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08/25/2020
COVID-19 Announcement
Shoreline Financial Advisors has remained open and will continue to be here for your needs with the same high level of service. Although we are not meeting clients face to face, we can meet virtually through a Zoom-type system. Please call our main line at 203-458-6800 to ask a question, arrange a phone call or set up a remote meeting. We can “share” computer screens to facilitate discussions.
There may be rare circumstances where you may need to drop off forms at our office (most can be done electronically, and we will walk you through every step). For everyone’s safety, we ask that you prearrange these drop offs.
This is an evolving situation and we hope to be returning to normal operations in the near future. We thank you for your understanding and patience. Stay safe and we hope to see you soon.
Why Hire a Fiduciary Financial Advisor?
As a fiduciary financial advisor we are required, legally and ethically, to provide advice in your best interest. This seems obvious, however, the majority of “financial advisors” do not provide best interest advice. As an SEC Registered Investment Advisor, we do. Shoreline Financial Advisors has been providing trusted and unbiased advice in financial planning and investment management since 1996.
Why Create a Plan?
Your financial life can become complex. A financial plan, with the help of a fiduciary, can process these complexities into a road map. This road map can help you to move forward.
Let’s be honest, most of us spend more time planning our vacations than we do planning our future. Even more, you know that it is easy to put it off until tomorrow. Therefore, the best time for you to start is today.
Why is Independence Important?
Most of the giant brokerage firms limit their “financial advisors” to an approved list of investments. Consequently, these lists do not include lower cost investment vehicles. Funds like Vanguard or DFA.
In contrast, an independent financial advisor recommends the best solution for you. Further, there are no proprietary products, no hidden fees, no sales quotas.
Word of the Week: SIMPLE IRA
A SIMPLE IRA is a retirement savings plan that most small businesses with 100 or fewer employees can use. “SIMPLE” stands for “Savings Incentive Match Plan for Employees,” and “IRA” stands for “Individual Retirement Account.” Employers can choose to make a non-elective contribution of 2% of the employee’s salary or a dollar-for-dollar matching contribution of the employee’s contributions to the plan up to 3% of their salary.
Definition from investopedia.com
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