Our Philosophy

At NFP-FDR Financial Group, we define our role as advocates and advisors on behalf of individuals, businesses and families who require highly specialized financial and advisory services. Our goal is to help them increase value and decrease risk.

NFP-FDR Financial Group is an organization of financial resource management professionals who apply their diverse experience to assist clients in formulating and implementing strategies for wealth accumulation and wealth preservation. NFP-FDR Financial Group utilizes a team approach that takes advantage of the synergistic results produced by combining several disciplines. We believe this approach provides for more comprehensive planning then otherwise available.

Throughout America’s history, only families of high net worth have been afforded the opportunity to utilize and entrust private companies with sophisticated financial advisors to manage their substantial assets. Doing so helped ensure that all activities would be aligned with their families’ interests. NFP-FDR Financial Group has adopted and adapted this concept for successful professionals who are in need of highly specialized financial and advisory services. Operating on the same principles of integrity, transparency, and independence, our goal is to provide individualized strategies for all clients seeking wealth accumulation, wealth preservation, income distribution, and wealth transfer.

Proper Alignment

Far too often, an individual’s finances are managed by a myriad of advisors who do not communicate with each other or collaborate towards a common goal and strategy. At NFP-FDR Financial Group, our team will organize a client’s assets with a customized portfolio, coordinate and work in partnership with their advisors (but not substituting those individuals), and develop a plan for the present and the future. We constantly monitor this plan to ensure that any changes in the lives of our clients or in the financial market are appropriately accounted for.

Individualized Solutions

The professionals of NFP-FDR Financial Group is fully aligned with its clients. We are not confined or restricted in our thought and creativity, allowing us the freedom and flexibility to provide products and solutions which are truly in the interest of our clients, not the companies who provide them.

The NFP Advantage

As a subsidiary of National Financial Partners Corp. (NFP), we are members of a financials services network of more than 300 firms. These companies are recognized leaders in the fields of estate planning, corporate benefits, and financial planning and have chosen to become part of NFP, aligning themselves with a name that denotes the highest standards of service, professionalism, and success in the industry.

The collective synergy of intellectual capital, resources and purchasing power allows NFP Companies to provide clients with the products and services available only to the largest financial services institutions, while maintaining the client-oriented focus of a boutique advisory firm. NFP brings together the industry’s leading insurance, investment, and benefits firms to form a powerful, national company with access to a broad portfolio of financial products and services. NFP’s resources provide firms such as ours with the capabilities to anticipate and serve the diverse needs of a highly discerning client base.

PROCESS

Our job is to ask tough questions, design creative solutions, coordinate planning resources, obtain financial instruments and manage performance results for clients. Our work covers three phases.

1. Development Phase

In the Development Phase our local and national design teams work together with a client’s decision-making team to gather data, isolate and quantify potential problems, and explore solution options. This effort combines the experienced staff of “NFP-FDR Financial Group” with a diverse range of advisory specialists and product resources and NFP’s national resources, including…

• Plan design specialists
• Product and product source analysts*
• Legal and accounting specialists*
• Investment analysts and asset managers*
• Corporate and private banking specialists
• Actuarial experts
• Trust services providers
• Insurance product providers

These services are offered by are offered by the professionals of NFP-FDR Financial Group on a complimentary basis.

2. Implementation Phase

Once our development team recommends solution alternatives, we perform a final analysis on the financial products that fit the plan parameters. Meanwhile, we coordinate with the client’s legal and financial advisors to complete documentation of the plan and define the administration procedures for the next phase.

3. Management Phase

Once decision consensus has been reached, the plan moves into the Management phase. That’s when we secure the necessary service agreements to monitor the results of the plan and respond to ongoing needs. We want you to feel assured that we sit on your side of the table for the long term.

The Decision Process begins with the right questions.

• Corporate Contingency Strategies
• Employee Benefits Strategies
• Retirement Plan Strategies
• Executive Benefits Strategies
• Corporate Lifetime Settlements*
• Family Business Strategies
• Personal Financial Strategies
• Individual Lifetime Settlements*
• Legacy Planning Strategies

With its back-office support, NFP-FDR Financial Group provides complimentary services for its clients, including periodic portfolio and needs analysis and reviews, audits of policies, creation and distribution of proprietary client statements, and support with required minimum distributions.

*In a Life settlement transaction the seller receives a lump sum payment from the purchaser of a life settlement–typically for more than the policy’s cash surrender value but less than the net death benefit. As opposed to life insurance surrenders, they may take weeks or longer to complete.

Please note that the number of bidders for a policy may be limited; proceeds from sales of similar policies may vary and may be subject to claims of creditors. Receipt of proceeds may impact eligibility for government benefits and entitlements. Prior to sale, the insured should consider the continued need for coverage, impact to estate plans, availability of insurance, cost of comparable coverage, and tax implications. There may be high fees associated with the sale of a life settlement and your personal medical information may be disclosed to 3rd parties. Please consult an appropriate professional regarding your individual circumstances.