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Consulting Services
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We offer a wide range of fee-based advisory services, tailored to meet your financial
institution's individual needs:
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STRATEGIC PLANNINGThe need and outcome of strategic planning has changed in the past few decades: in the '60s, financial institutions were concerned with managing assets; the focus in the '70s was managing liabilities; and in the '80s, in a totally deregulated climate, the industry worried about how to survive. But the '90s have been very different. Financial institutions are healthy and no longer go through strategic planning just to meet regulatory requirements. Today, there is a realization that the status quo is no longer acceptable. Strategic planning has become more important than ever in assisting boards and management to chart their institution's future. The planning process is key to making good decisions. That's where we come in. Our planning services cover the full spectrum--from the initial strategic plan, to mergers and acquisition services. In looking at the planning process, the primary question to answer is: Is the long term objective to own and operate your financial institution or to sell it. The answer to this question sets the direction and helps define the next steps.
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MERGERS AND ACQUISITIONSThe ownership structure of many financial institutions has changed over the past decade, and continued change is likely. FinSer has been actively involved in assisting financial organizations and independent investors in making well-planned, profitable acquisitions. The resources of FinSer are available to assist you in:
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MANAGEMENT ADVISORY SERVICESAll too often, financial institutions are less profitable than they can be because expenses go unchecked and income opportunities are missed. We offer a variety of services aimed at helping you operate more efficiently while controlling expenses:
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VALUATION SERVICESThe first step is to get a firm handle on what your financial institution may be worth today as well as in the future. Since many financial institutions' stocks are not publicly traded, an independent valuation may prove invaluable. It may also serve to satisfy other regulatory requirements. Depending on the circumstances, we can base an evaluation on information you provide, or on an in-depth analysis covering a wide range of current and future factors. Our Valuation Services include general analysis, using information you provide, to determine the fair value for ESOP purchase, sale of limited shares, gifts, estate, and other regulatory and legal requirements.
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REGULATORY AGREEMENT COMPLIANCE SERVICESWe provide assistance in complying with agreements entered into with regulatory authorities. Our understanding of the regulatory authorities' requirements helps you respond in a timely and efficient manner. Our goal is not only to help you comply with the current requirements, but to help ensure the underlying problems are solved.
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EDUCATIONAL SERVICESHelp is available when you need it. Our staff is knowledgeable in a wide range of areas and we provide customized services to meet your educational needs. For example, seminars and classes are available to help you understand and manage interest rate risk and investments. Our staff prepares detailed interest rate and economic reports, and has contributed articles to several industry journals. We also publish Prime Considerations-a periodic newsletter for the financial services industry.
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