|
|
||||||||||||||||||
Personal & Business Financial Services | ||||||||||||||||||
|
|
||||||||||||||||||
|
|
||||||||||||||||||
|
|
||||||||||||||||||
|
||||||||||||||||||
|
|
||||||||||||||||||
| Mission Our mission is to provide advice and assistance to a client for the purpose of achieving the client's financial goals. Our Commitment We help individuals reach life-long objectives by explaining the multitude of options that are available to investors and by designing investment strategies. Every investor is different and investment strategies change for each investor over a period of time.We continue to study the shifting investment environment and the universe of products available to an individual investor, a family or a business. We feel our role is always evolving with the clients' needs, life stages, and with the market. About this Practice Cheryl Bragg does overall financial planning, both personal and business, for all income ranges. Our only requirement is that the client be serious about his/her financial future. Cheryl Bragg is very active in the professional community. She is frequently quoted in both local and national publications. She is dedicated to helping people plan for education, retirement, and their estates. Cheryl has been offering advice since 1983 after many years as a high school math teacher. She feels she is still teaching, but to a different audience. Furthermore, she has helped many people retire and many businesses start retirement plans. Cheryl can provide prospective clients with multiple references. The Benefits of Financial Planning Financial Planning can help you set realistic financial and personal goals. It also allows you to assess your current financial health by examining your assets, liabilities, income, insurance, taxes, investments, and estate plan. A realistic, comprehensive financial plan forces an individual to address financial weaknesses and build on financial strengths. Once a financial plan has been put into action it becomes a lifelong process, which needs to be monitored for progress. This enables the client to stay on track to meet changing goals… changing stages of your life…changing products, markets, and tax laws. Do I Need a Financial Planner? Only if you can answer "yes" to these inquiries: ¨ Lack of expertise, time, or desire to manage your financial life. ¨ Trouble getting started. ¨ Need a third-party perspective. ¨ Feel you cannot take the emotion out of difficult financial decisions. ¨ Cannot stay focused and follow through with your financial plans. Often a specific event or need will trigger the desire for professional financial planning guidance. These might include: ¨ Saving enough for retirement, or rolling over a pension or IRA. ¨ Handling the inheritance of a large sum of money or other unexpected financial windfall. ¨ Making stock option choices. ¨ Preparing for a marriage or divorce. ¨ Planning for the birth or adoption of a child. ¨ Facing a financial crisis such as a serious illness, layoff or natural disaster. ¨ Caring for aging parents or a disabled child. ¨ Coping financially with the death of a spouse or close family member. ¨ Funding education. ¨ Buying, selling or passing on a family business. ¨ Getting a second opinion on current investments. Why a CFPTM Professional? To earn the CFPTM designation and remain licensed as a CFPTM professional, Cheryl has met four main requirements: Examination - Successfully completing the CFPTM Board's comprehensive certification examination, testing knowledge on various key aspects of financial planning. Experience - Acquired three to five years of financial planning-related experience before receiving the right to use the CFPTM mark. Ethics - Voluntarily ascribe to the CFPTM Board's Code of Ethics and additional requirements as mandated. CFPTM licensees who violate the code can be disciplined, including the permanent loss of the right to use the CFPTM mark. Education - Complete at least 30 hours of continuing education every two years to stay current in financial planning knowledge, including ethics. Compliance with these four all-important areas assures you that an individual who holds the CFPTM license is well prepared and qualified to give you sound, professional advice.. Elements of a Financial Plan The financial planning process can be applied to meet the client's needs on any of the following: ¨ The full range of client goals on a comprehensive basis. ¨ A subset of the client's goals on a more limited basis. ¨ A single client goal on a specialized basis. A comprehensive financial plan should contain an analysis of all pertinent factors relating to the client. The plan should include, but not be limited to, the following elements. 01. Personal data 02. Client goals and objectives 03. Identification of issues and problems 04. Assumptions 05. Balance sheet/ net worth 06. Cash flow management 07. Income tax 08. Risk management/ insurance 09. Investments 10. Financial independence, retirement planning, education, and other 11. Estate planning 12. Recommendations 13. Implementation When developing a comprehensive financial plan, the planner is responsible for all of the elements of the plan, from data gathering through analysis and presentation to the client. Those elements of the plan, which the planner does not personally perform, remain the responsibility of the planner to coordinate. When the planner does not personally perform technical areas (such as legal and insurance services), the financial plan or supplement should include supporting documentation that these areas have been or will be coordinated by the planner. Analysis of each element of the plan should consist of a review of pertinent facts, a consideration of the advantages and/or disadvantages of the situation, and a determination of what, if any, further action is required. The plan should include a summary statement providing the planner's comments on the analysis, and his or her recommendations, where appropriate, for each element of the plan. |
||||||||||||||||||
| Securities
offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Cheryl J. Bragg & Associates, Inc. is independent of Raymond James. Raymond James Financial Services, Inc, and their subsidiaries and affiliates, take no responsibility for any content on this website, nor endorses, verify or attests to any representations, warranties, claims or statements made by Cheryl J. Bragg & Associates either on this website or otherwise. This site is published for residents of the United States only. Raymond James' Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.
|
||||||||||||||||||
|
Home | Biographies | Disclosure | Fee Schedule | Contact Us | New Client Form | Financial Worksheet Net Worth Form | Women and Investing | Securities Glossary | Insurance Glossary | Sites of Interest |
||||||||||||||||||
|
|
||||||||||||||||||
