Each day we face difficulties in managing our finances. Inflation, taxes, debt, changing interest rates, and stock market swings - their effect can be unsettling. One thing we can be certain of is that the future will come, whether we are financially ready or not.
Do you have someone trustworthy that guides you on these matters?
"I'm a personal CFO at Rainstone Financial, we are a financial services firm that focuses exclusively on giving our clients objective, unbiased advice on a variety of financial matters. Our true value to our clients comes from knowing what really matters to them and being deeply involved with them. We go beyond just the numbers and to clarify what’s important, simplify their lives and reduce any anxiety about financial success." - Joseph Regenstein IV, CFP®, CMFC
What to Expect
As a client, you and your Rainstone Financial Planner will follow a 6 Step Plan to identify goals and objectives. Next we create a plan for you using our time tested first principles.
6 Steps to Financial Planning
Step 1: No Obligation Interview.
Step 2: Gather Information.
Step 3: Analysis & Development.
Step 4: Plan Presentation & Delivery.
Step 5: Implementation.
Step 6: Monitor & Update as Needed.
Financial Planning First Principles
Principal 1: Think Long-term regarding goals & investing.
Principal 2: Spend less than is earned.
Principal 3: Maintain liquidity aka Emergency Savings.
Principal 4: Minimize use of debt.
Securities offered through J.W. Cole Financial, Inc. (JWC) Member FINRA/SIPC. Advisory services offered through Jonathan Roberts Advisory Group, Inc. (JRAG). Non-Securities products and services are not offered through JWC/JRAG. Neither JWC/JRAG nor its Representatives provide or offer tax/legal advices. Rainstone Financial and JWC/JRAG are unaffiliated entities. Registered Representatives of J.W. Cole Financial, Inc. whose identities and associations with Rainstone Financial are disclosed on this site may only conduct business with persons who are residents of the following states: FL, NC, MD and NV. Therefore, a response to a request for information may be delayed. No information provided on this site is intended to constitute an offer to sell or a solicitation of an offer to buy shares of any security, nor shall any security be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under securities laws of such jurisdictions. Please note that not all of the investments and services mentioned may be available in every state. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.