Financially Speaking Inc

Financially Speaking, Inc. is a financial advisory firm established in 1991, led by principal owner Philip H. Luccock, CFP®, CMA. The firm focuses on personalized services to help clients achieve their financial goals, offering services such as retirement planning, investment management, education planning, estate planning, tax planning, insurance evaluation, succession/transition planning, and compensation strategies. They manage over $152 million on a discretionary basis and $3 million on a non-discretionary basis. The firm operates on a fee-only basis, with an annual fee of 1% of assets under management, billed quarterly in advance. They do not participate in wrap fee programs and do not accept performance-based fees. Financially Speaking, Inc. provides investment discretion to clients, allowing them to impose restrictions on investing in certain securities. The firm's investment strategy involves active trading, dynamic asset allocation, and risk mitigation techniques. They do not have custody of client funds and do not vote client securities. The advisors at Financially Speaking, Inc. act as fiduciaries, putting clients' best interests first. Clients typically include individuals, trusts, estates, charitable organizations, corporations, and business entities. The firm has not been involved in any legal or disciplinary events.