10 Ways I Help Clients

Here are the top 10 items I discuss with clients.

1.       Portfolio management & accumulation – “What investments are best for me? Do my current accounts need adjusting? How do I grow my accounts? How do taxes affect my accounts?”

2.       Retirement planning – “How much money will I need in retirement? How can I save enough to live comfortably during retirement? How will taxes affect me in retirement?”

3.       Where to start or pick back up – “How do I start investing? Or I haven’t contributed to my accounts in awhile, so how do I start investing again?”

4.       Financial organization – “Should I pay off debt or invest? What order should I pay off debt in? Which investment accounts should I invest in first? What about after that? How do I simplify my cash flow?”

5.       Account organization – “Why do I have accounts in different spots? How do I simplify? Do I have beneficiaries listed? Are they up-to-date? Is my other personal information listed correctly on my accounts?”

6.       Life Changes – “I just got married. I just had a child. I just moved. What financial adjustments do I need to make?”

7.       Budgeting – “What am I spending money on? Do I need to make adjustments?”

8.       Behavioral Finance – I’m nervous the market will crash soon. What should I do? Should I buy? Should I sell? How do I view money in general? Is that healthy? What can I change to feel better about my attitude toward money?

9.       Financial Encouragement – “Do I compare myself to others instead of focusing on what I can do to better prepare financially? Maybe I’m doing better than I think?”

10.   Education – “I don’t know what a stock or mutual fund is. I don’t know what an IRA or Roth IRA is. What’s the difference between a 401(k) & 403(b)? How do I learn?”

* Please talk with me about your specific situation. I never charge for meetings or advice; I only get paid directly from accounts that I manage.