” title=”Assets Under Management”][/vc_column][vc_column width=”1/4″][dt_sc_number_counter value=”300″ append=”+” title=”Happy Clients”][/vc_column][vc_column width=”1/4″][dt_sc_number_counter value=”5000″ append=”+” title=”Wide Range of Investment”][/vc_column][vc_column width=”1/4″][dt_sc_number_counter value=”28″ append=”+” title=”Highest EPS” class=”last”][/vc_column][/vc_row][vc_row parallax_content=”parallax_content_value” parallax_content_sense=”100″ css=”.vc_custom_1498662149192{padding-top: 12% !important;padding-bottom: 12% !important;}”][vc_column][dt_sc_simple_heading text=”Our Team” class=”aligncenter”]Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi[/dt_sc_simple_heading][ultimate_spacer height=”50″][vc_row_inner el_class=”team-content-overlay”][vc_column_inner el_class=”team-content-item” width=”1/3″][dt_sc_team teamstyle=”type2″ socialstyle=”hexagon-border” name=”Christina M. Angelone-Gatteri” role=”CFP®, CRPC®” image=”1340″]Financial Advisor,  Financial Planning, Cash Flow Specialist.[/dt_sc_team][dt_sc_button title=”Christina’s Bio” size=”medium” color=”orange” link=”url:https%3A%2F%2Fmyinnovativeplan.com%2Fchristina-gatteri%2F||target:%20_blank|” textcolor=”#ffffff” textsize=”12px”][/vc_column_inner][vc_column_inner el_class=”team-content-item” width=”1/3″][dt_sc_team teamstyle=”type2″ socialstyle=”hexagon-border” name=”Sean P. Holly” role=”CRPC®” image=”1341″]Financial Advisor, Portfolio Strategist, Tax Planning.[/dt_sc_team][dt_sc_button title=”Sean’s Bio” size=”medium” color=”orange” link=”url:https%3A%2F%2Fmyinnovativeplan.com%2Fsean-holly%2F||target:%20_blank|” textcolor=”#ffffff” textsize=”12px”][/vc_column_inner][vc_column_inner width=”1/3″][dt_sc_team teamstyle=”type2″ socialstyle=”hexagon-border” name=”Daniel R. Angelone” role=”APMA®” image=”1483″]Portfolio Management Advisor.[/dt_sc_team][dt_sc_button title=”Daniel’s Bio” size=”medium” color=”orange” link=”url:https%3A%2F%2Fmyinnovativeplan.com%2Fdaniel%2F||target:%20_blank|” textcolor=”#ffffff” textsize=”12px”][/vc_column_inner][/vc_row_inner][ultimate_spacer height=”100″ height_on_tabs_portrait=”0″][vc_row_inner el_class=”team-content-overlay”][vc_column_inner width=”1/6″][/vc_column_inner][vc_column_inner width=”2/6″][/vc_column_inner][vc_column_inner width=”2/6″][/vc_column_inner][vc_column_inner width=”1/6″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row disable_element=”yes” css=”.vc_custom_1498067423863{padding-bottom: 8% !important;}”][vc_column][dt_sc_tabs style=”frame” class=”type6″][dt_sc_tab title=”PLAN” tab_id=”def1475816402-1-10″ sub_title=”Invest money for your future”][vc_row_inner][vc_column_inner width=”2/3″ css=”.vc_custom_1473750260465{padding-right: 15% !important;}”][vc_custom_heading text=”A better solution for your Financial needs” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes”][vc_column_text]Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Amet consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Amet consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis.[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/3″][vc_column_text]

  • Create a Budget
  • Be mindful of expenses
  • Zero Base Budget for Assets
  • Plan with vision
  • Be an Investor
  • Save regularly

[/vc_column_text][/vc_column_inner][/vc_row_inner][/dt_sc_tab][dt_sc_tab title=”Analyse” tab_id=”def1475816402-2-19″ sub_title=” Analyse the market & type of saving”][vc_row_inner][vc_column_inner width=”1/3″ css=”.vc_custom_1473750260465{padding-right: 15% !important;}”][vc_column_text]

  • Create a Budget
  • Be mindful of expenses
  • Zero Base Budget for Assets
  • Plan with vision
  • Be an Investor
  • Save regularly

