Get a Complimentary Second Opinion by a Financial Advisor
A financial second opinion is a fresh review of the plan you already have. N Financial Plans, a fee-only, fiduciary firm, looks at the fees you pay, how your investments are positioned, and how your tax and retirement plans fit together, then explains what we see. It is complimentary and carries no obligation.
You ask for a second opinion at the doctor. Why not do the same for your finances?
Amir’s Anecdote
I once did a complimentary review for a senior citizen, and her advisor was listed as the beneficiary for her account! Talk about malpractice! If you want me to give you a second opinion, I’ll gladly give it. But, know that if you don’t like it, I’m totally good either way. I’m just trying to help you out.
No Mystery, No Pressure
What a Financial Second Opinion Covers
What we review
- The fees you pay today, including advisory fees, fund expenses, and any commissions or product charges
- Your investments and how they line up with your risk comfort and goals
- Your most recent tax return and possible tax questions
- How your retirement plan fits together, including Social Security, withdrawals, and Roth conversions
- Estate planning needs and beneficiary designations
Who this is for
- Retirees and near retirees weighing Social Security, withdrawal strategies, and Roth conversions
- Business owners and executives who want business and personal finances to work together
- Medical and legal professionals with specialized planning needs
- Anyone who is unsure about the advice they have received. There is no minimum net worth, and we meet by video, so location is not a barrier.
What to bring
- Recent statements for your investment and retirement accounts
- Your most recent tax return
- Anything that shows what you pay your current advisor, such as a fee schedule
Missing something? Come anyway. We can start with what you have.
What happens after
We walk you through what we found, answer your questions, and give you your Personal N Financial Scorecard, a snapshot of your net worth. Then the choice is yours: stay where you are, make changes on your own, or keep talking with us. A second opinion seeks to surface questions and trade-offs. It does not guarantee any result.
New to the idea? Read what a financial second opinion is and when it makes sense.
As Featured In
A Second Opinion. A Second Chance at Success.
What’s Included in Our Financial Advisor Second Opinions
If you’re working with a current financial advisor that you’re not satisfied with…
Looking for a fresh perspective on your investments, or curious to change things up a bit, a second opinion can help.
You’ll work with our knowledgeable and friendly Certified Financial Professionals® (CFP®) and IRS Enrolled Agents (EA) with 17+ years of experience.
You’re under no obligation to continue after your consultation. That’s right: our second opinion services are complimentary, with no obligation. But, if you want to continue the conversation, you’re more than welcome to do so. It’s up to you!
Our investment review team identifies your risk score and presents you with a comparison of your current investment allocation as it stands versus your dream allocation/ investment. We also provide resources and educate you on how to make changes that better serve your financial needs and life goals.
Together, we’ll analyze your recent tax return and unearth potential opportunities based on your previous filing. Examples include tax-efficient investment recommendations, high-net-worth wealth management-building strategies, and charitable giving approaches to consider.
At the end of our analysis, we’ll provide you with a comprehensive report we like to call your “Personal N Financial Scorecard.” This report provides a snapshot overview of your net worth and helps you track your financial progress as you move forward.
N Number of Financial Plans. N Number of Ways to Thrive
Why Choose N Financial Plans?
Comprehensive Wealth & Risk Management
N Financial Plans offers a total wealth management experience including portfolio management, comprehensive financial planning, retirement planning, tax preparation and filing, and financial planning for businesses. Our team of Certified Financial Planners® (CFP®) and Enrolled Agents (EA), our network of trusted CPAs, and our attorneys can guide you through every aspect of your financials, as you work toward your financial goals.
Fee-Only Financial Planning For the Win
We choose fee-only pricing over commissions and kickbacks. With our flat-fee-only investment and wealth management, you pay one flat fee for our entire suite of investment planning services. No corporate bureaucracy just honest, friendly, and dependable investment advice.
A Fiduciary-Informed Objective Approach
Since we’re compensated solely by clients and not by referral fees, kickbacks, commissions, or product sales, we take a client-centered approach, aiming for a partnership founded upon trust and transparency. We believe that comprehensive investment management should be holistic to help your investments work in your favor.
Planning by Credentialed Professionals
As both a Certified Financial Planner® and Enrolled Agent (a credential issued by the U.S. Department of the Treasury), our team brings high-net-worth investing strategies for wealth management. With 17+ years of experience in personal financial services, our multilingual team works with clients across the globe to help them work toward their financial goals. We’ll show you N financial ways to plan for you and your money.
Simplifying Complex Financial Processes
Our 3-Step Approach
Schedule a Complimentary Consultation
During your initial complimentary consultation, we’ll get to know you, your financial goals, your values, and your aspirations for the road ahead. We’ll explain what we can do to help you reach your financial goals.
Receive Honest Financial Advice
We’ll look at your current plan and propose an alternative, new plan that considers your current financial situation. We’ll look at your assets, investments, tax implications, estate planning needs, and other wealth management investments.
Make a Plan Reach Your Goals
With an established plan on hand, we’ll compare your previous plan and your current plan. You’ll have the opportunity to choose your next steps with a clearer view of your financial goals.
N Financial By the Numbers
3
Credentials under one roof: CFP®, EA and CRPS™ (dad jokes included at no extra charge)
17+
Years of experience (Infinite experience if you account for parallel dimensions)
$∞
Infinite money conversations worth having!
0
Zero commissions accepted
Opinions People Have About Us
As part of our commitment and dedication to our customers, we like to hear your opinion of us. Hear what others have said about our second opinion financial advisement services.
Straight Answers
Financial Second Opinion FAQs
Yes. There is no charge for the second opinion and no obligation to hire us afterward. If you want to keep talking, our fee structure is published on our fees page, and we will walk through it with you before you decide anything.
No. A second opinion is a review, not a transfer. You are under no obligation to continue after your consultation, and any decision about your accounts or your current advisor stays with you.
It starts with a conversation about your goals and the plan you have today. We will confirm the timing with you when you book your call, and having your documents ready beforehand helps us make good use of it.
Recent statements for your investment and retirement accounts, your most recent tax return, and anything that shows what you pay your current advisor, such as a fee schedule. No documents handy? Book the call anyway and we can start with what you have.
Ask them directly, and ask for the answer in writing: do they act as a fiduciary at all times, and how are they paid? You can also look up an adviser’s Form ADV on the SEC’s adviserinfo.sec.gov site. For the record, we are a fee-only, fiduciary firm. We accept no commissions and sell no products.
It’s on the House…Really!
Kick Off Your Free Financial Planning Conversation
Schedule a complimentary financial planning consultation with our Certified Financial Planners and Enrolled Agents to get the ball rolling on your financial goals. Please fill out the form, or call to get started.
Monday to Friday 9:30AM – 4 PM
By Appointment Only (But, if the stock market is open, we’re open.)
179 New York Avenue, 2nd Floor Huntington, NY 11743