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Financial Planning Services, Ltd. (FPS) is a Fee-Only financial planning and Registered Investment Advisory firm headquartered in Mechanicsville, Virginia. We specialize in providing hourly, as-needed financial planning and advice to goal oriented individuals and families, regardless of their net worth, income or investable assets. As Fee-Only advisors, we work solely for our clients. FPS charges hourly fees or flat fees per project. We accept no commission or sales incentive of any kind, nor do we sell any products. FPS works only for our clients, in their best interests.

We work with people from all walks of life, providing Fee-Only financial planning and advice for everyday life. Clients have the flexibility to engage us on either a one-time, as-needed or ongoing basis. FPS takes a broad view of Personal Finance, which includes retirement planning, estate planning, taxes, college planning, risk management, taxes, housing and investments.

FPS personalizes services to the client’s needs. We provide complete financial plans, on-going services or one-time consultations. The process is always client-centered and client driven.
Whether you are building assets for the future — or seeking to protect, enjoy and pass on those you already have — Financial Planning Services can help you along the way.

Your financial objectives may include:

• Foster peace of mind through proper planning today
• Ensure retirement income
• Reduce the burden of taxes
• Minimize the effects of inflation
• Create and preserve personal wealth
• Maximize wealth transfer
• Establish charitable legacies
• Reduce the risk of financially devastating events

To help you reach these important goals, our services include:

• Personal Financial Planning
• Retirement Planning Strategies
• Cash Flow Spending Plan
• College Funding Advice
• Stock Option Advice
• Lump Sum Distribution Advice
• Life and Disability Insurance Needs Analysis
• Long Term Care Insurance Analysis
• Second Opinion on Investments or Current Financial Plan
• Financial Seminars for Military, Church and Civic Groups
• Corporate Employee Financial Education — Seminars on 401(k)s, Employee Benefits, etc.

OUR MISSION

Our mission is simple: We are committed to providing independent, objective advice to people from all walks of life. Through the advantages of competent, professional planning, we seek to empower our clients to make the best financial decisions possible. As staunch consumer advocates and Fee-Only client fiduciaries, we continue to demonstrate our commitment to serving the public's best interests (please see our definitions of these words, below).

Remember, you don't have to have a fortune to start building one. Today is always the best day to get started! Why not get started today?

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DEFINITIONS (FROM ROGET'S INTERNATIONAL THESAURUS)

• Staunch -- Faithful, firm, friendly, reliable, solid, strong, resolute;
• Advocate -- Defender, deputy, friend, justifier, supporter, advisor;
• Fiduciary -- Trustee, financial officer;
• Interests -- Cause, benefit, gain.

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