FAQ
Frequently Asked Questions
We get it, financial planning can be overwhelming. We are focused on your future, and helping you build your financial confidence one step at a time.
Check out our frequently asked questions to assist you on your journey to financial confidence!
What is financial planning?
Financial planning, put simply, is working with a professional to build your best financial health.
Think of financial planning as a road trip. First, you need to know where you want to go, right? Your financial goals are like your destination. Maybe you want to save for college, buy a car, or have enough money for a comfortable retirement. Your financial planner will help you figure out what you want to achieve and create a plan to get there.
But it doesn't end there. Financial planning is an ongoing process. Just like a road trip, you need to keep checking the map and making sure you're on the right track. The financial planner will regularly review your plan and make adjustments as needed. They will also be there to answer any questions you have along the way.
Financial planning is a valuable tool that can help you make informed decisions about your money and work towards your financial goals. Working with a financial professional, such as those at Malecki Financial Group, can provide guidance and support to build a stronger financial future.
If you want to learn more about financial planning and how it can benefit you, reach out to our financial professionals at (732) 248-9400, email us at Contact@MaleckiFinancialGroup.com, or explore our resources to help expand your knowledge.
Why do I need a financial planner?
Having a financial planner is like having a coach or a guide to help you make the best decisions about your money. They are professionals who are trained to understand your individual needs and goals and create a plan that is just right for you.
While you can learn some basics about managing money online, financial planners have special expertise and experience in the field. At Malecki Financial Group, our advisors have more than 40 years of combined experience. They know all the ins and outs of the financial industry and can help you navigate through it.
Our financial planners have a duty to put your best interests first. We follow a rule called the fiduciary standard, where we prioritize your well-being over making profits for ourselves. We care about your financial health and want to see you succeed.
Financial planners also go beyond just budgeting. They look at your past financial decisions, your current situation, and your future goals. They consider all the different options and courses of action available to you. They want to make sure you have a solid plan in place that will help you now and in the future.
To learn more about how we can help you achieve your financial goals, reach out to our office today at (732) 248-9400, email us at Contact@MaleckiFinancialGroup.com, or explore our resources online.
How do I know which advisor is right for me?
Here at Malecki Financial Group, we serve a wide range of clients across every life stage.
Stan J. Malecki, AIF® specializes in helping outdoor loving business owners prepare their exit and retirement plans.
Eric Stiles, CFP® specializes in helping affluent young families with full financial plans, asset management, and college savings planning.
If there are specific services you are interested in for your individual financial plan, check out our Services Overview and explore our offerings. Within each service page there is a specific advisor listed that excels in that specific field. Visit Stan & Eric’s individual pages to learn more about how they can best serve you today.
Still have questions? Call the office at (732) 248-9400 or email us at Contact@MaleckiFinancialGroup.com.
How are you compensated?
The cost of financial planning varies from service to service, and advisor to advisor.
Here at Malecki Financial Group, you can expect…
To work with Stan, visit his page HERE.
To work with Eric, visit his page HERE.
Still have questions? Call the office at (732) 248-9400 or email us at Contact@MaleckiFinancialGroup.com.
If you are ready to set up a meeting with your financial professional, please reach out to our scheduling coordinator, Kara McClean. Kara’s phone number is (732) 248-9400 x2001, and her email address is Malecki.Scheduling@Gmail.com.
How do I get started?
We are so excited to begin working with you on your financial journey!
To begin the financial planning process, please reach out to our scheduling coordinator, Kara McClean.
Kara’s phone number is (732) 248-9400 x2001, and her email address is Malecki.Scheduling@Gmail.com. Please be prepared to provide your contact information, as well as which advisor you would like to set up a meeting with.
Not sure which advisor is right for you? See our FAQ response for “How do I know which advisor is right for me?”
Can you...?
Want to know if we offer a specific service you may need?
You can find information about our primary services by visiting the "Our Services" section on our website. We cover many financial planning resources, such as college planning to asset management.
Can’t quite find what you were looking for online? Reach out to the office today! Call our main office number at (732) 248-9400 or email us at Contact@MaleckiFinancialGroup.com, and we would be happy to answer any specific services questions you may have.
If we do not currently offer the specific service you need, we are happy to offer recommendations or referrals to trusted professionals or businesses in our network who may be able to assist you. Our goal is to help you find the resources you require, even if it's not directly through our services.
What questions should I ask my financial advisor?
1. What are your qualifications and experience as a financial advisor?
This question is crucial to understand the expertise and background of your financial advisor. It helps you gauge their knowledge, credentials, and the years of experience they have in the financial industry. Look for certifications such as Certified Financial Planner (CFP), Accredited Investment Fiduciary (AIF), or relevant licenses to ensure they have the necessary qualifications.
2. What is your investment philosophy and approach?
Every financial advisor may have a different investment philosophy and approach to managing your money. Ask about their investment strategies, risk tolerance, and how they align with your financial goals. This question will help you assess whether their approach matches your preferences and risk appetite.
3. How do you stay updated on market trends and changes in the financial industry?
The financial landscape is constantly evolving, and it's vital for your advisor to stay up-to-date with the latest trends and changes in the industry. Ask how they stay informed and whether they engage in ongoing professional development. A good financial advisor should be knowledgeable and proactive in adapting to market changes.
4. How do you personalize your financial advice to fit my specific needs and goals?
Understanding how your financial advisor tailors their advice to your unique circumstances is crucial. Inquire about their process for assessing your financial situation, goals, risk tolerance, and any other factors they consider when creating a personalized financial plan for you.
5. How often will we meet to review and adjust my financial plan?
Regular communication and monitoring of your financial plan are essential. Ask your advisor about their preferred frequency and format for meetings or reviews. It's important to establish expectations regarding how often you will connect to discuss your progress, reassess goals, and make any necessary adjustments.
Ready to schedule a meeting with your financial advisor? Contact our scheduling coordinator, Kara McClean at (732) 248-9400 x2001 or Malecki.Scheduling@Gmail.com.