https://www.financialforum.io/special-series-articles daily 0.75 2021-08-20 https://www.financialforum.io/special-series-articles/the-wa-cares-fund monthly 0.5 2021-06-24 https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1623867153095-KLIG3WSXCM4Q28TLOQ46/2021-06-16+WA+Cares+Fund+Graphic+01.jpg Special Series Articles - The WA Cares Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1623866248932-ORL6Z7XGZGXHBVIH68OO/2021-06-16+WA+Cares+Fund+Graphic+03.jpg Special Series Articles - The WA Cares Fund - Requirement for benefits: Age 18+ & current resident of Washington AND 2. Unable to perform Activities of Daily Living (ADLs): Assistance is needed with at least three activities of daily living, such as: medication management, personal hygiene, eating, dressing, and cognitive functioning, etc.; AND Contribution Requirement Met: Work and commuted for a total of 10 years without an interruption of 5 or more consecutive years AND worked at least 500 hours during each of the 10 years; or Work and contributed for 3 years within the last 6 years from the date you apply for benefits AND worked at least 500 hours during each of the 3 years. Individuals who move out of state or who do not meet the minimum contribution requirement will not be eligible for benefits, even if they contribute to the Program. In addition, employees who apply for and receive an exemption from the Program are not eligible for benefits (exemptions are discussed below). https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1623866150696-6VNZVOPO73DXJAPGJ9KJ/2021-06-16+WA+Cares+Fund+Graphic+04.jpg Special Series Articles - The WA Cares Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1623866205674-45P26A94J723L2SROU6Q/2021-06-16+WA+Cares+Fund+Graphic+02.jpg Special Series Articles - The WA Cares Fund - Is the program valid under federal law? The question still remains whether the Program is preempted by The Employee Retirement Income Security Act (ERISA), a federal law that sets rules and standards for plans established or maintained by employers for the purpose of providing medical, surgical, or hospital benefits in the event of sickness, accident, disability, death, or unemployment. Under the doctrine of preemption, when a state law interferes or conflicts with a federal law, the federal law displaces the state law. Some have argued that the Program conflicts with ERISA because it applies to the same type of plans that the ERISA governs (e.g., employer-maintained long-term care insurance that provides reimbursements for medical benefits in the event of sickness or disability). The Program is “employer-maintained” because employers are required to take payroll deductions and track exemptions. Further, the Program does not fall under an ERISA-exempted voluntary “payroll practice” because it requires participation by most employees. Since the Program is arguably preempted by ERISA, parties may bring suit in federal court seeking to invalidate the Program. Employers should be aware that a legal question remains and should look out for lawsuits that may invalidate or delay the implementation of the Program. https://www.financialforum.io/special-series-articles/cares-act-and-student-loans-changes monthly 0.5 2021-06-16 https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1623865647361-2RLEODLMKYROE1EA2EX3/20-04+CARES+Act+%26+Student+Loans+%28FAQ%29+-+graphic.png Special Series Articles - CARES Act and Student Loans Changes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financialforum.io/special-series-articles/cares-act-and-individual-stimulus-package monthly 0.5 2021-06-16 https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1623864162375-55F17XRBE78L8LISYLDR/20-04+CARES+Act+%26+Individual+%28FAQ%29+-+graphic.png Special Series Articles - CARES Act and Individual Stimulus Package - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financialforum.io/special-series-articles/cares-act-and-unemployment-program-changes-faq monthly 0.5 2021-06-16 https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1623863674629-TVNBCFNAFY06GKFZULG1/20-04+CARES+Act+%26+Unemployment+%28FAQ%29+-+graphic.png Special Series Articles - CARES ACT and Unemployment Program Changes (FAQ) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financialforum.io/special-series-articles/cares-act-and-small-business-employer-changes-faq monthly 0.5 2021-06-16 https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1623863264895-D8N2TB32MN2VQTFADJ9F/20-04+CARES+ACT+%26+Small+Business+Employer+%28FAQ%29+-+graphic.png Special Series Articles - CARES ACT and Small Business Employer Changes (FAQ) - Make it stand out This article will help you to understand all the new resources and financial assistance available for small businesses, as well as certain non-profits and other employers. The following FAQ provides information about the major programs and initiatives available from the Small