Work with Joe
Service Models
We offer three distinct service models designed to meet the diverse needs of our clients. Whether you’re looking for comprehensive financial planning, strategic investment management, or specific product solutions, our goal is to provide you with the right tools and guidance to help you achieve your financial goals.
1. Comprehensive Financial Planning
Relationship-Based | Fee-Based Financial Planning
Our comprehensive financial planning service is an advice-driven relationship designed to help you organize and prioritize your financial life. Here’s how it works:
- Financial Position: We start with a full assessment of your current financial situation, taking into account your income, expenses, assets, and liabilities.
- Risk Management: Together, we evaluate your risk exposure and develop strategies to mitigate these risks, helping to ensure your financial stability.
- Wealth Accumulation: We help you create strategies for accumulating wealth over time, tailored to your unique goals and circumstances.
- Tax Planning: Our planning includes strategies that aim to reduce your tax burden and maximize your after-tax income.
- Retirement Planning: We guide you in setting and pursuing your retirement goals, whether you’re saving for early retirement or planning your golden years.
- Estate Planning: We assist in legacy planning, wealth transfer, and estate planning strategies, ensuring your wishes are fulfilled.
- Cash Flow Strategies: Optimize your income and expenses to help maintain a healthy cash flow.
- Tax Reduction Strategies: Minimize your tax liabilities through careful planning.
- Legacy Planning/Wealth Transfer: Designed to ensure your wealth is passed on according to your wishes.
- Plan Implementation: While the planning is advice-driven, the implementation* can be done at a firm of your choosing. We also collaborate with your other advisors, such as CPAs and attorneys, to ensure a holistic approach.
This service may be appropriate for those seeking a long-term financial roadmap tailored to their specific life goals.
*Implementation of specific products or services may result in commissions or fees outside of the financial planning fee.
- Access: 24-hour access to your online accounts for complete transparency.
- Investment Options: We offer access to a broad array of investment options including funds, Real Estate Investment Trusts (REITs) and Separately Managed Accounts, based on your suitability profile.
- Fees: The annual fee is based on the amount of assets managed, not on fund selection or the number of trades.*
- Account Size: Suitable for a wide range of account sizes, from small to large portfolios.
This model may be appropriate for clients who prefer a hands-off approach to investment management while seeking professional guidance and personalized strategies.
*Investment management fees, administrative charges, and execution/clearing/custody feeds may also apply
2. Investment Management
Investment-Based | Asset Management Fee
For clients seeking a customized portfolio utilizing strategic asset allocation, our investment management service is designed to help you grow and protect your assets. Here’s what you can expect:
- Client Asset Management: We manage your portfolio with a focus on diversification and risk management, adjusting as your goals and circumstances evolve.
- Strategic Asset Allocation: We develop a tailored asset allocation strategy that aligns with your risk tolerance, investment goals, and time horizon.
- Client Analysis & Reporting: Regular analysis and reporting ensure that your investments are on track and aligned with your financial strategy.
- Risk Management: Our approach includes thorough risk assessments to in an effort to guard against market volatility.
3. Product Solutions
If you have a specific financial need that can be addressed with a targeted product solution, this service model might be the right choice.
- Suitability: The product recommendation is based on your specific need and suitability profile.
- Flexibility: Access to a range of financial instruments designed to meet targeted needs.
No matter which service model you choose, Joe Stabile is committed to providing you with the highest level of service and expertise to help you achieve your financial goals.
Typical Client Profiles
Solopreneur / Small Business Owner
Challenges: Managing cash flow, retirement planning, business succession planning.
Goals: Financial stability for business and personal life.
High-Income Earner with Equity Compensation
Challenges: Navigating complex compensation packages, tax implications.
Goals: Maximizing equity benefits, long-term wealth planning.
High-income Earner with Student Loans (Doctor, Attorney, etc.)
Challenges: Balancing loan repayment with wealth building.
Goals: Efficient debt management, future financial security, tax efficient strategies.
Common Needs
- Seeking a professional to help make confident financial decisions.
- Focus on family financial security and long-term planning.
Your Unique Vision with Our Systematic Approach
Engage
1
Engagement Meeting
Day 1
Initial client meeting to understand your unique goals and objectives.
2
Data Gathering Meeting
Day 7-14
Second meeting to gather data to develop your personal plan.
3
Analyze Information
Day 15-28
Meeting to analyze your current situation based upon the data you provided and develop comprehensive solutions.
Assess
Execute
4
Plan Presentation
Day 30
Review your initial plan and discuss recommended strategies.
5
Implementation
Day 30+
Implement* plan and recommendations and products to help you attain your goals and objectives.
*Financial plan recommendations can be implemented with the advisor of yoru choosing. Implementation of specific produts or services may result in commissions or fees outside of the
6
Ongoing Financial Planning Relationshop Model - Personalized and timely
Monitor your plan and make updates periodically based upon changes to overall goals, objectives and life changes.
Ongoing Planning Relationship
Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Neither MML Investors Services, LLC nor any of its subsidiaries, employees or representatives are authorized to give legal or tax advice. Consult an Estate Planning Attorney, Tax Attorney and/or CPA for advice on specific legal and tax matters.