Making Better Financial Decisions

  • Want To Retire Early? 3 Penalties And How To Overcome Them

    17 November 2021

    Early retirement is something that many Americans dream of being able to accomplish. If your goal is to turn this dream into a reality in your own future, though, you must face some of the unique financial penalties that come with the territory. What are some of these possible penalties and how can you beat them? Here's what you need to know. 1. Early Withdrawal If you want to retire before age 59 1/2, any withdrawals from 401(k) plans will be subject to a 10% penalty.

  • What Can A Financial Consultant Help You With?

    15 September 2021

    Do you have questions about your finances, retirement planning, or budget? If so, have you considered hiring a financial consultant to help you with these things? A financial consultant can answer your questions about these things and provide advice and strategies to help you succeed financially. Here are some of the things a consultant can help you with. Develop a New Mindset About Spending Some people struggle with their finances due to their spending habits.

  • 3 Benefits Of Hiring An Investment Advisor

    20 July 2021

    When you've accumulated enough money to invest, you'll probably wonder whether you should go it alone or work with investment advisors. Indeed, you're putting a lot of money on the line, and you need a professional to guide you through the intricate tax, investing strategies, planning, and securities options. When you identify a seasoned advisor, they'll assess your financial capacity and get you closer to your investment goals. Often, making an investment decision comes with emotions.

  • How Payroll Services Can Help Small Businesses

    14 May 2021

    Small business owners take on a lot of responsibility every day. When your expertise lies within your company's industry, that can leave you struggling to deal with many of the other tasks that come with business operation. The good news is that there are ways to simplify things without having to expand your business faster than you're ready for. One such option is to invest in payroll services. Here's a look at why even small businesses can benefit from working with a payroll service provider.

  • How To Invest Money For Your Retirement Without A 401K

    5 March 2021

    Does your employer offer a 401k? While many do, there are still many who do not. If you do not have access to a 401k at your job, where should you invest your money for retirement? Some people do not save money for retirement, and they might end up without any cash to use when they finally stop working. Others, though, find alternative ways to invest for retirement. If you need some help with this, talk to a financial advisor.

  • Wealth Management Tips For Recently Divorced Individuals

    7 December 2020

    When you get divorced, a lot of things in your life change. While dealing with change is not easy, one thing that must be taken care of in a time like this is your finances. In fact, when you go through a big chance like this or a significant tragedy in your life, you need to sit down and take a close look at your finances and assets to see how they line up.

  • How Can You Plan For Retirement Today?

    9 September 2020

    Retirement planning is something many young people do not consider. Many people think that retirement planning is something you should not worry about until you actually near retirement. It is important to consider your future at any stage in your life, whether you are just entering the workforce or you are thinking about leaving it. If you are thinking about retirement, you might wonder what you can do today to plan.

  • 4 Money Management Tips for Successful Wealth Management

    30 July 2020

    If you want to retire without a lot of stress someday, you need to make sure you are managing your wealth now. Wealth management is a lifelong learning process, and if you do it right, you will end up with more money than you started with by growing your investments. Being able to grow your money through your investments allows you to build wealth without having to work for every penny.

  • The Bear Market: Hibernate Or Rebalance With Active Funds?

    6 July 2020

    During the current bear market, you may be questioning whether a passive or active investment strategy will help you achieve your financial goals. The debate over when and if active fund management outperforms passive fund management rages on. While passive funds have been widely reported to deliver a superior risk-adjusted investment, the bear market is shining new light on active performance management. Here's why many financial model portfolio building services will recommend a mixed portfolio of active and passive funds.

  • Three Ways a Financial Planner Can Help You with Debt

    22 June 2020

    Consulting a financial planner is one of the most effective steps you can take toward managing and paying off your debt. A professional can give you short-term relief by reorganizing your debt, help you set up a plan to pay it off long term, and address any spending and budgeting issues you may have in the meantime. 1. Short-Term Relief Depending on where your debt is—e.g. credit cards, student loans, mortgages—your financial planner will be able to help you in the short term by helping you organize your debt so it can be paid off easier.