Business Administration (SBA) to address needs your organization may have, as well as some additional tax provisions that may be of interest. At the end of this article, you will also find a state-by-state list of Small Business Administration guides, with an individual link to a PDF of each guide. The CARES Act also contains provisions that affect qualified retirement plan benefit programs and plan participants. We have included a set of frequently asked questions on these provisions as well as considerations for plan sponsors and human resources departments. Should you have any immediate worries or concerns, please don’t hesitate to reach out to your team at Financial Forum. We are here to support you and your employees in any way we can. PAYCHECK PROTECTION PROGRAM LOANS Q: What types of businesses and entities are eligible for a PPP loan? Businesses and entities must have been in operation on February 15, 2020. Small business concerns, as well as any business concern, a 501(c)(3) nonprofit organization, a 501(c)(19) veterans organization, or Tribal business concern described in section 31(b)(2)(C) that has fewer than 500 employees, or the applicable size standard in number of employees for the North American Industry Classification System (NAICS) industry as provided by SBA, if higher. Individuals who operate a sole proprietorship or as an independent contractor and eligible self-employed individuals. Any business concern that employs not more than 500 employees per physical location of the business concern and that is assigned a NAICS code beginning with 72, for which the affiliation rules are waived. Affiliation rules are also waived for any business concern operating as a franchise that is assigned a franchise identifier code by the Administration, and company that receives funding through a Small Business Investment Company. Q: What are affiliation rules? Affiliation rules become important when SBA is deciding whether a business’s affiliations preclude them from being considered “small.” Generally, affiliation exists when one business controls or has the power to control another or when a third party (or parties) controls or has the power to control both businesses. Please see this resource for more on these rules and how they can impact your business’s eligibility. Q: What types of non-profits are eligible? In general, 501(c)(3) and 501(c)(19) non-profits with 500 employees or fewer as most non-profit SBA size standards are based on revenue, not number of employees. You can check here. Q: How is the loan size determined? Depending on your business’s situation, the loan size will be calculated in different ways (see below). The maximum loan size is always $10 million. If you were in business February 15, 2019 – June 30, 2019: Your max loan is equal to 250 percent of your average monthly payroll costs during that time period. If your business employs seasonal workers, you can opt to choose March 1, 2019 as your time period start date. If you were not in business between February 15, 2019 – June 30, 2019: Your max loan is equal to 250 percent of your average monthly payroll costs between January 1, 2020 and February 29, 2020. If you took out an Economic Injury Disaster Loan (EIDL) between February 15, 2020 and June 30, 2020 and you want to refinance that loan into a PPP loan, you would add the outstanding loan amount to the payroll sum. Q: What costs are eligible for payroll? Compensation (salary, wage, commission, or similar compensation, payment of cash tip or equivalent) Payment for vacation, parental, family, medical, or sick leave Allowance for dismissal or separation Payment required for the provisions of group health care benefits, including insurance premiums Payment of any retirement benefit Payment of State or local tax assessed on the compensation of employees Q: What costs are not eligible for payroll? Employee/owner compensation over $100,000 Taxes imposed or withheld under chapters 21, 22, and 24 of the IRS code Compensation of employees whose principal place of residence is outside of the U.S. Qualified sick and family leave for which a credit is allowed under sections 7001 and 7003 of the Families First Coronavirus Response Act Q: What are allowable uses of loan proceeds? Payroll costs (as noted above) Costs related to the continuation of group health care benefits during periods of paid sick, medical, or family leave, and insurance premiums Employee salaries, commissions, or similar compensations (see exclusions above) Payments of interest on any mortgage obligation (which shall not include any prepayment of or payment of principal on a mortgage obligation) Rent (including rent under a lease agreement) Utilities Interest on any other debt obligations that were incurred before the covered period Q: What are the loan term, interest rate, and fees? For any amounts not forgiven, the maximum term is 10 years, the maximum