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'; return h; }; var pubBlock = finBlock; var woodwardMenuItem = function(page, label) { return '' + label + '   |  '; }; var menuItem = function(page, label) { return '' + label + '   |  '; }; function insertMenu(e) { var menu = id(e); if(!menu) return; var h = ''; h += menuItem('http://woodwardadvisors.wordpress.com', 'Blog'); h += woodwardMenuItem('news.htm', 'News & Events'); h += woodwardMenuItem('pubs.htm', 'Publications'); menu.innerHTML = h; } insertMenu('w_menu'); insertMenu('w_menu2'); var news = id('w_news'); if (news) { var h = ''; h += newsBlock( 'June 6, 2011', 'pdf/genx.pdf', 'A Plan for Uncertainty – GenX-ers and Social Security Income', 'FiPath', 'Ben Birken, CFP® comments on the uncertainty surrounding Social Security for GenX-ers.' ); h += descBlock( 'July 14, 2011', 'Woodward Financial Advisors ranked among top advisors', 'For the second year in a row, WFA has been named by Financial Advisor magazine as one of the top financial advisory firms in the U.S. This coveted honor was extended to only a small number of firms across the country.' ); h += newsBlock( 'May 2, 2011', 'pdf/ce.pdf', 'How to Hit the Target', 'The Wall Street Journal', 'Ben Birken, CFP® shares some of the most common mistakes he sees when people choose among target date retirement funds.' ); h += newsBlock( 'April 30, 2011', 'pdf/as.pdf', 'Retirement Income? Annuities Come Up Short', 'The Wall Street Journal', 'Ben Birken, CFP® comments on immediate annuities as an investment choice in the current low interest rate environment.' ); h += newsBlock( 'April 11, 2011', 'pdf/wr.pdf', 'Women Hand Over the Reins on Retirement: Survey', 'Reuters.com Prism Money Blog', 'Ben Birken, CFP® comments on the role women are taking in planning for their retirement security.' ); h += newsBlock( 'April 1, 2011', 'pdf/mfc.pdf', 'Medicare: Front & Center', 'Financial Planning', 'Linda Patchett, CFP® comments on the confusion surrounding Medicare and the impact of tax-exempt income on Part B Medicare premiums.' ); h += newsBlock( 'April 1, 2011', 'pdf/making-the-most-of-your-family-paycheck.pdf', 'Making the Most of Your Family Paycheck', 'Carolina Parent', 'Ben Birken, CFP® gives tips to help families make optimal use of their tax-deferred retirement accounts and other tax advantaged vehicles like Flexible Savings Accounts and 529 plans.' ); h += descBlock( 'March 28, 2011', 'Martin Shenkman\'s RV4TheCause', 'On Monday, March 28th, WFA proudly sponsored a free educational seminar on estate planning for individuals suffering from chronic illness, featuring nationally known estate planning expert Marty Shenkman. Over 35 people were in attendance including many local CPAs, estate planning attorneys, and members of the MS Society. Click here to see a photo of Marty and the WFA team.' ); h += classBlock( 'Tuesdays, April 26, May 3, 10, & 17 from 7 to 9pm', 'Money Smarts for Women', 'UNC\'s Friday Center', 'Linda Patchett, CFP® and Kendra Hudson, along with certified estate planning specialist Gwendolyn C. Brooks of Kennon, Craver, will teach this class to help women identify and organize their financial resources. Click here for more information and online registration.' ); h += classBlock( 'Wednesdays, March 23, 30 & April 6', 'Retirement Planning Today™', 'UNC\'s Friday Center', 'The class will be taught by WFA president James R. Miller, CFP®. This class is designed for both pre-retirees as well as those recently retired; it covers the basic elements of a successful retirement strategy. Click here for more information and online registration' ); h += classBlock( 'Mondays, April 25, May 2 & 9 from 7-9pm', 'Retirement Planning Today™', 'UNC\'s Friday Center', 'The class will be taught by WFA president James R. Miller, CFP®. This class is designed for both pre-retirees as well as those recently retired; it covers the basic elements of a successful retirement strategy.. Click here for more information and online registration' ); h += newsBlock( 'March 14, 2011', 'pdf/How_to_Save_for_Retirement.pdf', 'How to Save for Retirement Without a 401(k)', 'U.S. News & World Report', 'James R. Miller, CFP® comments on using an IRA to save for retirement and the advantages of waiting to collect Social Security.' ); h += descBlock( 'March 9, 2011', 'WFA Speaks at Carolina Friends School in Durham', 'Woodward Financial Advisors was invited to give a financial planning workshop to the staff at Carolina Friends School. The popular session was attended by 70 staff members and covered the fundamentals of financial planning as well as the types of financial advisors one can hire.' ); h += newsBlock( 'January 20, 2011', 'pdf/Test-Drive_Your_Retirement_Plan.pdf', 'How to Test-Drive Your Retirement Plan', 'Smart Money Magazine', 'Ben Birken, CFP® explains how to simulate spending in retirement before taking the big leap.' ); h += newsBlock( 'January 19, 2011', 'pdf/Teen_Checking_Accounts.pdf', 'Teen checking accounts: Tools to help kids manage cash', 'Reuters.com Prism Money blog', 'Ben Birken, CFP® discusses checking accounts for teens with Reuters.com Ashleigh Patterson.' ); h += newsBlock( 'January 7, 2011', 'pdf/Focus_On_What_You_Can_Control.pdf', 'Focusing On What You Can Control Beats Out Guessing', 'Chicago Tribune', 'Ben Birken, CFP® discusses the efficiency of financial markets and the asset allocation decision in the Chicago Tribune.' ); h += newsBlock( 'December 29, 2010', 'pdf/Choosing_Accoutants_for_Clients_Carefully.pdf', 'Choosing Accountants for Clients, Carefully', 'Dow Jones Newswires', 'James R. Miller, CFP® emphasizes the importance of collaboration between