Jim Houghton, Wealth Management Advisor for Five Cities Financial, has built a successful fee-based planning team
with
a rather simple philosophy, we can tell you what you need to do, but we can’t make you do it. Jim and his team
design
individualized financial plans that provide you with flexibility and the opportunity to take action. Five Cities
Financial has thrived because of Jim’s run-through-the-wall mentality for his clients. He intrinsically doesn’t
want to
let them down. In most cases, that is telling clients what they need to hear rather than what they want to hear.
It’s
the number one reason why the work of Five Cities Financial is valued by people considering retirement and people
that
are retired.
Five Cities Financial starts by learning goals and dreams of the people that come to their office. Then, they run a
financial analysis of their current situation and design a plan to realize those goals and dreams. It’s an approach
that has resonated with business owners and executives who have little time for fodder.
Professional Designations:
Retirement Income Certified Professional (RICP)
While many financial professionals are experts at
wealth accumulation, there is an urgent demand for practical ways
to
structure effective retirement income plans. The risks clients face-economic and market uncertainty, inflation,
outliving available income, changes in social safety nets, and rapidly escalating healthcare costs-mean financial
professionals need all the latest thinking and techniques to serve their clients’ changing needs
Chartered Financial Consultant (ChFC®)
The Chartered Financial Consultant® (ChFC®) meets the advanced financial planning
needs of individuals,
professionals
and small business owners with in-depth coverage of the key financial planning disciplines, including insurance,
income
taxation, retirement planning, investments and estate planning.
Chartered Life Underwriter (CLU®)
The Chartered Life Underwriter® (CLU®) is the world's most respected designation of
insurance expertise by
providing
in-depth knowledge on the insurance needs of individuals, business owners and professional clients.
Chartered Advisor for Senior Living (CASL®)
More than 76 million baby boomers are quickly moving into retirement, and they need qualified retirement planning
and
income advice. Other designations provide a strong foundation for a broad range of financial planning concepts, but
only the CASL® designation delivers the rigor and specialized knowledge to be truly effective in
retirement
planning.