interest rate is 4 percent, zero loan fees, zero prepayment fee (SBA will establish application fees caps for lenders that charge). Q: How is the forgiveness amount calculated? Forgiveness on a covered loan is equal to the sum of the following payroll costs incurred during the covered 8 week period compared to the previous year or time period, proportionate to maintaining employees and wages (excluding compensation over $100,000): Payroll costs plus any payment of interest on any covered mortgage obligation (not including any prepayment or payment of principal on a covered mortgage obligation) plus any payment on any covered rent obligation plus and any covered utility payment. Q: How do I get forgiveness on my PPP loan? You must apply through your lender for forgiveness on your loan. In this application, you must include: Documentation verifying the number of employees on payroll and pay rates, including IRS payroll tax filings and State income, payroll and unemployment insurance filings. Documentation verifying payments on covered mortgage obligations, lease obligations, and utilities. Certification from a representative of your business or organization that is authorized to certify that the documentation provided is true and that the amount that is being forgiven was used in accordance with the program’s guidelines for use. Q: What happens after the forgiveness period? Any loan amounts not forgiven are carried forward as an ongoing loan with max terms of 10 years, at a maximum interest rate of 4%. Principal and interest will continue to be deferred, for a total of 6 months to a year after disbursement of the loan. The clock does not start again. Q: Can I get more than one PPP loan? No, an entity is limited to one PPP loan. Each loan will be registered under a Taxpayer Identification Number at SBA to prevent multiple loans to the same entity. Q: Where should I go to get a PPP loan from? All current SBA 7(a) lenders (see more about 7(a) below) are eligible lenders for PPP. The Department of Treasury will also be in charge of authorizing new lenders, including non-bank lenders, to help meet the needs of small business owners. Q: How does the PPP loan coordinate with SBA’s existing loans? Borrowers may apply for PPP loans and other SBA financial assistance, including Economic Injury Disaster Loans (EIDLs), 7(a) loans, 504 loans, and microloans, and also receive investment capital from Small Business Investment Corporations (SBICs). However, you cannot use your PPP loan for the same purpose as your other SBA loan(s). For example, if you use your PPP to cover payroll for the 8-week covered period, you cannot use a different SBA loan product for payroll for those same costs in that period, although you could use it for payroll not during that period or for different workers. Q: How does the PPP loan work with the temporary Emergency Economic Injury Grants and the Small Business Debt Relief program? Emergency Economic Injury Grant (more details below) and Economic Injury Disaster Loan (more information also below) recipients and those who receive loan payment relief through the Small Business Debt Relief Program may apply for and take out a PPP loan as long as there is no duplication in the uses of funds. Refer to those sections for more information. SMALL BUSINESS DEBT RELIEF PROGRAM This program will provide immediate relief to small businesses with non-disaster SBA loans, in particular 7(a), 504, and microloans. Under it, SBA will cover all loan payments on these SBA loans, including principal, interest, and fees, for six months. This relief will also be available to new borrowers who take out loans within six months of the date the CARES Act was enacted (March 27, 2020). Q: Which SBA loans are eligible for debt relief under this program? 7(a) loans not made under the Paycheck Protection Program (PPP), 504 loans, and microloans. Disaster loans are not eligible (there is more information on this later in this document). Q: How does debt relief under this program work with a PPP loan? Borrowers may separately apply for and take out a PPP loan, but debt relief under this program will not apply to a PPP loan. Q: How do I know if I’m eligible for a 7(a), 504, or microloan? In general, businesses must meet size standards, be based in the U.S., be able to repay, and have a sound business purpose. To check whether your business is considered small, you will need your business’s 6-digit North American Industry Classification System (NAICS) code and 3-year average annual revenue. Each program has different requirements, see https://www.sba.gov/funding-programs/loans. Q: What is a 7(a) loan and how do I apply? 