FEE-ONLY FINANCIAL PLANNING

For Individuals, Families and Business Owners

Changing the way you receive personal financial advice.

“As a financial planner, I offer advice, education and choices”

Design Your Wealth, Define Your Future

“With over 20 years of experience, Arthur is committed to providing objective, unbiased advice to help clients save, grow, and protect their assets.”

Schedule a Free Consultation Today

Let’s discuss how I can help you achieve your financial goals.

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Have a Quick Question?

Explore Your Financial Future with Flexibility: Not quite ready to dive into a comprehensive financial planning journey? No problem. We understand everyone’s financial path is unique, which is why we offer an hourly fee structure to address your immediate queries. Get the guidance you need, when you need it, without the commitment of a full financial planning relationship. Your questions, our expert answers. Let’s start the conversation today.

 

WE HELP YOU LOOK FORWARD SO YOU CAN MAKE FINANCIAL DECISIONS TODAY.

WHAT WE OFFER

Financial Planning Services - Flores Wealth Planning

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Personal Approach

By partnering with a Certified Financial Planner professional boasting two decades of expertise, clients can rest assured that their financial plan will be crafted with skill and precision. Read More

Financial Planning

Flores provides personalized comprehensive financial planning services that cover several areas of your financial life such as retirement, investment, education, insurance, debt management, and estate planning. Read More

Investment Management

We will help you build a strategic and diversified investment portfolio.  Our asset allocation models consist of several asset classes and keep expense ratios low by using index mutual funds and ETFs. Read More

IN THE PRESS

US News Retirement Last Minute Fix
Fee Only Financial Advisor
Bethpage Best of the City - Financial Planner
Best Financial Advisor NYC - Flores Wealth Planning

WHAT MAKES US DIFFERENT

Fee-Only

We do not sell financial products and do not accept commissions of any kind. We feel this minimizes conflicts of interest.  We get paid by you directly to provide you objective advice with your best interests at heart.

Plan

Flores begins with a financial plan.  We make no recommendations without first understanding you (client) then developing a plan that is geared to achieving your goal(s).

Fiduciary

As a fiduciary, we are obligated to put you – our client – first. We feel this sets us apart from other types of firms in the securities industry such as broker/dealers that may be held to a perhaps lesser, “suitability” standard.

Modern

Arthur works with his clients either virtually (Zoom Meeting) or face-to-face.  We use state-of-the-art financial planning and communication tools to help bring information to you efficiently and securely.  Flores believes in trying to be as paperless as possible.

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Accessible

Our clients are busy, and we respect their time.  We work around our client’s schedule which means meeting after work or on weekends. Flores is available to meet in-person or virtually.

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Holistic Approach

We don’t start talking about money.  We get to know who you are first by understanding the four key areas of your life – family, community/work, goals/fears and financial resources.  We make sure that these four areas are in-line with your financial plan.

CFP Financial Advisor and Planner
Fee Only Financial Advisor

ARTHUR FLORES, CFP® 

PLAN. GROW. ACHIEVE.

With over 20 years of experience working with large wealth management firms in New York, I decided to establish Flores Wealth Planning, a company dedicated to providing comprehensive financial planning services that offer guidance without any pushy sales tactics. I believe that financial planning and personal finance should be straightforward, and I strive to simplify this process for my clients. My goal is to assist you in organizing your financial life and creating a plan that can help you achieve your objectives and attain financial independence.

Traditionally, financial plans consisted of hundred-page reports filled with recommendations. However, at FWP, I prefer a more interactive approach that includes action plans and accountability. You will have online access to most, if not all, of your finances, allowing you to remain updated on an ongoing basis.  I believe that financial planning should be affordable and tailored to meet your specific financial situation. That is why we offer a monthly fee structure that is designed to minimize your expenses.

As your personal financial planner, I am committed to helping you reach your financial goals and dreams. Whether you want to grow your savings or plan for retirement, I am here to support you throughout the process. I am excited to work with you and create a plan that fits your unique needs.

Frequently Asked Questions

 

What kind of clients do you work with?
My clients are individual, families and business owners at all stages of their lives.  We have no account minimums.  We welcome anyone looking for financial help.
How we work with you?
  • Getting Acquainted Meeting: We offer a complimentary consultation, so we get to know each other, ask questions, and define how the financial planning process works at Flores Wealth Planning.
  • Gathering data and Setting Financial Goals: We will incorporate your financial goals into the plan, and we’ll also ask you for financial information to analyze your current situation.
  • Analyzing and evaluating your financial status: We will review your financial information to assess your situation before we consider what you can do to meet your goals.
  • Presenting your financial plan: We’ll present recommendations designed to address your unique goals and priorities, based on the information you provided. We will also explain the reasons behind our recommendations, listen to any of your concerns and revise the recommendations as appropriate.
  • Implementing the financial planning recommendations: We will create an action plan to implement the recommendations and discuss any other professionals, such as an attorney or accountant that may be needed. We’re here to work with your other advisers, not replace them.
  • Monitoring your financial planning recommendations: We can also help to monitor your progress toward your goals. It is recommended that you have annual reviews of your plan and adjust the recommendations, if needed, as your life changes.
What is your turn around time?
Once we start the financial planning process, and the Client Service Agreement is signed, a financial plan typically takes 4 weeks on average to complete after we receive all required information from you. The timeframe depends on many factors such as delivery of documents and statements, meeting availability and much more.
What does fee-only mean?

As a fee-only advisor, we do not charge commission or receive 3rd party incentives for selling products.  At Flores Wealth Planning, we do not sell products.  We provide advice and a plan.  We can structure our fees in various ways:  hourly, fixed-fee, monthly retainer, or a percentage of assets under management.  We will work together to discuss the type of financial planning service you need as well as how you will pay for the advice.   All fees are negotiable.

Flores Wealth Planning, LLC is a New York State Registered Investment Advisor.
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2024 Financial Planning Annual Limits

Download our two-page “Important Numbers” guide.  This quick reference guide covers the most important annual limits as well as figures that are commonly referred to during the year.  It includes: 

  • Tax rates for MFJ, Single and Estates
  • AMT annual limits
  • Standard deductions for MFJ and Single
  • Social Security annual limits (including earning limits)
  • Full Retirement Age chart
  • Social Security taxation summary for MFJ and Single
  • IRMAA Surcharges
  • Retirement Plan Annual Limits
  • Traditional and Roth IRA Annual Limits
  • Estate and gift tax annual limits
  • HSA annual limits 
  • And More

 

Thank you for your interest in Flores Wealth Planning

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