MacMillan Financial
Registered Investment Advisor
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John MacMillan
John MacMillan
Casper Meijer
Casper Meijer
  About Casper Meijer…

After a successful twenty-year career as an executive in the corporate travel industry, Casper entered the financial services business in 1995. His tenures at American Express Financial Advisors, Prudential Financial and Waddell & Reed have given him the training and experience to provide his clients with the highest quality of advice.

As a Financial Planner, he is committed to providing quality service through comprehensive financial strategies. Casper understands the importance and value of long term, personal relationships.

Being an independent advisor allows him the freedom to seek out the very best specialists, quality products and services available in the financial services industry.

Casper has a five star rating with the Paladin Registry, a national organization that evaluates and rates Financial Advisors.

Casper is a seasoned seminar presenter and public speaker. He has also published articles concerning various financial issues in local newspapers.

Casper Meijer is a Registered Investment Advisor registered with the New Jersey Bureau of Securities. He is neither an employee nor a registered representative of Macmillan Agencies. He also holds licenses for Life and Health insurance with the New Jersey Department of Banking and Insurance.

- finding the best funds
- validating the funds through a dozen internet services
- investments daily using internet portals & news services
Personal Contact
- keeping clients informed
  Chief Investment Officer
John MacMillan is the Chief Investment Officer (CIO) for the firm. He devours financial information by reading in excess of 60 financial magazines, newsletters, and weekly financial papers every month. This accounts for about 15 hours of his 60-70 hour work week.

John also receives in excess of 1000 e-mails every week as he constantly monitors every investment in each client’s portfolio. He has ‘trip-wires’ throughout all internet portals so that he gets immediate updates on price movements, news stories, earnings reports, etc for every security he manages. When John recommends a stock, bond or mutual fund it is based on exhaustive research from the hundreds of analysts that he has access to through the 10 research companies he works with.

  Invest for the long term
How do you achieve this? We do this by adhering to a number of goals and guidelines that we determine together.
  Risk Tolerance
There is a direct correlation between risk and reward. In other words, the higher risk in your investments will generally produce a potentially higher reward.
The most simple definition of risk tolerance is: An investor's ability or willingness to accept declines in the prices of investments while waiting for them to increase in value.
Our goal is to have you maximize your portfolio return by taking on as much risk as you can comfortably accept. Risk that will not keep you awake at night.

Click on the link below to assess your personal risk tolerance:

Know Your Rights as an Investor

  Asset Allocation
Asset Allocation is the process of combining asset classes such as stock, bonds and cash in a portfolio in order to meet your goals. This one investing criteria alone is responsible for over 80% of the total return in your portfolio. Your return depends on what asset classes you are invested in (ie. what percent stocks, bonds, real estate) as opposed to which stocks, bonds etc.

Less than 25% of actively managed funds beat their respective indices after expenses and taxes and there is no way to tell if the fund you own is in that 25% before the fact.

Future investing lies in low-cost no-load index funds and broad-based exchange traded funds. These are the smart choice for asset allocation. Keeping most of your money working from the beginning allows time and compounding to work in your favor. Determining the correct allocation for your situation, goals, and capacity for risk is our main job.

Asset classes grow at different rates of return. It is therefore necessary to periodically rebalance a portfolio in order to maintain the target asset mix based on risk tolerance and time horizons. Asset classes that are associated with high degrees of risk tend to have higher rates of return than less volatile asset classes. For this reason a portfolio that is not periodically rebalanced will become more volatile (risky) over time.
  Emergency Funds
Liquidity is paramount in executing your financial plan. The essence of financial planning is matching available cash with expenses as they present themselves. No one wants to be forced to sell an asset to meet an unexpected expense. We address this issue in your financial plan in a number of ways.

Every client we work with is positioned to have a solid cash cushion for emergency expenses. This avoids the need to dismantle their long-term investment plan should the unforeseen arise.

Proper insurance coverage must be in place to protect the client on several levels:

Earning power via Life and Disability insurance.
Asset protection via Long Term Care insurance.
Litigation protection via Liability insurance.
Homeowners and Auto insurance to guard against large and unexpected claims.
Medical expenses protected by Health insurance.

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