Financial Planning

Financial planning is the development and implementation of a coordinated plan for the achievement of your overall financial objectives. These objectives include investment management, risk management, tax and retirement planning, estate planning, and special needs such as college education financing. A financial plan is a road map for navigating the financial highway of one’s life. In creating the financial plan Flower & Desiderio Financial Group, LLC uses a "systems approach" toward achieving your goals, i.e., we consider the interrelationship of each of these important financial security components as we map out your plan. Six steps are involved.

1. Define client-planner relationship
2. Collect and assess all relevant data and identify goals .
3. Identify financial issues and problems.
4. Provide recommendations and alternative solutions to these issues.
5. Assist in implementing recommendations.
6. Offer periodic financial plan reviews and updates.

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Frederic V. Flower, CFP, CPA Tel: 410-571-8390 Thomas J. Desiderio, CFP, CPA Tel: 410-573-9580 Securities offered through Medallion Investment Services, Inc.* Tel: 410-544-8400 Member FINRA/SIPC Investment advice offered through Medallion Advisory Services, LLC* Registered Investment Adviser Insurance products offered through Medallion Insurance Services, LLC* *Wholly-owned subsidiary of TMG Holding Company, Inc. T/A The Medallion Group

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