Dedicated to your Success
We invite you to discover and experience the power of our financial solutions. We take a proactive approach to help you develop a strategy to address your financial goals and objectives, using the most efficient methods available. No one strategy fits everybody, which is why every client gets our undivided attention from custom planning to implementation and follow-up.
New Century Planning Associates is a full service financial planning firm comprised of several experienced professionals who came together many years ago to work as a team. New Century Planning’s team of CPAs, CFPs, attorneys and insurance and investment pros are independent, and can therefore “shop the market” for their clients in order to provide first class, comprehensive solutions across a wide array of financial planning needs. New Century Planning has a focus on education and communication, and listening attentively to our client’s needs and concerns.
Dedicated to your Success
New Century Planning Associates is a full-service financial firm comprised of several experienced professionals who came together many years ago to work as a team.
New Century Planning’s team of CPAs, CFPs, attorneys and insurance and investment pros are independent, and can, therefore “shop the market” for their clients in order to provide first class, comprehensive solutions across a wide array of financial planning needs. New Century Planning has a focus on education and communication and listening attentively to our client’s needs and concerns.
Disciplined Asset Management
Personal Account Administration from our trusted partner, Applewood Capital Management, LLC. Applewood Asset Management will provide a clear and accurate summary of your accounts at your reviews, and strive to make your financial transactions and record keeping easier. Our reporting is in a convenient and simple to understand format, and we will walk you through all the aspects of your statements, including tax implications and reports.
We help you build durable, all-weather portfolios for long term growth, or growth plus income, or for pure income purposes. Our seasoned analysts and advisors and portfolio managers follow sophisticated and disciplined strategies to help you build your wealth, while carefully managing risk levels in all market environments. We generally utilize all asset classes and investment vehicles in order to help you achieve your income, growth, or legacy goals, including “alternative” investments such as cryptocurrencies, real estate, and precious metals.
Confidentiality & Privacy
Applewood Asset Management respects your right to privacy and security. We will treat all of your personal information as private and confidential at all times within our company.
We Will only share this information with associates or assistants with your approval, and when necessary for the effective management of your accounts.
Comprehensive and affordable identity theft restoration and protection from Another trusted partner, New Century Identity Theft Protection Services, LLC. NCIDT.
The Certified Identity Theft Risk Management Specialists (CITRMS) protection and restoration at New Century are well equipped to help you address the very real legal and identity theft risks present in today’s society, at a very reasonable cost. Since none of us can effectively protect all of our personal information all the time, the key to surviving a serious breach or ID theft Incident is complete restoration to pre-breach status, using Professional investigators and attorneys.
Why Choose Us
Because we offer the ultimate Retirement Planning –
A 5 pillars process
Increases in Federal, state and Payroll taxes
- Taxation of Social Security income
- Loss of Exemptions
- Loss of Deductions
- Restrictive and Mandatory RMDS
- Market Downturns
- Low Interest Rates
- Increases in Taxation
Unfavorable Statistical Odds
Inadequate Estate Planning
- Market Downturns
- Loss of Purchasing Power
- Increases in U.S. Debt
- Protection of Nest Egg
- Need for Growth
Our combination of special education, licenses, and registrations qualify us to work with all types of investments and financial planning needs. Our process involved a comprehensive approach to planning, and incorporates your insurance, legal, and accounting needs in addition to your income and investment goals. We offer our clients the following services, including, but not limited to:
- Comprehensive financial lifestyle planning
- Building on sustainable retirement income streams
- Tax minimization strategies
- ROTH conversion & tax-free income planning
- Insurance and risk management planning, including identity Theft protection plans
- Asset protection and long-term care planning
- A focus on plain English education and explanation
- Enhanced portfolio reporting
- Social Security and Medicare planning
- Legacy, estate and charitable planning
WE ARE CERTIFIED FIDUCIARIES
Our CFP and CPA professionals have met these strict requirements mandated by the CFP Board and NASBA (National Association of State Accountancy Boards):
EDUCATION & EXAMINATION
CFPS professionals must develop their theoretical and practical financial planning knowledge by completing a comprehensive course of study at a college or university offering a financial planning curriculum approved by the CFP Board. In addition, they must pass a comprehensive two-day, 10-hour CFP® Certification Examination that tests their ability to apply financial planning knowledge in an integrated fashion.
Far CPAS, these requirements include: completing a program of study in accounting at a college or university, passing the Uniform CPA Exam, and obtaining a specific amount of professional work experience in public accounting.
The CPA Examination serves to protect the public interest by helping to ensure that only qualified individuals become licensed as Certified Public Accountants (CPAS). The Uniform CPA Exam is one of the “Three E’s” – Education, Examination, and Experience – that are required for licensure as a CPA. Consequently, passing the Examination is not, in itself, sufficient to meet requirements for licensure.
EXPERIENCE & ETHICS
CFP® professionals must have at least three years of experience providing financial planning services to clients before they can earn the right to use the CFP8 certification marks. As a final step to certification, CFP8 professionals agree to abide by a strict code of professional conduct known as the CFP Board’s Code of Ethics and Professional Responsibility and agree to abide by the CFP Board’s Financial Planning Practice Standards.
All CPAs are also required to observe the Code of Ethics established by the Board of Accountancy.
In addition, CFP and CPA professionals must renew their certification every two (CFP) or three (CPA) years. As part of the renewal process, they are required to complete numerous hours of continuing education over those 2–3-year time frames, as well as fulfilling ethical obligations.
OUR INTERNATIONAL DIVISION
New Century Planning recognizes the trend of Americans retiring overseas is growing, as their retirement dollars often go further in locations outside the US. In some countries, such as Mexico, Costa Rica, Panama, and Ecuador, there are many expat communities, with populations often in the thousands. While most of these ex-patriot Americans are retired, they still need guidance on many financial issues, and New Century Planning regularly conducts educational dinners and classroom presentations in these locations to serve those growing communities.