7(a) loans are an affordable loan product of up to $5 million for borrowers who lack credit elsewhere and need access to versatile financing, providing short-term or long-term working capital and to purchase an existing business, refinance current business debt, or purchase furniture, fixtures and supplies. In the program, banks share a portion of the risk of the loan with SBA. There are many different types of 7(a) loans, you can visit this site to find the one that’s best for you. You apply for a 7(a) loan with a bank or a mission-based lender. SBA has a free referral service tool called Lender Match to help find a lender near you. Q: What is a 504 loan and how do I apply? The 504 Loan Program provides loans of up to $5.5 million to approved small businesses with long-term, fixed-rate financing used to acquire fixed assets for expansion or modernization. It is a good option if you need to purchase real estate, buildings, and machinery. You apply through a Certified Development Company, which is a nonprofit corporation that promotes economic development. SBA has a free referral service tool called Lender Match to help find a lender near you. Q: What is a microloan and how do I apply? The Microloan Program provides loans up to $50,000 to help small businesses and certain not-for-profit childcare centers to start up and expand. The average microloan is about $13,000. These loans are delivered through missionbased lenders who are also able to provide business counseling. SBA has a free referral service tool called Lender Match to help find a microlender near you. Q: I am unfamiliar with SBA loans. What resources are available to help me apply? SBA resource partners are available to help guide you through the loan application process. You can find your nearest Small Business Development Center (SBDC) or Women’s Business Center here. ECONOMIC INJURY DISASTER LOANS & EMERGENCY ECONOMIC INJURY GRANTS These grants provide an emergency advance of up to $10,000 to small businesses and private non-profits harmed by COVID-19 within three days of applying for an SBA Economic Injury Disaster Loan (EIDL). To access the advance, you first apply for an EIDL and then request the advance. The advance does not need to be repaid under any circumstance, and may be used to keep employees on payroll, to pay for sick leave, meet increased production costs due to supply chain disruptions, or pay business obligations, including debts, rent and mortgage payments. Q: Are businesses and private non-profits in my state eligible for an EIDL related to COVID-19? Yes, those suffering substantial economic injury in all 50 states, DC, and the territories may apply for an EIDL. Q: What is an EIDL and what is it used for? EIDLs are lower interest loans of up to $2 million, with principal and interest deferment at the Administrator’s discretion, that are available to pay for expenses that could have been met had the disaster not occurred, including payroll and other operating expenses. Q: Who is eligible for an EIDL? Those eligible are the following with 500 or fewer employees: Sole proprietorships, with or without employees Independent contractors Cooperatives and employee owned businesses Tribal small businesses Small business concerns and small agricultural cooperatives that meet the applicable size standard for SBA are also eligible, as well as most private non-profits of any size. See below for more info on size standards. Q: My private non-profit is not a 501(c)(3). Is it still eligible for an EIDL and a grant? Yes, if you are a private non-profit with an effective ruling letter from the IRS, granting tax exemption under sections 501(c), (d), or (e) of the Internal Revenue Code of 1954, or if you can provide satisfactory evidence from the State that the non-revenue producing organization or entity is a non-profit one organized or doing business under State law. However, a recipient that is principally engaged in teaching, instructing, counseling, or indoctrinating religion or religious beliefs, whether in a religious or secular setting, or primarily engaged in political or lobbying activities is not eligible to receive an EIDL. If you are uncertain whether you qualify, please consult with legal counsel to determine whether your organization meets program criteria. Q: Who is eligible for an Emergency Economic Injury Grant? Those eligible for an EIDL and who have been in operation since January 31, 2020, when the public health crisis was announced. Q: How long are Emergency Economic Injury Grants available? January 31, 2020 – December 31, 2020. The grants are backdated to January 31, 2020 to allow those who have already applied for EIDLs to be eligible to also receive a grant. Q: If I get an EIDL and/or an Emergency Economic Injury Grant, can I get a PPP loan? Whether you’ve already received an EIDL unrelated to COVID-19 or you receive a COVID-19 related EIDL and/or Emergency Grant between January 31, 2020 and June 30, 2020, you may also apply for a PPP loan. If you ultimately receive a PPP loan or refinance an EIDL into a PPP loan, any advance amount received under the Emergency Economic Injury Grant Program would be