Bob Pajak

WORK HISTORY

EDUCATION

ABOUT BOB PAJAK

My practice focuses on serving charities, institutions, individuals, families and retirees. Families engage me for a full range of financial advice including cash flow and spending plans, purchase, planning and investing for retirement or education, retirement account rollovers, and estate planning. For qualified clients I provide financial planning on a hourly fee basis accepting no commissions.How I Do BusinessI take care to understand your needs and values. My process begins with an interview creating a personal values statement, I am not only interested in what is important about money to you, my client. Creating a personal values statement enables me to understand your values and align your values with your financial goals. During our initial meeting, we discuss what you want, what you expect to achieve and what you expect of me. I begin work only when we agree on the scope of work and the fee.As a Certified Financial Planner Practitioner ™, I completed a course of education, continuously update it, subscribe to a rigorous code of conduct, and have practiced in the field under supervision. I have been in private practice as a representative of First Affirmative Financial Network since August 2007, following a career in accounting & finance.I am paid only by my clients, so my advice is never biased by pressure to sell. As a fee only planner, I customarily do not sell any investment or insurance products. I help you buy only what you need, but I am not paid by a company for that. This frees me to make recommendations based solely on our best judgment of what is appropriate for you. I work for fees based on the value of assets under management or on an hourly basis, typically for planning or with smaller accounts.Specialties: Investments(Ethical & Sustainable Socially Responsible Impact), Taxes & Financial Planning for Management, Employees & Retirees of P&G/Gillette, Verizon, Lahey, Northern Trust, Harvey Industries and Fee Based Practice.