Life’s transitions, whether it's a change in marital status, the loss of a spouse, an inheritance, a career change, or retirement can often be extremely overwhelming. While we cannot always control life's challenges, we can develop the necessary skills to make transitional times easier to navigate.
Elisabeth Cullington, a Certified Financial Planner and Certified Divorce Financial Analyst specializes in assisting clients through life’s major transitions. Having herself been through a number of these in the past as well as interviewing many women who have had to face those difficult challenges, and through research, she came to recognize the unique issues women faced with financial comprehension, decision-making, investing, retirement, and other life transitions.
With her compassion, patience and practicality, Elisabeth helps her clients take control of their financial situation and answers the overwhelming questions that often arise while in the midst of transitional times, such as: "Where do I begin?", "What are my options?", "How do I manage my cash flow?" and "Where do I go from here?"
Are you going through a divorce? Have you recently lost a parent? Are you a widow? Have you become the primary breadwinner in the family?
Chances are your life is full of transitions, especially in these uncertain economic times.
Thats why I have focused my Certified Financial Planning practice to reach women going through painful life transitions. I have been surprised to hear many financial consultants weren’t aware their clients were going through these transitional events. Many times their clients didn’t tell them, and many times the financial advisor wasn’t comfortable asking them.
It is my goal to identify and help clients experiencing these challenges.
I will be rolling out a nationwide Women of Wealth in Transition seminar. I would like to invite clients and prospective clients going through divorce or recent widowhood to participate in this social networking site and be available to participate in the upcoming seminar. I expect to have approximately 250 women investors and brokers attending this conference.
I will be bringing a panel of experts to answer questions on the psychological, legal and financial implications of divorce and widowhood.
The speakers will be encouraging women to slow down in making short-term decisions that could have long-term implications. They will be advising women to create a financial team of investment advisers, attorneys and CPAs, and regularly meet with them. I will be challenging women to form a dinners and dollars group to regularly take members of their financial team out to dinner and quiz them on issues they’re concerned about.
I have a client who is a daughter with a father who’s very old and in poor health. I have clients within retirement communities for both men and women. I have clients in the sandwich generation caring for both children and elderly parents. I am reaching out to families as well. I ask all my clients if they’re prepared for life’s transitions.
My approach to the business of certified financial planning in San Diego typifies my focus on women of wealth.
A big problem for women is that the Social Security benefit paid out to women is on average 23% lower than that paid out to men. Also, 90% of women will either remain single, get divorced or be widowed.
Women of Wealth in Transition is the latest in an ongoing effort to increase the number of women clients. My reaching out to women of wealth has helped me identify three markets: women corporate executives, women entrepreneurs and women of inheritance.
About Elisabeth Cullington, Certified Financial Planner and Author
Elisabeth Cullington, Certified Financial Planner, Author and financial advisor provides independent financial advice and financial services including wealth management for women of wealth in transition as a fee-only registered investment advisor. Ms. Cullington is a transition financial planning specialist with credentials and experience which can be seen at http://www.HoyleCohen.com. You can also see Ms. Cullington's blog at http://ElisabethCullington.blogspot.com and her Independent Registered Investment Advisor website for Women of Wealth in Transition at http://CertifiedFinancialPlanner.ning.com.
For more information about becoming a Cullington client or to schedule an interview with Ms. Cullington, please contact Elisabeth Cullington, CFP by email at ecullington@yahoo.com or by phone at 858.576.7300.
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San Diego Financial Advisor
San Diego Financial Planner
As a seasoned and experienced San Diego financial planner, Elisabeth Cullington, CFP, CDFA, is known for maintaining her clients trust while helping them meet their financial goals.
San Diego Financial Advisor
Financial planning is a field that has been around for many years, but the actual process is still a mystery to many. The average financial advisor charges fees for their services, which traditionally mean that the client will expose their assets, liabilities, wherewithal, goals, and aspirations to the planner. The advisor then takes that information and crafts it into a working plan. Unfortunately, most planners fail to follow up after the initial plan design is put into play. This inevitably leads to long-term plan failure.
As a San Diego financial planner, Elisabeth Cullington, CFP, CDFA, has crafted a somewhat different approach in that she takes on a partnership with the client. The partnership involves doing many of the same things that the average planner does, but because they develop a long-term plan, the extraordinary fees can often times be circumvented. The way this is done is to bring the clients entire picture to the surface, including all of the hidden assets.
San Diego Financial Planning
As a San Diego financial advisor, Elisabeth Cullington, CFP, CDFA, is focused on providing personalized financial planning to her clients through her professional advice and management services.
Financial Advisor
Her mission is to promote the long term financial well being of her clients. It is her intention to pool her talents, resources and years of experience with other San Diego Financial Advisors in the HoyleCohen firm in order to provide the most comprehensive and objective analysis possible. She will strive to work hand in hand with your existing advisors to build a synergistic effect that will empower you to achieve greater levels of financial freedom by having all of your trusted advisors see your goals and objectives from the same viewpoint, thereby maximizing your potential for financial security and success.
A hidden asset is one that is easy to quantify, but difficult to use in the financial plan. For most people, this means taking their home equity and making it an essential part of the plan. By making your home equity the foundation, instead of the unusable asset, leverage becomes the dominant feature of the plan. And when you can maximize with leverage, the client positions many thousands of dollars they never thought possible into their future. The planner gets a much bigger slice of pie to work with, and essentially can offset any fees that they needed to charge, as before. The end result should always be client focused, not asset driven.
With Elisabeth Cullington, CFP, CDFA, the client takes the first position, and all secondary positions. If she can’t cultivate maximum productivity for her client accounts, she won’t take on the client. For more information about becoming a CULLINGTON CLIENT or to schedule an interview with Ms. Cullington, please contact Elisabeth Cullington, CFP by email at ecullington@yahoo.com or by phone at 858.576.7300.
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