Sentences with phrase «certified financial planner at»

«Before thinking about where to retire, think about what you will be doing in retirement,» says Tom Murphy, certified financial planner at Murphy & Sylvest in Dallas.

«When considering having a parent come live with you, there are direct costs and indirect costs,» said Tom Murphy, certified financial planner at Murphy & Sylvestin Dallas.

«Parents, if financially feasible, may want to contribute to the household,» said Jean Keener, certified financial planner at Keener Financial Planning in Keller, Texas.

In the late 1990s, many universal - life accounts paid interest rates of 7 % to 8 % a year, says Jeremy Kisner, a certified financial planner at SureVest Capital Management in Phoenix.

Many Americans subscribe to the «let's wait and see» plan, said Samuel Rad, a UCLA instructor and certified financial planner at Affluencer Financial.

Back to fears creeping up right before flying: While you should pick beneficiaries and agents for worst - case scenarios, it's also not likely a plane will go down, killing your entire immediate family, said Quentara E. Costa, a certified financial planner at Pow Wow, LLC.

For such a volatile asset, it might be better to invest in cryptocurrency through a taxable brokerage account, said Hui - chin Chen, a certified financial planner at Pavlov Financial Planning.

With investment options ranging from simple stocks and bonds to complex derivatives, Linda Leitz, a certified financial planner at It's Not Just Money Inc., says, «Don't invest in anything fancy.»

«Outside of a lifetime annuity (which eliminates flexibility), most retirement income plans are unpredictable,» says Hank Brock, a certified financial planner at Brock and Associates, in St. George, Utah.

Don Roork, a Certified Financial Planner at AssetDynamics Wealth Management, has noticed a pattern with kids, adults and money.

Some people jump right to the third step and just buy shares of a single stock,» says Jason Heath, a certified financial planner at Objective Financial Partners in Toronto.

Shawn Tydlaska, a Certified Financial Planner at Ballast Point Financial Planning who works with clients to help resolve their debts, says that «The first step is writing down all your debts, putting down your current credit limits and interest rate, and then calculating your minimum payments and how much of your credit you're using.»

Stress test your portfolio: sign up for a free two - meeting assessment with a Certified Financial Planner at YourMoneyYourWealth.com

«If you're thinking about refinancing, now probably is the time to do it,» advises Lauren Cole, a certified financial planner at Consumer Report.

According to Mikel Van Cleve, a certified financial planner at USAA Bank, many of your purchases will be covered by liability protection if your card is lost or stolen when you're out of the country.

«Just imagine taking out a five - year 401 (k) loan during this current bull market at 30 or 35 years old — it could severely impact your future nest egg,» says Malik Lee, a certified financial planner at Henssler Financial in Kennesaw, Georgia.

Jamie Block, a certified financial planner at Wealth Design Retirement Services, said, «The federal student loan program offers various repayment schedules that provide flexibility personal loans can not offer.

«The stock market is pretty volatile,» said Kathleen Dollard, a certified financial planner at Nashoba Financial Planning in Boxborough.

Alim Dhanji, a certified financial planner at Assante Financial Management in Vancouver, says he has seen thirtysomethings turned down for mortgages because they have no credit history.

«I think fee sensitivity plays a big part in investing and even moreso as awareness of investment costs is building,» says Jason Heath, a fee - only certified financial planner at Objective Financial Partners in Toronto.

«There are a number of things that can dig a hole in your retirement savings,» says Patricia Jennerjohn, a certified financial planner at Focused Finances in Oakland, California.

Jason Heath is a certified financial planner at Toronto - based Objective Financial Partners and he explains that when you die, «Your RRSP is paid out to the beneficiary that you designate for that account.

«With most federal loans, we see interest rates hovering around 6.80 % and private loans higher,» says Adam Vega, a Certified Financial Planner at United Capital Financial Advisers.

«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.

«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.

It's important to focus on what you can do today as well as down the road, said Douglas Boneparth, a certified financial planner at Life and Wealth Planning in New York City.

«Leveling up your finances — and adding commas — will likely be a result of consistent, positive habits sustained over a long period of time,» says Jason Kirsch, Certified Financial Planner at

«Leveling up your finances — and adding commas — will likely be a result of consistent, positive habits sustained over a long period of time,» says Jason Kirsch, Certified Financial Planner at Marcum Financial Services LLP in Chicago.

Jason Heath is a certified financial planner at Toronto - based Objective Financial Partners and he explains that when you die, «Your RRSP is paid out to the beneficiary that you designate for that account.

says Anna Sergunina, Certified Financial Planner at Main Street Financial Planning.

«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 San Diego.

Not exact matches

Having worked at traditional financial planning firms since 2007, certified financial planner Sophia Bera quit her job in mid-2013 to launch her own company, Gen Y Planning, catering to millennial investors.

Lauren Lyons Cole is a certified financial planner and the editor of Your Money at Business Insider.

Lauren Lyons Cole is a certified financial planner and senior editor at Business Insider, overseeing money, travel, and lifestyle coverage.

Carolyn McClanahan, a certified financial planner and founder and director of financial planning at Life Planning Partners, sees opportunities in bonds.

Michael Egan, a certified financial planner and partner at Egan, Berger & Weiner, LLC, says that a minimum of 15 % of your paycheck needs to be dedicated to retirement funds, and 20 % is ideal.

Davidson recommends looking for an adviser with at least 10 years of experience in financial planning and who has a CFP (certified financial planner) designation, which is considered the «gold standard» for financial planning.

Hanson, a certified financial planner, is a senior partner at Hanson McClain Advisors in Sacramento, California.

A certified financial planner, Yeske is managing director at wealth management firm Yeske Buie and holds an appointment as Distinguished Adjunct Professor in Golden Gate University's Ageno School of Business.

Mendels is a certified financial planner and director of planning at Creative Financial Concefinancial planner and director of planning at Creative Financial ConceFinancial Concepts, LLC.

All young people can do is base their options on what the current health - care rules are today, said Carolyn McClanahan, both a certified financial planner and an M.D. «The number one thing young people need to do is continue to scream at the politicians to get some good health legislative policy in place,» said McClanahan, founder and director of financial planning at Life Planning Partners.

«If you're going to make a conversion, you have to pay taxes on that,» said Stein Olavsrud, a certified financial planner and vice president at FBB Capital Partners.

Households that spend $ 50,000 at age 65 tend to see a decline by about 15 percent over the next 15 years and 20 percent by age 85, according to Jonathan Guyton, a certified financial planner and principal at Cornerstone Wealth Advisors, in an article in the Journal of Financial financial planner and principal at Cornerstone Wealth Advisors, in an article in the Journal of Financial Financial Planning.

«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.

Unfortunately, that's often little or nothing,» says Steve Martin, a Certified Financial Planner and senior managing director at BKD Wealth Advisors in Chicago.

Scott Hanson, a certified financial planner, is a senior partner at Hanson McClain Advisors.

«We tell clients that we're indifferent to whether it's passive or active, from a philosophical standpoint,» said certified financial planner Shon Anderson, president and chief wealth strategist at Anderson Financial Stfinancial planner Shon Anderson, president and chief wealth strategist at Anderson Financial StFinancial Strategies.

«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.

Run your details through a life expectancy calculator like Livingto100.com or the True Vitality Test at BlueZones.com, said certified financial planner Carolyn McClanahan, director of financial planning for Life Planning Partners in Jacksonville, Florida.

To make sure waiting is a good option, work through all the potential claiming strategies available to you (and your spouse), said certified financial planner Megan Olson, a wealth manager at Accredited Investors Wealth Management.