Eve L. Kaplan, CFP®
| Other Names: |
Eve Liana Kaplan
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RIA |
Description
I worked at an equities analyst in Tokyo in the 1980s. I did all my company visits and analysis in Japanese, and produced numbers-laden reports for institutional investors (aka "the sell-side"). I subsequently migrated toward institutional fund management (8 years as a senior portfolio manager managing up to $1 billion)
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and was on the receiving end of those very same numbers-laden reports written by other equities analysts (aka "the buy-side"). What goes around comes around.
My final stop in this investment journey was to establish Kaplan Financial Advisors, LLC in 2004. We're a Fee-Only comprehensive financial planning and investment management firm.
I currently have two types of clients: 1) individual clients (average net worth: $1-5 million) and 2) business and non-profit 401(k) and 403(b) clients.
The key driver in this 25+ year journey has been the shift from anonymous, impersonal institutional money management to deeply personal, individual management contact with my individual and corporate clients. My clients benefit from financial clarity and have the highest probability of achieving their goals for the reasons that are important to them.
My goal is to improve the quality of my clients' lives by taking over key areas which eat up their time and energy: investment management, taxes, estate planning and financial planning issues. I have a close relationship with my clients and like to be a key behind-the-curtains person in their lives.
Business and non-profit clients benefit from access to our cutting edge tax-deferred plan solutions. I'm teamed up with a 3(38) Fiduciary to provide low-cost, transparent, high-quality tax-deferred plans that slash costs and have the potential to generate higher investment returns. This new, revolutionary approach to 401(k) and 403(b) planning replaces less attractive plans run by insurance companies and brokers. We educate our clients so they get more bang for their tax-deferred $s.
Specialties
1) Comprehensive individual planning for individuals/small-business owners and 2) 401(k) / 403(b) plan design and administration.
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Answers and Guides
Level 20
Level 20 Contributor
33 Answers and 8 Financial Guides
Top Answers
Answered May 21, 2012
near Berkeley Heights, NJ
Hi Elliot,
SBUPX is a B share. Being a B share, it will levy a surrender penalty that gets phased out over time. You need to clarify how many years the surrender penalty runs until it reaches 0%. A shares can have as higher (or a higher) one-time front-end
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Hi Elliot,
SBUPX is a B share. Being a B share, it will levy a surrender penalty that gets phased out over time. You need to clarify how many years the surrender penalty runs until it reaches 0%. A shares can have as higher (or a higher) one-time front-end charge. I believe most of my fellow advisors would recommend you consider no-load mutual funds or ETFs to avoid incurring future front/rear or recurring (C shares) charges. Be aware brokers utilize A, B and C loads to earn a living. Most clients I meet with A, B or C mutual funds aren't clear about how these charges are levied. I believe there is a wide universe of no-load mutual funds and ETFs that offer inexpensive and excellent investment opportunities.
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Answered Mar 28, 2012
near Berkeley Heights, NJ
Travis' comments are correct. Raw land should be contemplated with great care and only be considered in addition to a core portfolio of liquid assets (various types of stocks, bonds, alternative investments). REITs are a much more liquid way to invest
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Travis' comments are correct. Raw land should be contemplated with great care and only be considered in addition to a core portfolio of liquid assets (various types of stocks, bonds, alternative investments). REITs are a much more liquid way to invest in real estate. Your comment about tax implications should be run past a tax specialist - you have an exemption on your primary residence of 500K (if married) if you've retained property as your primary residence for at least 2 years (out of the past 5 years) before selling. I'm not sure how your raw land would be taxed if you continue to reside in your primary residence and decide to sell this raw land to e.g. a developer --I don't believe you can utilize the same exemption twice.
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Answered Feb 24, 2012
near Berkeley Heights, NJ
Jeffrey raises a good point --investors do better when they avoid changing their portfolios often (typically in response to the market). Why? Investors typically sell at low points (sell into weakness) and buy at higher levels (buy into euphoria). The
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Jeffrey raises a good point --investors do better when they avoid changing their portfolios often (typically in response to the market). Why? Investors typically sell at low points (sell into weakness) and buy at higher levels (buy into euphoria). The best policy is to select a model portfolio (ideally a target-based fund) that's consistent with your risk tolerance and has a good balance of stocks/bonds/cash (e.g. 60% stocks/40% bonds). Once you select this, stick with it and avoid making changes on the basis of market movements.
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Top Guides
Published Jul 02, 2012
Risk takes many forms in the complex financial world wel live in. I define “risk” as “unexpected” (usually “unwanted”) outcomes. Unwanted outcomes can occur if: 1. You take no action when you should have taken
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Published Jul 02, 2012
Suze Orman doesn’t like them. Some journalists are suspicious of them. Fee-only advisors (= advisors who don’t sell products) generally avoid them. I believe the public generally gets ripped off when they buy them. What
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Published Mar 07, 2012
By Eve Kaplan, CFP® Congratulations – you’re retired! Now what? Here’s a list of things to consider as you contemplate the coming decades as a retiree: When is it best to take Social Security –
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*Answers and guides are provided without compensation.
Advisor Information
Advisor Assets Under Management
$1.0M
Estimated Average Account Balance Per Client
*An individual AUM and number of accounts has been entered by the advisor and has not been verified.
Advisor Client Types
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High Net Worth Individuals |
55% |
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Individuals |
30% |
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Pension and Profit Sharing Plans |
15% |
*The Client Types data displayed has been entered by the advisor and has not been verified.
Experience and Employment History
*Experience and Employment History information reflects the past 10
years of employment as reported on the SEC ADV filing as of 04/12/2004, and is not a complete representation of the advisor's experience and
employment history. Furthermore, the advisor is required to provide this information only while registered with an investment advisor firm
and the information is not updated through Form U4 after the advisor ceases to be registered. Therefore, an employment date of "Present" may not reflect the advisor's current employment status.
Licenses and Conduct
| Regulator |
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License Status
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Registered
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Disclosures
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| As of Date |
04/12/2004
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*This advisor may not be SEC registered. The SEC maintains the database for state registered advisors as well as SEC registered advisors.
*A single dispute is often reported by both the SEC and FINRA and therefore will be reported as both an SEC dispute and FINRA dispute in this section.
Advisor Exams
| Exam |
Series |
Passed Date |
| Uniform Investment Adviser Law Examination |
Series 65 |
03/02/2004 |
Advisor Compensation Arrangements
Fee Only
Advisor
This advisor has certified that they are compensated solely by their clients,
and do not accept commissions or compensation of any kind based on the products they recommend.
Types of Compensation Arrangements
|Percentage of Assets+(85%25))
