A. Started in 1991, Financially Speaking, Inc. employs a diversely talented team striving to ensure that you receive the personal service and professional recommendations needed to achieve your unique financial objectives. Philip H. Luccock leads the organization as the principal owner, basing the direction of the company on the knowledge that money is personal; we work hard to build a trusting relationship with you and to understand your inherent goals, needs and risk tolerance.
B. Financially Speaking, Inc. goes the extra mile to provide superior service to all of our clients and this commitment to excellence has allowed us to grow our business largely from referrals.
The main advisory services we offer to our clients include:
•Retirement Planning: We help individuals and businesses select and establish the retirement plan that best fits their goals and needs. The options we typically explore include SEP, Simple, Traditional and Roth IRAs, i401K, and Profit Sharing. We employ a variety of analytical tools and techniques to help you monitor your progress toward achieving your retirement goals.

•Investment Management: Our unique approach to investment management involves daily monitoring of your portfolios and incorporates no-load/no-transaction-fee mutual funds offered by Charles Schwab. We take a dynamic asset allocation approach to investing, which enables our investment strategy to change with market conditions.

•Education Planning: We explore a variety of options to help you fund your children’s education. This may include 529 Plans, custodial accounts, and other parental investing plans.

•Estate Planning: We assist you in identifying potential estate planning issues and establishing a plan for the most efficient management of your estate. Wills and trusts serve as valuable tools to reduce taxes and preserve wealth for family

members. We work with your estate planning attorney to ensure that trusts, powers of attorney, wills, and other legal documents are congruent with your financial and life goals.

•Tax Planning: We work with you and your tax preparer to minimize tax burden.
Planning early in the year can often reduce taxes. We also simplify and reduce the administrative cost and difficulty of tax preparation by providing detailed realized gain and loss information.

•Insurance Evaluation: We do not sell insurance, but we can review your coverage to determine if there are any insurance gaps or unnecessary coverage. We also evaluate life, health, disability, long-term care, as well as property and casualty insurance.

•Succession/Transition Planning: Succession planning is an essential task for business owners. Working with attorneys and investment bankers, we facilitate business transitions and help establish succession plans for future transfer of ownership.

•Compensation Strategies: Business owners are often challenged by the task of acquiring and retaining valuable employees. We assess the needs and resources of businesses and recommend the best mix of compensation alternatives to acquire and retain key employees.
C. We work hard to build a trusting relationship with each client and to understand their inherent goals, needs and risk tolerance. Once a client’s financial profile is established, we tailor a financial plan for each client’s distinctive set of circumstances and then actively manage their portfolio over time to help ensure that their goals are met. Clients may impose restrictions on investing in certain types of securities if they so choose.
D. We do not participate in wrap fee programs.
E. We manage $158,077,119.00 on a discretionary basis and $3,940,169.00 on a non- discretionary basis as of March 7, 2024.