We offer a variety of tools to help you make educated decisions about your professional and personal financial goals. Living a financially balanced life is not an accident, neither is being a successful business owner. Both are the result of a carefully planned and properly executed financial roadmap. With a combined total of 40 years of experience, rest assured that Fulbright & Fulbright, CPA, PA and Fulbright Financial Consulting, PA have the tools, techniques and talent required to help you realize important financial goals.
If you struggled to answer any of the above questions, then it's time to see us. We can help you set and exceed financial goals so you can start enjoying a life of financial independence.
If you're ready to make the first step in the direction of financial independence, then call us today.
Financial Freedom Highway,919-544-0398
Business and executive coaching services with an emphasis on entrepreneurial ideas such as professional and business goal implementation, organizational structure, strategic planning, life balance issues, revenues/income growth, marketing strategies (including intro to personal public relations/networking), professional mastery and success strategy implementation. Can include tax return preparation as well as quarterly financial statement preparation
Middle and upper income technical, creative and licensed professionals and entrepreneurs. We have helped clients with life balance issues, those making the leap to self-employment, financial changes (i.e. career shifts, job advancement, signing bonus, stock options, lottery winnings, legal settlements, etc.)
To set up an appointment, please call 919-544-0398 or send an e-mail to firstname.lastname@example.org
Every Great Athlete Has a Great Coach, Learn How a Great Business Coach Can Help You Have A Great Career.
We use a Functional Asset Allocation (FAA) approach to investing. We find that each asset category serves an important purpose in people’s lives. For example, although most money managers recognize real estate as a separate asset class, they do not consider it when constructing an asset allocation model. The value of your personal residence represents more than a straight financial calculation would indicate. A great deal of your home’s value is in your own enjoyment of it. The enjoyment can not be accounted for in fancy computer models. For professional money managers, it does not exist. It is also usually the largest and most profitable investment a family has. In our model, it is recognized as the best protection against inflation.
FAA is based on optimizing the way people utilize their assets in a household and on the psychological needs combined with the life goals of real people in a dynamic society. Interestingly, our experience and comparative analysis have found that FAA provides most of the benefits of diversification offered by modern portfolio theory. It also yields a better after tax return with less risk for most of the people we work with.
FAA has three asset categories which address specific purposes:
Equities or Ownership in the Great Companies of America and the World = Profits During Prosperity. Equities are the growth engine of the portfolio but are also subject to the most volatility. The Equities asset category includes four asset classes: Domestic equities, international funds and gold bullion (hedge dollar), individual stock holdings (higher volatility), and employer stock. Most standard asset allocation approaches ignore the reality that company stock plans are the driving force (requiring careful tax management) in the portfolios of many employees. Reality requires that “Recreational investments” in individual stocks, which involve ad hoc stock picking based on market timing systems and are comparable to gambling, carry a different risk component for small investors because there is not enough money to diversify adequately. Equities provide growth during periods of prosperity. They are the engine that has enabled many families to greatly increase their net worth.
The advantage of using the Functional Asset Allocation approach for your investment portfolio is that each asset class performs a discrete function in your portfolio. This enables you to hedge yourself against the two economic dangers, inflation and deflation, while still enabling you to have a part of your portfolio poised for growth in times of prosperity. This eliminates the need for market timing. Firms that sell securities devised the traditional allocation systems used today by most financial advisors. Because they were devised by securities firms, they ignore important aspects of the portfolios of real people, such as their real estate holdings, complications involving employer stock, leverage, and tax considerations. These factors are not revenue producers for most financial advisory firms, so they are generally ignored by financial planners who work for financial institutions.
The Analogy of the Farmer
The most effective analogy we have found to help people understand FAA is to think of your portfolio as if you were a farmer:
Primary Investment Vehicles
About Fulbright Financial Consulting, PA
Fulbright Financial Consulting, PA was founded by Edward D. Fulbright, CPA, CGMA, PFS. Ed is a member of The National Association of Personal Financial Advisors (NAPFA) and The Alliance of Comprehensive Planners. This distinction means Ed specializes in personal finance management and is able to provide objective financial advice based on more than 20 years of industry experience. As a fee-only financial consulting and advisory firm, our primary focus is in the best interest of our clients. We don't receive compensation from the sale of financial products that we recomend. As a fee-only firm, we provide objective, unbias financial advice to our clients.
What is Financial Planning?
Most people don't take full advantage of the benefits of having a financial advisor. Good financial planning will prepare you for what we call "The Triple Whammy". Simply put, The Triple Whammy is when 3 bad things happen in 6 months. For example, how quickly could you recover from the loss of your job, your house burning down and the stock market crashing - all in a matter of months? As a financial consulting and investment advisory firm, our specialty is personal finance. We help you develop an action plan for best and worst case scenarios.
We help you build wealth, protect your assets and make sound financial choices.
Financial Planning Services:
We provide comprehensive financial advice that is completely objective. Because we don't receive compensation from the sale of financial products that we recommend, you receive unbias information. Every financial plan we design is customized to fit your individual financial needs and goals. Our services include a variety of planning initiatives to help you with every aspect of your financial well being. The list of available consulting services is substantial; therefore a consultation is encouraged to better address your specific areas of concern. Popular consulting services include:
How do we make a Difference?
Our Holistic Approach - All areas of your financial life are integrated into one overall comprehensive plan.
Our Fee-Only Commitment - independent financial consulting and investment planning from a firm that receives no compensation from the sale of financial products that are recommended
Open Retainer Program - The flexibility of consulting with a financial advisor as often as necessary (during the retainer period) for one flat, annual fee.
Credentialed Professionals - Our financial advisors are licensed professionals, Certified Public Accountants (CPAs) (or an equivalent), and have received extensive education, training and "real world" experience in the financial industry.
Brochure - "Uncertain of Your Financial Future? - An overview of the open retainer program
Fulbright Financial Consulting, PA - Firm Services - General information about the firm's services
Commonly Asked Questions About The Firm - Frequently asked questions potential clients have about the firm's services.
What makes Fulbright Financial Consulting, PA Different? - Learn more about how we save you time & money
Financial Satisfaction Survey - Determine your financial concerns about your life and money
Confidential Questionnaire - (Electronic Version) An in-depth questionnaire that helps to evaluate your specific financial planning needs, establish your financial goals and objectives and determine your attitude toward risk.
Traditional CPA services:
We recommend our small business clients to use a payroll service such as Paychex
We assist in the preparation of business plans and can bring in specialists for market studies on an as needed basis.
We recommend our small businesses with little or no inventory to use Quickbooks Pro® (pickup the most current version at most any office supply store or use the on-line version). Assistance with installation can be arranged. We also perform in-house compilation work on an as-needed basis.
Tax return preparation:
We prepare fiduciary, individual, partnership, LLC, Non-profit, S-Corp, C-Corp, Multi-State and other regulatory reports.
We perform entity advisory committee and corporate board set-up assistance and regular meeting presentations.
Seminars & Workshops:
We perform seminars for various venues including non-profit organizations, small businesses, corporate divisions and conventions.