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Financial Planning
PROFESSIONALS
 

 
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.
 

  WHY WORK WITH ME?
 
  • As an independent advisor, I do not work for any
    specific insurance company, bank or investment firm
  • As a Registered Investment Advisor, I am a fiduciary
    and so I am legally bound to work in my client’s best interests
  • As a Financial Planner, I am committed to the planning
    process and a comprehensive approach to your finances
  • I bring years of experience providing the highest quality
    advice to my clients
  • I will work with your existing legal and tax advisors or I have existing strategic alliances that can assist in facilitating your planning needs
  • I only place your business with firms that have excellent ratings and
    have proven track records of ethical business practices and standards
 
  Our Philosophy
  Focus On Client Education
We believe the best client is an informed client. We focus on educating clients about the fundamentals of sound investing and personal finance so that they are well-informed and confident in their ability to make smart financial choices.

More Than Money
We understand that money is only one piece of the personal-finance puzzle. Your personal, professional and long range goals, along with how you wish to spend your time are equally important. We help you identify what you wish to accomplish with both your investment portfolios and your other priorities, then we develop strategies to help you get there.

Objective Advice
Because we have no direct affiliations with banks, brokerage firms, mutual fund companies or insurance companies MacMillan Financial has no financial stake in any of our recommendations. Rather, our only compensation comes from you, our client, in the form of project fees that we estimate in advance of any work. As a result, MacMillan Financial is able to provide the most objective advice possible, designed to advance only your interests, not ours.

Professional Relationship Based on Trust
MacMillan Financial promises its clients an allegiance of confidentiality, loyalty and disclosure. This type of commitment – known as a “fiduciary relationship” – is one of trust established by law that is similar to the relationship one has with an attorney or doctor. It contrasts with the much more limited accountability imposed on a salesperson conducting an arms-length transaction. It is also the least that clients should expect from their financial professionals.

 
  1. Anyone can call himself a planner.
To avoid amateurs, hire a planner who's earned special credentials (such as a Certified Financial Planner, Personal Financial Specialist, or Certified Retirement Financial Advisor designation), by meeting training standards or having a certain level of experience.

2. Planning is more than investing.
Not all planners offer comprehensive services. Some just give investment advice or focus on one aspect of planning, such as insurance or taxes.

3. Expand your choices.
When hiring a planner, interview at least three pros to find the one that can deliver the services you need and who's compatible with your style.

4. Personal references are a good place to start -- but not the last stop.
A reference from a friend or family member is a great way to search for a financial planner. But make sure you've got similar needs as the person who's giving the referral. Go to groups like the Certified Financial Planner Board of Standards and the Financial Planning Association for additional references.

5. Understand how your planner is getting paid.

The three most common set-ups are: Fee-only, fee-based, and commission-based. Fee-only planners don't get commissions for the products they sell -- fees are for the advice they give. Fee-based planners may receive commission on some products they sell, but most of their money comes from a fee you pay them. Commission-based planners are paid by the companies whose products they sell.

6. Check credentials.
Check to see if a planner's record is tarnished by disciplinary problems or complaints. Groups that award credentials or state agencies keep tabs on planners and can provide help.

7. Get references.
Ask a planner for two or more of his clients -- then follow up and call to find out how a planner performs in specific circumstances, such as during a financial crisis.

8. Express yourself.
The quality of a planner's advice is correlated to how well he or she knows you. Make sure a planner asks questions about your finances, goals, risk tolerance and philosophy. If they don't ask, they probably aren't paying adequate attention.

9. Know what they're selling.
Find out what financial products a planner sells and how much he or his firm earns for making a sale. Be wary of planners who push one product -- say, one family of mutual funds or one kind of insurance -- as they may not give you the unbiased or comprehensive advice you need.

10. Know yourself.
The best planner will take his cues from you. Before you hire someone, identify the financial goals you want to meet, your assets and liabilities, your risk tolerance, and investment style. Are you self-directed or do you want specialized help?

How to pick a financial professional - U.S. Securities and Exchange Commission

 
 
For your convenience, you may pay the fees
for your Financial Plan and/or retainer, on-line
by clicking the button below and using the
E-mail address:

macmillanjohn@msn.com
with your Pay Pal account.


 
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