Financial Planning for those Nearing or in Retirement

Helping families take away the fear of spending money in retirement

Fee-Only

Fiduciary

Tax-Focused

Tax-focused financial advice from a CPA and CFP® Practitioner

The taxes you pay could be your largest expense over your lifetime. Shouldn’t you have a plan in place to reduce your lifetime tax bill? Our goal is to provide tax reduction strategies to help minimize your lifetime tax bill so you can keep more of your hard-earned money. Tax reduction strategies combined with ongoing financial planning can help you feel confident in your finances so you can live better lives.  

Dave’s background as a CPA and CFP® Professional gives him the unique ability to provide this tax-focused financial advice.

Flegal Financial Planning (FFP) is a fee-only, financial planning & investment management Registered Investment Advisor (RIA). FFP provides comprehensive financial planning, retirement planning, ongoing investment management and tax reduction strategies.  We meet with clients in 3 Cleveland locations (Westlake, Independence, and Beachwood), but also meet virtually.

We serve clients throughout Cleveland, Northeast Ohio and across the country.

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We help people answer questions like:

  • Am I overpaying my taxes?

  • Will I run out of money?

  • Am I invested appropriately for retirement?

  • How do my investment decisions affect my tax bill?

  • Should I convert my IRA to Roth? 

  • What should I do with my 401(k) when I retire?

  • When should I start social security?

  • Should I take the lump-sum or lifetime annuity payments for my pension?

  • Will I be okay?

Services

Investment Management

Having the right investments is important to your future success, but you don’t need to have a complex or expensive strategy to be successful.

Our investment philosophy is grounded in extensive research demonstrating that low-cost strategies can more effectively serve investors.

Retirement Planning

Helping people set and meeting long-term financial goals through retirement, income, and investment planning.

Most people don’t take advantage of the tax savings strategies that are available to them so they end up paying more taxes than they need to.

We will put a plan together to reduce your lifetime taxes and grow your wealth.

Tax Reduction Strategies

Tax Preparation

The best tax reduction strategies don’t mean anything if the information isn’t properly recorded on your tax return.

We offer tax preparation services to make sure it does.