Get On Track.

Why Plan?

If you’ve ever wondered whether you are making a good financial decision or not, that is why you should plan.

Financial planning, above all else, is about helping you make good financial decisions. This decision-making could be in determining how much to save versus spend, how to prioritize short-term and long-term needs and goals, and a variety of other questions.

At MyFirstFinancialPlanner.com™ we are skilled financial planners, but only you are the expert in you. Only you know what you hope to achieve and what is important to you. Our service is designed to provide you the tools to make good financial decisions for you.

Through our service we will provide recommendations and guidance. And we will answer your financial questions. But we also hope to empower you to make the final determination on what is best for you and use our expertise only as a guide. At MyFirstFinancialPlanner.com™, we believe that our educational system has largely failed to deliver meaningful financial education leaving many individuals lacking basic personal finance knowledge. We aim to change that by helping you get a grip on your financial picture and learn how to pull it all together by developing a plan that assists in the short, mid and long term financial goals.

With our staff of CERTIFIED FINANCIAL PLANNER™ professionals, backed with superior technology, you’ll get a true analysis of your financial picture, unclouded by commissions or product sales. As CFP® professionals, we are fiduciaries and thus duty bound to put our clients interests first, always.

Get on track! Learn about how OUR PROCESS can bring your financial picture into focus.

To get on track and start your plan now, click here and complete the short form.

The Process

The MyFirstFinancialPlanner.com™ process begins with a short, introductory meeting between you and one of our CFP® professionals. This meeting can be held via telephone, web-conference or in person depending on your preference. This meeting is designed to get to know one another and to decide whether the MFFP service is appropriate for you.

If you decided to engage MyFirstFinancialPlanner.com™ we will ask you to sign a service agreement outlining the details and fee. The charge for the service is $250. For this fee, we will help you get on track with the following steps:

Financial Questionnaire

You will receive an invitation via email to complete our online financial questionnaire. This questionnaire is hosted on a secure partner site protecting your financial information. You are able to complete this questionnaire in one sitting or save your information and complete the information over several sessions.

Once you have completed the questionnaire, you will be given the option to submit the information to MyFirstFinancialPlanner.com™ and we will be notified of your submission.

Please note, the financial planning advice we provide you is directly impacted by the accuracy of information you enter into this questionnaire. We will contact you if a piece of data is clearly incorrect, but we will primarily rely on the accuracy of your data.

Data Entry & Verificaiton

At this point, the data you have entered in the questionnaire is securely sent to our planning software. This is verified manually by one of our professionals.

Financial Plan Preparation

Once your financial information has been entered and verified, we prepare your financial plan. The majority of our time will be spent on portions related to the goals you have indicated in your questionnaire.

Beyond your stated goals, we will review your overall financial situation to include the following:

  • Net Worth
  • Cash flow/budget
  • Debts and liabilities
  • Insurance and risk coverage
  • Retirement planning
  • Estate planning - brief overview

The plan preparation will end with one of our CFP® professionals analyzing the plan and determining a set of recommendations to help you reach your goals and improve your financial well-being.

The recommendations we make will be specific to you, but “product neutral”. These are recommendations you will be able to take with you to implement with any financial services organization you prefer. We would be happy to offer you services within our partner organizations, but you are under no obligation nor pressure to do so.

Our target is to complete your plan analysis within 14 days of your submission.

Plan Delivery & Recommendation Review

Once the plan and recommendations are completed, we will contact you to set up a meeting to deliver your plan and review your recommendations. This is typically done via web-conference or if you are local to our Appleton, WI office, in person. This meeting generally takes 30 minutes.

As a part of this delivery and review process, you will determine which recommendations you are going to work on and whether you would like any of these recommendations to be delegated to us with one of our other service offerings.

Follow Up Review

Approximately 30 days following the plan delivery, we will provide one 15 minute follow up meeting via either a telephone call or web-conference to review your progress, answer questions and confirm that you are now on track.

To get on track and start your plan now, click here and complete the short form.

About

We'll Help you get on track

Fiduciary, independent financial planning has traditionally been limited to only the wealthy.

