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Shari Reffsin

Financial Planning

As a CERTIFIED FINANCIAL PLANNER™ professional, I have the extensive knowledge and training to offer comprehensive financial planning services. Through a holistic process, I focus on both short and long-term financial goals, as well as immediate and future needs.

My services include:

Financial Planning

Financial planning is the process of identifying your financial goals and creating a roadmap for how to achieve them. The primary objective is to determine how to build and manage assets and how to plan for the future. To create a financial plan, I help you formalize and prioritize your goals, evaluate your entire financial picture, and develop a customized financial plan designed to guide you toward your objectives. Many of my other services tie into this financial plan.

Investment Management

I build a customized and diversified investment portfolio that complements your other planning concerns. After I define your objectives, I develop a portfolio that may consist of bonds, Exchange Traded Funds (ETFs), mutual funds, stocks, annuities, or other investment vehicles, emphasizing risk management and diversification.

Retirement Planning

Typically, people planning for retirement are less focused on taking risks, and more focused on preserving their wealth and creating a steady income stream that can last through retirement. With this in mind, I develop conservative strategies with a focus on risk management. I seek to identify opportunities for building a consistent income and help you determine when you may be able to retire. I can also offer advice and education on Social Security, IRA rollovers, and other complex financial elements of retirement.

Estate Planning

Many people want to leave a legacy for their family but don’t realize that an estate plan is critical for ensuring one’s wishes are carried out. Without a plan, the state will handle the assets according to probate laws and taxes can quickly add up. I can help you identify how you want to pass on your assets, who will receive what, and when and how. Additionally, I can work with your attorney to assist in ensuring an appropriate estate plan is in place.

College Planning

Many parents and grandparents want to plan for future college funding while still saving for their own retirement. I seek to strike a balance between the immediate need of college planning and future retirement goals. I can help you determine appropriate educational plans, while maintaining flexibility for financial needs as they arise and without losing the focus on your retirement goals.

Cash Flow Analysis & Debt Management

Some younger professionals are concerned with growing their family and careers while paying off debt. I can help you develop debt management tactics designed to improve your cash flow. From there, I can create a financial plan for the future and help you stay on track.


Without the right type of insurance to protect your assets, you could be leaving yourself vulnerable. With access to a wide array of insurance products, I help you determine what type of coverage is appropriate for your circumstances, whether that is life, long-term care, and/or disability insurance options.

*Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Neither diversification nor rebalancing can ensure a profit or protect against a loss.