Joel Isaacson & Co., Inc. Update - Financial Planners, Investment Advisors, Portfolio Managers

<body topmargin="0" leftmargin="0"> <font FACE="Arial" COLOR="#000000">Joel Isaacson & Co., Inc.</font><font size="3"> are financial planners, investment advisors, portfolio managers.  And we specialize in education planning, tax planning, divorce planning, asset management, investment planning, financial planning, key employee insurance, investment consulting, estate planning, risk management, and executive compensation plans. </font><font FACE="Arial" COLOR="#000000">Joel Isaacson & Co., Inc. </font><font size="3"> may be able to help you with: financial planning, fee-based asset management, tax planning, retirement planning, risk management and estate planning.</font> <p><font size="2"><font FACE="Arial" COLOR="#000000">Joel Isaacson & Co., Inc.     516 Fifth Avenue     New York, NY 10036<br> Phone: 212-302-6300    </font>Fax: 212-302-6390 </font></p> <center> <div align="left"> <table border="0" cellpadding="5" cellspacing="0" width="465"> <tr> <td> <p align="center"><font face="Times New Roman" size="3">| <a href="f_links_copy(1).htm#Intro">Introduction</a> | <a href="f_links_copy(1).htm#Offer">What We Offer</a> | <a href="f_links_copy(1).htm#Process">The Financial Planning Process</a> | <a href="f_links_copy(1).htm#Objectives">Frequently Stated Financial Objectives</a> |</font> </td> </tr> <tr> <td> <p ALIGN="center"><font face="Times New Roman" size="3"><a name="Intro"></a></font><u><font size="3" face="Times New Roman"><b>Introduction</b></font> </u> </p> <p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">Joel Isaacson & Co., Inc. provides total financial services for its clients. The firm is dedicated to helping clients manage risk and investments, improve cash flow, reduce or defer income taxes, and preserve capital through estate and retirement planning.</font></p> <p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">Our philosophy is to deal with a client's total financial picture. Our firm coordinates the legal, investment, and tax advice provided by attorneys, stockbrokers and other specialists. Joel Isaacson & Co., Inc. plans, presents and suggests only those products that fit into the client's master plan. No investment products are sold to clients. Compensation is on a fee only basis, assuring complete objectivity and ultimately providing maximum efficiency at minimum cost.</font></p> <p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">Thank you for visiting our Web Site.</font> </td> </tr> <tr> <td height="10"> </td> </tr> <tr> <td><u> <p align="center"><font size="3" face="Times New Roman"><b><a name="Offer"></a>What We Offer</b></font></p> </u> <ol> <li><font size="3" face="Times New Roman">Investment Planning  Analysis of current investment portfolio to insure that the investment mix is consistent with the individuals overall objectives. Analysis of investments incorporating each individuals risk tolerance, present and future income needs, anticipated yields and tax implications. Specific asset allocations will be suggested to adjust the portfolio, as well as specific no-load mutual funds, (and money managers) if appropriate. We are registered as an investment advisor with the Securities and Exchange Commission.<br>    </font></li> <li><font size="3" face="Times New Roman">Cash Flow Management  Multi-year cash flow models are developed in which short and long term expenditures (tax payments, new residence, childrens education, retirement, etc.) are anticipated and appropriately funded. Our models are also used to analyze the flow of cash available to fund investment strategies<br>    </font></li> <li><font size="3" face="Times New Roman">Estate Planning  Development of an estate plan which considers both dispositive and tax-saving objectives. Review of wills and trust with planning recommendations.<br>    </font></li> <li><font size="3" face="Times New Roman">Tax Planning  Thorough review of all tax planning opportunities in order to proactively plan financial transactions to minimize current and future tax liabilities. We are also available as a special service to prepare all federal and state tax filings.<br>    </font></li> <li><font size="3" face="Times New Roman">Employee Benefit Coordination  A review of company provided benefits to seek methods to enhance their value to the executive and to coordinate these benefits with personal insurance, investment and tax planning. A fresh look at potential benefits not currently in use at the company.<br>    </font></li> <li><font size="3" face="Times New Roman">Insurance Planning  An analysis of current personal and employer-provided insurance coverage, as well as, a capital needs analysis to determine the optimal level of life and disability insurance. Analysis of property/casualty coverage including homeowners, auto and umbrella liability contracts.