subtracted from the amount forgiven in the PPP. However, you cannot use your EIDL for the same purpose as your PPP loan. For example, if you use your EIDL to cover payroll for certain workers in April, you cannot use PPP for payroll for those same workers in April, although you could use it for payroll in March or for different workers in April. Q: How do I know if my business is a small business? Please visit https://www.sba.gov/size-standards/ to find out if your business meets SBA’s small business size standards. You will need the 6-digit North American Industry Classification Code for your business and your business’s 3-year average annual revenue. Q: How do I apply for an economic injury disaster loan? To apply for an EIDL online, please visit http://disasterloan.sba.gov/ela/. Your SBA District Office is an important resource when applying for SBA assistance. Q: I am unfamiliar with the EIDL process, is there anyone who can help me apply? Yes, SBA resource partners are available to help guide you through the EIDL application process. You can find the nearest Small Business Development Center (SBDC), Women’s Business Center, or SCORE mentorship chapter at https://www.sba.gov/local-assistance/find/. SMALL BUSINESS TAX PROVISIONS Q: Are there any major tax provisions in the CARES Act designed to help aid small businesses? The following are three of the key tax provisions offered as part of the CARES Act. Please check with your accounting professional for any other tax benefits available during this crisis that may be applicable to your business. Employee Retention Credit for Employers Subject to Closure or Experiencing Economic Hardship This provision would provide a refundable payroll tax credit for 50 percent of wages paid by eligible employers to certain employees during the COVID-19 crisis. The credit is available to employers, including non-profits, whose operations have been fully or partially suspended as a result of a government order limiting commerce, travel or group meetings. The credit is also provided to employers who have experienced a greater than 50 percent reduction in quarterly receipts, measured on a year-over-year basis. Wages of employees who are furloughed or face reduced hours as a result of their employer’s closure or economic hardship are eligible for the credit. For employers with 100 or fewer full-time employees, all employee wages are eligible, regardless of whether an employee is furloughed. The credit is provided for wages and compensation, including health benefits, and is provided for the first $10,000 in wages and compensation paid by the employer to an eligible employee. Wages do not include those taken into account for purposes of the payroll credits for required paid sick leave or required paid family leave, nor for wages taken into account for the employer credit for paid family and medical leave (IRC sec. 45S). Please note that the credit is not available to employers receiving assistance through the Paycheck Protection Program. The credit is provided through December 31, 2020. Delay of Payment of Employer Payroll Taxes This provision would allow taxpayers to defer paying the employer portion of certain payroll taxes through the end of 2020, with all 2020 deferred amounts due in two equal installments, one at the end of 2021, the other at the end of 2022. Payroll taxes that can be deferred include the employer portion of FICA taxes, the employer and employee representative portion of Railroad Retirement taxes (that are attributable to the employer FICA rate), and half of SECA tax liability. Please note that deferral is not provided to employers receiving assistance through the Paycheck Protection Program. Business Tax Relief The CARES Act also provides assistance to businesses through the modification of rules related to net operating losses (“NOLs”), interest expense deductions, alternative minimum tax credits and trade or business losses of non-corporate taxpayers. Many of these modifications are designed to provide critical cash flow and liquidity to businesses during the COVID-19 emergency, including through amending prior tax returns to obtain tax refunds. What this means to you is that employers have several tools available to them to help with cash flow, claim tax refunds, or reduce upcoming tax payments. 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Reconstitution involves the re-evaluation of a market index. The process involves sorting, adding, and removing stocks to ensure that the index reflects up-to-date market capitalization and style. 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- Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1629320118131-2UYUWV5WM1SMN66H42ES/credit-freeze1.jpg Personal & Family Finances Articles - Do You Need a Credit Alert, Credit Freeze, or Credit Lock? