Equity Planning Group
We are an independent Registered Investment Advisory (RIA) firm providing investment advice and insurance solutions that afford our clients with peace of mind. Because we are independent, all funds are invested without conflict of interest and we are able to select the insurance companies whose products best suit our client's needs.
ABOUT US
We are an independent Registered Investment Advisory (RIA) firm providing investment advice and insurance solutions that afford our clients peace of mind. Because we are independent, all funds are invested without conflict of interest and we are able to select the insurance companies whose products best suit our client’s needs. Equity Planning Group, Inc. has been implementing financial strategies since 1985.
Nate Goldberg, CFP, and his son, Scott, provide financial planning and risk management for individuals, retirees, small business owners and corporations. A desire to fulfill people’s basic financial needs encouraged Mr. Goldberg to start his business and through introductions and referrals, Equity Planning Group, Inc. has continued to be a valuable source for financial guidance.
MEET OUR STAFF
NATE GOLDBERG
Founder, Certified Financial Planner (CFP), Investment Adviser Representative (IAR) and Resident Counselor of Life, Accident and Health Insurance
Mr. Goldberg has been managing his own investment firm for over since 1974. In the past, he served on the Michigan CFP Board. Previous to entering the field of money management, he worked as an accountant for a National CPA firm. He received his BS in accounting from Ferris State University in 1966.
Nate was a past board member of Yad Ezra, a full-service food pantry, and has been the managing director of Thanksgiving Day Baskets and involved with the charity since 1978. WWJ Newsradio 950’s Outstanding Citizen of the Week award went to Mr. Goldberg in 1999. Nate is a member of Detroit Old Newsboys. He also volunteers at Fleischman Senior Residence and received the Program of the Year award in 2010. In 2011 Nate and his family received the Jewish Family Service Lifetime of Caring award.
Nate grew up in Northwest Detroit with five older siblings and currently resides in West Bloomfield with his wife, Nancy. They have 2 children and 2 grandchildren.
SCOTT GOLDBERG
President, Investment Adviser Representative (IAR), Chief Compliance Officer (CCO) and Resident Producer of Life, Accident and Health Insurance
Scott Goldberg serves as President of Equity Planning Group, Inc. He has been an Investment Advisory Representative since 2000 and is responsible for daily research, selection, and trading.
Scott is a native of West Bloomfield and grew up in the Farmington Hills area. He graduated from Michigan State University in 1999.
His interests include playing pinball, following college football, listening to music, traveling, and spending time with family and friends.
INVESTMENTS
As Registered Investment Advisors, it is our duty to:
- Minimize trading costs and taxes
- Research the appropriate investments for your time horizon and risk tolerance
- Conduct regular client reviews to ensure goals are on track
- Stand by our fiduciary responsibility to work in our clients’ best interest
Equity Planning Group, Inc. is a fee based asset management firm. The only investment fees they receive are from their clients. Portfolios are managed using a variety of different assets: money markets, bonds, equities, REIT’s, alternative commodities, mutual funds, ETF’s, stocks and individual bonds are utilized to achieve your financial goals.
Clients assets are held at Charles Schwab and Betterment. All funds are held in the client’s name and are segregated. Accounts can be viewed online to review confirmations, check balances, review accounts and monthly statements. Click one of the following links to log into your respective account: Charles Schwab or Betterment.
Equity Planning Group, Inc. invests using a value oriented strategy. We are patient investors, not market timers. We believe that a majority of market participants are short term investors, and these “speculators” create opportunities for those with longer time frames (5+ years). Our biggest competitive advantage is the ability to be patient, as we believe wealth is created over time.
INSURANCE
UNDERWRITING QUESTIONNAIRE
Insurance is a key component to any financial plan. Nate and Scott are licensed independent insurance agents. Being independent allows them to provide unbiased counsel which has been the cornerstone of Equity Planning Group, Inc. since it was founded in 1985. With access to multiple insurance carriers, the agents at Equity Planning Group, Inc. are able to identify the most appropriate policies in order to meet their clients’ needs.
LIFE INSURANCE
The premature death of the primary breadwinner may leave a family without future income, as well as debt. Life insurance protects against that risk. In addition, life insurance proceeds are not taxable. So, when leaving an inheritance to your loved ones, life insurance is often the most efficient option.
DISABILITY INSURANCE
People are far more likely to become disabled during their working years than to die. Disability insurance is what protects against losing future income due to one’s inability to work.
BUY-SELL INSURANCE
Small Business owners are responsible for protecting what they’ve worked so hard to build. The potential risks vary greatly from business to business, so constructing a customized insurance plan is where we begin.
ANNUITIES
There are some advantages to investing a portion of your money into an annuity including tax deferral,transferring risk, and guaranteed income. As pensions decline in modern times, an annuity can help to structure payments on a regular basis, thereby creating your own pension.
