Sentences with phrase «not certified financial planners»

Most financial bloggers and journalists are NOT Certified Financial Planners and likely don't see clients at all.

I am not a certified financial planner, just a small business owner with a passion for personal finance.

Not exact matches

«Coming out of the depression the Silents just didn't have much and likely neither did their families,» says Heather Franklin, a certified financial planner in Toronto.

Don't waste money on someone to tell you something you already know,» writes Neal Frankle, a certified financial planner and owner of personal finance website Wealth Pilgrim.

It's «definitely an option,» certified financial planner Nick Holeman tells CNBC Make It, «but typically, the downsides mean it's not the best option.»

Amy Hubble, a certified financial planner, said HSAs can be a powerful retirement - savings vehicle for younger people and those without children, who typically don't have big medical expenses and are able to let their balances compound over long periods.

«This is the single - largest asset many consumers have, and they're not optimizing it, they're not getting the maximum income from it,» certified financial planner Ron Carson, founder and CEO of Carson Wealth Management Group, told CNBC.

«If you do not want to read the employee handbook, hire someone, such as a certified financial planner to do it for you.»

Douglas A. Boneparth, a certified financial planner who advises millennials and president of Bone Fide Wealth, told INSIDER that this social media «FOMO» is a societal problem, not just a generational one.

As a certified financial planner, I have to admit I didn't buy a lottery ticket — the odds just aren't good enough for my money, or anyone's for that matter.

Additionally, according to certified financial planner Robert Leitner, president of Financial Advisory Network, those who divorce and then remarry can not collect on their ex's accounts; unless they remarry after age 60, in which case they can collect survivor financial planner Robert Leitner, president of Financial Advisory Network, those who divorce and then remarry can not collect on their ex's accounts; unless they remarry after age 60, in which case they can collect survivor Financial Advisory Network, those who divorce and then remarry can not collect on their ex's accounts; unless they remarry after age 60, in which case they can collect survivor benefits.

Joan Sharp, a Certified Financial Planner with Life Strategies LLC in Wilmington, Del., says money means different things to different people, and some people may not want to talk about their spending habits.

«It's not just looking at numbers,» says Therese Nicklas, a certified financial planner and owner of The Wealth Coach for Women in Rockland, Massachusetts.

«The payee is going to have to make a gigantic change to their lifestyle, and if they're not working, they're out of luck,» added Justin Reckers, a certified financial planner, divorce financial analyst and CEO of WellSpring Divorce Advisors

«A client in her early 60s may have not yet begun to receive Social Security and is living off a portfolio which is providing her income which generates very little in taxes,» said certified financial planner Chad Hamilton with Mariner Wealth Advisors in Denver.

The deduction doesn't have to be for an entire room, if that section of a room is not used for personal purposes, says Cynthia Turoski, a certified financial planner and certified public accountant with Bonadio Wealth Advisors in Albany, N.Y.

PROS: One of the perks of stashing your dough under covers is not having to pay taxes on it, says Casey Weade, a certified financial planner and vice president of Howard Bailey Ffinancial planner and vice president of Howard Bailey FinancialFinancial.

Carolyn McClanahan, a certified financial planner and physician, believes there are some commonsense solutions to fixing the health - care system, and she feels the politicians are actually the problem and not the problem - solvers.

«If you are not disciplined enough, you can be much more inefficient than if you were at work,» says Howard Hook, a certified financial planner and certified public accountant with Access Wealth Planning in Roseland, N.J.

As an entrepreneur and a Certified Financial Planner, I'd encourage anyone who doesn't have a freedom fund to consider its power to help you run your business better.

«If you owe more than $ 1,000 at the end of the year and you don't qualify for one of the [exceptions], you will be penalized,» said certified financial planner and certified public accountant DeDe Jones, managing director of Innovative Financial in Lakewood, financial planner and certified public accountant DeDe Jones, managing director of Innovative Financial in Lakewood, Financial in Lakewood, Colorado.

«The biggest mistake a client can make when buying a QLAC, assuming the client doesn't need the income before 75 or so, is not purchasing a QLAC soon enough,» said Robert Klein, a certified financial planner and president of the Retirement Income Center in Newport Beach, California.

«For someone who doesn't need all the money now, [a QLAC] can be a valuable tax reduction tool,» said Gilbert Armour, a certified financial planner at Sagepoint Financial in Sfinancial planner at Sagepoint Financial in SFinancial in San Diego.

«There are people who can't do anything else, whose savings haven't been such that they can wait,» said certified financial planner David Mendels, director of planning at Creative Financial financial planner David Mendels, director of planning at Creative Financial Financial Concepts.

