Sentences with phrase «certified financial planner with»

Charles Benway, a CPA and certified financial planner with Main Street Financial in Mount Kisco, N.Y., told me many owners are not aware that when they pay down their original mortgage amount over a period of years, their acquisition debt for federal tax computation purposes declines.

«Everything over that number is gravy,» says Linda Lubitz, a Miami - based certified financial planner with Woolf & Lubitz.

Dave Baker, a property manager and a certified financial planner with Baker & Associates in Spokane, Wash., says the cushion is especially critical for rookies: «People new to the business who've never lived on commission income are very optimistic, and many quickly go bankrupt because they're undercapitalized.

This week, those questions get answered by Walt Romatowski, certified financial planner with Castellan Financial Advisors in Roseville, Calif..

You can confirm details of the tax law, but don't weigh in on how it affects a client's particular tax situation, says Forrest Baumhover, a tax expert and certified financial planner with Tampa, Fla. — based Westchase Financial Planning.

«Self - employed real estate practitioners should have no interest in a Roth,» says Ric Edelman, a certified financial planner with Edelman Financial Center, Fairfax, Va., and the author of The Truth About Money (Georgetown University Press, October 1996).

Jill Boynton is a Certified Financial Planner with Cornerstone Financial Planning.

In the objective, refer to yourself as a certified financial planner with vast customer service experience or as a CPA with advanced management training.

Career Summary: Worked as a certified financial planner with 14 years of experience with multinational financial institutions.

If a need is temporary, such as covering college costs or a mortgage balance, term insurance is the way to go, says Carolyn McClanahan, a certified financial planner with Life Planning Partners in Jacksonville, Fla..

The most important thing is that a policy should be large enough to pay for the insured person's funeral expenses and outstanding medical bills, take care of outstanding debts, and meet long - term goals such as children's college tuition, says Brad Huffman, a Certified Financial Planner with Future Finances Inc. in Worthington, Ohio.

Because of all those guarantees, you have a higher ongoing cost or premium,» says Russell Fox, a Certified Financial Planner with Apex Wealth Management Group in Oxnard, Calif..

«From an income protection standpoint, I don't see a need for most people to have life insurance at the point of retirement,» says Brad Levin, a certified financial planner with Householder Group, a financial planning company in Encino, Calif. «If they do, they're probably going to need a policy for just a few years anyway.

They really protect against the totally unexpected, not a life - expectancy - type death,» says Kay Lynn Mayhue, a Certified Financial Planner with The Botsford Group in Atlanta.

«People think automatically of home and auto insurance and have a comfort level with them,» said Juli McNeely, certified financial planner with McNeely Financial Services and immediate past president of the National Association of Insurance and Financial Advisors.

No one knows which will be the best investment, said Ashley Foster, a certified financial planner with NXT: Gen Financial Planning.

If an advisor suggests that you take the lump sum and then buy an annuity, ask how that's better than just getting the checks from the original retirement plan, said Jim Ludwick, a certified financial planner with MainStreet Financial Planning in Odenton, Md..

In a subsequent exchange of emails, Erotocritou (a certified financial planner with Investors Group) said Ottawa made a mistake when they named it a Tax Free «Savings» account, when they should have named it a Tax Free «Investment» Account:

According to Neal Frankle, a Los Angeles - based Certified Financial Planner with Wealth Pilgrim, deposits of up to $ 250,000 per financial institution are «backed by the full faith and credit of United States Government, so it's pretty solid.»

Start with a laddered - bond ETF like the iShares DEX Short Term Bond Index Fund (TSX: XSB) as part of your core holdings, suggests Chris Rawles, a certified financial planner with RT Mosaic.

Deciding whether or not a house is a good investment comes down to good, old - fashioned budget analysis, says Vicki Campbell, certified financial planner with Ryan Lamontagne.

«These numbers are great, showing that Canadians are taking control of their own savings for retirement and are ensuring that they take care of themselves,» says Annie Kvick, a certified financial planner with Money Coaches Canada in North Vancouver.

«Any investment offering steady returns is not a bad option — except for U.S. dividend - paying stocks,» says Vickie Campbell, a certified financial planner with Ryan Lamontagne in Ottawa.

