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<strong>October</strong> <strong>2018</strong> <strong>Ashland</strong> Local Town Pages www.localtownpages.com Page 7<br />

PlanDynamic: A Dynamic Future<br />

Requires a Financial Plan<br />

By Jane Lebak<br />

Paying for college. Retiring.<br />

Caring for aging parents. Frugality,<br />

sacrifice, and patience aren’t<br />

enough. These goals require a<br />

flexible plan.<br />

“PlanDynamic helps real<br />

people in real-life situations in<br />

real-time,” says Glenn Brown,<br />

owner of PlanDynamic, LLC.<br />

“Whether you’re starting out,<br />

nearing retirement, or 10 years<br />

into retirement, it’s important to<br />

have direction on all financial aspects,<br />

not just investments.”<br />

Brown, a Certified Financial<br />

Planner (CFP) and a Chartered<br />

Retirement Planning Counselor,<br />

believes financial planning works<br />

best when clients are involved and<br />

not compromised. He created<br />

PlanDynamic as a fee-only fiduciary.<br />

“I don’t collect commissions<br />

or get kickbacks for referrals. This<br />

allows me to recommend what’s<br />

best for the client and help see<br />

them through.”’<br />

Flexibility is the key. “My<br />

parents would save money for a<br />

year, then consult a stockbroker<br />

for $300. They’d buy his recommended<br />

stock and lock the certificate<br />

in a safety deposit box.<br />

Then what?” Brown shakes his<br />

head. “When I started nearly<br />

25 years ago, only private clients<br />

paid for financial plans. These<br />

thick three-ring binders would<br />

vanish into a desk drawer. Not<br />

flexible or dynamic.”<br />

By contrast, PlanDynamic focuses<br />

on education, access, and<br />

accountability partnership.<br />

Cutting-edge technology allows<br />

Brown to provide flexibility<br />

and transparency. Using video<br />

conferencing, online scheduling,<br />

and a secure web portal, clients<br />

can consult with Brown or interact<br />

directly with their overall<br />

financial picture, including<br />

goal-tracking.<br />

Brown stresses the goal-tracking.<br />

“Our onboarding process<br />

includes a Needs Analysis. A<br />

person with a dozen goals feels<br />

too overwhelmed to accomplish<br />

anything, so I work with clients to<br />

choose three. I break down goals<br />

into tasks, and we agree on due<br />

dates. Each of us can monitor<br />

and update progress. If a deadline<br />

passes, that’s when I become<br />

their accountability partner to<br />

help them reassess.”<br />

More often, though, the clients<br />

achieve their goal. They celebrate…then<br />

create a new one.<br />

There are different ways to<br />

work with PlanDynamic for<br />

planning, investing, or both.<br />

One way is the Advisory subscription<br />

model. “For the cost<br />

of some cable/phone plans, clients<br />

pay a flat monthly fee to get<br />

ongoing financial planning and<br />

personal guidance when they<br />

need it.”<br />

This means PlanDynamic’s<br />

clients can keep their investments<br />

elsewhere and still have an ongoing<br />

relationship with a CFP, or<br />

maybe have no investments at all.<br />

“I’m able to help a young family<br />

as they save for a house or small<br />

business owners who may need<br />

all their money available and not<br />

in the market.”<br />

It’s the ultimate in hands-on<br />

financial planning. “Clients interact<br />

with their plan rather than<br />

filing it away,” says Brown. “We<br />

fix issues while they’re small, and<br />

everyone appreciates seeing real-time<br />

progress.”<br />

When questions arise, clients<br />

call or use the calendar software<br />

to book a video conference or<br />

a meeting at Brown’s Framingham<br />

office. “Technology makes<br />

it easy for busy people,” Brown<br />

says. “We can meet virtually to<br />

save time. And if you’re sitting<br />

back on your laptop, deciding<br />

how to invest your IRA while<br />

you’ve got your toes in the sand,<br />

even better!”<br />

As a person’s circumstances<br />

change, so do goals. A key to financial<br />

independence is anticipating<br />

bends in the road and<br />

navigating opportunities with<br />

PLUMBING • AIR CONDITIONING • HEATING<br />

Residential and Commercial<br />

FREE<br />

Estimates<br />

Licensed &<br />

Insured<br />

Built on real-life experience, Glenn Brown’s PlanDynamic helps clients, especially Sandwichers, develop a<br />

flexible plan for the future.<br />

confidence. For this reason, the<br />

clients who benefit most are<br />

“Sandwichers.” Brown explains,<br />

“Sandwichers are people in the<br />

middle, challenged by raising kids<br />

while also caring for their aging<br />

parents.”<br />

Sandwichers are under<br />

unique financial stress, simultaneously<br />

saving for retirement<br />

and college, strapped for time,<br />

and mindful of their parents’<br />

continued independence. Brown<br />

is a Sandwicher himself. “These<br />

financial conversations need to<br />

be multigenerational. I encourage<br />

open lines of communication<br />

by removing pride, fear,<br />

and judgement. We can only<br />

meet our goals when we identify<br />

our needs and acknowledge our<br />

challenges.”<br />

JOYCE<br />

508-497-6344<br />

joyceplumbingandheating.com<br />

Hence the firm’s slogan,<br />

“Evolve Your Financial Independence”.<br />

“Some boast about how little<br />

they spend and how much they<br />

can invest to retire in their thirties.<br />

It’s great discipline, but it’s<br />

static. They’re typically young,<br />

healthy, and single. What if you<br />

start a family? Become ill? What<br />

if a parent needs care? When<br />

Matt Gamache<br />

Realtor<br />

Serving <strong>Ashland</strong> for over 10 years<br />

the unexpected happens, can<br />

you evolve to bring along those<br />

closest to you?”<br />

If you have a dynamic plan,<br />

the answer is yes.<br />

Those interested in a complimentary<br />

Discovery Meeting<br />

should contact PlanDynamic,<br />

LLC at www.plandynamic.com<br />

or call (508) 834-7733.<br />

Call for a market analysis<br />

508.561.2757<br />

www.MattGamache.com

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