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1629394306208-QT97ZY0006DWUJ668HMV/CreditLockBlog2.jpg Personal & Family Finances Articles - Do You Need a Credit Alert, Credit Freeze, or Credit Lock? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financialforum.io/personal-family-finances-articles/a-guide-to-freezing-your-credit-report monthly 0.5 2021-08-19 https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1629320118131-2UYUWV5WM1SMN66H42ES/credit-freeze1.jpg Personal & Family Finances Articles - A Guide to Freezing Your Credit Report - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1629320173297-27879AF0ON333DL1DM3Z/kids%2Bcredit.png Personal & Family Finances Articles - A Guide to Freezing Your Credit Report - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financialforum.io/personal-family-finances-articles/how-to-protect-yourself-and-your-credit-in-a-data-breach monthly 0.5 2021-08-18 https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1629314785911-29ZWZY6U6C158L8H7RU5/unsplash-image-7aakZdIl4vg.jpg Personal & Family Finances Articles - How to Protect Yourself and Your Credit in a Data Breach - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1629314952832-296B3VM7LIDH98B0HKBV/unsplash-image-x8i6FfaZAbs.jpg Personal & Family Finances Articles - How to Protect Yourself and Your Credit in a Data Breach - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financialforum.io/personal-family-finances-articles/category/Personal+%26+Family+Finances monthly 0.5 https://www.financialforum.io/personal-family-finances-articles/tag/Resolutions monthly 0.5 https://www.financialforum.io/personal-family-finances-articles/tag/Organization monthly 0.5 https://www.financialforum.io/personal-family-finances-articles/tag/Credit monthly 0.5 https://www.financialforum.io/personal-family-finances-articles/tag/New+Year monthly 0.5 https://www.financialforum.io/personal-family-finances-articles/tag/Identity+theft monthly 0.5 https://www.financialforum.io/personal-family-finances-articles/tag/Identity+Theft monthly 0.5 https://www.financialforum.io/personal-family-finances-articles/tag/Personal+Finance monthly 0.5 https://www.financialforum.io/our-story daily 0.75 2022-04-08 https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1611088877276-MD339YE5457R9UX14TK3/timothy-eberly-dJA28oi6E_Y-unsplash.jpg Our Story - Financial Forum was founded as a financial services company more than three decades ago. From the very beginning, we have been passionate believers that the best decisions are not made alone. We have always encouraged our clients to make their decision “out loud.” In 2001, Landy Comstock joined Financial Forum as a financial advisor and later purchased the firm. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1611093809485-07P7W2LW8OAD20UOGOXJ/financialforum-9644.jpg Our Story - Before joining Financial Forum, Landy was a fourth-generation farmer in the Palouse. Farming shaped him, and he lived what Stephen Covey wrote in his 1994 book, First Things First, that natural laws and principles determine harvest. One lesson he learned farming is that there are no shortcuts or cramming on the farm. Landy applies those lessons to the financial industry, as well. He believes there are no shortcuts to financial security — it takes effort and discipline. We are your coaches and team members in this process. We help you prioritize goals, identify resources, marshal those resources, and constantly evaluate our progress. Just like on the farm, there will be a time to till the land, a time to plant seeds, a time to clear the thorns, and a time to harvest. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/5a0bc0a6-ff57-4f3f-ae69-2d31191467a7/2022+Gold+LongCrop.png Our Story https://www.financialforum.io/what-makes-us-different daily 0.75 2026-01-18 https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1632341202928-1Q3XPVTK7ENMT6EU2FY2/Untitled+design.png What Makes Us Different Charles Schwab and TD Ameritrade are our preferred custodians. Both offer impeccable financial stability and remain industry leaders in custody, trading technology, and financial services. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/09db6e43-9fb6-445f-bfda-6df965c41d28/RightCapital.png What Makes Us Different RightCapital is a modern, interactive financial planning platform that brings your complete financial picture into focus. We use its dynamic tools to visualize cash flow, tax-efficient distribution strategies, and retirement scenarios, creating a flexible roadmap that evolves alongside your life. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1632341397939-C8W3Z8I546OZYNOF9UEZ/Untitled+design+%281%29.png What Makes Us Different Black Diamond provides our clients technology tools that mirror what they use in everyday life. Our clients benefit from their first-class mobile application that provides comprehensive window into their portfolio, provides performance reporting, and document storage. