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Overview

Services

Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
  • Pension Consulting
    • -401k
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Businesses or Institutional Clients

Funds

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
Brighton Financial Planning 9 years, 3 months Jan 2010 - Present
Brighton Financial Planning, Inc 1 year, 4 months Aug 2008 - Dec 2009

Designations & Memberships

  • Chartered Financial Analyst Institute
    Membership
    Chartered Financial Analyst Institute
  • Financial Planning Association
    Membership
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • Accredited Investment Fiduciary
    Designation
    Accredited Investment Fiduciary
    The Accredited Investment Fiduciary® (AIF®) designation represents a thorough knowledge of and ability to apply the fiduciary practices.
  • Certified Financial Planner
    Designation
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.
  • Chartered Alternative Investment Analyst
    Designation
    Chartered Alternative Investment Analyst
    The CAIA designation demonstrates mastery of alternative investment concepts, tools, and practices, and promotes adherence to the highest standards of professional conduct.
  • Chartered Financial Analyst
    Designation
    Chartered Financial Analyst
    Widely considered the gold standard for investment professionals, this six decade old charter is only given to designees who can demonstrate competence, integrity, and dedication to the field of investment management.

Articles and Answers

Insights by John Middleton

    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    What are some ex of blue chip stocks?
    Paul - blue chip stocks are stocks of typically large-cap companies with a long history of consistent earnings growth and consistent dividend payments. Examples could include 3M, Chubb, CR Bard, and Coca-Cola, all of whom are members of the S&P 500 Dividend Aristocrats. "Risk" can be defined in ...  (more)
    Answered May 2012
    How will the Greek elections this weekend impact US Markets?
    Ethan - in my opinion, short-term, the Greek election appears to have helped avert a potential disaster scenario as the results suggest less likelihood Greece will withdraw from the EU or the EZ. Long-term, it made little difference as the results did not provide a clear consensus government and do ...  (more)
    Answered Jun 2012
    Pension payout options?
    Francisca - adding to Evan's answer - consider your intentions for the assets beyond your lifetime - do you want to leave a legacy for your heirs (family members, charities, etc)? Which option gives you the most control of the assets with regard to that goal?...  (more)
    Answered Jun 2012
    Should I buy Facebook stock now that it's public?
    Jim - it's a personal investment decision consider your approach to investing (value/growth, etc) and your willingness to accept volatility. As a value-oriented adviser, my advice to clients would be to pass on Facebook for now. The P/E ratio based on trailing twelve month earnings is roughly 95 at ...  (more)
    Answered May 2012
    Invest at home or invest abroad?
    Miguel - I agree with Michael. I favor emerging markets over developed markets because they're showing stronger growth, better fiscal discipline and improving inflation but emerging markets equities are volatile and investors tend to sell them when they shed "risk" assets. The U.S. appears, to me, t...  (more)
    Answered May 2012
    I have money in retirement. I havent worked in the union for 13 years, i would like to withdraw my money, how can i do that ?
    Judy, I suggest your first step is to contact your plan administrator to determine your options. Your ability to withdraw will likely be determined by the plan documents, your current employment status and your current age. Keep in mind, there may be tax consequences to a withdrawal from your plan w...  (more)
    Answered Apr 2012
    Mutual fund suggestions/help?
    Ada - you can certainly invest on your own. Morningstar.com is a good source for information on investing and, in particular, on no load open-end mutual funds. You can research options there and then visit the respective fund company website for more specific information on the funds of interest to ...  (more)
    Answered Jun 2012
    Is it possible to get a college to reconsider their financial aid package?
    Philip, I agree with Donald. There is room to negotiate with the Financial Aid Officer at School 1. As noted by Donald, be prepared to discuss the other aid packages. While the school obviously can decline to adjust its standing package, asking the school to do better can and does work. ...  (more)
    Answered May 2012
    What would it mean to the global market if Greece rejected the recent aid package and fell out of the euro zone?
    Chloe - there are a lot of "ifs" so any answer would be mostly opinion. I believe most investors would be more concerned about the potential domino effect on the European Union should Greece somehow leave whether completely or by dropping the Euro currency. The potential economic disruption caused b...  (more)
    Answered May 2012
    What is a commingled Trust Fund?
    Jevon - a commingled trust fund (CTF) is very similar to the more commonly known open-end mutual fund. The funds are available only through retirement plans. These funds are structured like mutual funds in which the investor owns share of the fund rather than the underlying stocks or bonds. The key ...  (more)
    Answered May 2012
    I have 401k's from previous job (wife and I) Can someone convince me that I shouldn't cash out and buy (2) houses that will generate me$2200 a month in rent..$1700 net approx? We also max out 2 new company 401k's so we still we be in market. Need allot of money in 401k at taking out 4% to get $170
    Justin - before deciding to do so, consider the tax penalties and ordinary taxes on early withdrawal from the 401ks. I would consider this part of the initial cost of investing in the real estate properties. Then consider the liquidity constraints on the real estate, the associated annual maintenanc...  (more)
    Answered Jun 2012
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      SEC
      U.S. Securities and Exchange Commission
      • license status
        Registered
      • disclosures
        None
      • as of date
        Mar 13, 2019
      FINRA
      FINRA
      • license status
        Not registered
      • disclosures
        None
      • as of date
        Aug 2, 2018
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

      Assets

      Advisor

      Last updated on March 14, 2019
        • $71.5M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 93
          number of clients
        • $768.8K
          Estimated Average Account Balance Per Client

      Brighton Financial Planning

      Last updated on April 25, 2017
        • $66.5M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 230
          Accounts
        • $289.3K
          Estimated Average Account Balance

      Fees

      Fee Only Advisor
      $
      This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.

      Types of Compensation Arrangements