Our Services

Schaefer Financial Management, Inc. is a fee only financial planning and wealth management firm.  We provide high quality, individualized financial planning, financial management and investment management services to our clients in a completely objective fashion that is geared to assist clients in realizing their financial and life-style goals over the short, intermediate and long terms.

Our services can be divided into three primary areas:

Financial Planning and Financial Management

In the area of financial planning and financial management, we provide a wide range of services to our clients, ranging from single need consultations to comprehensive financial plans designed to integrate every aspect of the client's financial situation.  Among the services provided are:

1. Cash flow management and budget counseling
2. Analysis of debts, including consideration of appropriate consolidation or refinancing strategies
3. Analysis and recommendations for educational financing
4. Analysis and recommendations for retirement financing
5. Analysis of employer provided benefit plans
6. Risk management analysis, including examination of current insurance coverage's (life, health, disability, overview of property and casualty)
7. Tax planning, including strategies to reduce current and future taxable income and transfer tax liabilities
8. Business planning
9. Review of current estate plan and consultation with counsel regarding appropriate revisions to documents, strategies, etc.
10. Analysis of property ownership arrangements
11. Development of charitable gifting strategies
12. Preparation of personal financial statements

Investment Consulting and Management

A common thread that runs through many engagements is the need for investment advice and implementation assistance.  Utilizing the custodial services of Charles Schwab & Co. Inc. we assist our clients in designing, implementing and managing customized portfolios geared toward the realization of the client's goals and objectives.  While portfolios will generally emphasize pooled products including no-load mutual funds and exchange traded funds, every client's portfolio is unique and customized to take into account existing positions, tax sensitivity, the breakdown between taxable and tax-deferred assets and the individual constraints that a client may place on a portfolio.  In every client account, however, we continue to emphasize the need for low cost and tax efficiency, as these are critical determinants of long term investing success. 

Tax Planning and Compliance

Tax planning and tax compliance is an integral part of any well-managed financial plan.  We assist our clients in the ongoing management of the tax liability by carefully incorporating tax considerations into the management of portfolios and the development of financial strategies to realize client goals and objectives.  In addition, we offer tax preparation services to our clients.  Because of our intimate familiarity with the client's portfolio and planning issues, this is a natural adjunct to other services that we provide to our clients.

For a more complete overview of our products and services, as well as fee schedules, please refer to a copy of our form ADV disclosure brochure, available as a downloadable file at this web site address.