<br>    </font></li> <li><font size="3" face="Times New Roman">Retirement Planning  A review of current retirement plans to maximize accumulations while minimizing taxation on distributions. Analyses are performed to determine if the individual is "on track" for targeted financial independence goals.</font></li> </ol> </td> </tr> <tr> <td> <p align="center"><font face="Times New Roman" size="4"><u><a name="Process"></a>The Financial Planning Process</u></font></p> <p><font face="Times New Roman">A.  </font><u><font face="Times New Roman">Organization</font></u> </p> <ol> <li><font face="Times New Roman">Development of financial profile through review and organization of your personal financial documents.</font></li> <li><font face="Times New Roman">Working with your advisor network to establish an accurate and up-to-date data base.</font></li> </ol> <p> <font face="Times New Roman">B.  </font><u><font face="Times New Roman">Analysis</font></u> </p> <blockquote> <p><font face="Times New Roman">Application of a business planning approach to analyzing your personal finances. Development of your financial base case through preparation of a Cash Flow Statement, Income and Tax Statement and Statement of Net Worth. Scrutiny of your financial base case through financial ratios analysis, projection of your financial position over your chosen planing horizon, etc.</font></p> </blockquote> <font face="Times New Roman">C.  <u>Setting Objectives and Priorities</u></font> <blockquote> <p><font face="Times New Roman">Articulating and setting personal financial objectives and priorities which are realistic and attainable.</font></p> </blockquote> <p><font face="Times New Roman">D.  <u>Integration of Recommendations and Alternatives</u></font></p> <blockquote> <p><font face="Times New Roman">Coordinating the planning strategies and alternatives developed by your network of advisors.</font></p> </blockquote> <ol> <ol> <li><font face="Times New Roman">Identifying your planning opportunities and problem areas.</font></li> <li><font face="Times New Roman">Identifying your financial strengths and weaknesses.</font></li> </ol> </ol> <p><font face="Times New Roman">E. <u>Starting Action  Implementation of Your Financial Plan</u></font></p> <blockquote> <p><font face="Times New Roman">Start action: A financial plan is nothing more than a blueprint. Implement your plan in an effective and timely manner.</font></p> </blockquote> <ol> <ol> <li><font face="Times New Roman">Develop a list of your planning strategies in their order of priority.</font></li> <li><font face="Times New Roman">Set a target date for implementation of each strategy.</font></li> <li><font face="Times New Roman">Use your professional team to help you implement your personal financial plan.</font></li> </ol> </ol> </td> </tr> <tr> <td height="10"> </td> </tr> <tr> <td><u> <p align="center"><font size="3" face="Times New Roman"><b><a name="Objectives"></a>Frequently Stated Financial Objectives</b></font></p></u> <ul> <li><font size="3" face="Times New Roman">Financial Independence - to be less reliant on earned income</font></li> </ul> <ul> <li><font size="3" face="Times New Roman">Increase Real Wealth Through Effective Asset Management, to more than just keep up with inflation.</font></li> </ul> <ul> <li><font size="3" face="Times New Roman">Increase Current Income Through Restructuring of Assets.</font></li> </ul> <ul> <li><font size="3" face="Times New Roman">Resolve Cash Flow / Spending Problem</font></li> </ul> <ul> <li><font size="3" face="Times New Roman">Reduce Income Taxes</font></li> </ul> <ul> <li><font size="3" face="Times New Roman">Meet Childrens Education Expenses as Economically as Possible.</font></li> </ul> <ul> <li><font size="3" face="Times New Roman">Purchase a Residence / Vacation Retreat</font></li> </ul> <ul> <li><font size="3" face="Times New Roman">Maximum Utilization of Fringe Benefits</font></li> </ul> <ul> <li><font size="3" face="Times New Roman">Provide for Family in Case of Death, Disability or Illness</font></li> </ul> <ul> <li><font size="3" face="Times New Roman">Protect family Assets / Lifestyle from Casualty and Liability Losses</font></li> </ul> <ul> <li><font size="3" face="Times New Roman">Develop an Estate Plan for Maximum Conservation of Assets Through Minimization of Estate Taxes and Other Costs</font></li> </ul> <ul> <li><font size="3" face="Times New Roman">Adequate Estate Liquidity</font></li> </ul> <ul> <li><font size="3" face="Times New Roman">Provide Ease of Estate Management and Minimize Post-Mortem Aftermath</font></li> </ul> </td> </tr> <tr> <td height="20"> </td> </tr> </table> </div> </center> <table border="0" width="465" cellspacing="0" cellpadding="5"> <tr> <td width="100%"> <p ALIGN="JUSTIFY"><font face="Times New Roman">Our mission is to be the best company and the industry leader in identifying needs and providing solutions that significantly impact the achievement of our clients personal and business objectives. We are a company with a passion for our clients and our business.</font></p> <p ALIGN="JUSTIFY"><font face="Times New Roman">We have:</font></p> <b> <p ALIGN="JUSTIFY"><font face="Times New Roman">A PASSION FOR PEOPLE</font></p> </b> <ul> <li><font face="Times New Roman">For clients evidenced through committed, enthusiastic and impeccable service.