Marcel V. Kuper
                   CPA - PFS - CFE

500 W Palatine Road - Wheeling,  Illinois 60090 - (847) 215-8630 - Fax: (847) 215-8632

Certified Public Accountant  Personal Financial Specialist Certified Fraud Examiner

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Financial Planning, Personal Financial Planning. Financial Planning Services, Personal Financial Planning Strategies. Life Time Planning, Inc, CPA - PFS Financial Planning Service.

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Financial Planning , CPA-PFS Personal Financial Planning. Financial Planning Services, Personal Financial Planning Strategies. Liftetime Planning, Inc, CPA - PFS Financial Planning Service.

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Personal Financial Planning, Liftetime Planning, Inc., CPA - PFS Financial Planning Service.

Personal Financial Planning

Personal Financial Planning Services

What is Personal Financial Planning?

Personal Financial Planning is a process of maximizing the utility of financial resources while recognizing and giving proper credence to an individual's uniqueness.  Personal Financial Planning also involves awareness of the various stages of life.

Why Personal Financial Planning? 

Because we lead very busy lives, we need a guide that will enable us to have our goals defined and know exactly what is necessary to get from here to there.  A financial plan helps you take the steps necessary to turn your dreams and desires into a reality.  Some goals may be:

Financial Planning , CPA-PFS Personal Financial Planning. Financial Planning Services, Personal Financial Planning Strategies. Liftetime Planning, Inc, CPA - PFS Financial Planning Service.> <font face= College Education
Financial Planning , CPA-PFS Personal Financial Planning. Financial Planning Services, Personal Financial Planning Strategies. Liftetime Planning, Inc, CPA - PFS Financial Planning Service. Purchasing a first home or a vacation home.
Financial Planning , CPA-PFS Personal Financial Planning. Financial Planning Services, Personal Financial Planning Strategies. Liftetime Planning, Inc, CPA - PFS Financial Planning Service. Starting your own business.
Financial Planning , CPA-PFS Personal Financial Planning. Financial Planning Services, Personal Financial Planning Strategies. Liftetime Planning, Inc, CPA - PFS Financial Planning Service. Elderly parent care.
Financial Planning , CPA-PFS Personal Financial Planning. Financial Planning Services, Personal Financial Planning Strategies. Liftetime Planning, Inc, CPA - PFS Financial Planning Service. Life expectancy is longer - additional years after retirement can
become more costly than originally anticipated.
Financial Planning , CPA-PFS Personal Financial Planning. Financial Planning Services, Personal Financial Planning Strategies. Liftetime Planning, Inc, CPA - PFS Financial Planning Service. Company pension plan and social security may not be enough to 
maintain your standard of living after  retirement.

What is Personal Financial Planning?

Personal Financial Planning is an organized, well planned system of using money and financial resources to achieve both short and long-term goals.

Do I need Personal Financial Planning?

Yes, everyone needs a Financial Plan to plan for tomorrow.  Today's complex financial marketplace and changing tax laws make it almost impossible for you keep up with all the changes and to understand how these changes may affect you.  At every income level, there are steps you can take to make more efficient use of your assets and to make sure that your financial future is secure.

I don't have a lot of money,  do I need a full-scale Personal Financial Plan?

You may not need a full scale financial plan CPA Financial Planners provide different levels of financial planning from counseling to comprehensive planning.  Talk with one or more CPA Financial Planners who practice financial planning and you should be able to find one that will meet your needs.

How can I plan for tomorrow when I can hardly make it today?

Set goals and create a budget.  Determine what you actually spend a month on everything.  Keep a log of all expenses for at least two months and then review the list, make changes as necessary.    It is easy to track the major expenses such as rent, mortgage, car payment, but the variables, the expense for food, clothing, entertainment, car and home maintenance and repairs, are the ones that get away.  When trying to forecast your expenses keep in mind inflation factors. Where can you cut back in order to save a few dollars - even if only for emergency purposes.  Budgeting for the future is Key. Seek out a CPA-PFS, discuss your budget with your CPA-PFS Financial Planner who will be able to answer any questions you may have.

What Should My Personal Financial Plan Include?

A financial plan should include a review of your net worth, goals, objectives, property and other assets, liabilities, cash flow, investments, retirement planning, estate planning, tax planning and insurance needs as well as a plan for implementing your goals.

How Do I Know How Much I Am Worth?

To determine net worth, first, estimate the value of your assets.  If you have owned your home for a number of years you may be sitting on a nice nest egg.  Several different real estate appraisals will help you determine its worth.  Then, organize your bank and brokerage statements and record their value.  Do not forget to include assets in IRA's, company savings, savings bonds, or 401(k) plans. List your liabilities, such as mortgage, rent, car loans, credit card debt and subtract your liabilities from your assets.  The result will give you a good estimate of your net worth

How Does Goal-Setting Fit Into Personal Financial Planning?

List your long-term and short-term goals on paper then rank the importance of each.  Goals could include children's education, cash for emergencies, a  vacation, purchase of a house or car, family member care,  a career change, starting your own business, or  financial independence.  Financial planning can help you reach these goals.

How Often Should I Update My Personal Financial Plan?

A good rule of thumb is to review your plan whenever there is a lifestyle change such as a death in the family, birth, marriage, or divorce or any change in financial position.  Changing lifestyle circumstances or goals should also be included in the plan review

What About My Insurance?

Evaluating insurance needs is part of personal financial planning.  The insurance industry and changed a great deal over the years, and there is a wide array of new products, some of them in fact, may be better than your current coverage.  Your CPA-PFS can work with your insurance agent to ensure your adequate coverage.

Who Should Prepare My Personal Financial Plan?

The AICPA (American Institute of Certified Public Accountants) has created a Personal Financial Specialist program, which means, a CPA who earns the PFS designation represents a great deal of experience, knowledge and technical skills.  A well qualified CPA-PFS financial advisor should work with you.  Remember, an objective, fee-based financial planners' loyalty is to their clients and not to products they sell. 

What type of advice should I expect from a CPA?

Expect objective financial advice that is tailored to meet your financial goals and objectives.  The CPA-PFS may want to confer with your attorney, insurance agent, stockbroker and any other investment advisors to achieve the best possible plan for you.

We welcome the opportunity to help you reach your goals.


For more information please feel free to browse around our web site.  We are always happy to answer any questions, or to schedule a consultation contact:
Email Us or call us at 847-215-8630.

 

 

 

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Financial Planning, Personal Financial Planning. Financial Planning Services, Personal Financial Planning Strategies. Life Time Planning, Inc, CPA - PFS Financial Planning Service.

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Nothing on this web site should be construed as providing specific financial, investment, insurance, business, tax or legal advice.  You should consult with a CPA, accountant, tax advisor, insurance representative, or legal counsel prior to making such decisions.  We do not collect, sell, trade or distribute any personal information, of visitors to this web site.  If you choose to email Marcel Kuper at Life Time Planning, Inc. for further information, any information you disclose will be treated as confidential.

M.V. Kuper P.C.

500 W Palatine Road Wheeling,  Illinois 60090

(847) 215-8630  Fax: (847) 215-8632

Copyright 2002-2003, M.V. Kuper P.C All Rights Reserved