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It?s common in today?s society for individuals and families to be concerned with their financial security. Current cash flow, debt reduction, the prospects of retirement, the possibility of outliving those funds, and much more all equate to common concerns of most Americans today. ?Many people may not allocate the extra money to pay for the sometimes high fees of the traditional financial planner. When the truth is, this type of assistance and education needs to be available to everyone,? says President, Shane Squibb CFP?.

Financial Action, founded in 2004, is targeting those clients stuck in this financial limbo. ?We are targeting clients who are interested in their financial well being, but are not interested in paying the prices that may accompany that,? says Squibb. ?We want to serve those middle-class Americans who really need the most help.?

For a minimal yearly subscription fee, Financial Action clients have access to full-service financial planning and investment advice. Squibb, however, touts his services as financial coaching and life planning. ?If a client comes to us and says they?ve decided to do X, whether it?s buy a new car or a bigger house, we?re not going to ridicule or negate that decision. We?re going to help them work to achieve that goal while still maintaining their long-term objectives. People make decisions. We help them deal with those decisions and that decision?s ramifications.?

Another quandary in the financial world is that the average working American can?t afford, and doesn?t even want, to take a day off work in order to meet with his advisor every time something changes with his finances. In response, Financial Action has designed its business so that nearly all client contact happens either over the phone or via the Internet.

For example, the company?s secure website features numerous calculators that allow for example: clients to quickly determine how much of a house they can afford, whether they?re better off to buy or lease a car, and even how much life insurance they should have. In addition, Financial Action?s advisors frequently schedule evening and weekend phone appointments. ?It?s a very busy world these days,? says Squibb. ?And we want to do business the way clients want to do business. And that?s on their schedule, not ours.?

Squibb also points out that Financial Action?s no-commission fee structure allows clients to feel comfortable with the advice they receive. ?We?re not trying to sell them anything on the back end,? he says. ?If they need life insurance, we?ll guide them through the shopping process, but we won?t make any additional money from the transaction.?

As people think about their retirement years, they want to ensure they will have enough money to maintain a comfortable and happy quality of life. Investors Edge, which is an interactive program, offered by Financial Action, helps ensure clients can reach that goal. Investors Edge advisors assist clients through the fund selection process and offer non-biased advice on how to effectively and efficiently choose an investment allocation for their 401(k), Simple IRA, or other employer sponsored retirement plan. This allows clients to make more educated and informed decisions about their retirement plan and investment choices. This assistance has proven to be of such value that employers have begun to offer Financial Action's services as an employee benefit. This also allows them to comply with the new Pension Protection Act of 2006,which went into legislation in late August. The new act urges employers to provide investment advisory services to their employees and Financial Action has found a solution for that. "There are so many available fund options today in employer sponsored retirement plans. We developed this program to offer a different avenue for employees to inform and educate themselves on the funds that they have available through their retirement plan,? says Squibb. ?It?s always good to have someone in your corner coaching you, it gives you piece of mind and lets you know you?re not alone; that?s exactly what our advisors do.?

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