Composite Finance Inc.

People who are frustrated with financial planning firms that only cater to the "high-net-worth" market will be pleased to know that they now have access to the same quality financial planning and advice that up to now has been available only to the very wealthy.

For the affluent, they now have the option of paying for their financial advice the same way they contract for other professional service requirements, by the hour, as required. 

As-needed financial service works especially well for "Do-it-Yourselfers". Competent, self-trained people who have periodic questions or are seeking a second opinion about their current plans or investment portfolio. This ranges from those who are just beginning to accumulate financial assets right through to the wealthy that are accustomed to managing their own affairs.

The Fee for Service format is especially beneficial to the affluent who dislike paying for services based on a percentage of their assets. Why should the affluent pay more for advice just because they make more money or have a larger pool of capital? Clients that want attention and the neutrality of advice they seek without feeling they are competing for the advisors time will find the fee for service model ideal.

We share many peoples dissatisfaction with both the commission sales approach and the “fee based on assets” arrangement and are providing an entirely rational alternative. We believe that engaging for professional assistance on an “as needed basis” using the Fee-for-Service format is the most cost efficient and effective way to obtain unbiased, high quality financial advice.

Once implemented many comprehensive and carefully crafted plans can endure for decades. Unless you experience or anticipate significant changes in your circumstances all that you will likely require is an annual maintenance check-up. The purpose of the check-up is to update information, assist with strategic rebalancing and to verify that the key assumptions of the plan are still valid.

If you do experience a major life event such as a career change involving different cash flows, an inheritance, a disability or some other significant occurrence then the plan should be modified accordingly. Either way you are not starting again from scratch, we can accommodate substantial modifications quite readily if we are working from one of our existing plans.  

Advanced financial planning and integrated wealth management is based on the premise that all of your financial decisions are inexorably connected and need to be considered on a strategic level to obtain optimum results. Accordingly Composite Finance is also an independent Life Insurance Corporate Agent. We have direct access to most insurers so we can obtain multiple bids on any corporate and personal insurance you may require.

In addition to target-matching personal liabilities and immunizing specific risks, specialized insurance products are routinely employed in various corporate applications. Insurance is also used in estate planning to facilitate the efficient transfer of wealth from one generation to the next.