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Our Owner, David Wertz is Retiring so we are no longer taking clients
This Financial Planning discussion is aimed at people in their 30s and 40s. At this age you career is on its way, you probably are married and have children. In addition, you probably own a house and are possibly thinking about trading up.
There are two part to a Financial Plan
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 by commissions or fees on the products we recommend.
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 the house that you need NOT the house you can afford.
Getting where you want to be in the future
Make Saving a Priority because starting to save early not only lowers the amount you have to save each month but it also lowers the total amount that you need to save.
Paying for College Developing a plan to pay for college is complicated: The government offers a wide array of programs to assist in paying for college. However, it doesn't want to spend a lot of money on these programs so it places numerous restrictions on them designed to restrict their use to those with lower incomes. We can help you navigate the resulting complexities.
Retirement Plan. You will be retired a long time -- there is a 50% chance that one member of a couple will live to age 95. Thus, you will need in today's dollars a minimum of $150,000 for each $10,000 in income you need to replace because you are no longer working. We can help you develop a plan that will get you there.
How We can Help
With or without a Financial Plan you are making decisions today that affect your future. We can give you options and help you decide what is best 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.
We are Fee Only advisors who get no commissions on the products we recommend. Because we get no commissions, the advice we give will be objective and guided solely by what is best for you.