Thomas Brown - Financial Advisor in Latham, NY | WiserAdvisor.com

Brown Financial Management Group LLC

Mainly involved in setting up retirement plans for businesses.  We can refer you to group insurance specialists.

All major financial planning areas are covered/reviewed to provide comprehensive planning for both short and long term goals with continued guidance.

Very well seasoned advisor with both wisdom and common sense in one package! That is very rare in this day and age.

Fully disclosed and unique process to custom tailor investments to the needs of the client.  We do not do "cookie cutter" portfolios where everyone gets the same thing. Investment performance disclosure and quarterly portfolio reviews.  We are the real deal!

Projections completed to include inflation, the return on your nest egg, social security, pension if any. Shows approximately what you can safely spend during retirement, projected out to age 100 or beyond.

We do many 401K rollovers and the investment process is the same as you see under the "Portfolio Management"
section above.

Mostly Long Term Care insurance counseling. Also can do life and disability coverage if needed.

If appropriate for the client, we can place both fixed and variable annuities for you.

We can assist you with setting up the basics of your Estate but ultimately an Estate Planning Attorney has to draw up all the legal documents such as your Will, Power of Attorney, Health Care Proxy, Living Will or Trust Document if needed.

We do not prepare taxes but must have tax knowledge to properly advise you in other financial areas.

We do projections of what you may need in the future at college time based on inflation, rates of returns on investments and how much you need to invest each month to meet your goals. Assist with setting up tax advantaged 529 College Savings Plans.

We actually do what others only say they will do. We have quarterly reviews of your portfolios and prefer to charge a fee based on the amount of assets under our management rather than deal on a commission basis. Any portfolio fine tuning is done quarterly and interim if necessary.

Part of the entire portfolio management process and includes deferral of taxation if appropriate. Estate planning is also a part of Wealth Management.

Part of the entire portfolio management process. From an insurance protection standpoint, we assist/advise in most  areas.

We do not do budgeting for clients but do assist with analyzing your expenses/cash flow if requested.

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Thomas Brown

Brown Financial Management Group LLC

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