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.  We focus on helping each client understand their own investment needs, risk tolerance, and comfort level. We help "Main Street" navigate Wall Street.  

We provide what most clients say they are looking for:

  • Performance Reporting
  • Monthly Newsletter
  • Investment Advice on Self-directed Assets
  • Frequent Communication and Meetings
  • 24/7 Monitoring of All Assets - Holistic Care for Your Money
  • *Income Tax Planning and Tax Minimization Strategies

As a client with Chernofsky Financial, 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 the management of your account.  

You will participate as an informed partner in your financial planning and management, rather than as an outside observer, and will be able to relax while leaving the day to day management of your accounts up to us.  

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 in a managed account. 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 essential in achieving 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.  

*Although we are not tax professionals, we are able to provide helpful information about taxes.

You may request an appointment by calling 1.800.616.9489.

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Calculators

Savings Accumulation

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Cost of Retirement

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

Impact of Inflation

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Long-Term Care Self Insurance

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Newsletters

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

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.

Tracking the Rise of Target-Date Funds

Investments in target-date funds have grown during the last decade. They are often the default choice in employer-sponsored retirement plans and viewed favorably by some investors for their helpful approach to asset allocation. This article explains the advantages and disadvantages of these funds and cautions potential investors about several common misconceptions.

The Dynamics That Can Drive Inflation

High unemployment and slow wage growth seem to have kept consumer spending and core inflation from growing very rapidly in the first half of 2011. This article reminds investors to keep the potential risk of inflation in mind, because even modest price increases compounded over time can erode the purchasing power of the assets in their portfolios.

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