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Personal Financial Services

Abilene Personal Financial Services

Half of Americans live paycheck-to-paycheck. “Normal” is being just one missed paycheck away from a serious financial disaster for most families.

We are committed to providing personal attention to our clients. As a firm, we take pride in assuring you the personal assistance you receive comes from years of training, technical experience, and financial acumen. Our continual investment of time and resources in professional continuing education and extensive business relationships is indicative of our commitment to excellence.

We want you to understand how you will be able to build and preserve your personal wealth.  We do not have "assets under management" (nor do we sell insurance or annuities).  We work with you and your investment manager.  We frequently find clients lack an understanding of their personal finances.  Our goal is to help you have a better understanding of your personal finances.

Our highest priority is to guide, equip and encourage you to make the best financial decisions for you.

The traditional personal financial planner focuses on your portfolio by providing specific securities and investment advice. This business model is all about managing the money you already have. You give them control of your assets and they do the work for you.  Personal Financial Planning is a disciplined process to clearly define financial goals, gather information about resources available to meet those goals, and developing a plan to achieve them.

Personal Financial Coaching is different. It focuses on your education, growth, and decision making process so that you master wealth building skills and serves as an "interpreter" to help you understand what your money managers are telling you.

What is financial coaching? Financial coaching is a confidential, judgment-free service to help address current and immediate issues, which may lead to proactively map out actions needed to accomplish future financial goals. The coach will help the client clarify their goals, suggest changes as needed, and assist in aligning client-specific priorities with a financial plan (if the client has one prepared by a financial planner) to achieve major life goals.

We are a fee-only firm, wecharge only for our services.  We do not give specific investments advice  We are not registered as an investment advisory firm and do not provide those services.  We do not sell any third-party products like investments or insurance.  We provide unbiased guidance that is centered on the best interest of the client.

If you want someone to manage your investments and your money for you, then you probably want an investment advisor and not us. We will help you understand and navigate all the options so that you can make the best educated decision possible for your finances – but we will not tell you specifically what to invest in or manage your investments for you.

Financial coaching is for people who have realized that their financial situation isn’t quite in the place where they know it should be, and they want someone to help walk alongside them to guide them into a place of enhanced financial fitness.  It may be developing a budget, evaluating you cash flow, analysis of your emergency funding, analysis of your debt and identify a strategy to reduce it, or an analysis of your retirement planning.

Jerry Love was awarded the Personal Financial Specialist credential by the American Institute of Certified Public Accountants. The PFS credential, established in 1987 by AICPA, is awarded to qualified CPAs with considerable professional experience in financial planning. Currently, several thousand CPAs hold the PFS credential nationwide.

Financial success does not just happen.  Building and preserving your personal wealth requires attention.

Our personal financial services include but is limited to planning segments for retirement planning, budgeting/spending analysis, cash-flow management, debt structure, personal budgeting, education planning, income tax and estate planning.  We strive to help clients make critical decisions that affect their future.

As your financial situation evolves and increases in complexity, it becomes more difficult and more daunting to navigate the ever-changing economic environment alone. That’s when the expertise and advice of an experienced and knowledgeable financial professional can be an invaluable resource.

As a CPA Firm we are well equipped to provide you with the proper guidance both from a tax perspective and from a financial perspective. Our personal financial services offer independent, objective guidance with no product strings or sales commissions attached. No financial products are sold. Planning is performed based upon a previously agreed-upon fee.

We help you understand to key financial stages of your life and encourage you to consider how you can best meet them...

  • Retirement  -- identify your retirement needs, analyzing your assets and sources of retirement income, reviewing estimated shortfalls, and assist you and your investment manager consider the best ways to save for retirement given your financial situation and risk tolerance.

  • Child's college education -- estimate the amount of money you'll need, analyzing your assets, reviewing estimated shortfalls and considering general alternatives and strategies to help address these potential shortfalls, and assist you and your investment manager consider an optimal savings plan given your financial situation and risk tolerance.

  • Protect your family in case of you become disabled by ensuring you have enough money in your emergency fund and analyzing your life, disability, health, home, and auto insurance coverage. We also review your will and various powers of attorney designed to take care of your affairs in the event you are incapacitated and can't manage them yourself.

  • Leave a legacy for your heirs by maximizing the value of your estate by saving tax dollars, professional fees, and court costs. As well as minimizing the costs of probate, creditors, lawyers, and estate taxes, which can negatively impact the value of your estate. We also help you stay in control of your affairs by providing a road map for passing your estate on to your heirs.

A financial plan's true value comes with its implementation. Let us help you attain financial freedom by requesting a Free Consultation below.

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Jerry Love CPA, LLC, 3305 North 3rd Street, Suite 304, Abilene, TX 79603
Phone: 325.437.5683 | Fax: 325.437.7197 | Email: jerry@jerrylovecpa.com
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