Sentences with phrase «than a financial planner»

If paying off credit card debt or other consumer debt is your biggest financial need, you're better off working with a qualified credit counselor than a financial planner.

According to Peter W. Johnson Jr., a Sunnyvale, Calif., financial planner, individual investors have more tools available — through the Internet — to them today than financial planners had just a few years ago.

Not exact matches

A certified financial planner, certified fund specialist and chartered financial consultant with more than 30 years» experience, Carson authored «Tested in the Trenches» and co-authored The New York Times best - seller «Avalanche: The 9 Principles for Uncovering True Wealth.»

Bush's portfolio consists of an unwieldy thicket of investments rather than a coherent plan, says Redondo Beach, Calif., financial planner Scott Leonard.

The corporate watchdog has permanently banned former Perth - based financial planner Simson Kwok from the industry for intentionally mishandling more than $ 4 million of clients» funds while working for HSBC.

Society's «longevity risk,» as financial planners call it, has been a slow - developing crisis, more a rising tide than a sudden storm, so top investment minds have had some time to prepare for it.

The problem is, says Ottawa financial planner Marc Lamontagne, once you're used to a certain standard of living, it's harder than you think to trade down.

Most couples have some financial objectives with bigger costs and a more long - term outlook than a wedding, said Kevin Meehan, a certified financial planner and the regional president of Wealth Enhancement Group in Itasca, Illinois.

«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.

«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.

«If you see your targets are off by more than 4 percent to 5 percent, you should think about a rebalance,» said Christy Gatien, certified financial planner and first vice president and portfolio manager at D.A. Davidson & Co..

Consider Opening a Charge Card Joel Ohman, a certified financial planner and founder of CreditCardChaser.com suggests that entrepreneurs may be able to avoid high fees by taking out a business charge card rather than a business credit card.

«Automation creates a stress free, clear - minded environment for people to focus on more meaningful financial decisions, rather than day - to - day bills,» explains Certified Financial Planner Safinancial decisions, rather than day - to - day bills,» explains Certified Financial Planner SaFinancial Planner Samuel Rad.

Jim Barnash is a Certified Financial Planner with more than four decades of experience.

21:09 — Andy explains how Wealthfront uses data from various sources, including connected accounts, to determine the best plan for each user and to provide better financial outcomes than a traditional planner could conceive.

Rebecca Schreiber, a Certified Financial Planner in Silver Spring, Md., says the key is to determine your comfort level with a bank, rather than focusing on the institution's size.

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.»

Financial planning fees at AMP more than doubled after laws were introduced to ban unreasonable fees charged by financial planners andFinancial planning fees at AMP more than doubled after laws were introduced to ban unreasonable fees charged by financial planners andfinancial planners and prote...

Our members, representing more than $ 3 trillion in assets under management or advisement include investment management and advisory firms, mutual fund companies, research firms, financial planners and advisors, broker - dealers, banks, credit unions, community development organizations, non-profit associations, and asset owners.

Erik C. Olson, a certified financial planner with Arete Wealth Management said it's much easier to focus on the present than to think about the future.

«Our brains are wired so that something tactile in front of you that you can smell and feel is more real than something on your phone or a number in your bank account,» says Daniel Chong, a certified financial planner in Irvine, California.

«The media is inundated with suggestions on what to do with your portfolio, making investing seem more complex than it actually is,» says Oklahoma - based Certified Financial Planner

«The media is inundated with suggestions on what to do with your portfolio, making investing seem more complex than it actually is,» says Oklahoma - based Certified Financial Planner Shanda Sullivan.

The study suggests retirees use the required minimum distribution set by the IRS rather than the «4 % Rule» used by many financial planners, investors and retirees.

«You can bet correctly on the presidential election, but the potential damage from guessing wrong about what will happen [in the financial markets] is much greater than any benefit you'll likely see,» said certified financial planner Tim Maurer, director of personal finance for Buckingham and The BAM Alliance.