The first thing to emphasize with clients, said Roger Ma, certified financial planner and founder of financial planning firm lifelaidout, is not only their new home state's income taxes — if there are, indeed, any — but all its other taxes, such as property taxes, sales taxes, inheritance and estate taxes.

«Don't be too proud to apply for unemployment; you're not getting something for nothing,» explains Certified Financial Planner Gary Silverman, founder of Personal Money Planning in Wichita Falls, Texas.

«Unlike stocks, bonds or real estate, bitcoins, for example, do not generate income or pay dividends,» explains Certified Financial Planner Taylor Schulte of Define Financial.

«Unlike stocks, bonds or real estate, bitcoins do not generate income or pay dividends,» explains Certified Financial Planner Taylor Schulte of Define Financial.

Ray Ferrara, the former chairman of the Certified Financial Planner Board of Standards who's chairman and CEO of dually registered ProVise Management Group in Clearwater, Florida, noted on a panel discussion at the event that he expects his firm to shell out «less than $ 10,000 in our hard costs» to comply with the fiduciary rule, but didn't anticipate «any significant ongoing [compliance] costs.»

Well, the onus is on you, the parent, because you can't count on them learning about money matters in school, said Thomas Henske, a certified financial planner and partner at Lenox Advisors.

Michael Goodman, a certified financial planner, said that many of his clients who feared the worst about their new tax situation, were pleasantly surprised to find that it was not as bad as feared.

For people who don't feel comfortable with a completely automated portfolio, Betterment has a plan that allows you to talk on the phone with a certified financial planner.

FeeOnlyNetwork.comis not affiliated with the Certified Financial Planner Board of Standards Inc. in any way.

Legit, practical info — in human speak — from a Certified Financial Planner, so you don't get eff'd at tax time.

If you haven't already done so, when you're in your 60s is a good time to pull together a team of financial advisors, like a financial planner, a tax specialist and a certified public accountant.»

I am not an investment professional, registered investment adviser, certified financial planner, or anything of the sort.

«Certainly when it comes to investing, it's not something they're very familiar with so they're shying away from doing that,» said Lauren Lyons Cole, New York City - based certified financial planner.

«We're at this critical point where if we don't understand where our money goes, we will feel less and less in control of our finances as the years go on,» says Pam Capalad, a certified financial planner (and millennial), who owns Brunch & Budget in New York.

«If you do not invest, you are risking your future financial security,» says Certified Financial Planner Stacy Francis, CEO of New York - based Francis Ffinancial security,» says Certified Financial Planner Stacy Francis, CEO of New York - based Francis FFinancial Planner Stacy Francis, CEO of New York - based Francis FinancialFinancial.

«If you do not invest, you are risking your future financial security,» says Certified Financial Planner Stacy Francis, CEO of New Yorfinancial security,» says Certified Financial Planner Stacy Francis, CEO of New YorFinancial Planner Stacy Francis, CEO of New York - based

«if you're paying no premium, you can be sure there are lower benefits in some way and you won't know it until you go to use your insurance,» said Matt Chancey, a certified financial planner based in Orlando.

«If refinancing to a good rate is not possible, we recommend clients put all their energy into knocking it out ASAP,» says Daniel Wrenne, a Certified Financial Planner at Wrenne Financial Planning.

Also, I can not give you official investment advice because I am not an investment adviser registered with the SEC and I am not a CFP (certified financial planner), so if you watch the videos and you see me trading a certain ETF or stock please do not interpret it as a recommendation.

It is not uncommon to find a CPA who is also a Certified Financial Planner (CFP) or a Personal Financial Specialist (PFS).

The rigidity of budgeting is actually one reason they don't work over the long run for most people, says Certified Financial Planner Brad Klontz, author of «Mind Over Money» and co-founder of the Financial Psychology Institute.

And it's not likely your bank will present any choices other than their own, says Allen Katz, a certified financial planner in Staten Island, New York, who previously worked in banks as a financial advisor.

«These accounts are built to give people tax benefits in saving for college and people who aren't using them are missing out on those tax benefits and potentially have less money for college when it comes time to pay for that,» said Stuart Ritter, a certified financial planner with T. Rowe Price.

«People hear «dividend,» and they think «safety,» but it's just not true,» says Taylor Schulte, Certified Financial Planner and CEO of Define Financial in San Diego.

«RMDs aren't that tricky,» says certified financial planner Andrew Weckbach, founder of Scaling Independence in St. Louis, MO., «but there are wrinkles you need to be aware of.»

«Because the government isn't paying your interest, it accrues and is added to your balance,» explains Katie Brewer, a Certified Financial Planner at advisory firm Your Richest Life.