</font></li> <li><font face="Times New Roman">For our Companys employees to make the experience of working at Joel Isaacson & Co., Inc. rewarding and fun.</font></li> </ul> <b> <p ALIGN="JUSTIFY"><font face="Times New Roman">A PASSION FOR GREAT IDEAS & CREATIVE SOLUTIONS</font></p> </b> <ul> <li><font face="Times New Roman">For clients personally designed financial plans to meet and exceed each clients unique requirements.</font></li> </ul> <b> <p ALIGN="JUSTIFY"><font face="Times New Roman">A PASSION FOR SUCCESS</font></p> </b> <ul> <li><font face="Times New Roman">For supporting clients in achieving and surpassing their objectives.</font></li> <li><font face="Times New Roman">For exceeding client expectations through flawless execution and a "can do/will do" attitude.</font></li> </ul> <p ALIGN="JUSTIFY"><font face="Times New Roman">Joel Isaacson & Co., Inc. was founded in May 1993. The three original professionals had worked together principally since 1985 and many of the clients have been with us since then. The firm is, a fee-only financial and tax planning firm, dedicated to the highest levels of wealth management and tax compliance services. The firm has been duly recognized through leading industry roles and unprecedented media coverage. We have been recognized as one of the Top Financial Advisory firms in America by WORTH Magazine.</font></p> <p ALIGN="JUSTIFY"><font face="Times New Roman">Our dedication is to individualize services. We work with you on a one to one to develop a strong understanding of your goals in life and come up with a plan for pursuing them.</font></p> <p ALIGN="JUSTIFY"><font face="Times New Roman">The financial planning process begins with a consultation to discuss your goals and concerns. In order to prioritize these concerns and develop an understanding of what is most important to you, we gather information about your current situation and pay close attention to your strengths and weaknesses. In the initial complementary consultation, we try to determine how we can help you. Our financial experts then help identify strategies necessary to achieve your goals and discuss them with you at a subsequent meeting.</font></p> <p ALIGN="JUSTIFY"><font face="Times New Roman">A challenging aspect of financial planning is adjusting to the periodic changes that occur in ones life as well as, the external forces of tax laws, interest rates, market conditions, etc. We determine how frequently we will meet to review your portfolio position and make sure you are on target to pursue your goals.</font></td> </tr> </table> <div align="left"> <table border="0" cellpadding="5" cellspacing="0" width="465"> <tr> <td></td> <td> <p ALIGN="JUSTIFY"><font size="3"><b>Joel Scott Isaacson, CPA, CFP</b>, who heads the firm, was educated at Lehigh University and Golden Gate University (San Francisco), and holds a B.S. degree in Accounting and an M.B.A. in Financial Planning.</font></p> <p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">Mr. Isaacson is former Chairman and former President of the New York Chapter of the International Association for Financial Planning; a former Chairman of the Personal Financial Planning Committee of the New York State Society of Certified Public Accountants; and an active member of the American Institute of Certified Public Accountants as well as the Estate Planning Council.</font></p> <p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">Mr. Isaacson is frequently quoted in numerous financial publications and appears on both radio and television. He was selected as one of Americas Best Financial Advisors by Worth Magazine for every year that the list has been published.</font></p> <p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">A teacher as well as a practitioner, Mr. Isaacson conducts financial planning seminars for the management groups of leading Fortune 500 firms and speaks regularly before numerous professional and trade organizations. He has taught financial and tax planning at New York University, The School in New York City, and Iona College in New Rochelle, New York.</font></p> <p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">Mr. Isaacsons philosophy is to deal with a clients total picture. He coordinates the legal investment and tax advice provided by stockbrokers, attorneys, accountants and other specialist. Joel Isaacson & Co., Inc. plans, presents and suggest only those products that fit into the clients master plan. No investment products are sold to clients. Compensation is on a fee-only basis, assuring complete objectivity and ultimately providing maximum efficiency at minimum cost.