Masters of Science in Finance

Bachelor of Science 

Erich Imphong - Financial Advisor in Chevy Chase, MD | WiserAdvisor.com

As a CERTIFIED FINANCIAL PLANNER&trade; at Plotkin Financial Advisors, LLC I am in the business of 
making a difference in the lives of clients and their families. I am guided by the core values of 
honesty, integrity, independence, innovation, objectivity and as a fiduciary of clients' 
interests. As an independent firm, we are free to craft financial plans and make recommendations 
that fit our clients best. The services and investments we recommend are based on what is in the 
best interest for our clients and their families. My firm's comprehensive wealth management service is a refined process that helps to define and 
clarify the financial landscape for the clients we serve. Together, we help you and your family 
work towards your financial goals. What - Provide clients with sound advice regarding every aspect of their financial lives. How - I utilize our proprietary Legacy Program method to design a customized wealth management 
plan. Why - I believe comprehensive financial planning is the foundation of achieving your desired 
lifestyle.

Plotkin Financial Advisors, LLC

Personalized, unique and thoughtful financial planning.
Plotkin Financial Advisors, LLC, implements a customized 
approach to financial planning that focuses on helping 
you clarify your goals, plan for the future, and build a 
legacy. 
Our CERTIFIED FINANCIAL PLANNERS&trade; become your personal 
resource and understand that no one individual or family 
is the same. This is why we take the time to get to know 
you, determine how we can help, and identify with your 
concerns as well as your goals. It is through this 
discovery that we offer comprehensive solutions that 
alleviate these concerns and move you towards your goals.

How well you invest will dictate the resources you have 
available to meet your objectives and goals. This is why 
it is imperative that our advisors know your goals as we 
craft your plan because these will influence how we 
invest your portfolio. 
It is through our investment analysis process that we 
will determine if your existing portfolio is inefficient 
or suitable for you. In analyzing your investments, we 
review all of your accounts to summarize your allocation 
between equities (stocks), fixed-income (bonds) and cash. 
These include your personal and work retirement accounts, 
taxable investment accounts and cash reserves in savings 
and CDs. Next, we review your specific investments to 
verify the quality of the investments as well as how much 
risk is associated with the underlying investments. 
Ultimately, our investment decisions and recommendations 
will help build you a portfolio that: 
Generates enough income you can live off of in retirement
Offers growth potential so that it appreciates
Reduces security risks through diversification
Allows you to sleep at night 
Our investment planning process makes it possible to 
choose the most suitable investments for you. Unlike many 
of our competitors, we do not offer a cookie-cutter 
investment proposal with our financial plans, but rather 
a customized portfolio that is designed to meet your 
specific goals and objectives.

Plotkin Financial Advisors, LLC (PFA) offers 
comprehensive retirement income planning to help 
alleviate the uncertainty of managing your investments in 
retirement.  If you are planning your retirement or are 
currently retired, our retirement planning solutions help 
project your income needs and determine an effective 
withdrawal strategy that is not only sustainable but is 
also feasible.

As much as financial planning is goal-oriented to help 
you pursue your passions, it also proactive in helping 
manage your risks. Our advisors understand that in 
investing and in life, it is always important to protect 
your downside and reduce risk. You can manage this 
through insurance planning. Careful insurance planning 
may help replace income, reduce debt, protect your 
assets, and mitigate the impact of taxes on your estate. 
As part of the financial planning process our advisors 
will objectively address your insurance needs in the 
following areas: 
Life Insurance 
Long-term care 
Business insurance 
Disability 
It is never pleasant thinking about "what-if" scenarios, 
but insurance planning is necessary so that you and your 
family are protected from the unexpected.

Not addressing your estate can be a costly endeavor, and 
neglecting to do so could cause significant frustration 
and heartache to your loved ones. This oversight usually 
goes against one's plans for taking care of loved ones, 
and it is why discussing and implementing an estate plan 
should accompany a financial plan. Implementing an estate 
plan will help reinforce your legacy and ensure your 
assets pass to loved ones. 
Furthermore, outside of Will's, we review how your 
investment accounts are titled and verify if the 
beneficiary designations are current. For example, you 
may have an old 401k from before you were married, so it 
doesn't list your spouse as a beneficiary. Proper estate 
planning will ensure oversights like these are reviewed 
and remedied. 
As part of our Signature Services, Plotkin Financial 
Advisors, LLC offers estate planning services to eligible
clients. If you are interested in 
learning more about this program, please feel free to 
contact me.

Income taxes impact everything about you financially, and 
it is for this reason that it is necessary to mitigate 
the impact that taxes have on your income, investment 
returns, and gifts to loved ones. Income tax planning is 
interwoven in our financial planning process through a 
review and discussion of your current situation. 
We ask that each client include their prior two years of 
income tax returns so that these may be incorporated in 
their financial review.

Investments customized for you. 
We shape our investment offerings so that they are 
tailored to meet your goals and ambitions. It is for this 
reason that we allocate your portfolio based on some of 
the following questions: 
What are your short and long-term goals?
Do the underlying investments offer the correct risk-
reward balance? Are the investments tax efficient? 
We analyze your responses to these questions in order to 
customize your portfolio to capitalize on opportunities 
in the economy as well as meet your capital needs when 
they arise. Most goal-oriented investing revolves around 
preserving principal, generating income, and growing your 
assets. Your risk tolerance and stage in life will 
dictate what investment allocation makes the most sense 
for you. Our investment committee and financial advisors 
have identified investment vehicles, managers, and 
programs that can help each investor best meet their 
goals. Some of the options that comprise our investment 
portfolio include: 
Exchange Traded Funds (ETFs), Index Funds & Mutual Funds, Unit Investment Trusts (UITs, Private Placement Programs in Real Estate as well as Oil & Gas Partnerships), Real Estate Investment Trusts (REITs), Private Equity, and Hedge Funds Annuities 
Each of the mentioned offerings and strategies has unique 
characteristics that can help diversify your portfolio. 
Our Investment Committee diligently identifies top 
performers, through independent research and 
institutional resources, and implements these strategies 
in your portfolio.

Another integral component to achieving your dreams and 
enjoying your investments is to review your cash flow and 
your lifestyle. Our advisors analyze how much you spend 
versus how much you earn. This simple analysis should 
have a profound impact on how you assess your financial 
condition. 
Cash flow management is different for each family and 
individual, contingent on their stage in life. During 
your working years, our cash flow analysis offers answers 
to the following: 
How much should I be saving and investing?
When should I start saving for my kids' education?
When is it feasible to buy a vacation home?
In contrast, as you enter retirement, our analysis 
changes to determine how much can you spend without 
outliving your savings. This will help answer questions 
such as: 
What is my annual travel budget to see the world?
How much can I gift to my children and grandchildren?
What is a reasonable amount to give to causes about which 
I am passionate? 
Regardless of your life stage, understanding your cash 
flow and knowing what you have available to enjoy life 
and plan for the future will alleviate financial worry 
and free you to pursue interests and live life well.

Erich Imphong

Plotkin Financial Advisors, LLC

A Strong Set of Values Infused into Every Relationship

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