Langer Wealth Management - Fee-Only Financial Planning and Investment Advisory Firm

<body topmargin="0" leftmargin="0"> <div align="left"> <table border="0" cellpadding="0" cellspacing="0" width="650"> <tr> <td width="100%"><font size="5" face="Arial" color="#008080"><b>OUR MISSION</b></font> <p><font size="3" face="Arial">Our mission is to be indispensable in helping our clients achieve financial peace of mind through uncompromising integrity, trust and personalized service.</font></p> <p><b><font face="Arial" color="#008080" size="4">WHO WE ARE</font></b></p> <p><font size="3" face="Arial">Langer Wealth Management, LLC was established in 1990 to satisfy the needs of clients for a practical, integrated approach to financial planning and investment management. We are Certified Financial Planners (CFP), and registered with the Securities and Exchange Commission and the North Carolina Division of Securities as Registered Investment Advisors.  We specialize in helping you make the right decisions so that you can achieve your financial goals now, and throughout retirement.  Our clients’ number one goal is to become, and/or remain financially independent.</font></p> <font size="3" face="Arial">Unlike most financial advisory firms, Langer Wealth Management is a FEE-ONLY firm.  This means that our financial advice is not tied to or influenced by sales commissions.  Therefore, no conflict of interest exists and we can remain completely objective and unbiased in the advice we give our clients.  Our only source of compensation is the fees paid to us by our clients and all our fees are fully disclosed.  Our aim is simple – to become your advisor and to help your needs, goals and objectives become a financial reality.</font> <p><b><font face="Arial" size="4" color="#008080">PROFESSIONAL BACKGROUND</font></b></p> <p><font size="3" face="Arial">For Peter Langer, helping people make the most of their financial assets is rewarding work. Peter enjoys guiding his clients as they implement the strategies that help them meet their financial and life goals. As president of Langer Wealth Management, LLC, Peter takes a comprehensive approach to wealth management.  He sees his role as helping people make well-informed decisions about their personal finances – providing them with greater financial independence, peace of mind and security.  With more than 15 years of experience in the financial services industry, Peter was the first, and still is the only fee-only Certified Financial Planner (CFP) in the Wilmington area.  As a Registered Investment Advisor, he has demonstrated a consistent ability to protect and grow the hard-earned assets of his clients, many of whom have experienced major life changes including retirement, divorce or the loss of a spouse.</font></p> <p><font size="3" face="Arial">Peter holds a B.A. degree from Rutgers University, where he graduated Phi Beta Kappa, and a M.A.L.D. degree from the Fletcher School of Law and Diplomacy at Tufts/Harvard. Formerly an international banking officer with Manufacturers Hanover Trust Company, he later received a position with the U.S. State Department and served as an advisor to a member of Congress prior to establishing Langer Wealth Management</font></p> <p><font size="3" face="Arial">Mr. Langer is an active member of the National Association of Personal Financial Advisors (NAPFA), the Financial Planning Association, the Wilmington Investors Roundtable and the New Hanover County Estate Planning Council.   When he’s not working, Peter enjoys traveling and tries to keep in shape playing tennis and working out at the Country Club of Landfall.</font></td> </tr> <tr> <td width="100%" height="70"> </td> </tr> </table> </div> <div align="center"> <center> <table border="0" cellpadding="0" cellspacing="0" width="450"> <tr> <td width="100%"> </td> </tr> <tr> <td width="100%"> <b><font face="Arial" color="#008080" size="4"><a name="whatwedo"></a>WHAT WE DO</font></b> <p><font size="3" face="Arial">Langer Wealth Management, LLC is a fee-only financial planning and investment advisory firm. We look at the big picture concerning your finances by integrating retirement and estate planning with investment management.  When you start working with our firm, we become your “personal chief financial officer,” offering the resources to coordinate all of your financial needs.</font></p> <p><font size="3" face="Arial">We assist you in quantifying your hopes and dreams and in determining your tolerance for various types of risk. Based on your input, we will design and implement an investment policy by constructing a diversified portfolio of no-load mutual funds that will meet your risk tolerance, time horizon, and specific investment goals. We consolidate all investments in a single account to simplify accounting and tax reporting.</font></p> <p><font size="3" face="Arial">By simplifying the money management process, our relationship should save you time, lessen paperwork, and reduce your need to process massive amounts of often contradictory and misleading information. The benefits are reduced stress, a feeling of financial security, and the comfort of knowing that an objective, unbiased professional is taking responsibility for preserving and growing your capital.</font></p> <p><font size="3" face="Arial">Our typical client is someone who is looking for the following services:</font></p> <ol> <li><font size="3" face="Arial">Investment analysis, portfolio development and asset allocation plan. They want to have a portfolio designed and managed for them that is appropriate for their risk level and will allow them to achieve their financial objectives.  By establishing an investment policy statement, we team with you to maintain the discipline needed for long-term success.