</font></td> </tr> <tr> <td></td> <td></td> </tr> <tr> <td></td> <td><font size="3" face="Times New Roman"><b>Martin Stein, JD, CPA, CFP</b>, principal of the Firm and the Tax Director, holds a Bachelors Degree in Accounting earned at Touro College and a law degree from Brooklyn Law School. Martin is also a graduate of the CFP program offered by the College for Financial Planning. Mr. Stein is admitted to practice as an attorney in the State of New York and is a member of various professional and civic organizations. A teacher as well as a practitioner, Martin has led in-house and outside seminars in the area of retirement planning. Mr. Stein is a member of the American Institute of Certified Public Accountants, and the New York State Society of Certified Public Accountants.</font></td> </tr> <tr> <td></td> <td></td> </tr> <tr> <td></td> <td> <p ALIGN="JUSTIFY"><font face="Times New Roman"><b><font size="3">Stanley L. Altmark,</font></b><font size="3"><b> CPA, CFP, PFS</b>, principal of the Firm, holds a Bachelors Degree in Accounting from Franklin and Marshall College, and a Certificate in Financial Planning from both Adelphi University and the College for Financial Planning. Mr. Altmark was selected as, one of Americas Best Financial Advisors by Worth Magazine for every year that the list has been published. He has recently appeared on numerous television broadcasts including Fox News Channel, CNN-FN, and the Wall Street Journal Report. Mr. Altmark has also been quoted in several financial publications discussing such topics as mutual fund investing strategies, asset allocation, life insurance and year-end planning tips. He has also been quoted in several financial publications. He has lectured extensively for corporate benefit groups and various professional organizations including the IAFP, ICFP and NYSSCPA.</font></font></p> <p><font face="Times New Roman" size="3">Mr. Altmark served on the Board of Directors of the International Association for Financial Planning - New York Chapter, and has been active in various capacities for the last nine years. He is a member of the American Institute of Certified Public Accountants, the New York State Society of Certified Public Accountants, and the National Association of Personal Financial Advisors. He is presently a member of the Personal Financial Planning Committee of the New York State Society.</font></td> </tr> <tr> <td></td> <td></td> </tr> <tr> <td></td> <td><b><font size="3" face="Times New Roman">Joyce Streithorst, CFP</font></b><font size="3" face="Times New Roman">, recently admitted as a shareholder and principal joined Joel Isaacson & Co., Inc. in 1993. Her primary focus is providing financial planning, tax and investment advisory services. Joyce has extensive experience counseling corporate executives and has overall responsibility for several of the firms corporate financial planning program relationships. Joyce lectures professional and business groups on estate and financial planning topics. Joyces educational background includes a Bachelors Degree in Business Administration earned at Adelphi University and is currently pursuing a Masters Degree in Financial Services presently with American College. Joyce is a Certified Financial Planner and a member of the International Association for Financial Planning.</font></td> </tr> <tr> <td></td> <td></td> </tr> <tr> <td></td> <td><b><font size="3" face="Times New Roman">Jennifer Prosperino, CPA, </font> </b><font size="3" face="Times New Roman">recently admitted as a shareholder and principal, joined Joel Isaacson & Co., Inc. in 1997. Her primary focus is providing financial planning, estate, retirement, tax and investment advisory services. Jennifer has extensive experience counseling corporate executives and professionals and has overall responsibility for several of the firms corporate financial planning relationships. Jennifer earned her Bachelors Degree in Accounting at Pace University. She is a Certified Public Accountant and a member of the American Institute of Certified Public Accountants.</font></td> </tr> </table> </div> <font FACE="Arial" COLOR="#000000">Joel Isaacson & Co., Inc.</font><font size="3"> are financial planners, investment advisors, portfolio managers.  And we specialize in education planning, tax planning, divorce planning, asset management, investment planning, financial planning, key employee insurance, investment consulting, estate planning, risk management, and executive compensation plans. </font><font FACE="Arial" COLOR="#000000">Joel Isaacson & Co., Inc. </font><font size="3"> may be able to help you with: financial planning, fee-based asset management, tax planning, retirement planning, risk management and estate planning.</font> <p><font size="2"><font FACE="Arial" COLOR="#000000">Joel Isaacson & Co., Inc.     516 Fifth Avenue     New York, NY 10036<br> Phone: 212-302-6300    </font>Fax: 212-302-6390 </font></p> <p><font size="3"><a href="f_account.htm">account</a> <a href="f_contact.htm">contact</a> <a href="f_databank.htm">databank</a> <a href="f_links.htm">links</a> <a href="f_news.htm">news</a> <a href="f_ourviews.htm">ourviews</a> <a href="f_portfolios.htm">portfolios</a> <a href="f_press.htm">press</a> <a href="f_whatwedo.htm">whatwedo</a> <a href="f_whoweare.htm">whoweare</a></font></p> <p> </p> </body>