Financial Planning

Financial planning is the process of looking at your immediate and future financial goals and developing a strategy to help to achieve them.

That's the technical definition, but the reality is far greater. Financial planning is all about helping you fulfill your dreams. Whether it's planning for your retirement, paying for your children's education, buying a house, starting a business, or creating an endowment for your favorite charity... whatever you hope to accomplish in your life, we want to help you make it happen.

By its very nature, financial planning should be a very personalized process. At Frank Kapitza & Associates, we take the time to listen carefully to your goals and dreams, ask questions to clarify them, and work diligently to develop the plan that works best for you.

While many people claim to "do" financial planning, very few can match Frank Kapitza's qualifications. Frank has a Masters Degree in Financial Planning from Seton Hall University as well as a Series 7 License, Series 63, Series 65, and Life and Health Licenses.

As an example, many clients of ours have sat down with a Real Estate Agent or a Mortgage Broker who told them the maximum amount that they could qualify for a home mortgage. The problem with this is that the Real Estate Agent or the Mortgage Broker is not taking into consideration the other financial goals in your life such as planning for retirement or investing into your kids' college education. The point here is that sometimes it is much wiser to buy a smaller house instead of the largest you could afford, because buying the bigger house may leave you vulnerable toward the rest of your family's financial goals.