Buckley Financial Planning is a Fee-Only, hourly financial planning firm dedicated to bringing affordable, professional financial planning to the people who need it most professionals and business managers with good incomes, but who are struggling to afford what they want most from life. For these responsible, accomplished people, having a sense of security about the future and knowing that they are maximizing all possible opportunities is actually more important than enjoying a fancy dinner out, taking a big vacation, or putting money in the bank. They want to be sure they are doing the right things for their financial future, but have been unsure until now how they could best obtain the independent, professional advice they need and want.

The firm's founder, Jonathan Buckley, is a financial professional with over 15 years of corporate experience at Price Waterhouse, PepsiCo and Levi Strauss. During this time, he worked on the accounting side, in financial planning and analysis, and in strategic planning. Jonathan also served as CFO of two different international businesses for PepsiCo. His vision for Buckley Financial Planning is to bring the professional, consultative approach of the best business CFOs to the personal financial planning process.

Many of the traditional roles of a CFO translate very well to the planning tasks most people need help with. Compare the Business CFO duties below with the Personal CFO focus:

Business CFO

* Strategic Planning 5 years or more into the future
* Tax Planning
* Budgeting and Analysis
* Risk Management and Insurance Planning
* Capital budgeting

Personal CFO

* Retirement and Estate Planning 5 years or more into the future
* Tax Planning
* Cash Flow Analysis and Budgeting
* Risk Management and Insurance Planning
* Major Expenditure Planning
* College Planning

The best CFOs are business partners, valued for their objectivity and business judgment as well as their financial acumen. In the same manner, Buckley Financial Planning can act as your financial advisory partner regarding your most important life and money decisions.

Clients enjoy the benefits of the Personal CFO approach, which focuses on their needs and priorities. At the same time, they only need to use the services that are most vital for them. Since Buckley Financial Planning is a Fee-Only firm, clients are assured that the advice provided is objective, independent, and focused solely on what is best for them. There are no conflicts of interest regarding compensation because Buckley Financial Planning does not accept commissions or any other remuneration. Client fees are the sole form of compensation. This type of transparent pricing has been heralded by the national media as more and more consumers discover the benefits of working with an independent, Fee-Only advisor.

Executive Summary

Jonathan spent most of his career at PepsiCo, rising from an entry level accounting position to Finance Director. Jonathan's career path has literally been a journey, encompassing a variety of assignments in the United States before moving to Poland and then to Israel, and then returning to the United States. He also worked on projects related to France, Spain, the UK, Hungary, Slovakia, the Czech Republic, Turkey, Egypt, Mexico and Brazil. During his corporate career, Jonathan worked in the accounting department doing financial planning and analysis and strategic planning. He was the CFO of two different operating companies.

He also learned what it takes to be an effective CFO, and what separates the best CFOs from most financial professionals. Today, Jonathan brings that corporate CFO experience to his personal CFO business.

Jonathan joined The Garrett Planning Network, Inc. because he realized that this nationwide affiliation with other professional, Fee-Only financial planners would be an ideal opportunity to bring the expertise and consultative approach of the best CFOs into his relationships with and services for middle income, Bay Area families.

Jonathan's credentials include:

* BS Accounting, Rutgers University
* MBA Finance and International Business, New York University
* CPA, New York State
* PFS (Personal Financial Specialist designation awarded by the AICPA)
* Passed the rigorous CFP certification examination and will be eligible to use the CFP mark upon confirmation that he has met the specific work experience requirements
* Certificate in Personal Financial Planning, American College
* 15 years of professional finance experience with Price Waterhouse, PepsiCo and Levi Strauss
* Member, Financial Planning Association
* Member, The Garrett Planning Network, Inc.
* Member, American Institute of Certified Public Accountants

Isn't it time you experienced the benefits of working with your own Personal CFO?

Call Jonathan today for a no-obligation Get Acquainted meeting.

CFP and CERTIFIED FINANCIAL PLANNER are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.

Buckley Financial Planning
2410 Camino Ramon, Suite 288
San Ramon, CA 94583
Phone: (925) 236-1848
Fax: (877) 272-4026
Email: JonathanB@BuckleyFinancialPlanning.com
Web Site: www.buckleyfinancialplanning.com

My passion is ...

racing old cars

I know too much about ...

everything!

My parents always told me ...

to be good to others

My childhood ambition ...

was to build stuff

My favorite memory ...

Spending a few weeks one Summer with cousins at Cannon Beach, OR

Why I write ...

I feel like I have something to say - and that sometimes others may find it useful

What I am reading/watching/listening to ...

I'm listening to old rock and jazz records (yes, on a turntable)

My first job ...

a bartender in a NJ shore disco

My best moment ...

graduating from college after paying for it myself

My inspiration ...

My kids, and my sister-in-law Mary, who is in an irreversible coma

Autos > Autos (Other) The difference between all wheel drive and four wheel drive

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At first the differences between all and four wheel drive seem simple. As it is usually used, the term four wheel drive refers to a system intended for heavy-duty, off-road capable trucks and SUVs. It will usually have some mechanism to lock the wheels together (in effect, defeating any differential)so that even if more than one wheel is slipping, there will still be wheels under power keeping the vehicle moving forward. These vehicles will also often have a two range transfer case, with the option of using very low gearing for difficult off-road conditions.

The term all wheel drive, ...

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