<br>  </font></li> <li><font size="3" face="Arial">Development of a retirement plan. If you are planning your distant retirement we review your current needs, determine your future requirements based on your current needs, and prepare a written plan recommending suitable approaches to realize your future goals.  If your retirement is imminent or you are already retired, we help you determine if your retirement income and portfolio are adequate for your needs.  If you have met your retirement goals we provide a plan that will allow you to maintain or improve your current lifestyle.<br>  </font></li> <li><font size="3" face="Arial">Estate planning. We can help you design an estate plan that meets your needs, minimizes taxes and preserves assets for your family or charities in harmony with your wishes. We then work with your attorney, accountant, insurance agent, and others to put your plan into effect.<br>  </font></li> <li><font size="3" face="Arial">A long-term relationship.  We begin not by giving advice, but by listening to you.  Through continual client education, quarterly reports, regular personal meetings and on-going guidance, your alliance with Langer Wealth Management is a long-term, growing relationship.</font></li> </ol> <p align="center"><font face="Times New Roman" size="1">-<a href="#top"> back to top</a> -</font></td> </tr> <tr> <td width="100%"> </td> </tr> <tr> <td width="100%"><b><font face="Arial" size="4" color="#008080"><a name="whoclient"></a>WHO ARE OUR CLIENTS</font></b> <p><font size="3" face="Arial">Our clients are people just like you. They are interested in achieving and/or maintaining financial independence. They include business owners, doctors, lawyers, executives and retirees. Some are managing family wealth, some are maintaining wealth they have created themselves and some are charged with the responsibility of managing funds on behalf of others, such as pension and profit sharing plans.  They are financially successful, experienced, and prudent investors with an average portfolio size of $750,000.</font></p> <p><font size="3" face="Arial">The common denominator among our clients is their desire for peace of mind concerning their finances.  They are looking for a long-term relationship with a firm that can provide objective, unbiased advice.</font></p> <p align="center"><font face="Times New Roman" size="1">-<a href="#top"> back to top</a> -</font></td> </tr> <tr> <td width="100%"> </td> </tr> <tr> <td width="100%"><b><font face="Arial" size="4" color="#008080"><a name="whatbelieve"></a>WHAT WE BELIEVE</font></b> <ul> <li> <p><font size="3" face="Arial">It is necessary to integrate all the key areas of financial planning—Asset Protection, Disability and Income Planning, Investment Management and Estate Management.  We believe all of these areas are integral for achieving your personal financial success.</font></p> </li> <li> <p><font size="3" face="Arial">Our investment goal is not to beat a particular index – it’s to meet or exceed each client’s required or targeted rate of return.  We aim to get you the returns you need to meet your financial goals over the long term.</font></p> </li> <li> <p><font size="3" face="Arial">Investors should not engage in market timing.</font></p> </li> <li> <p><font size="3" face="Arial">The most important investment decision you must make is the appropriate balance among the major categories of investments (cash, bonds, stocks).</font></p> </li> <li> <p><font size="3" face="Arial">Most investment vehicles and financial services are too expensive. It is the cost of trying to "beat the market" that causes most investors to fail to achieve market returns.</font></p> </li> <li> <p><font size="3" face="Arial">Past performance is of no value in selecting superior performing mutual funds or money managers in the future.</font></p> </li> <li> <p><font size="3" face="Arial">Low cost, no-load, "index" mutual funds are the most efficient way to harness market returns.</font></p> </li> <li> <p><font size="3" face="Arial">Broad diversification among and within investment categories can increase returns as well as reduce risk.</font></p> </li> <li> <p><font size="3" face="Arial">Our job is to help you determine the best way to achieve your financial goals. For some, it may be maximizing return. For others, it may be reducing risk.</font></p> </li> <li> <p><font size="3" face="Arial">Developing a plan and then adhering to a long-term disciplined strategy is the most reliable way to achieve long-term goals.</font></p> </li> </ul> <p align="center"><font face="Times New Roman" size="1">-<a href="#top"> back to top</a> -</font></p> </td> </tr> <tr> <td width="100%"> </td> </tr> <tr> <td width="100%"><b><font face="Arial" size="4" color="#008080"><a name="why"></a>WHY THIS IS IMPORTANT TO YOU</font></b> <p><font size="3" face="Arial">Virtually all people, regardless of their wealth, have a great deal of anxiety about their finances. Why?</font></p> <ul> <li> <p><font size="3" face="Arial">Failure to develop a plan</font></p> </li> <li> <p><font size="3" face="Arial">Failure to have a financial "quarterback"</font></p> </li> <li> <p><font size="3" face="Arial">Failure to achieve acceptable rates of return</font></p> </li> <li> <p><font size="3" face="Arial">Failure to stay committed to a disciplined investment strategy</font></p> </li> <li> <p><font size="3" face="Arial">Failure to control costs</font></p> </li> </ul> <p><font size="3" face="Arial">When you hire Langer Wealth Management, you hire a firm with broad credentials and experience that believes in developing a long-term disciplined strategy. We act as a financial coach to help you stay on track, much like athletes need a coach to help them establish and achieve goals.</font></p> <p class="MsoNormal" align="center"><font face="Times New Roman" size="1">-<a href="#top"> back to top</a> -</font></td> </tr> <tr> <td width="100%"></td> </tr> <tr> <td width="100%"> </td> </tr> </table> </center> </div> </body>