“It’s Your Money” Do you have anyone advising you on your finances?
Start your process by considering Duncan Financial Management as your financial adviser. By understanding our client’s goals, dreams and concerns which are unique to every individual and couple, the firm can develop a path you can understand to assist you in achieving financial success. With Jeff Duncan’s experience of being in the financial services business since 1986 after graduating from St. Louis University with a bachelor’s degree in finance and spending his entire life in St. Louis, Jeff has a unique insight and experience few advisers in the St. Louis area have in directly assisting clients through today’s complex financial world and overabundance of information.
Besides working with Jeff Duncan directly, clients of Duncan Financial Management have access to current financial updates via our website, quarterly newsletters and client events at Sunset Country Club. We have an open door appointment policy with clients, a knowledgeable experienced staff, access to competitive and the latest financial products, and lastly trying to achieve client’s goals at a competitive expense ratio.
Duncan Financial Management has produced five vignettes of common areas of interest individuals and couples need assistance or questions about when developing a long term financial plan. Please take the time to review a subject or subjects you think about when it comes to your finances.
We understand prospective clients are apprehensive when discussing their finances. Even though Jeff has been in the public spot light through the St. Louis and National media for several years, we produced the vignette concerning the first and second appointment process with prospective clients.
Leaving a Legacy
With our experience of discussing finances with hundreds of prospective clients and clients, we understand at times the public doesn’t have the experience and/or the financial products available to them to provide a legacy to their children, grandchildren and/or institutions in a tax efficient manner. In addition, how to provide the maximum dollar benefit with the appropriate risk tolerance of the client. This is especially true in today’s high tax, large government deficits and debt. In addition, a future of fewer monies available for government programs such as Social Security, Medicare and Medicaid.
In the past, people retired with a pension, Social Security and some addition monies they saved for retirement. Many times, the public didn’t have to implement a financial plan to provide them monies to replace their income when they retired. Now, with the last 12 years of a stock market that hasn’t appreciated like the 80’s and 90’s and with advances in medicine, many individuals face the fear of running out of money during their retirement years.
Study after study has concluded investors make the wrong decisions when investing their hard earned monies. Buying high and selling low. In addition, folks find themselves being charged or at times not knowing what they are being charged for financial advice and other expenses. Many financial services companies have one size fits all when it comes to charging for financial services. At DFM, we customize our service fees.
We are asked by prospective clients, what question or questions should we be asking our adviser? One of the most overlooked areas is what are the goals, dreams and concerns of my adviser and his or her firm? Does my adviser’s future plan fit the long term needs of the client?