About My Practice
Financial planning is both art and science. The technical skills I use in this area - the science of financial planning - include cash flow analysis (budgeting); debt management decisions; investment management; income strategies; and, ultimately, estate planning strategies. The art of financial planning begins with listening and communication - a discovery process between the client and the planner, to identify each client's individual goals and aspirations.
Since no two clients are alike, no two financial plans are alike. The plan drives the process, and the plan is undertaken only after I have a thorough understanding of your financial situation as it is now; your goals, and your risk tolerance. We also address any particular concerns you may have. These often include, "Do I have enough money to live on?", "How can I get out of debt?", "Should I sell my house and downsize?" and many others.
Once a plan is written, it needs implementation. If your plan calls for investment management or insurance placement, it would be my hope that you'd do that work with me. Often the services of an attorney (for trust or estate work) and accountant may be needed. If you have other trusted advisers with whom you would like to continue working, that is fine too.
Entering the profession of financial planning was a mid-life transition for me, coming from retail management. I originally began in 1998 with an insurance license and an MBA, and then soon after secured securities licenses. In November of 2005 I passed the CFP exam, and became certified as a financial planner shortly thereafter.
I have been committed to the profession and its disciplines ever since. I am an active member of the Miami chapter of the Financial Planning Association, and am currently a Board member in charge of membership and networking with other related professionals. Prospective clients are most welcome to visit my website at www.financialsouthflorida.com
Registrations, Licenses, Certifications & Affiliations
Securities Registrations or Exam Qualifications
Series 7, 24, 63
Life insurance: Florida, Health/disability insurance: Florida, Fixed annuities: Florida, Variable annuities: Florida
Designations & Certifications
- CERTIFIED FINANCIAL PLANNER™ (CFP®)
Equity Services, Inc.
Glenn J. Downing is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. Securities and investment advisory services are offered solely by Equity Services, Inc., Member FINRA/SIPC, 13450 W. Sunrise Blvd., Suite 170, Sunrise, FL 33323 (954) 615-1980. TC74641(0613)P
I will provide a free initial consultation to prospective clients so we may determine if their needs and my practice are well-matched.