Are you seeking financial help? It's hard to maneuver through all of the financial mumbo jumbo and legal jargon and cut to the chase.
Being a teacher at heart, I'm glad you're here. I take pride in
explaining these sometimes complex financial planning-related topics in easy-to-understand language.
Did you know that tax advantaged accounts
like your Employer's 401(k) type plan, IRAs, and Health Savings Accounts are the
low hanging fruit of the investment world? You've got to max them out before
even thinking about investing elsewhere.
Why? Everything else being equal, you'll get a higher after-tax rate of return in these accounts than any other. Often conflicted professionals don't recommend taking full advantage of these accounts, or only recommend those off of which they can profit.
I know ways of contributing to these accounts that may not have occurred to you. Take advantage of every break your Uncle Sam affords. Just make sure to follow the rules, which are numerous and constantly changing.
Once you pick the right accounts, the next step is to come
up with an investment plan. If you're able to create, implement, and follow your own plan, you'll be one step ahead of pack. Doing so is not rocket science, despite what you might have been told by conflicted financial professionals.
It's better to keep your costs super-low and invest those
commissions and fees. I'll teach you how to implement a plan that maximizes
your returns and minimizes risk, plus steer you towards those low cost investments.
Low fees help amplify your returns. Even if you're a "dummy" when it comes to investing, it's easy to keep your total investment fees lower than one quarter of one percent per year.
That's the kind of financial help most professionals don't want you to know about.
As you gain more wealth, you’ll want to protect those assets as well as your loved ones. Estate planning is another topic with lots of information, confusion, and conflict.
Utilizing taxed advantaged accounts is smart. So is protecting your loved ones, but don't forget about eating right, exercising, and maintaining a healthy body weight.
Strive to do well in all areas of your life, including saving and investing. That means setting personal, career, as well as financial goals. Don't forget to enjoy each moment and be happy. Everything is connected.