CPAs, financial planners, and estate attorneys.' ); h += newsBlock( 'November 4, 2010', 'pdf/Portfolio_Balancing_Tools.pdf', 'Portfolio balancing tools make good roadmaps', 'Chicago Tribune', 'Ben Birken, CFP® discusses the benefit of asset-allocation tools made available by 401(k) providers.' ); h += newsBlock( 'September 20, 2010', 'pdf/Getting_Them_While_They_are_Young.pdf', 'Getting Them While They\'re Young', 'The Wall Street Journal', 'Ben Birken, CFP® discusses his work with young clients and the role of the internet as a purveyor of financial advice.' ); h += descBlock( 'July 1, 2010', 'Woodward Financial Advisors, Inc. ranked among nation\'s top financial advisors', 'Woodward Financial Advisors, Inc. was named in the July issue of Financial Advisor magazine as one of the top financial advisory firms in the United States. This honor was extended to less than 500 firms across the country.'); h += newsBlock( 'June 9, 2010', 'pdf/Eight_Common_Retirement-Budget_Busters.pdf', 'Eight Common Retirement-Budget Busters', 'Research Magazine', 'James R. Miller, CFP® comments on the major expenses commonly underestimated by retirees.'); h += newsBlock( 'May 30, 2010', 'pdf/How_to_Pick_a_Planner.pdf', 'How to Pick the Best Financial Planner for You', 'The News & Observer', 'News & Observer columnist Mary Cornatzer consults Ben Birken, CFP® for advice on how to choose a financial planner.'); h += newsBlock( 'May 13, 2010', 'pdf/Gold_Frenzy.pdf', 'The Gold Frenzy: Why Investors Should Resist', 'Business Week', 'James R. Miller, CFP® warns investors about the recent frenzy surrounding gold as an investment.'); h += descBlock( 'April 15, 2010', 'Ben Birken accepted as a NAPFA-Registered Financial Advisor', 'Ben Birken, CFP® was accepted by the National Association of Personal Financial Advisors (NAPFA) as a NAPFA-Registered Financial Advisor. NAPFA is a national organization of fee-only planners whose advisor members must demonstrate that they meet the highest standards in the financial planning profession with respect to ethics, competency, and continuing education requirements.'); h += newsBlock( 'April 7, 2010', 'http://wunc.org/tsot/archive/sot0407ab10.mp3/view', 'Money Talks: Financial Reform', 'WUNC’s "The State of Things"', 'Ben Birken, CFP® was a panelist on WUNC’s "The State of Things" with Frank Stasio, as part of their occasional "Money Talks" series. Listen to what Ben and other panelists had to say about the current financial reform legislation making its way through Congress.'); h += descBlock( 'February 15, 2010', 'James R. Miller is accepted as a member of NAPFA', 'James R. Miller, CFP® was accepted as a member of the National Association of Personal Financial ' + 'Advisors (NAPFA), a national organization of fee-only planners. As a NAPFA member, James has ' + 'demonstrated his commitment to working as a fee-only advisor who is solely compensated by the ' + 'client, receiving no compensation that is contingent ' + 'on the purchase or sale of a financial product.'); h += newsBlock('February 4, 2010', 'pdf/15_Ways_to_Cut_Spending.pdf', 'Fifteen Ways to Slash Spending in Retirement', 'Business Week', 'James Miller comments on spending in retirement.'); h += descBlock( 'January 26, 2010', 'Congratulations to Ben Birken, CFP®', 'Please join us in congratulating our colleague, Ben Birken, for successfully passing the CERTIFIED FINANCIAL PLANNER® exam. Ben is now among a select group of planners who have met the rigorous education, examination, experience, and ethics requirements necessary to call himself a CFP® professional - the recognized standard of excellence for personal financial planners.'); h += newsBlock( 'January 17, 2010', 'pdf/Money_Bus_Article.pdf', 'Money Bus offers free, expert financial advice', 'The News & Observer', 'In January a big green bus rolled into downtown Raleigh as part of the Your Money Bus Tour, a nationwide financial literacy event. Jim, Linda, Ben, and Kendra volunteered to staff the event, meeting one-on-one with people from all walks of life who’d come with questions to discuss with a financial advisor.'); news.innerHTML = h; } var pubs = id('w_pubs'); if (pubs) { var h = ''; h += 'Newsletters

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Finding the right wealth management firm is an important decision. '; h += 'Yet with one financial scandal after another making headlines, it’s '; h += 'difficult to know who to trust.

'; h += '

At Woodward Financial Advisors, we are held to the industry's '; h += 'highest legal standard when managing your portfolio - meaning '; h += 'we must always place our clients' interests above our own and '; h += 'act in their best interest at all times.

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We do not sell financial products. We do not have sales quotas '; h += 'to meet and are not limited to a menu of proprietary investments. '; h += 'We make our investment recommendations based solely on what is '; h += 'best for you.

'; h += '

Stockbrokers, in contrast, are held to a less stringent '; h += '"suitability" standard. Legally, they are only accountable '; h += 'for making sure the investments they sell are suitable for your '; h += 'situation – not in your best possible interest – just suitable. '; h += 'And because a broker is paid a commission to sell their company's '; h += 'products, they may have a financial incentive to sell you something '; h += 'less than ideal for your situation.

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For a unbiased, no obligation review of your investments, click the button below.

'; h += '

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