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Financial Tune-up

Atlanta's Certified Financial Planner™
Debbie Montgomery, ia a CERTIFIED FINANCIAL PLANNER™  in Atlanta, GA. She has many financial tools available to assist an individual or small business owner to effectively manage their assets and make crucial financial decisions.

Client Commitment Statement:
To provide a time tested disciplined approach to building a financial plan for individuals and business owners which focus on the needs of the client. Giving the client personalized and tailored service based on their needs. Maintain and build a long-term relationship by educating and updating clients on plan progress. To deliver a high level of service with integrity, honesty and sound advise.

Principled approach:
Establishing financial goals based on a clients values and priorities. Understanding clients past financial experience and what their money represents to them is an important part in building their portfolio. Then educate the client on various investment alternatives. Updating and adjusting the plan in order address concerns as the client moves though different seasons of life or takes unexpected turns.

Financial Planning Process

The Financial Planning Process consists of the following six steps:

  1. Establishing and defining the client-planner relationship.
    The financial planner should clearly explain or document the services to be provided to you and define both the planners and the client responsibilities. The planner should explain fully how they will be paid and by whom. The client and the planner should agree on how long the professional relationship should last and on how decisions will be made.

  2. Gathering client data, including goals.
    The financial planner should ask for information about the clients financial situation. The client and the planner should mutually define the client's personal and financial goals, understand the client's time frame for results and discuss, if relevant, how the client feels about risk. The financial planner should gather all the necessary documents before providing the advice you need.

  3. Analyzing and evaluating your financial status.
    The financial planner should analyze the client's information to assess their current situation and determine what must be done to meet their stated goals. Depending on what services are asked for, this could include analyzing your assets, liabilities and cash flow, current insurance coverage, investments or tax strategies.

  4. Developing and presenting financial planning recommendations and/or alternatives.
    The financial planner should offer financial planning recommendations that address the client's goals, based on the information provided. The planner should go over the recommendations and help the client understand them so the client can make an informed decision. The planner should also listen to the client's concerns and revise the recommendations as appropriate.

  5. Implementing the financial planning recommendations.
    The client and the planner should agree on how the recommendations will be carried out. The planner may carry out the recommendations or serve as a "coach," coordinating the whole process with the client and other professionals such as attorneys or stockbrokers.

  6. Monitoring the financial planning recommendations.
    The client and the planner should agree on who will monitor the progress towards the stated goals. If the planner is in charge of the process, a review should be done periodically with the client to update the progress and adjust the recommendations, if needed, as your life changes.


© Copyright Debbie L. Montgomery, CFP. All Rights Reserved. For a free consultation, please contact Debbie in Atlanta.

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Mutual funds and variable annuities are offered only by prospectus.
Carefully consider the investment objectives, risks, charges and expenses of mutual funds and variable annuities before investing.
This and other information is contained in each fund’s prospectus,
which can be obtained from your investment professional and should be read carefully before investing.
Guarantees are based upon the claims paying ability of the issuer.

Registered to offer securities in GA and PA. Registered to offer advisory services in GA and TX. Holds series 7, 63 and 65 licenses.

Debbie Montgomery is registered with and securities are offered through Kovack Securities, Inc. Member FINRA/SIPC
Kovack Securities Corporate Headquarters | 800-711-4078 |
Advisory services offered through Kovack Advisors, Inc.

DM Financial Planning, Inc., Kovack Securities, Inc. and Kovack Advisors, Inc. are not affiliated.

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