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A Holistic Approach to Planning

We look at the bigger picture – with you
The professionals at Eastern Planning, Inc. understand that the best financial plan extends way beyond spreadsheets and graphs. The plan we create for our clients reflects every aspect of their lives, their needs, their family structure and their values – delving into areas that statistics simply can’t measure.

The questions we ask
What’s important to you? How do you want to live? What makes your situation unique? Where are your strongest connections? Many financial firms portray retirement as a sunny, vacation snapshot. We see it as a colorful collage and don’t believe in generic, one-size-fits-all plans.

The brightest future
We do not merely help provide for your immediate needs, or for the rosiest picture. Rather, we work with you to create a plan that strives to take care of you. Together, we’ll look at your future and the life events that everyone faces with optimistic realism. The decisions may not always be easy to make, but Eastern Planning, Inc. strives to ensure clients leave our office confident that they are prepared for some of the biggest things life has to offer.

Investors should be aware that investing based upon strategies or models does not assure a profit or guarantee against loss. With any investment vehicle, past performance is not a guarantee of future results.

Working With Clients

Developing Your Financial Plan

Our primary objective is to help our clients meet their long-term financial goals. First, a question and answer session with an Eastern Planning, Inc. professional helps clarify your current financial position and identify long-term goals. Then, we work with you to develop a customized, holistic strategy that takes all aspects of your financial life into consideration, including investment allocation, retirement planning, tax planning, estate planning and insurance and risk management. Then, after a client’s plan has been implemented, we meet as often as necessary to stay apprised of your financial life and update your plan accordingly.

Investment Allocation
With your input, Eastern Planning, Inc. will develop an Investment Policy Statement. It’s both a blueprint and a report card that summarizes your risk tolerance, time horizon, asset allocation*, investment selection, and rebalancing** criteria. We will design a portfolio with clear investment objectives and develop possible allocation strategies based on your optimal asset allocation*. After establishing a personalized, flexible investment platform, we then customize your portfolio by helping you select suitable investments. Together, we periodically review your portfolio’s objectives and performance to ensure progress.

Retirement Planning
To help you prepare for the future, we determine an appropriate portfolio distribution rate, together decide if and when an income stream is needed from your portfolio and propose an efficient distribution strategy.

Tax Planning
Tax minimization strategies help preserve your future. Eastern Planning, Inc. will guide you in allocating your investments in the most tax efficient manner and help gather information to assist your CPA for annual tax preparation.

Estate Planning
Proper legacy planning helps preserve the future of your finances and the decisions you’ve made for your money. We’ll review legal documents such as a Last Will and Testament, Living Will, and Power of Attorney, and work with an estate attorney to ensure the documents are set up properly. In addition, we will review beneficiary designation forms for assets that do not pass through your Will, such as retirement accounts and life insurance. Stretch IRA planning helps minimize income taxes substantially, while striving to leave a legacy to the next generation.

Insurance and Risk Management
This aspect of our service will determine if you are adequately protected for life’s unexpected events. We’ll review your life, health, disability, long-term care, and property and casualty insurance needs, analyzing current policies and recommending changes or additional coverage if necessary.

Listening, Teaching, Guiding
Your situation is unique. And the financial plan that Eastern Planning, Inc. creates for you -- with you -- will also be the unique result of helping you understand the realities and help face the future with confidence!

* Asset allocation which is driven by complex mathematical models should not be confused with the much simpler concept of diversification. Asset allocation and/or diversification does not assure a profit and does not protect against loss.

** There may be tax consequences with rebalancing a portfolio for accounts that are not tax-deferred.

Our Relationships

Eastern Planning, Inc. believes clients feel at home with us and we’re proud of the strong bonds we forge. Each member of our staff possesses a passion and sense of caring along with their financial skills. We stay in touch with our clients and develop personal relationships with each and every one.

How does this personal relationship benefit individual clients? Eastern Planning Inc. strives to help clients feel comfortable sharing the details of their lives with us and confident in the financial decisions we make together. An in-depth knowledge of each client’s situation allows us to recommend adjustments to the financial plan when changes arise in the economic landscape or the industry as a whole. And knowing our clients, we can recommend other professional services when they need them.

Joseph L. Balducci*

Vice President, CFP^®

Joseph L. Balducci*, Vice President, CFP^® of Eastern Planning, Inc., began working with Eastern Planning, Inc. in 1998. He Graduated from St. Thomas Aquinas College in Sparkill, NY with a B.S. in Finance. Soon after, Joseph obtained his Series 7 and 63 registrations, and separately, life, accident & health insurance licenses. In 2006, Joe obtained his Series 24 registration as General Securities Principal. Joseph attained his CFP^® (Certified Financial Planner) designation in May of 2009.

He currently works as a service manager on the operations side of Eastern Planning. It is his duty to help clients with the daily activities of their accounts. Joseph believes that proper service is a key ingredient in the implementation of an investment plan.

Confident

We’re proud of the strong bonds we forge with our clients. Find out how we can help you maintain a healthy financial outlook.

Attend a Workshop

Take control of your financial future. Attend a free Eastern Planning, Inc. workshop.

Contact Info

Eastern Planning, Inc. One Blue Hill Plaza, 5th F

800 Westchester Ave, Suite 641N
Pearl River

Rye Brook, NY 10965
Map and Directions

Phone: 845-627-8300
Fax: 845-627-8237

Bblecker@easternplanning.com

Additional Pages

Beth L. Blecker and Matthew A. Blecker are Registered Representatives of and offer securities products & services through Royal Alliance Associates, Inc. Member FINRA/SIPC, a registered broker-dealer. In this regard, this communication is strictly intended for individuals residing in the states of Alabama (AL), Arizona (AZ), California (CA), Connecticut (CT), Georgia (GA), Florida (FL), Massachusetts (MA), Maryland (MD), New Jersey (NJ), New York (NY), Ohio (OH), Pennsylvania (PA), South Carolina (SC) and Virginia (VA). No offers may be made or accepted from any resident outside the specific states referenced.

IMPORTANT CONSUMER INFORMATION: A broker-dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent or IA rep registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirement, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of broker-dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator. Securities offered through Royal Alliance Associates, Inc., Member FINRA/SIPC.

Beth Blecker and Matthew Blecker are separately registered as investment advisor representatives under Affiliated Advisors, Inc., a registered investment advisor, not affiliated with Royal Alliance Associates, offering advisory services in the state of New York. As such, these services are strictly intended for individuals residing in New York. Additional investment advisory services offered through Royal Alliance Associates, Inc. Eastern Planning Inc. is not affiliated with Royal Alliance Associates or registered as a broker dealer or investment advisor.

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.

Twitter Webpage Disclosures

Securities offered through Royal Alliance Associates, Inc. Member FINRA/SIPC.

Eastern Planning offers advisory services through Royal Alliance Associates, Inc., a Registered Investment Advisor

This communication is intended for individuals residing in the states of CA, CT, FL, MA, MD, NJ, NY, PA, SC, TN, UT. No offers may be made or accepted from any resident outside the specific state(s) referenced.

Investments in securities involve risk, including the potential loss of principal invested.
No offers may be made or accepted from any resident outside the specific state(s) referenced.

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