Florek Financial is a private wealth management firm located just south of Boston, in Duxbury, Massachusetts. Partnering with individuals and multi-generational families, we offer a unique, multi-disciplined approach to sustaining and growing long term wealth. Results are achieved by providing sophisticated financial and investment planning in conjunction with estate and tax expertise.
Our mission is to become our clients' most trusted and capable financial advisor. To this end, our compensation is based solely on the advice we deliver. We do not sell products or receive commissions - giving our clients peace of mind that our interests are fully aligned with theirs.
Florek Financial offers fully integrated wealth management services. Our goal is to achieve superior results, while providing the highest degree of personalized service. Below is an overview of our services, from which a unique plan is then developed for each client:
Consolidation and Organization of Financial Affairs
We begin every client engagement with a discovery process that leads to a detailed statement of assets and liabilities. Additionally, we provide a single access point for interdependent documents by reviewing and consolidating your investment statements, estate planning documents, insurance policies, recent income tax returns, employee and retirement benefit plans.
Cash Flow Analysis and Investment Policy
We evaluate your projected cash flows, understand your financial and retirement needs and outline clear objectives to meet your goals. We then partner with you to develop an Investment Policy Statement and target asset allocation strategy consistent with your risk tolerance and expected rate of return.
We construct portfolios to minimize the erosive effects of investment costs and taxes. We utilize a core and satellite approach, effectively pairing low cost, passively managed indexes with active asset managers to provide consistent, competitive returns while minimizing taxes. We construct portfolios unique to your needs, considering all constraints, including company retirement plan investment options.
Tax Planning and Compliance
Our in-depth knowledge of the tax code uniquely enables us to implement planning strategies that minimize taxes while working to achieve your goals. We partner with you on every major financial decision that you may make during the year and ensure your annual tax compliance accurately and timely reflects these decisions.
Estate and Insurance Planning We analyze your current estate planning documents, understand your intentions and collaborate with your attorney on recommended revisions. We are skilled in sophisticated estate tax minimization techniques and assist in the implementation and maintenance of such strategies as family limited partnerships, grantor retained annuity trusts, charitable remainder trusts, qualified personal residence trusts and intentionally defective grantor trusts. Additionally, we review life insurance policies and collaborate with your agent to ensure you have the best program for your situation.
Rob began his career at PricewaterhouseCoopers, LLP (PwC) in 1995, servicing the complex financial and tax planning needs of high net worth individuals and venture capitalists in PwC's New York and Boston offices.
In 2001, Rob joined RINET Company, a Boston-based boutique wealth management firm where he served as Director and Senior Relationship Manager, providing fully integrated wealth planning services to ultra high net worth individuals and families. Rob advised his clients in all aspects of wealth management including: asset allocation, investment manager selection, tax, estate, insurance and retirement planning.
Rob graduated magna cum laude from Boston College with a dual Bachelor's degree in Finance and Accounting and received his Master's degree in Taxation from Bentley College. Rob is a Certified Public Accountant and Certified Financial Planner.
Rob resides in Duxbury, Massachusetts with his wife, two children.
Paul has over 20 years of experience in the financial services industry. Prior to joining Florek Financial, Paul was an institutional equity sales executive for Deutsche Bank (Alex Brown) in Baltimore, New York and Boston. Among the leading institutions he provided senior account coverage to were Wellington, Putnam, The Boston Company, Blackrock, MFS and Pioneer.
Specific responsibilities included primary research distribution to portfolio managers and analysts, idea generation as well as the marketing and sale of Deutsche Bank's IPO and secondary equity offerings.Paul received a B.A. degree in Management Science/Finance from the State University New York at Geneseo and a Masters of Business Administration in Finance from Columbia University.
Paul lives in Duxbury, Massachusetts with his wife, two children.
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