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Seasons of Advice
The Seasons of Advice system is an approach to client service and practice management used by financial advisors. The Seasons of Advice model creates a road map for financial decision making and a time frame in which to do it. The time frame aligns with the seasons of the year. The program uses Neuroeconomics to more naturally follow the way the brain receives data and processes financial decisions. The idea is to drive enhanced revenue and streamline workflow by aligning a proactive, systematic, relevant and coordinated client experience that's easy to follow. Embedded within the system is a coordination with the other professionals in a clients’ life, the accountants and attorneys.

History
Developed in 2005, Seasons of ADvice was created by Charles Hamowy CFP(r), CPA and Christopher Conilgiaro, CFP(r)

Winter: Goal Tracking Seasons
The objective of the Goal Tracking Season is to clarify a financial plan or revise an existing one. It is the foundation of the other Seasons. In their book, this season is described as "a point in the early part of your year... when you are asked to weigh your accomplishments, dream big and evaluate your future challenges so you can envision and create the life you want." The Goal Tracking Season is set in Winter to correlate with the new year and new year resolutions.

The Goal Tracking meetings seek to answer the following:


 * How Am I Progressing on my Goals?
 * Am I saving enough?
 * Am I on track for my retirement date?
 * Can I spend more money now?
 * How is my risk level? Too high or too low?
 * Should I restructure my debt?
 * Do I have enough for financial emergencies?
 * What are the risks to my financial life?

Spring: Asset Allocation Season
The Asset Allocation Meetings look at the following questions.


 * What is the optimal mix of investments for my situation?
 * How do I change from where my investments are today to where I need to be?
 * How should my retirement plans at work be invested?
 * Are there tax implications to making changes in my portfolio?
 * Is my record keeping adequate for my investments?
 * Are there different types of investments I should be considering?

Summer: Family, Security and Intergenerational Planning
Explanation

This meeting answers the following questions for the client:


 * Do I need to re-evaluate my cash flow?
 * What if I couldn’t work anymore? Am I prepared?
 * What happens if I need custodial care someday?
 * Do I have the right amount of Life Insurance?
 * What are the risks to my personal property?
 * If I die, will my assets transfer simply to my heirs?
 * Do I have an effective power of attorney or will in place?
 * What should I do with my workplace benefits?

Fall: Year-End Tax Planning Season
Explanation

The Tax Planning meeting goes into depth about the following:


 * Are there year end decisions I could make to limit my tax liability?
 * How can I effectively communicate my tax situation to my accountant?
 * Should I take gains or losses this year or next?
 * How will tax law changes affect my decisions?
 * Am I using retirement plans correctly?
 * Should I try to accelerate or delay income and expenses?
 * Are my investments tax efficient
 * Am I withholding enough?

Benefits of Seasons of Advice
content needed

Founders
summary

Christopher Conigliaro
Christopher Conigliaro CFP®: After graduating from Hofstra University in 1993, Christopher Conigliaro went directly into the financial services industry, where he has remained for his entire career. A Certified Financial Planner, Chris manages the successful financial advisory practice in midtown New York City that he co-owns with Charles Hamowy. A dynamic speaker on the subject of personal wealth management strategies, he is also a popular media expert on a wide range of investment products. He lives in New York State and, with Charles, works in the firm’s offices in midtown Manhattan.

Charles Hamowy
Charles Hamowy CPA, CFP®: After graduating from New York University in 1978, Charles Hamowy began his career in the accounting profession as a Certified Public Accountant. After a successful decade-long career in accounting he redirected his passion to help others build their personal financial success, adding the Certified Financial Planner(r) credential to his professional designations. Charles is also an executive compensation planning specialist. In 1998, he joined forces with Christopher Conigliaro, CFP, to form a wealth advisory firm. A former financial radio show host and commentator, Charles is a media expert and public speaker addressing topics from investment portfolio design to planning for life’s uncertainties. Born in Brooklyn, Charles Hamowy lives and works in New York City.

Financially Secure Forever
About the book.