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Nancy A. Socha & Associates is a team-oriented firm with a passion for financial planning and helping you identify and achieve your goals. We provide the following services, each customized to your unique circumstances:
Financial Planning. We use sophisticated financial planning tools to create your in-depth financial plan. Items we take into consideration include your current balance sheet, current and retirement cash-flow projections, net-income retirement needs, company stock options, life insurance needs, and children’s college education costs. After we have analyzed all the data that fills in your financial picture, we will provide you with an easy-to-understand plan that is both realistic and actionable.
Company Stock Options. We have created innovative stock option analysis tools to help optimize the value of your company stock options. This detailed analysis will help you understand the true current and potential future value of your options, and how these options fit into your broader financial plan.
Investment Management. Our investment strategy is built on years of experience, extensive research, and a commitment to continually improve our investment process. We are not perfect - but we are passionate, tenacious, and strive to provide sound strategies to achieve favorable risk-adjusted returns.
We are an active asset allocation manager, which means we try to identify which asset classes have the best risk/reward characteristics given the fundamentals of the economy and the technical behavior of the markets. After determining the allocation, we then identify fund managers who have demonstrated success in these investment categories.
Our investment management services are provided on a fee basis; Charles Schwab Institutional is our custodian.
Tax preparation. When you engage us to deliver financial planning and investment services, we can also provide you with year-end tax return preparation, as well as tax estimates at any point in the year.
This information is not intended to be a substitute for specific individualized tax, legal or investment planning advice.
Customized Financial Planning To Reach Your Goals
The foundation for your strong financial future begins the moment you call us to set up a no-obligation, no-cost discovery meeting. In this first meeting, we will ask you thoughtful questions that will help us understand where you are at today financially and what your goals for the future entail. We’ll ask about your risk tolerance and what money means to you; we’ll also review financial data including your assets and liabilities, a recent tax return, your current investment holdings, stock option details, life/disability insurance, and your projected pension and Social Security benefits. At this meeting, we’ll explain what you can expect in working with us, our investment philosophy, and how we can help you chart a plan for your financial future. We’ll also clearly explain how we are compensated.
Should we mutually decide to work together, we will prepare your customized financial plan. About two weeks after our initial meeting, we will meet again to present your comprehensive plan. In discussing the bright spots and weaknesses in your current financial situation, we’ll offer recommendations about how you may implement a plan toward financial independence.
Financial planning is a dynamic process. As your life and the world changes, the strategies laid out in your initial plan may need to be modified to meet your goals. We are committed to providing counsel to help you reformulate your plan as life’s challenges and opportunities require.
Investors should be aware that investing based upon strategies or models does not assure a profit or guarantee against loss. With any investment vehicle, past performance is not a guarantee of future results.
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