A legal disclaimer
Terms & Conditions - the basics
Advisory
Compensation
Policies
Compensation on Insurance Products
Our compensation on insurance products, which includes annuities, life, disability, and long-term care insurance, comes in the form of commissions paid to us directly from the insurance companies whose products you choose.
We do not receive any compensation for referring you to our network of other professionals.
Our recommendations for specific companies, products, or professionals are based on the trust we have in them and our experience in using them for our own personal planning.
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Compensation on Investment Advisory
We partner with portfolio managers to provide clients with investment advisory services. We receive a portion of the fee you pay them for the management of your portfolio – nothing else. Ever.
We are fiduciaries. So regardless of the portfolio manager you choose, we receive clearly defined compensation that you know about upfront.
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Investment advisory services offered exclusively by Investment Advisor Representatives of Hornor, Townsend, & Kent, LLC. Please refer to the advisor's Form ADV Part 2b or the applicable Form CRS for complete details.
Planning Fees
At Caserta & DeJongh, we believe in transparency and value. Our planning fees reflect the time, care, and personalized attention we dedicate to each client. Whether you're seeking a one-time financial plan or ongoing support, we tailor our services—and pricing—to match your needs. During our initial consultation, we will walk you through our fee structure and help you understand exactly what’s included, so you can feel confident in every step of your financial journey.
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Listed below are the modules we use to determine the fees of the planning process.
Budgeting and/or Cash Flow Analysis
Through meticulous assessment of your income, expenses, and overall financial inflows and outflows, we create a comprehensive budget or cash flow analysis. This process allows us to identify potential savings, optimize spending, and set realistic financial goals tailored to your unique circumstances, ensuring a solid foundation for your financial success.
Education Planning
By carefully analyzing your financial situation and aspirations, we help develop a strategic education funding plan. This includes evaluating various savings vehicles, tax-efficient strategies, and investment options to ensure that you can meet the costs of education for yourself, your children, or other dependents without compromising your long-term financial objectives
Estate Planning
Estate planning is crucial for preserving your wealth and efficiently transferring assets to your heirs. We work closely with you to develop a personalized estate strategy, considering methods to minimize tax implications, protect your assets using various insurances, and ensure your wishes are carried out according to your specifications. This involves collaboration with legal professionals who can assist in the creation of necessary documents such as wills and trusts.
Portfolio
Review & Analysis
Regularly reviewing and analyzing your investment portfolio is essential for adapting to market changes and aligning your investments with your financial goals. As your advisors, we assess the performance, risk, and diversification of your portfolio, making strategic adjustments to optimize returns and manage risk in accordance with your overall financial plan.
Retirement Income Planning
Retirement income planning is about ensuring a comfortable and sustainable lifestyle during your retirement years. Leveraging our expertise, we help you estimate your retirement needs, evaluate potential income sources, and design a comprehensive plan that combines pensions, Social Security, investments, and other assets to create a reliable income stream throughout your retirement.