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Background

Our Philosophy and Process

Financial Concepts Unlimited LLC (FCU) is a premium financial services organization, dedicated to helping you achieve your highest dreams, goals, and values.

Financial Concepts Unlimited is completely independent. We have no biases towards any particular product or insurance company, and our recommendations are given solely with your best interests in mind. That fact provides an atmosphere for building client/advisor relationships that last a lifetime.

The foundation and philosophy that Financial Concepts is based upon is that every client is an individual different from every other. Each person has their own values and it is these values that are what is most important.

The monetary aspect of financial planning is obviously important, but it is secondary when compared against the importance of a clients’ values and goals. If you could achieve everything you want in life without any money at all, you’d be very happy and satisfied. However, if you had all the money in the world, and couldn’t have any of the values that are most important to you, it would be a totally different story. The money is just a vehicle to get you to where you want to go. Where a client wants to go, is to achieve their most important values and goals.

When we sit down with a client for the first time, we talk about what is important to them. If you’re a business owner, you may want to make sure your business, or its’ value, gets passed down to your family as efficiently as possible. If you’re a parent, you may want to make sure your child has the ability to take advantage of as many opportunities as possible. Your most important value or goal may be to retire not only with dignity, but in a lifestyle of your own choosing.

That is what Financial Concepts Unlimited LLC is all about. We help you achieve your dreams. We communicate with you on a personal basis. We care about you, your feelings, and your life. We talk about what you’re comfortable with and as importantly, what you’re not comfortable with.

It is only after we feel we know you as a person do we delve into your finances on a detailed basis.

Since FCU feels so strongly that each individual is different from every other, we never go into an initial meeting with a preconceived notion of what to recommend. Therefore, once the initial meeting has taken place, that is the time for FCU to do a complete analysis of all the areas that may effect what you consider to be important.

Once we meet again, we’ll go over the analysis in detail. We’ll tell you where you’ll end up in regards to your goals if your savings and spending patterns stay the same, we’ll tell you what you have to do to achieve your goals, and we’ll explain many other aspects of your financial future to you.

FCU will take the time to educate you. Financial Concepts Unlimited LLC feels that a relationship with a client that understands the steps that are being taken, will be a lasting relationship.

Becoming a client of FCU is only a beginning. It is the beginning of a journey based upon communication, trust and service. We’ll be there when you have questions, we’ll be there for reviews to show you whether you are on track to achieve your dreams and if not, what you need to do to get on track. We’re there for the important changes in your life.

Our Tools

Communication is a key aspect to any successful relationship, and that holds true in an Advisor/Client relationship too. Between in-person meetings, mailings, and talking via phone, we endeavor to always stay in touch with you, our client.

However, there is still a world of technology out there that can and should be taken advantage of to raise the level of the financial planning experience.* Financial Concepts Unlimited LLC does just that.

We provide access to one of the largest databases of open-ended mutual funds and variable annuity sub-accounts. Because we’re completely independent and have no biases towards any particular investment or insurance company, we have created our own filtering systems with only your own best interests in mind. The database we use for quoting term life insurance is also one of the largest in the world. We make use of multiple insurance brokerage companies to find what is best for you regarding permanent insurance.

Our analysis of your financial situation is extremely advanced and presented to you in a finished binder that you can take home.*

We track all brokerage portfolios on-line, and can arrange for you to be able to track your own brokerage account on-line also.

When creating a client portfolio, we take advantage of what we consider to be the best asset allocation tools available.

During our periodic review process, FCU generates customized reports, detailing account holdings, all transactions, asset performance, account performance, portfolio performance, asset allocation charts, and many other important areas of interest. These same reports can be emailed to you, in PDF format, on demand.

As you can see, Financial Concepts Unlimited LLC endeavors to always stay ahead of the curve regarding technology and making it work for you.

I hope you’ve benefited from learning about the philosophies and processes of Financial Concepts Unlimited LLC. If you have any questions or comments, please feel free to contact us. Our contact information is at the bottom of this page, and the link to email us is on the left. If you are long distance and wish to call, please use our toll free number – 888-707-8376.

We appreciate the time you’ve spent with us. Thank you.

David S. Chorney