CORE VALUES AND RESPONSIBILITIES
We are dedicated to providing sound financial planning for anyone who seeks it. We have a fiduciary duty to each of our clients, which means we must make decisions based only on their best interest. We understand and value our clients' goals and work tirelessly to guide them towards those goals.
It is a fiduciary responsibility of one party to act in the best interest of another. For our clients, we have a fiduciary responsibility to ensure a duty of care, a duty of loyalty, and a duty of good faith. We will never put our interests before those of our clients. Establishing trust is important to us.
We love to give back to our community and frequently donate to charities and sponsor non-profit events. Check out our Events page to see what we are up to. Our team members volunteer at local events and our advisors sit on multiple boards. We are constantly involved in the autism and special needs communities. This is not just a job for us, it's how we live every day.
SPECIAL NEEDS PLANNER LOCATION
Our offices are located at:
74 Batterson Park Road, Floor 1, Farmington, CT 06032
From I-84 East. Take Exit 37 Fienneman Road. Continue straight on to Batterson Park Road. Turn left on to Bagdigian Way. Our offices are on the left of building 74. We are on the 1st floor.
From I-84 West. Take Exit 38 toward US-6E. Turn left on to US-6E. Continue straight. Keep right on to Colt Highway. In 0.3 miles turn right onto 2 Mile Road. In 0.4 miles turn right on to Batterson Park Road. In 0.5 miles turn right onto Bagdigian Way. Our offices are on the left of building 74. We are on the 1st floor.
Yes! We work with clients all around the country. Many people like to discuss these subjects in person. When clients cannot meet in person, we employ remote communicating and sharing capabilities.
FINANCIAL PLANNING SERVICES
Our core competencies are Financial Planning, Coaching and Support, Workplace/HR Training and Benefit Consulting, and Guest Speaking.
We offer comprehensive financial planning services to families of children with intellectual and/or developmental disabilities and/or self-advocating individuals with or without intellectual and/or developmental disabilities. When we see people for the first time, we listen to their financial goals, then we create a plan with which to reach those goals. There is no fee for an initial consultation, and if a comprehensive plan makes sense, there is a flat fee. No products are recommended during the planning process. Our goal is to look at everything (and we mean everything) in order to come up with suitable solutions and a way to implement them.
Coaching and Support for Individuals:
Sometimes individuals with special needs become overwhelmed when living as independently as possible. They are not alone. At Planning Across the Spectrum we try to make things simple, talking to clients as PEOPLE and prioritizing their needs and goals in life, including money skills, vehicle purchases, housing, and career.
Consulting for Employers:
In the world of benefits, shifting legislation and economic changes can create confusion for employers and the self-employed. Our consultants decode the facts, simplify the process, and allow business owners to help their diverse employee populations plan for the future.
We enjoy speaking at events around the country on topics that are of importance to the autism and intellectual disability communities. Speaking topics include, but are not limited to, money skills, government benefits, and retirement and estate planning.
Because we understand. We have experienced the ups and downs of living with autism. But, as importantly, this is not just a job for us; we are passionate about what we do.
We don’t use fancy industry jargon to scare people or rush anyone into a decision. You have enough to worry about. Our responsibility is to help instill financial confidence, not just for today, but for the future.
We work with a range of clients from people on the autism spectrum, who are seeking to learn basic money skills, to parents and caregivers who want to ensure they are on the right path for their financial future to employers looking to provide solutions for their neurodiverse talent.
We get paid for the value we provide. Principally we charge for our services and advice. However, we also can be compensated for investment management if that is appropriate for your situation. We try to be as reasonable and flexible as possible to make our services as accessible as possible. Because the structure varies from client to client, we always discuss the specific needs for every individual client. There is no charge for the initial consultation.
OUR FINANCIAL PLANNING QUALIFICATIONS
Our advisors have master’s degrees in finance, many years of experience in financial planning, and multiple designations including Certified Financial Planner™, Behavioral Financial Advisor(BFA™), Chartered Special Needs Consultant (ChSNC®), Associated Estate Planner (AEP®), Chartered Federal Employee Benefits Consultant (ChFEBC™), and Certified Divorce Financial Analyst (CDFA®). More importantly, Planning Across The Spectrum is a firm built by people who have been where you are. We know how to help you based on our own, personal experiences.
A CERTIFIED FINANCIAL PLANNER™ or CFP® is a prestigious designation that
requires an undergraduate degree at a qualified institution, an examination, 6,000 hours
of experience, and compliance with the CFP® Board’s ethical standards. Having
attained a CFP®, the governing Board requires 30 hours of continuing education every
two years. CFP® Professionals have completed coursework in
Professional Conduct and Regulation
General Principles of Financial Planning
Risk Management and Insurance Planning
Retirement Savings and Income Planning
Financial plan development (capstone) course
For all of these services, the CFP® has a fiduciary responsibility to his or her advisory clients.
We use best-of-breed and industry-leading technology and tools to be efficient, secure, and to make things as easy as possible for our staff and clients. Our founder, Andrew Komarow, holds A+ and Network+ computer certifications, we use state-of-the-art computer and,phone systems so that we can provide the best and most secure experience for our clients.
Absolutely. We use safe technology and practices. We never share personal information.