Fred Costantino (AIF®, CFP®)

Planning Specialties

S.E.E.D. provides a variety of financial planning services to individuals, families, and businesses pursuant to a written financial planning or consulting agreement. Services are offered regarding several areas of a client’s financial situation, depending on their goals, objectives, and financial situation.

Generally, such financial planning services will involve preparing a financial plan or rendering a financial consultation based on a client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including, but not limited to financial projections, retirement income planning, survivorship planning, elder care planning, estate planning, and investment planning.

A financial plan developed for (or financial consultation rendered to) a client will usually include general recommendations for a course of activity or specific actions to be taken by the client. For example, recommendations may be made to start or revise an investment program, commence or alter retirement savings, establish education savings and/or charitable giving programs, etc. We may also refer clients to an accountant, attorney, or other specialists, as appropriate for their unique situation.

For certain financial planning engagements, we will provide a written summary of a client’s financial situation, observations, and recommendations. Initial financial plan development is typically completed within six months, assuming all meetings are completed on schedule and all information and documents requested are provided promptly.