[/vc_column_text][/vc_column_inner][vc_column_inner width=”2/3″][vc_custom_heading text=”Mauris dignissim sem nec nulla cursus, id egestas erat hendrerit” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes”][vc_column_text]Ut vestibulum commodo lorem a suscipit. Donec vitae massa id lectus luctus finibus et ut diam. Cras viverra libero a sem rhoncus ornare eget et est. Mauris at aliquet nulla. Donec non augue et turpis aliquet malesuada in in massa. Vivamus ut nisi imperdiet, commodo lacus quis, luctus orci.[/vc_column_text][vc_custom_heading text=”Cursus, id egestas erat hendrerit” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes”][vc_column_text] Ut ac eros ut orci convallis laoreet in eget tellus. Maecenas in massa quam.Cras pellentesque semper lorem. Vestibulum in nunc eget dolor ultrices tempor et sit amet ipsum. Sed non lacinia ipsum. Cum sociis natoque penatibus et magnis dis parturient montes.[/vc_column_text][/vc_column_inner][/vc_row_inner][/dt_sc_tab][dt_sc_tab title=”Create” tab_id=”1475817260603-2-2″ sub_title=” Invest money for your future”][vc_row_inner][vc_column_inner width=”2/3″ css=”.vc_custom_1473750260465{padding-right: 15% !important;}”][vc_custom_heading text=”Vivamus rhoncus orci quis mi auctor, et ultricies leo feugiat” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes”][vc_column_text]Pellentesque finibus risus quis sapien tristique, vel molestie odio vulputate. Quisque arcu elit, suscipit sit amet diam ac, pharetra hendrerit sapien. Curabitur nec nunc ipsum. Quisque malesuada, eros ut auctor tristique, purus lorem varius eros, ac luctus justo dui at nibh. Vivamus non justo imperdiet, aliquet mi ac, fermentum eros. Aenean dapibus, magna vel gravida placerat, diam nulla dapibus erat, in lobortis nisi nulla sit amet felis. Suspendisse nulla diam, cursus id iaculis non, maximus a nunc.[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/3″][vc_custom_heading text=”Auctor, et ultricies leo feugiat” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes”][vc_column_text]Vivamus non justo imperdiet, aliquet mi ac, fermentum eros. Aenean dapibus, magna vel gravida placerat, diam nulla dapibus erat, in lobortis nisi nulla sit amet felis. Suspendisse nulla diam, cursus id iaculis non, maximus a nunc.[/vc_column_text][/vc_column_inner][/vc_row_inner][/dt_sc_tab][dt_sc_tab title=”Save” tab_id=”1475817300871-3-10″ sub_title=” Get more Returns for your patience”][vc_row_inner][vc_column_inner width=”1/3″ css=”.vc_custom_1473750260465{padding-right: 15% !important;}”][vc_column_text]

  • Create a Budget
  • Be mindful of expenses
  • Zero Base Budget for Assets
  • Plan with vision
  • Be an Investor
  • Save regularly

[/vc_column_text][/vc_column_inner][vc_column_inner width=”2/3″][vc_custom_heading text=”Pellentesque tempus eros quis bibendum pharetra” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes”][vc_column_text]Ut nunc leo, sodales nec ullamcorper sit amet, pulvinar nec purus. Aliquam sit amet accumsan felis. Duis sollicitudin consectetur quam. In at lacus et tellus blandit tincidunt. Suspendisse id risus efficitur, commodo ipsum eget, elementum massa. Nam bibendum erat et varius mattis. Nam eget luctus ante. Phasellus cursus efficitur mauris, nec hendrerit sem ultrices nec. Aliquam eu feugiat arcu. Aliquam luctus erat sed mi ultricies congue.[/vc_column_text][/vc_column_inner][/vc_row_inner][/dt_sc_tab][/dt_sc_tabs][/vc_column][/vc_row][vc_row disable_element=”yes” css=”.vc_custom_1497637542884{padding-bottom: 2% !important;}”][vc_column][dt_sc_simple_heading text=”News From our Blog” class=”aligncenter”]Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi[/dt_sc_simple_heading][vc_column_text css=”.vc_custom_1476695824410{margin-top: 10px !important;padding-right: 20% !important;padding-left: 20% !important;}”]

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Mauris suscipit, est et rutrum blandit, orci enim pulvinar libero, id molestie massa diam ut urna. Praesent faucibus, erat imperdiet euismod lacinia, tortor sem pellentesque leo, ac lobortis risus ligula dignissim magna. [/dt_sc_tm_carousel_item][dt_sc_tm_carousel_item image=”44″ name=”Prince Rane” role=”Manager”]Pellentesque vestibulum ligula eu tempor bibendum. Morbi euismod sodales justo, et pharetra nisl maximus a. Maecenas arcu massa, posuere non euismod quis, vehicula quis sapien. Pellentesque sit amet aliquet nunc. Proin interdum eget elit efficitur porta.[/dt_sc_tm_carousel_item][/dt_sc_fw_tm_wrapper][/vc_column][/vc_row][vc_row disable_element=”yes” css=”.vc_custom_1498067497115{padding-top: 80px !important;padding-bottom: 95px !important;}”][vc_column width=”1/6″][/vc_column][vc_column width=”2/3″ css=”.vc_custom_1476510617250{padding-top: 65px !important;padding-bottom: 55px !important;background-color: #283347 !important;}” el_class=”dt-sc-dark-bg”][vc_custom_heading text=”Subscribe to Newsletter” font_container=”tag:h2|text_align:center” use_theme_fonts=”yes”][vc_column_text css=”.vc_custom_1475065530331{margin-top: 15px !important;margin-bottom: 30px !important;padding-right: 15% !important;padding-left: 15% !important;}”]

