Fee-Only Financial Planning

The 'Disgusting' Financial Practice Tony Robbins Wants You to Watch Out For

It sounds simple enough: Make an investment adviser put the interests of his or her clients ahead of his own.  But the rollout of the so-called fiduciary rule, approved by the Department of Labor during the Obama administration, continues to be delayed, as it faces fierce opposition from the financial industry.  For author and business strategist Tony Robbins, this lack of regulation around investment advice can be “disgusting.”

Learn more about this disgusting financial practice by clicking the link below.

What Is the Value of Hiring a Fiduciary Financial Advisor?

Advisors are worth up to four times the 1% fee they typically charge on assets under management, according to Russell Investments’ annual study on the value of a financial advisor.  In the past four years of this study, we have concluded that the value an advisor delivers to their clients materially exceeds the 1% fee they typically charge for their services.  

The way to improve your fiscal behavior, is to work with a qualified fiduciary financial planner.  With improved fiscal behavior an investor is less likely to make the types of mistakes many people make that can sabotage their financial success.  The real value in working with a fiduciary financial life planner goes well beyond investment returns.  Juggling all your financial puzzle pieces can be stressful and time consuming. Having a trusted Financial Planner to help you with all of this can be a huge weight off your shoulders.  

In 2017, we assess the value of an advisor to be approximately 4.04%.  Click below to learn why.  

Tony Robbins’ 10 Tips for Living Rich

If you want to be happy, but you’re having a tough time in life due to personal or financial issues, it’s important to take whatever steps possible — even small ones — to progress and grow.

This best-selling author’s advice has been featured prominently in magazines, digital media and in national televised media. He travels all over the country every month for events to inspire people in their lives and in business. 

Click the link below for some of Tony's top pieces of advice on how to change your mindset in ways that can have a positive impact on your life and your finances.

6 Surprising Money Habits of Millionaires

Most millionaires aren’t driving Lamborghinis and eating caviar. They’re driving reliable used cars and eating mashed potatoes and meatloaf. Millionaires aren’t wealthy because they’re lucky. They’re wealthy because they follow simple money habits year after year. Click below to learn more about Dave Ramsey's 6 Surprising Habits of Millionaires.  

7 Smart Ways to Lower Your Taxable Income

Reducing your taxable income is one of the most effective ways to lower your taxes, with some moves doing double duty as both deductions themselves and as a means to slide under income thresholds at which other taxes would kick in.


While it’s late in the year now, there's still time to take steps that will lower the amount of income you must report on your 2015 tax return. 

Take a look.

Here’s How Tax Rates and Brackets Will Change in 2016

The IRS just announced its inflation adjustments for next tax year.  The tax rules are changing in 2016.  

Click below to learn how the tax rates and brackets will change.  

6 'Must' Things To Have Before You Turn 40

Thus they say “life begins at 40.” It is true in a sense that most people should be stable, ideally, in all aspects of their life when they turn 40—the “prime” stage in a person’s life.

It is when you are 40 when you can do and be in your greatest potential—and at least, have already achieved the following:

How to Tell If You Are Ready to Retire

Most people's finances would be improved by another year spent in the workforce, but you also don't want to work for so long that you don't have time to enjoy the things you want to do in retirement. Here's how to tell if you are ready to leave the working world behind.

 

How To Get The Most Out Of Your Social Security Benefits

When to start taking Social Security benefits is one of the most critical factors influencing your financial security in retirement.  Sadly, studies show that most Americans are clueless about Social Security Benefits.  When and how to file for social security benefits is an important decision. With the right planning, and possibly deferral of your benefits, you can be guaranteed a return of 8% per year. Yes, 8% per year!  *

Why You Want To Use A Fee-only Financial Planner

Do you have money to invest, but you're not sure where to put it?  The stakes are so high in investing that you should consider fee-only planners. They'll give you a fixed price up front for their services, regardless of the product they recommend. You won't have to worry about conflict of interest.

The Supreme Court Just Made A Ruling that Could Boost Your 401(k)

On Monday, The Supreme Court of the United States ruled that workers can sue their employers over high fees in their 401(k) plan offerings.   

Should I pay off my debt or start investing?

Should I pay off my debt or start investing? This question, perhaps more than any other, has plagued investors for generations. Ironically, it is one that can be easily decided by using a bit of simple math.

Read more below:

Here's Why Children Should Have to Pay for Some of Their College

Want Your Kids to Succeed -- Don't Pay For Their Education!

Larger contributions from parents are linked to lower grades among students at a variety of four-year colleges.  A new national study has found that the more money parents pay for their kids’ college educations, the worse their kids tend to perform, at least when it comes to grades.

There’s a tendency among parents with the necessary means to feel they have to cover all of their children’s college expenses. While that impulse is incredibly generous, I’d argue that parents should have their children shoulder at least some of the financial burden. Children are more likely to value the educational opportunity they’ve been given if they have some skin in the game. 

Click below to read the entire Forbes article: