IN ADDITION TO BEING AN INVESTMENT ADVISOR, OUR BUSINESS INVOLVES THE CREATION OF SIGNIFICANT FINANCIAL STRATEGIES AND FINANCIAL PLANNING TECHNIQUES WHICH (A) RESULT IN THE CREATION OF ADDITIONAL VALUE FOR THE CLIENT AND/OR (B) HELP THEM ACHIEVE CERTAIN GOALS AND OBJECTIVES, SOME FINANCIAL AND SOME NONFINANCIAL. INVESTMENT ADVICE PROVIDED BY FMC OR BY ITS PRESIDENT AND OWNER, FRANK SISCO, IS ONLY ONE FACET OF THE BUSINESS, AND A RELATIVELY SMALL ONE. OUR PRIMARY SERVICE TO INDIVIDUALS IS OUR CREATION OF SIGNIFICANT FINANCIAL STRATEGIES WHICH, IF IMPLEMENTED, RESULT IN A GREATER LIKELIHOOD OF ADDITIONAL SAVINGS OF MONEY, AN INCREASE IN INCOME OR GROWTH, OR THE CREATION OF ADDITIONAL PRESENT OR FUTURE WEALTH FOR OUR CLIENTS AND/OR THEIR FAMILY MEMBERS THAN THE PRESENT COURSE BEING FOLLOWED BY THE CLIENT.

WE ARE ABLE TO CREATE THESE STRATEGIES AFTER WE PERFORM A DETAILED INTEGRATED FINANCIAL ANALYSIS OF A CLIENT’S FINANCIAL PROFILE, GOALS AND OBJECTIVES, CASH FLOWS, RISK TOLERANCE LEVEL, FAMILY CONSIDERATIONS, AND VARIOUS OTHER ISSUES. IN CONNECTION WITH THIS ANALYSIS FOR VARIED TYPES OF CLIENTS, WE REVIEW MATTERS AFFECTING MANY ASPECTS OF PERSONAL FINANCE AND BUSINESS, INCLUDING MATTERS INVOLVING THE ALLOCATION OF RESOURCES, THE CAPACITY FOR EARNING INCOME AND THE LEVEL, IDENTIFYING AND MANAGING RISKS, ENHANCING GROWTH, REVIEWING AND EVALUATING EXPENSE PATTERNS, TAX PLANNING AND TAX REDUCTION, RESTRUCTURING OF ASSETS, LIABILITIES AND CASH FLOW, REDUCING EXPENSES, MANAGING AND OVERSEEING BUSINESSES, AND PLANNING FOR CHANGES IN REGULATIONS, ECONOMY, AND BUSINESS ENVIRONMENT.

OUR PROPRIETARY APPROACH HAS BEEN SOMETIMES REFERRED TO IN PUBLICATIONS AS “SENSITIVE FINANCIAL SERVICES” BECAUSE WE ARE ESPECIALLY SENSITIVE TO WHAT ARE THE CLIENT'S TRUE OR REAL UNDERLYING OBJECTIVES AND NEEDS, WHICH WE BELIEVE WE ARE ABLE TO UNDERSTAND USING CERTAIN PROPRIETARY TECHNIQUES INCLUDING OUR IN-DEPTH EXPLORATION OF THE CLIENT’S FAMILY STRUCTURE, RELATIONSHIPS AND ATTITUDES, AND AN EXTENSIVE REVIEW OF THE CLIENT’S KNOWLEDGE OF PERSONAL FINANCE MATTERS AND ECONOMIC MATTERS AND THE CLIENT’S RISK TOLERANCE. WE REVIEW MATTERS HOLISTICALLY, OFTEN OBTAINING AN UNDERSTANDING OF A CLIENT'S PYSCHOLOGICAL AND EMOTIONAL UNDERPINNINGS, ESPECIALLY ABOUT FAMILY MEMBERS AND LOVED ONES, A CLIENT'S SPIRITUALITY, AND A CLIENT'S VIEWS ABOUT THEMSELVES, OTHERS AND GOD, AND THE INTERRELATIONSHIPS INVOLVED. OUR PROPRIETARY PROCESS AND METHODS, INCLUDING THE PRESENTATION OF OUR FINDINGS AND RECOMMENDATIONS IN THE CONTEXT OF THE VALUE TO BE GAINED, HAS SOMETIMES BEEN REFERRED TO IN PUBLICATIONS AS “IDEASMONEY FINANCIAL PLANNING.”

SOME OF THE SKILLS WE EMPLOY ARE FROM THE DISCIPLINES OF (A) INVESTMENT PLANNING AND ALLOCATION AND SELECTION OF APPROPRIATE PRODUCTS AND SERVICES, (B) TAX PLANNING AND PREPARATION, (C) INSURANCE PLANNING AND SELECTION OF APPROPRIATE PRODUCTS AND SERVICES, (D) ESTATE PLANNING, (E) BUDGETING, (F) ACCOUNTING, (G) PROJECTIONS OF CASH FLOW AND INVESTMENT GROWTH (H) MARKETING AND (I) EMPOWERMENT.

IN ADDITION, WE PROVIDE OTHER FINANCIAL ANALYTICAL AND ADVISORY SERVICES FOR MORE NARROWLY-DEFINED PROJECTS REGARDING PARTICULAR ISSUES SUCH AS INVESTMENT ALLOCATION OF A PORTION OF A CLIENT’S ASSETS, AND CERTAIN TRANSACTIONS INVOLVING DEBT, INVESTMENTS, AND INSURANCE.

ALSO, FOR CERTAIN CLIENTS, WHEN THEY REQUEST, WE PREPARE UPDATES OF SUMMARIES OF THEIR ASSETS, LIABILITIES, AND CASH FLOWS. OUR FEES FOR OUR WORK DEPEND UPON THE NATURE, EXTENT AND TIMING OF OUR WORK, AND IN CERTAIN CASES DEPEND UPON THE VALUE RECEIVED (OR EXPECTED TO BE RECEIVED) BY THE CLIENT. IN CERTAIN CASES OUR WORK LEADS TO SUGGESTIONS THAT INVOLVE INVESTMENTS AND INSURANCE FOR WHICH FRANK SISCO CAN EARN COMMISSIONS, AND THIS IS DISCLOSED TO THE CLIENT BEFORE THE WORK BEGINS.