Contrary to what many financial planners suggest, some retirees are living on less than they expected while they were preparing for retirement.

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.

George is an attorney and Certified Financial Planner ™ and served as a Judge Advocate in the U.S. Navy for more than 20 years, including service in Newport.

Today more than ever, Certified Financial Planner ® professionals are an essential resource.

«It may not be harder today to fit in a visit to a financial planner or a trip to the gym than it will be a month from now.

Massachusetts, USA About Blog As a CERTIFIED FINANCIAL PLANNER ™ Professional, Steve has been providing financial, tax, retirement and college funding advice for more than 20 years to individuals, families and business owners.

Therefore, if you're shopping for life insurance and being pitched whole life (or currently have a whole life policy), compare the cost to a 20 or 30 year term policy, and discuss your decision with a financial planner, rather than just your insurance agent.

A financial planner can help create a plan to ensure you won't run out of money if you live longer than expected, he said.

Fred Kirby is a fee - for - service financial planner who writes an investment and retirement planning newsletter from the outskirts of Armstrong, B.C. Alan Fustey is a portfolio manager at Index Wealth Management in Winnipeg, and has been using ETFs with clients for more than a decade.

Rather than waiting for these events to occur you could proactively create a financial glide path with a financial planner.

While it can be more difficult to save up a down payment and qualify for a mortgage if you have significant student loan debt, before you give up on your dream of owning a home sooner rather than later, sit down with a calculator or a financial planner to see if it makes financial sense to buy a home now.

Rather than attempt the complex calculations necessary to arrive at an optimal strategy for drawing down and spending their retirement savings, retirees rely on easy - to - follow rules of thumb, such as the 4 % rule advocated by some financial planners.

«I suggest they take $ 10,000 and pick stocks, but no more than that,» says Tony De Thomasis, a financial planner and president of De Thomas Financial in Thornhfinancial planner and president of De Thomas Financial in ThornhFinancial in Thornhill, Ont.

(If you're sensible, your estimates will be less than the historical averages to build in a margin safety: most financial planners I know assume stocks will returns about 7.5 %.)

«Marina needs to get past the emotional part of establishing that she is financially independent and start focusing on what her goals are, because she has more than enough money to live a long and healthy life,» says Tom Feigs, a financial planner with Money Coaches Canada in Calgary.

Joseph A. Clark, CFP, RFC — Big Joe, a Certified Financial Planner (CFP) and Registered Financial Consultant (RFC), has been in the financial services industry for more than Financial Planner (CFP) and Registered Financial Consultant (RFC), has been in the financial services industry for more than Financial Consultant (RFC), has been in the financial services industry for more than financial services industry for more than 20 years.

That is according to market research firm Dalbar and its 20 years of Quantitative Analysis of Investor Behavior studies, though I prefer the less scientifically accurate «behavior gap» illustration from Carl Richards, a certified financial planner and the director of investor education for the BAM Alliance, a community of more than 130 independent wealth management firms throughout the U.S.

You're welcome to investigate Monte Carlo simulations with a financial planner (or even buy your own software that's been designed for consumers rather than professionals).

There is a great deal more to being a true financial planner than offering index funds / investment advice.

Typically speaking, an expert financial planner will define an affordable house as one with monthly payments that are less than a quarter of of your after - tax monthly income.

«Deduct every penny you're entitled to - but realize that if your itemized tax deductions are bigger than most people's at your same income level, your return may get a second look,» says USAA certified financial planner June Walbert.

The newspaper's expert financial planner also said that amount was more than the average American could afford to pay.

Another explanation could be that married heterosexual couples are more likely to go together to a financial planner than are other types of couples.

Jason Heath, of Toronto - based fee - only planners Objective Financial Partners, leans to advising clients to defer CPP / OAS to 70 for those whose life expectancy is average or longer than average.

Therapists and financial planners say they're seeing more financial infidelity than ever before, perhaps because more and more marriages consist of two - income couples.