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Sally Pessin
Chartered Retirement Planning Counselor

"Unlike traditional advisors from impersonal  companies, I refuse to have a financial interest in your assets.  This is a fundamental conflict of interest and a major flaw in the financial industry's billing practices.  I do not take a percentage of your portfolio as my compensation; rather, I charge by the hour so you will know exactly what you are paying for ."

We will connect and have a strong relationship.

You will have an advocate for your financial well-being and a partner who takes an interest in you.  I take the time to know you personally and tailor my services to your exact needs.  I patiently explain financial concepts and cheer you on throughout your journey to financial self-empowerment.  There is never a doubt that I am 100% in your corner at all times.

There is no one-size fits all approach to personal finance.

The large firms survive on volume and apply a cookie-cutter strategy to their clients.  Most of their clients' assets are managed by a computer algorithm and handle hundreds or thousands of clients. Managing one’s financial well being is an art as much as a science. Each client is unique and comes with a history, a personality, concerns, fears, and expectations. A traditional financial advisory service does not provide important guidance integral to overall financial wellness.  I help my clients with taxes, estate planning, Federal benefits and Medicare. It takes time and expertise not usually offered by financial advisers and stock brokers.   My approach is to design a plan and a pace that suits your individual needs and will be most effective for you.  This plan encompasses all aspects of your financial life, not only your investments.

With my hourly billing, you will know exactly what you are getting for your money.

You may have a lot “money noise” or have anxiety about money. The last thing I want to do is to exacerbate that. 

Most clients do not know how much they pay for the services of traditional financial advisors.  Most advisors take 1 or 2 percent of your portfolio in fees called, "assets under management or AUM" whether they exert any effort or not -- it's up to you to monitor it; there is no way to know ahead of time how much you will pay for these services because you cannot predict how much your portfolio will be worth at any given time.  So, the bill ends up being a mystery.I have never had a client know what their advisor charges them. Together, we sort through the papers and figure out so that clients know what they are paying.

By contrast, I offer a set, transparent hourly rate that you can control, not unlike a tutor, coach, or therapist.  You will know precisely the value of the services that I provide. 

You will feel secure.

You may need my help and guidance through a current problem or you may simply take comfort in the security of knowing that I will be there whenever you need me.  I provide all of the hand holding you require; emotional support is integral to empowering you to become an active participant in your personal financial wellness.  I pride myself on being responsive to my clients in a timely manner.  Many clients tell me that my services have motivated them to take action after years of inertia or paralysis. 

You will be investing in yourself as well as your family.

Choosing to hire me as your financial wellness coach to learn more about managing your finances means investing in your future; I make the process simple and easy to understand so that it's accessible to everyone.  It's not rocket science, and it's off-putting when advisors use industry jargon to appear to have special knowledge or power that is off-limits to you.  Nothing could be further from the truth.  Your advisor will never care more about your money than you do.  Being engaged with your finances will pay dividends in imparting the importance of personal financial literacy to your children.  Parental modeling is the most important way that children learn.  There is no better skill to help your children to become independent adults.  Managing one's finances is integral to almost  everything.  You want your children to have a healthy relationship with money.  This is value that can only be learned at home through repetition and on-going discussions.  Let me help you to start that conversation with your children.

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