Building your Wealth
Do you have a financial Plan?
- When you have a financial plan, it is easier to make financial decisions and stay on track to meet your goals.
- In order to develop a solid financial strategy, it is important to examine your current situation, discuss and establish financial objectives, and monitor your progress.
- From start to finish, we will take you through the financial planning process to help you achieve your financial goals for you and your loved ones.
About Us
Our company:
What really matters:
What really matters:
- JC Financial Planning & Investments LLC is located in Long Beach, California. We offer Financial Planning & Investment Management services to individual clients and small businesses.
- We are a Registered Investment Advisor (RIA) certified by the State of California. We have a fiduciary duty to act in your best interest.
- As an independent, fee-only advisor, we provide objective financial advice tailored to your specific situation.
- All client assets we manage are held with Fidelity Investments.
What really matters:
What really matters:
What really matters:
- At our firm we recognize that before we start working on your Financial Plan or provide investment advice, we need to thoroughly listen to you in order to understand your needs, goal and dreams.
- Rest assured, the confidentiality and security of your personal and financial information is a matter of the highest priority to us.
- We want to earn your trust by being reliable, consistent and accessible and we aspire nothing less than to make a meaningful contribution to your quality of life.
How we work:
What really matters:
How we work:
- We will search for and analyze the investment products which are best aligned with your investment strategy and risk tolerance.
- As a fee-only advisor, we get paid either by a fee based on the value of your portfolio, a fixed retainer fee or an hourly fee for specifically assigned projects. Our fees are highly competitive as we operate with low fixed costs - savings we pass on to our clients.
Background and Experience:
Juerg “George” Ciceri, CFP®, Managing Member
Juerg “George” Ciceri, CFP®, Managing Member
Juerg “George” Ciceri, CFP®, Managing Member
Juerg “George” Ciceri, CFP®, Managing Member
Juerg “George” Ciceri, CFP®, Managing Member
- After graduation from the Zurich Business School, I spent more than 15 years with Credit Suisse (now UBS), a global leader in the financial service industry. At Credit Suisse, I held various senior positions in Investment Banking and Wealth Management in Zurich, London, Tokyo and New York.
- In 1998, I was offered a partnership at Bank am Bellevue (now Bellevue Group), a financial boutique in Zurich, Switzerland, with focus on Asset Management and Consulting Services for private and institutional clients.
Juerg “George” Ciceri, CFP®, Managing Member
- In 2006, our family relocated to Long Beach, California. At that time, I decided to realize my dream and started my own firm. In the same year, I passed the exam to become a CERTIFIED FINANCIAL PLANNER® professional.
- If you cannot find me at work, I am probably coaching soccer at the local high-school.....
Our Value Proposition:
Focus on what we can control:
Focus on what we can control:
Focus on what we can control:
1. Ease of Mind
- Effective solutions for all your financial needs
- Guidance by experienced CFP® practitioner
- 24/7 access to your accounts on www.fidelity.com
2. Eliminate Negative Human Behavior
- Disciplined approach - no emotions in play
- Focus on long-term trends, not today's news headline
3. Professional Stewardship
- Highest ethical standards
- Emphasis on client education
4. Personalized Asset Allocation
- Diversification among different asset classes
- High quality and liquid investments
- Value based investment strategy
- Periodic rebalancing
5. Cost & Tax Efficiency
- Selection of low cost investment products
- Maximizing after tax returns
- Efficient tax reporting
- Very competitive fee schedule
How we build your portfolios:
Focus on what we can control:
Focus on what we can control:
Our Investment Process:
- Broad Asset Diversification & Value Based Strategy
- Use of cost & tax efficient ETFs
Asset Allocation is the primary determinant of a portfolio’s return. In 1986, Brinson, Hood and Beebower published the paper “Determination of Portfolio Performance” which concluded that an investor’s portfolio return is determined primarily by asset allocation and only marginally by security selection and/or market timing. To achieve a broad portfolio diversification, we select among many different Asset Classes.
We construct portfolios primarily using Exchange Traded Funds (ETFs). ETFs offer investors highly diversified asset class exposure that is transparent, liquid, low cost and tax efficient. Passive security selection means the use of an index based investment product to gain diversified exposure to a desired asset class. For larger portfolios, we may also use individual securities to build portfolios, primarily for equities and bonds. For certain segments of financial markets, active management may add value over time - in these segments we may also use Mutual Funds.
We follow a “value based” strategy that intends to overweight investments that look attractively valued on a relative and/or on an absolute basis.
Risk Tolerance:
Focus on what we can control:
Risk Tolerance:
Portfolio Implementation:
- First, we evaluate the risk tolerance for each client and based on the result, discuss the appropriate asset allocation. Once we agree on the investment strategy, we provide a detailed investment plan.
Monitoring/Rebalancing:
- Studies have shown that periodically rebalancing between asset classes can significantly reduce the overall risk (also called volatility) of your portfolio. For many investors, this means a smoother ride towards their financial goals. Our client portfolios are regularly reviewed to determine if rebalancing is needed.
Financial Planning & Investment Advice in Long Beach, CA
We provide the following services:
-> Financial Planning
- Comprehensive Financial and Retirement Plans
- Budget & Cash Flow Analysis
- Risk Tolerance Evaluation
- College Funding
- Consulting Services
-> Investment Management
- Customized Portfolio Construction
- Asset Allocation & Diversification
- Security Selection
- Monitoring & Rebalancing
- Quarterly Performance Reports
- Industry leading technology platform (Fidelity)
.