Complete Suite of Services

Asset Management

We provide – Creation of investment portfolios, recommendation of securities, asset allocation, percentage allocation, and goals based planning as determined by client assessment.

We provide – Recommendation of  securities, effect securities transactions and active account management – perform more active and tempered aggressive investment strategies, tax strategies, capture of and investing realized gains.

We provide – Portfolio Asset Management services may be provided on a discretionary or non-discretionary basis.

We provide – no account minimums

We provide – a level of attention and respect for you that we believe is unmatched in our industry. Everything that we do has to be understood by you. If you have concerns or express doubt about certain risks, we gladly make proper modifications to make sure you never leave your comfort zone.

What we know – every investor and every person has a comfort zone. That comfort zone is never breached.

Our philosophy – every investment portfolio we create has a margin of safety built into it.

Tax Planning Mitigation

Conaghan Financial employs strategies and methods to minimize taxes. Many investors do not fully understand just what exactly is the AMT and how it is triggered. Let CFS consult you with methods to avoid unnecessary tax liability. In addition, we properly invest your assets that save you on taxes. There are very few, if any, advisors who know and understand the tax minimization investing than Conaghan Financial Services.
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360° Financial Planning

This is where mediocrity separates from excellence! Conaghan Financial Services has defined with great articulation and resolution just what financial planning is: According to Alex Conaghan, financial planning is this

it is the comprehensive and complete 360° solution to secure one’s future wealth, where by to determine one’s future cash flow needs and provide solutions to meet those cash flow needs, and to protect those cash flows. To address and arrive on target future account values through investment procurement, management, skill, and technical acumen whereby all future cash flows will meet and cover all future living and healthcare expenses, and provide a plan to protect assets, minimize taxes, and pass inherited wealth to future generations.

Let us give you a roadmap for life

Small Business Retirement Planning

If you are a small business owner or sole-proprietor, let us help you secure your future. This is probably one of the most important reasons why we do what we do. There are scores of self-employed people who have not been filing their tax returns correctly, and the negative result is that they have not paid enough into their social security self-employment taxes, and therefor do not have enough credits accumulated for social security benefits. Too many self-employed people live on cash, and fail to report all earnings and fail to pay self-employment taxes. We cab correct this issue. Let us…

1. review types of plans available as to advantages and disadvantages of each; find best solution for employer;
2. provide payroll for small business owners and administrative processing;
3. creation of plan documents, open accounts, provide employee/employer investment advice, and may recommend securities;
4. may involve effecting securities transactions.

401k Rollovers

Time and time again I have seen mistakes happen with the Do It Yourselfer’s. If you are a DIY’er, that’s OK. Consult Conaghan Financial Services before you start. We will properly rollover your 401k to the institution of your choice, and we ensure that it is done correctly. Much too often, people who perform 401k rollovers incorrectly end up taking an unintended distribution on the rollover and paying taxes through federal withholding and the 10% early withdrawal penalty. Many people do not fully understand the tax consequences of mistakes with 401k rollovers, and the difference in withholding they have to pay out of pocket to restore the account balance to whole to prevent taxes. This is one professional consultation that should be scheduled as we know the mechanics of rollovers. Try not to fall into the trap that so many others do and think you can do this error free. Let us help you. Your 401k account and future security is simply worth too much to take such a needless risk.