Here at Fordham Financial Services, Inc., we know how hard everyone works to earn and save money. We don’t want to see anyone lose money because they put their money in a place where they have volatility or risk because of a market downturn.

At Fordham Financial Services, Inc., we put our clients in a product that will keep their principal and interest protected, so they no longer have to worry about whether the market is up or down. No more roller coaster rides year-after-year only to watch when one bad year wipes out half their money.

At Fordham Financial Services, Inc., we believe everyone should keep some of their money in a place where the principal and interest is protected from loss. If you want some of your hard earned money in a place where the principal and interest is protected, please call us and set up a time to meet with one of our representatives, and we will be happy to completely explain your alternatives and introduce you to a product we believe might be right for you.

At Fordham Financial Services, Inc., we provide fee-based investment advisory services. Our clients’ assets are held at Charles Schwab Institutional. We are a member of the Charles Schwab Institutional platform.

We are licensed with a variety of insurance carriers to provide term insurance, long term care insurance, disability insurance and various permanent insurance policies as needed. As an independent insurance agent, we only work with the best insurance companies.

At Fordham Financial Services, Inc., we work alongside estate planning attorneys depending on each client’s situation. The objectives include achieving personal goals of the client, efficient transfer of assets, minimal tax cost, and family harmony. Since the legal issues faced by clients of any age can be quite varied, part of the attorney’s role is to determine the client’s needs, manage the client’s expectations, and present an understandable strategy for achieving the objectives.

Although one of the major responsibilities of the attorney is to draft the documents, the process also includes disability planning, income and estate tax issues, planning for efficient distribution of assets, long-term care planning, retirement planning, and financial planning. Some attorneys may specialize in certain areas, while others may provide a more general focus. It is important that all professionals work together to represent the interests of a particular client. In today’s environment, the work of agents and financial advisors is integrated with the issues of estate planning, tax planning, retirement planning, and long-term care.

As a trusted advisory firm, clients turn to us for advice on whom to contact if they have other issues or problems that need to be addressed. Fordham Financial Services, Inc. works with outside attorneys and other professionals to address the specific needs of our clients.

Here at Fordham Financial Services, Inc., we have noticed that many financial advisors do not have a direct relationship with the individual’s CPA. This can cause many problems and directly impact the individual or company’s future. At FFS, our head investment advisor is a CFP® and a CPA to avoid these costly mistakes. CPAs and financial advisors work together to address the most important aspects of an investor’s financial life.

In the grand scheme of working with an investor, the financial advisor provides investment options whose descriptions are in line with the client’s goals while the CPA structures the investments in favor of the investor as it pertains to taxation. This way all sides benefit. The client gets the best of both worlds from each professional, and both the CPA and financial advisor either earn a new client or strengthen their already existing relationship.

Although there can be some overlap in skills, CPAs tend to provide the highest levels of expertise on taxation and regulation while financial advisers often are more focused on helping people with personal financial planning, retirement and estate planning, college funding, investing, risk management, and business succession planning.

College tuition continues to rise each and every year. We can help you be better prepared when the time comes for your loved one to enroll. Whether you are planning for your children’s college or your grandchildren’s, we can tell you the different options on how to fund their college tuition. We look at every scenario and lay out the options for you so you can make your educated decisions on how to fund their college.

Whether you’re seeking simple retirement planning tips or in-depth retirement planning strategies, you’re likely to find answers at one of our free retirement planning education seminars. We cover topics like the amount of tax on retirement income to expect, retirement income management, how to optimize your Social Security income, and a variety of retirement planning options. When it comes to your individual values, desires, and goals, one size rarely fits all. Check out our upcoming seminars page to attend one of our next events.