Financial Education and Planning

 Wealth Planning, Insurance, InvestmentsWealth WWWHY CHOOSE US?   Chernofsky Financial follows a strict fiduciary standard of care and code of ethics, always putting our clients' needs ahead of our own interests.    

As our client, you will always be informed in advance about fees, material facts about investment choices, reasons for our recommendations, and disclosure of all other details related to your account management.  

You will participate as an informed partner in your financial planning and management, rather than as an outside observer.  

We are a fee-based, fiduciary, independent Registered Investment Advisor, providing financial planning and management of our clients' investment portfolios for a fee, based on a percentage of the value of the portfolio. 

We do not earn commissions for investment recommendations. Also, we neither give, nor receive, any type of compensation for referrals to or from other professionals.

Our management fee is tied directly to the value of your account so you are assured that our ongoing motivation is the same as yours -  to protect and increase the value of your assets. 

Chernofsky Financial is an independent firm.  We do not have a vested interest in any investment products, other companies, or services.  We are not required to sell anyone's prepackaged or proprietary investment or insurance product, nor is there any requirement to meet weekly or monthly quotas.  We select the best research resources and investment opportunities available for use in the management of your portfolio, and provide active management to make sure we stay on track.  

Diana Chernofsky is an Independent Investment Adviser Representative of Chernofsky Financial, Registered Investment Advisor, who takes pride in offering personalized portfolio management services with a fair fee structure.  She believes this is crucial to the goal of developing long-term client relationships based on client education, candid advice, openness, and mutual benefit.

The underlying philosophy of Chernofsky Financial is to identify sensible investment opportunities that meet the needs of our clients.  In addition, Chernofsky Financial believes in educating its investors through frequent newsletters, website tools, and ongoing discussions about the merits of various investments. 

Chernofsky Financial uses various methods of analysis in researching its investments and believes in the importance of looking at all aspects including technical and fundamental data.

To get started, Diana Chernofsky provides a complimentary no-obligation discussion about your current portfolio and goals, essential in being able to determine whether or not our methods and programs meet your needs.  

You may request an appointment by calling 1.800.616.9489.

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Calculators

Savings Accumulation

Estimate the future value of your current savings.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

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Newsletters

For Better, For Worse: Communicating About Retirement

A recent study indicates that couples are not communicating clearly about retirement goals and strategies, even as they approach retirement age. This article offers suggestions to open a dialogue and encourages couples to discuss their retirement needs and desires with each other and with their financial advisor.

Help an Inheritance Help You

When Americans were asked what they would do with a large inheritance, 48% said they would save it; only 8% said they would spend it on things they've always wanted. Could the Great Recession be changing attitudes about money? There are some options to consider for those who expect to receive, or have already received, an inheritance.

Finding a Good Time to Invest

When a prominent stock market index closes above an important threshold, many investors who have been sitting on the sidelines may see it as good time to invest, but they may have missed a significant part of the rally. Waiting for the "right" moment to invest could prove to be a costly and ineffective strategy.

Tax Law Keeps S Corporations Attractive

S corporations are more common than C corporations and partnerships, perhaps because they are not subject to the corporate tax. Instead, profits and losses flow directly to shareholders, who are currently taxed at lower individual income tax rates. Read why reorganizing as an S corporation may be a smart move.

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