No longer! At MyFirstFinancialPlanner.com™, we provide financial planning services for people who need it most. For years, the financial planning profession has been derided for not offering advice and services to people who could most benefit; those who earn just enough to pay the bills but don’t seem to be able to save for the future.

We formed MyFirstFinancialPlanner.com™ to deliver advice to these people. Due to both a desire to work with the rest of America and advances in technology that allow us to provide a high level of service with lowered overhead costs, we are able to bring financial planning to you.

Read about the MyFirstFinancialPlanner.com™ process to learn how we have been able to do this, or click the “Get Started” button from any page to begin completing our secure, online financial planning questionnaire.

Chad Nehring

CFP® – Shareholder
Lead MFFP Planner
Direct Assistant: Katie Merbach

A solid financial education is a key in any successful financial plan, and that starts with an understandable instructor. At Conceptual Financial Advisors, LLC, Chad Nehring, CFP®, is definitely one of those individuals. As a Financial Advisor and shareholder of the firm, he combines financial planning experience, knowledge, and training with the benefits of technology to care for CFA’s clients.

Chad specializes in:

  • Handling financial planning, investment strategies, life insurance and risk management for families and businesses
  • Assisting businesses in strategic planning for executive retirement, business continuation and succession planning
  • Counseling for debt management and basic financial principles.

Chad has been in the Financial Services industry since 1999 and joined the organization in 2002, being named shareholder in 2009. In 2001 he was named by the Appleton Post-Crescent as one of the decade’s “30 under 30″ rising business leaders in the Fox River Valley. He is a recipient of the Boy Scouts of America Bronze Big Horn Award, Leadership Award and Medal of Merit and serves the BSA as a merit badge counselor and Exploring Council Steering Committee volunteer.

He is a frequently sought-after speaker for groups, organizations, and businesses. Chad has contracts to provide financial education to members of the military nationwide, continuing education for insurance agents in Wisconsin, and classes and speaking engagements for industry, including Employee Assistance Programs. He is an FINRA Series 7 Registered Representative, Series 66 Registered Investment Advisor Representative and obtained his CERTIFIED FINANCIAL PLANNER (TM) (CFP®) designation in February of 2007. He also holds property, casualty, life and health insurance licenses in Wisconsin & Michigan (L/H). Chad is securities licensed in CA, WI. Wisconsin Insurance license #2413183. Michigan Life/Health license #0476940. National Producer #7262550. Chad is also a Notary Public.

Media Mentions

Appleton Post-Crescent – 11/22/06 “Keep Holiday Spending In Check”

Insweb.com – 11/17/09 “As Economic Struggles Continue Life Insurance is Even More Important”

Mainstreet.com – 2010 “Life Insurance: What’s Right for You?”

Currency.com – 9/30/2010 “Remember Your Retirement”

Agent Sales Journal – 1/1/2011 “Where Have All the Agents Gone?”

Fox Business – 02/18/11 “Fear Factor: Americans Have Stashed Cash for the Unexpected”

Registered Rep – 05/27/11 “Take a Vacation Without Losing Clients – or Your Head”

Bankrate.com – 08/2011 “Overall Financial Situation”

Fox Business – 11/2011 – “Global Allocation Funds Can Go Anywhere”

WLUK – TV – 1/2013 “Effects of tax reduction”

Franklin Prosperity Report – 01/2013 – “Other People’s Money”

WLUK_TV 3/5/13 “Dow Jones at All Time High”

Creditcards.com 3/6/13 “7 Things Not To Say To Someone In a Financial Crisis”

My First Financial Planner services were formed for one reason, to deliver financial planning services to a large portion of the population that has been to date mostly ignored by financial planners.

We aim to serve anybody looking for their first financial planner who may not meet the minimum net worth requirements of other financial planning practices; are nervous about taking the first step; or who are just sick and tired of a “sales pitch.”

My First Financial Planner is dedicated to maintain a fiduciary duty to clients by always putting clients’ interests first, above all others.

It is our goal to help you get on track and introduce you to the good side of financial advice.

