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Our Owner, David Wertz is Retiring so we are no longer taking clients
This Financial Planning discussion is aimed at pepole in their 50s and 40s. At this age your children have either left home or soon will be. The big event facing you is retirement. We can tell your options and help you chose the course that is best for you.
There are two part to a Financial Plan
Preparing for Retirement
The most important fact a Retirement Plan has to deal with is that you will be retired a long time. For example, when a couple retires at age 65 there is a 50% chance that one member of a couple retiring today will live to age 95. This long time in retirement has serious consequences.
How We can Help
Given the above, a Retirement Plan is a must and just having a retirement saving account like a 401(k) or IRA doesn't qualify as a plan. Instead, a retirement plan consists of a knowledge on your part of the assets you will need when you retire and a plan to get there. We can show you what you need and create the plan that is right for you.
As our page The Advantage of Saving Sooner shows, almost as important as the amount you save is the return you get on your savings. As the recommendation and our Investment Advice page shows we are have an excellent investment success record.
Paying for College. If you still have children in or close to going to college you have more options than you probably realize. Let's talk about them.
We will help you sift through the options and help you decide what is best for you. Because we are Fee Only advisors you can be confident that the advice we give is objective and unbiased.
Protecting what you have checklist
We will be glad to discuss the kinds and amount of insurance that you should have. Note that we not only have the expertise you need but as Fee Only advisors you will have confidence that the advice we give is objective and unbiased.
We are fee-only financial advisors, which means that we receive no commissions or fees from the sale of the products we recommend. This is important because many of the financial products that we and other Financial Planners recommend have traditionally been sold by paying commissions to the person who recommends them. Because we get no commissions we are objective and guided solely by what is best for you.
WHY a House is More of a Liability than an Asset
A house more of a liability than an asset because it meets the definition of a liability. Namely, a liability is something that costs you money both now and in the future. As everyone knows, maintaining a house and paying taxes on a house is very expensive.
Of course, everyone needs a place to live so we are not telling you not to buy a house. What we are saying is:
You should buy/keep the house that you need NOT the house you can afford.