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Everyone's economic and life situation is unique, and we keep that in mind when providing financial advice. Glenn E. Fleureton and Alan Landay of Gateway Capitol Financial, an office of MetLife, believe that personalized service is essential when matching clients with the right financial products and services. We understand our clients are in different stages of life: you might be purchasing a first home, financing a child's postsecondary education, or planning for retirement. We believe a financial plan must reflect your personal or business situation, and so will work to highlight the financial products that best fit your life events. Once your custom-tailored financial plan is in place, we will continue working together to review achievements against your stated aims, and ensure you are comfortable everything is moving forward according to plan.
Alan first started out as a TV personality in Salisbury MD and came into the financial world quite by accident. “I always felt I was connecting with my audience, but I realized that I was looking for something more fulfilling. It was when I found myself providing financial advice to my coworkers on a daily basis, and handling my parent's estate, that I asked myself what I could really do with the proper financial education.” It was then Alan left the oadcast booth for the classroom and started down what has been a 30-year career in the Financial Service industry, with 23 of those years as a Certified Financial Planner.
Glenn grew up involved in the family pet store on the Eastern Shore. “I remember going straight from school to the store and after I was done my homework, I was out talking to customers and facing the shelves.” From that early exposure Glenn learned to listen and address the needs of his customers that he uses today with his clients. With over 10 years in the financial industry mainly focusing in using the sophisticated side of Life Insurance, Glenn made the decision to become more serious about his practice. He became a Special Needs Planner partnering with the MetLife Center for Special Needs Planning and is currently enrolled with the American College inging more expertise to their practice.
Forming a partnership earlier this year, Alan and Glenn ing their unique and complementary style to each client. Both believe that most financial plans fail today because the plan is based on linear thought using math as the foundation of the plan. Money is not math and math is not money. Money is a commodity that changes in value over time. Financial plans need to be designed using a macro thought process that takes into account the changing value of money over time.
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Q: What deficiencies do you find in today's financial planning process?
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A: Most financial plans are set up to allow money to work once rather than in a multiplier fashion. The holistic integration of money is critical to increasing one’s money supply. We find most plans are not integrated. Secondly, most plans are designed to perform in an offensive manner rather than both offensive and defensive. There is nothing in the plan to replace lost wealth in the event of an economic downturn. Finally, we see income protection, but no asset protection. We use the sophisticated side of life insurance to reduce taxes and allow for more wealth accumulation. -Alan M. Landay, CFP, CMFC
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Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities offered by MetLife Securities, Inc. (MSI) (FINRA/SIPC). MLIC and MSI are MetLife Inc. companies. Branch Address: 3700 O'Donnell St. Suite 200 Baltimore MD 21224 L1211227502[exp0512][MD].
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Glenn E. Fleureton & Alan M. Landay, CFP, CM FC
Gateway Capitol Financial
3700 O'Donnell Street, Suite 200, Baltimore
Offices also in Rockville, MD and Falls Church, VA
443-957-6236 • www.glennfleureton.com
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