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1a4156ef-0a91-44df-9105-32bc7cc8523d/Wealth.com.png What Makes Us Different - Make it stand out Wealth.com is a dynamic estate planning solution that brings your legacy goals into clear view. We use its intelligent tools to visualize your estate structure and securely organize vital documents, helping us create a comprehensive plan that ensures your family is protected. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/e49f59f0-0d3d-4b48-a89c-e1fcde0e1536/JDP_162022-110.jpg What Makes Us Different - Where Are My Assets Held & How Safe Will They Be? Charles Schwab is our preferred custodian. Charles Schwab offers impeccable financial stability and remains an industry leader in custody, trading technology, and financial services. Charles Schwab is recognized for comprehensive account offerings, education and retirement planning tools, and outstanding customer service. In addition, insurance is provided by Securities Investor Protection Corporation (SIPC) to protect client assets. We facilitate the account opening process by providing clients with the necessary paperwork and handling the interaction with the custodian. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/3c880d47-709e-4b8d-8061-f65a8eea6f7b/JDP_162022-33.jpg What Makes Us Different - The Difference Between RIA & Registered Rep As Registered Investment Advisors (RIA), we have elected to adopt the fiduciary standard of client care. This means we are legally and ethically obligated to place your interest above all others with complete transparency. Wirehouse reps are not fiduciaries, as they focus on investment suitability. As an RIA, we are eliminating conflicts of interest and documenting our commitment to you. RIAs strictly work for the client while wirehouse reps work for their respective firm. As an RIA, we are not limited with investments that only pay a commission. We are not limited by the offerings, investment policies, and control of a large institution. We can better serve you through a fully integrated solutions platform, providing completely objective advice, and independent investment counsel. https://www.financialforum.io/team daily 0.75 2026-03-24 https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/0b490f8f-dc64-480b-8497-bcfebbe49e81/financialforum-9666-2.jpg https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/97c23433-935b-4bf6-837d-a1b19c8d8e98/Landy+Copy.jpg https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/a941c051-8ab0-4d0d-bc90-5af9a17e1522/JDP_162022-134.jpg https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/c29a484d-939c-4ab8-931a-84d897f1e311/financialforum-9741.jpg https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/3b8a9e8f-2762-474d-ac23-09ae04a26353/WTM01112.jpg https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/77b35763-715e-4454-8a5f-7f20176a2aa5/2025+Holiday+Newsletter+Picture+-+Britney.jpeg https://www.financialforum.io/who-we-serve daily 0.75 2025-06-13 https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1616185045998-BYYZA47BDDWMK4ZH5KX6/roberto-nickson-smJ6XsYy8gA-unsplash.jpg Who We Serve - Families and Individuals We develop tailored solutions to help individuals, families, and businesses work toward their financial goals. Our focus begins with planning and encompasses a generational approach to creating financial security — whatever that might look like for you. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1618530232115-6SNO1QOBGFUBCTVZ8YOI/dylan-gillis-KdeqA3aTnBY-unsplash.jpg Who We Serve - Business Owners We understand business owners and enjoy exploring their entrepreneurial spirit. Financial Forum creates an environment that allows our clients to focus solely on their business' growth and sustainability. We create a customized strategy to help maintain the strength of your business and chart a path toward personal financial freedom. https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1618531822545-T36DFIU1ACPQY9Q5UR2R/benjamin-child-GWe0dlVD9e0-unsplash.jpg Who We Serve - Retirement Plans For most people, workplace retirement plans are their most powerful retirement tool. We help business owners and corporate managers design, manage, and service retirement plans for themselves and their valued employees. https://www.financialforum.io/our-approach daily 0.75 2025-06-13 https://www.financialforum.io/what-we-do-for-you daily 0.75 2025-06-13 https://images.squarespace-cdn.com/content/v1/5fe24333f6cac5511ed0231b/1611081773857-6NAO0T2MFMWRBT10BQ4C/financialforum-9705.jpg What We Do For You - What We Do for You As an independent and privately-owned advisory firm, Financial Forum is free from the types of conflicts that arise from public shareholders or parent company relationships. As a Registered Investment Advisory (RIA) firm, we have access to an enormous amount of investment solutions and research. 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