Fulton Financial Consultants, Inc.

Learn Capital Retention Planning Concepts for Retirement using Indexed Annuities & Reverse Mortgages

FFC Home Page

Role of Coach & Mentor

Knowing What We Want

About Robert Fulton

Mission Statement

Model Client Profile

Resume of Robert Fulton

Fulton's Core Theme

So Why Am I Different?

About Fulton Financial

FFC is Not a Fiduciary

Corp Purpose & Objectives

History of FFC

Financial Products

FFC Bus Continuation Plan

Contact Us

Understanding The Website

Your New Vocabulary Words

How to Navigate Website

Purposes of Website

Construction of Site

Disclaimer / Caveats

Glossaries of Terms

Refinancing Your Mortgage

Obtaining A Proposal

Mortgage Refinance Terms

File Configuration

Purchasing New Home-Loan

Reverse Mortgage Basics

Reverse Mortgages 101

List of RVM Programs

Eligible Borrowers

Reverse Mortgage Terms

Eligible Properties

Required Counseling

FHA Backing of Some RVM's

Some Questions & Answers

About Financial Planning

The $ Planner is YOU! 4 U

Retirement Strategies

Financial Planning Terms

Investing Terminology

Rubik's Cube Plan Design

Long Term Care $ Funding

Understanding Risk

Code of Ethics

Education: CLU ChFC CFP

Questions and Answers

Reverse Mortgages 201

RVM-LOC-Line of Credit

The Kid's Inheritance?

Who are Candidates 4 RVM

Reverse Mortgages 301

Cost of Reverse Mortgage

Making Payments on RVM's

Jumbo Reverse Mortgages

HECM 4 Purchase

Expanded RVM Strategies

Refinancing Reverse Mort

For 3rd Party Providers

Annuities Explained

Definition & Basics

Types of Annuities

Q and A Session

FIA's Explained in Detail

Terms 4 Indexed Annuities

Life Insurance Options

Term Life Insurance

Whole Life Insurance

Indexed Universal Life

Variable Universal Life

Insurance Terms

Questions & Answers

Privacy Policy

Robert's Blog

Restricted Access Area

Life on Whidbey Island

Motorcycling

Fishing

Sailing

Flying

Oyster Gardening

 
The $ Planner is YOU! 4 U
Ha! So you clicked on the button to explore what I call "Client Empowerment"
They say, "A Photo is worth a Thousand Words!
Client Empowerment: You will learn to become your own financial planner (or at least actively participate) and establish a plan with strategies to better meet your goals once we clarify just what those are. This is all done with my help of course.  Then I provide ongoing support and service to keep you on track.  You will need specialized knowledge but just for one client which is you.  In our fact finding session, I will become aware where those gaps of knowledge are and fill in those gaps.  My education, training and experience as a financial planner over the past years was extensive. At this point in my practice I share this information as it relates to client's needs without professional fees.  I do this for the reasons I will share on this website and they of course include to the possibility of you electing to do business for product and programs with Fulton Financial Consultants, Inc. But I do not specifically do, "financial plans" and I do not sell financial advice, in addition please understand, I am not a lawyer or accountant.  As you will learn, this website is for the primary purpose of educating my existing clients and providing that support and service outlined above, and not an advertisement.

Would you like to meet the best financial planner in the world for you?

That’s an easy one; as explained on my home page, all you need to do is walk into the bathroom and look in the mirror!

This does not mean you do not need a little grooming and polishing. I can teach you all about what you need to know for that one client, and of course that one client is you.  I believe in what I call “Client Empowerment” Many clients maintain contact with me on an ongoing bases looking to me as a coach and mentor to help them though the maze of decision making they need to do to protect themselves from the risks they are facing and make the most of their opportunity.


The masses of people have been looking of that magic bullet “Financial Planner” that somehow can do it for them.

Unfortunately, that quest is illusionary, as it is close to being another myth. But it is not totally a bad think, but you need to understand it. Many Financial Product Sales Professionals do very high quality financial planning which is “incidental” to their specific profession, and very much needed. These include the stock broker, life insurance agent, mortgage broker, loan officer, lawyer, accountant and even the real estate agent which I have been teaching. The primary operative words were “many and high quality” this is because those “specific” professionals have a formal education as a financial planner. In addition, over the years they have learned the skills to install their products properly, but only when they are actually suitable for their client and in the correct quantity and proper portions. Even the words “sales professional” is or are not all bad as sometimes we need a little help to take action on things, procrastination needs to be overcome. I already know you are aware that in all professions there are people who the words, “high quality, properly, suitable, in correct quantity, and professional” are not applying as well as we would like. Thanks to the good work of government regulators things are getting a lot better in recent years.

A closer look at my theme and taking it to the next level.

“I analyze the resources of the client, (the one I am learning to coach and Mentor) listening to understand their goals, objectives and learn their values. Then I share my recommendations to meet the "client’s" objectives and goals, sooner than they could on their own, using their values (not mine) and the financial techniques that I have learn learned in my years of experience.

The operative word use above was the “client’s” regarding who’s objectives, goals and with who’s values, which is not that of the planner/advisor/sales person/coach/mentor.

I have fired people who worked for me because they could not discipline themselves to live by that. Having said that, while I truly believe I have mastered this theme (and live by it) as stated above, we are all human. Therefore if and when the rolls are reversed I always appreciate knowing the values of the instructor. For lack of the correct wording, my feelings are that it may not be avoidable to have some default prejudices based on one's orientation, education, training and experience especially after 30 - 40 years of doing something. When you understand the values the teacher/mentor, it helps to put into prospective that which is being taught.

So on this website I am going to share my values, philosophies, beliefs and expand them into what I believe to be valuable information which I hope will help you. 


This Site is Not Tax or Legal Advice. Always consult Legal Counsel and Your Tax Advisor. Content of website are the sole opinions of Robert Fulton & does not necessarily reflect those of Fulton Financial Consultants, Inc.'s Investor/Lenders or insurance companies or other product vendors. Because one of my product lines is that of Reverse Mortgages I must state the following:  If the borrower does not meet loan obligations such as taxes and insurance, then the reverse mortgage will have to be repaid." The Terms, benefits and features shared as accurately as possible on best efforts basis and subject to change without notice. Therefore please discuss any decision making specifics with Robert Fulton 360-222-3236. "This material is not from HUD or FHA and has not been approved by HUD or any government agency."