Conceptual Investment Advisors, Inc (CIAI) was formed in 1994 to assist clients with fee-based financial planning, 401(k) consultation services, project management, and asset based money management. A secondary Registered Investment Advisor practice, Conceptual Financial Advisors, LLC (CFA) was formed in 2010.

CIAI and CFA are both Registered Investment Advisor firms in the State of Wisconsin. Both are owned by Charles Kranzusch, CFP® and Chad Nehring, CFP®, Investment Advisor Representatives.

MFFP is a division of CFA and shares affiliated Investment Advisor Representatives.

WE ARE CFP PRACTITIONERS

To learn more about what it means to be a CFP, visit: http://www.cfp.net/

There are many individuals who provide financial advice and financial planning services. Unfortunately, while most of these people are well-intentioned in the work they do, they are held to a commitment to put their employers’ interests first at the expense of clients. Their obligation to clients only requires that they offer advice that is suitable, not advice that is in the best interest of the client.

A fiduciary financial planner has a very different duty. As a fiduciary, this financial planner must put clients’ interests first; ahead of the interests of employer, and of self and family. A fiduciary financial planner remains on the side of the client at all times.

Understanding the distinction between financial planners who must act in your best interest and those who do not is a critical component when selecting a professional.

Services & Pricing

Financial Planning Service (via MFFP website/online questionnaire)

A service designed to get you on track, to answer your financial questions and to help you feel a renewed sense of financial control

Includes:

  • Confidential online data collection service
  • Development of financial recommendations developed by one of our CERTIFIED FINANCIAL PLANNER™ professionals
  • Investment portfolio review & recommendations
  • One in person( or Skype session) financial planning meeting to review your financial planning recommendations, to provide you space to ask financial questions and to help you with implementation decisions
  • 3 months of email follow up/monitoring
  • 30 minutes of CFP® staff billable time to answer additional questions

Annual Financial Planning Update & Review

Fee: $250 Annually

Whats included:

  • Financial planning recommendations review and update
  • Review of any major changes or updates in your financial situation
  • Investment portfolio review & recommendations
  • One in person financial planning meeting to review your financial planning recommendations, to provide you space to ask financial questions and to help you with implementation decisions
  • 30 minutes of CFP® staff billable time to answer additional questions

Annual Financial Planning & Asset Management

Level I (Investment assets under $50,000)*

Fee: $500 Annually

Whats included:

  • Annual Financial Planning Update & Review (as detailed above)
  • Portfolio management services for accounts available on a discretionary basis
  • Review of risk tolerance
  • Portfolio allocated into one of four model portfolios based on risk tolerance, cash needs, investing time frame & and financial planning objectives
  • Portfolios designed to be low expense and tax-efficient
  • Annually rebalanced

Level II (Investment assets between $50,000 and $99,999)*

Fee: Charged at 1% based on assets managed billed annually

Whats included:

  • Annual Financial Planning Update & Review (as detailed above) including 2 hours of CFP® staff billable time to answer additional questions
  • Portfolio management services for accounts available on a discretionary basis
  • Review of risk tolerance
  • Portfolio allocated into one of four model portfolios based on risk tolerance, cash needs, investing time frame & and financial planning objectives
  • Portfolios designed to be low expense and tax-efficient
  • Annually rebalanced

Level III - Conceptual Financial Advisors, LLC Managed Account Program (Investment assets in excess of $99,999)*

Fee: Generally 1% of Assets Under Management, billed monthly; fees reduce at higher account levels

Whats included:

  • Portfolio management services for accounts available on a discretionary basis
  • Review of risk tolerance
  • Portfolio allocated into one of twenty model portfolios based on risk tolerance, cash needs, investable funds available, investing time frame & financial planning objectives
  • Quarterly rebalanced
  • Contact us for more details regarding this service, including our Wrap Fee Brochure

*Portfolio management services offered by Conceptual Investment Advisors, Inc and/or Conceptual Financial Advisors, LLC

 

Get Started

Contact

We look forward to your comments and questions!

Address

3962 North Richmond Street
Appleton, WI 54913

Phone

920-731-9500

Fax

920-731-9504