«This means they could likely live off of $ 70,000 to $ 80,000 gross after moving back to Ontario, negating the child care costs and getting the debt paid off,» says Jason Heath, a certified financial planner with Objective Financial Partners in Toronto.

Jason Heath, Certified Financial Planner with Toronto - based Objective Financial Partners, highlights the many variables that go into the calculation.

To see how, consider the example of Sandi Martin, a fee - for - service certified financial planner with Spring Financial Planning, who prepares comprehensive financial plans for clients nationwide from Gravenhurst, Ontario, and who is also co-host of the Because Money podcast.

Mike Davies, a certified financial planner with Alterna Savings, suggested making the shift to safer investments when the student is around 14 or 15.

To help three Millennials achieve their money goals, we've enlisted Janet Gray, a certified financial planner with Money Coaches Canada in Ottawa.

Chris Garrido, a Tampa - based certified financial planner with the Westshore Financial Group, said he often wonders whether such warnings have a tangible impact.

Jeff Jones, certified financial planner with Longview Financial Advisors, has a simple process to determine how much debt is too much:

«The best way to find the best loan is to try a few different companies and actually go through the process of applying to see the official rate you would be getting,» says Erik Kroll, a certified financial planner with Hilltop Financial Advisors.

They also can increase your net worth — especially if you become an expert, said Bill Elson, a certified financial planner with Spectrum Financial Services.

If you're planning to retire elsewhere, Benjamin Sullivan, a certified financial planner with Palisades Hudson Financial Group in Scarsdale, N.Y., suggests moving or buying a second home while still employed.

Despite their concerns, the Dhaliwalls are accumulating a lot of retirement savings — and these savings will grow to almost $ 550,000 at even a modest 4 % net rate of return over the next 20 years, says Jason Heath, a certified financial planner with Objective Financial Partners in Toronto.

«Even if you're in debt and don't have the money to pay the CRA on hand, file your taxes anyhow,» says Allan Norman, a certified financial planner with Atlantis Financial in Barrie, Ont.

I've asked Jason Heath, a certified financial planner with fee - only firm Objective Financial Partners, to give his two - cents on each of them.

«If you're not careful, you can spend your way into a hole and create a mess for yourself,» says Joseph Ritter Jr., a certified financial planner with Zacchaeus Financial Consulting.

Most firms with such plans won't let you leave money in the plan, says Marc Lamontagne, a certified financial planner with Ryan Lamontagne Inc. in Ottawa.

«With a bit more understanding of how government benefits and grants work, she and her boys can continue having a comfortable life,» says Vickie Campbell, a certified financial planner with Ryan Lamontagne in Ottawa.

Ayana Forward, a certified financial planner with Ryan Lamontagne Inc. in Ottawa, agrees, adding that, «Phoebe worries because she doesn't know where she stands financially.

«I can look up my symptoms if I'm sick, but my doctor does it for a living,» says Sheila Munch, a certified financial planner with Durham Financial.

«If you invest too conservatively, you are giving up a lot of long - term performance, which can hurt your future retirement plan,» says Andreas Scott, a 20 - something certified financial planner with Collaborative Legacy Partners.

«We see the shoebox pulled out when a child turns 17 and parents are trying to figure out how to pay for college,» says Mike Mussio, a certified financial planner with FBB Capital Partners in Bethesda, Md..

says Janet Gray, a certified financial planner with MoneyCoaches Canada.

Vickie Campbell, a certified financial planner with Ryan Lamontagne in Ottawa has a different view.

«They're into the environment and like biking and walking,» says Ayana Forward, a certified financial planner with Ryan Lamontagne in Ottawa.

Even though the Silverbergs are willing to take a high level of risk with their investments, they don't necessarily need to take this much risk, says Shannon Dalziel, a certified financial planner with PWL Capital Inc. in Toronto.

«Investing in a home or your education is also a good use of debt — but the education debt has to be thoughtful debt,» says Vickie Campbell, a certified financial planner with Ryan Lamontagne in Ottawa.

«They strike me as being two very capable people who are surrounded by a lot of noise which leaves them feeling scattered,» says Julia Chung, a certified financial planner with JYC Financial in Vancouver.

Tom Feigs, a certified financial planner with Money Coaches Canada ran the numbers and believes Dereck and Heather should reach their goal of generating $ 48,000 in net average annual income for life.