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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 />
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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