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[/vc_column_text][dt_sc_mc_newsletter type=”type6″ email=”Enter your E-mail” button=”Subscribe” listid=”3514305d11″][/dt_sc_mc_newsletter][/vc_column][vc_column width=”1/6″][/vc_column][/vc_row][vc_row disable_element=”yes”][vc_column][dt_sc_partners_carousel scroll=”” visible=”5″ images=”59,58,57,56,55,54″][ultimate_spacer height=”80″][/vc_column][/vc_row][vc_row full_width=”stretch_row” content_placement=”middle” css=”.vc_custom_1475127061591{background-color: #f8f8f8 !important;}”][vc_column css=”.vc_custom_1474881177744{padding-right: 15% !important;padding-left: 15% !important;}” el_class=”contact-info-bottom”][vc_row_inner equal_height=”yes” content_placement=”middle”][vc_column_inner width=”1/2″ css=”.vc_custom_1475835936659{padding-top: 35px !important;padding-bottom: 35px !important;}”][dt_sc_contact_info icon=”icon icon-phone2″]Christina
(401) 203-9749

3010 Post Road.
Warwick, RI 02886

christina.gatteri@myinnovativeplan.com[/dt_sc_contact_info][/vc_column_inner][vc_column_inner width=”1/2″ css=”.vc_custom_1477130271207{padding-top: 35px !important;padding-bottom: 35px !important;padding-left: 9% !important;background-color: #ffffff !important;}”][dt_sc_contact_info icon=”icon icon-phone2″]Sean
(401) 921-3244

3010 Post Road.
Warwick, RI 02886

sean.p.holly@myinnovativeplan.com[/dt_sc_contact_info][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle”][vc_column_inner width=”1/2″ css=”.vc_custom_1475835936659{padding-top: 35px !important;padding-bottom: 35px !important;}”][dt_sc_contact_info icon=”icon icon-phone2″]Daniel
(401) 921-1733

3010 Post Road.
Warwick, RI 02886

daniel.r.angelone@myinnovativeplan.com[/dt_sc_contact_info][/vc_column_inner][vc_column_inner width=”1/2″ css=”.vc_custom_1477130271207{padding-top: 35px !important;padding-bottom: 35px !important;padding-left: 9% !important;background-color: #ffffff !important;}”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][vc_row_inner css=”.vc_custom_1509045661343{margin-top: 2% !important;}”][vc_column_inner][vc_column_text]

Case Studies

[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_separator color=”black” border_width=”2″ el_width=”40″][vc_row_inner css=”.vc_custom_1509045109181{margin-bottom: 3% !important;}”][vc_column_inner width=”1/2″][vc_column_text]Client: Married couple in their late twenties with two children, ages 4 and 2

Challenge:

  • Their residence (a single-family home) was being sold by their landlord.
  • They did not want to move their young family back to an apartment, but couldn’t get approved for a mortgage.
      • Reasons they couldn’t get approved were lack of emergency savings, Wife was a stay at home mom not earning employment income.  Husband had been steadily employed, but only with his current employer for less than two years. Husband also had a poor credit score due to late student loan payments.

     

Strategy:

    • Examine bank statements to understand cash flow
    • Clean up credit report
    • Create a payment schedule to pay down debt
    • Refinance student loans

 

Implementation:

  • After looking closely at cash flow, it was identified that these clients were paying more than their fair share of household utilities.  We spoke with the landlord and renegotiated the arrangement for utilities, saving this family hundreds of dollars per month.
  • Created a schedule of payments so that the clients new exactly how much they could afford to spend each month paying down the credit card debt.
  • Negotiated an affordable payment plan for the student loans.
  • Implemented automatic savings to build up a cash reserve.

 

Results:

  • In less than one year this family qualified for a mortgage.  They found a wonderful home in Warwick to call their own.
  • Credit scores increased to an acceptable number.
  • Cash flow after purchasing the home has remained stable.
  • Saving has become more difficult, but ongoing financial planning has helped them keep a routine of saving a little bit each pay period.

[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/2″][vc_column_text]Client: Married couple in their late fifties, one child living in their home with her husband (age 35)

Challenge:

    • Interest income from savings was creating a tax liability.
    • Adult children were living at home creating a strain on cash flow
    • Life insurance policy was in danger of lapsing.

 

Strategy:

    • Meet with client and their accountant to develop a strategy to lower taxes.
    • Prepare the client for a difficult conversation with children.
    • Contact the insurance company to see what changes could be made to policy riders.

 

Implementation:

    • Implemented a 3-Tier cash reserve system to address any emergencies that may arise.
    • Took excess savings and created a balanced investment portfolio in consideration of the client’s risk tolerance and timeframe for investing.
    • Held a joint meeting with the client’s children to address the sensitive topic of contributing financially to the household.
    • Adjusted insurance policy riders to maintain coverage.

 

Results:

  • The client received a tax refund for the first time in years due to the more tax-efficient savings and investment strategy.
  • The client’s children now have their own cell phone subscriptions and car insurance, and are paying a small amount of rent.
  • We eliminated an unnecessary rider on the policy, which now has the policy projected to last beyond the client’s life expectancy.

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