Professional

Laurence has devoted his career to helping clients achieve financial security in a tax-efficient and cost-effective manner. Laurence focuses on building long-term relationships based on accountability, knowledge, and integrity. Laurence is a CERTIFIED FINANCIAL PLANNERTM professional, has his Chartered Life Underwriter® designation, and earned his Bachelor of Science in Accountancy from the WP Carey School of Business at Arizona State University.

 


 

Individuals
Laurence Schiffman, CFP®, CLU® and his team help doctors, executives, and professionals achieve financial security through diligent insurance planning, saving enough to meet their long-term goals, and via disciplined investing. Laurence believes that by helping his clients plan strategically, he can help them achieve tax efficient strategies that are often overlooked. He also helps clients achieve their goals by following sound investment principles, paying close attention to risk-reward relationships, and by helping clients stick to their long-term plan (regardless of short-term market movements).
 
Businesses
Here, Laurence Schiffman, CFP®, CLU® and his team work with the owners of closely-held businesses to design compensation and benefit packages, so that they can more effectively attract and retain high-quality employees, at both the employee and executive levels. To help protect against the unforeseen, Laurence also helps the business owners with their contingency planning, so that they can mitigate the financial impact in the unfortunate event that one of the owners or key employees gets sick, hurt or dies. Finally, Laurence helps the owners of those businesses create a road map so that they can exit the business successfully, in a tax-efficient manner, and retire with dignity.
 
Retirees
Our goals are not only to help our clients retire, but stay retired. Most advisors spend so much time focusing on the accumulation side of planning that the distribution plan is often neglected, leading to inefficiencies when the money is drawn on. Laurence Schiffman, CFP®, CLU® and his team have focused extensively on retirement distribution planning, focusing not just on market performance, but also on the tax implications for those retirement dollars. Laurence and his team help their clients optimize their income in retirement, without putting their distribution plan at risk. Through proper planning, they can help clients mitigate the major risks retirees are facing today:
  • Longevity Risk - the possibility of outliving their money
  • Market Risk - market declines early in retirement having a greater impact than a decline in later years
  • Inflation Risk - losing purchasing power
  • Healthcare Risk - longer life expectancies and rapidly rising medical costs posing significant risks
  • Legacy Risk - having enough to live off of, but not enough to leave behind to family members and organizations that you care most about
 

Laurence Schiffman, CFP®, CLU®
Wealth Management Advisor


Schiffman & Associates Wealth Management

 

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