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by Missy Hexum
Retirement, kids’ college costs, student loan debt, mortgage, car payments, credit card bills – the list of financial obligations goes on and on and on.
It can be overwhelming to figure out what to prioritize, but that’s where your financial advisor comes in. A holistic approach to financial planning means more than guiding you toward retirement. It means taking all of your goals into account and working with you to help you achieve them.
We’re all working to retire. That’s the ultimate goal. Planning allows you to have additional goals. If you want to retire by a certain age, buy a second home or pay for your kids’ college, those goals need to be considered with the rest of your financial plan, not as separate destinations. Everything is intertwined.
A 60-minute review with Bell is all it takes to get started. Here’s how a review with me usually works:
I can give you the best possible advice if I have a full picture of your financial situation.
Sometimes a couple of dollars here or there can make a big difference. It’s not only how much you’re contributing, but what you’re contributing to. We’ll look at both.
If you don’t plan, you don’t know where you’re going to end up. Someone who wants to retire early will need to save more than someone who wants to work into their 70s.
Something like buying a second home or paying for your kids’ college while saving for retirement and paying down debt might seem impossible – until we take the time to map out how to plan for those goals.
A big part of my job is to inform clients about things they might not think about. Some of those considerations include life insurance, long-term care, gifting and estate planning.
Even a plane on autopilot needs a little correction from time to time. If you go in the wrong direction for a long period of time, it takes that much longer to get back on course.
For many people, retirement doesn’t feel like a priority until they can see it on the horizon. Financial planning is a lot easier the earlier you start, but I can help you no matter where you are on your journey to retirement. Give me a call to get started.
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Investing and wealth management products are not FDIC insured, have no bank guarantee, may lose value, are not a deposit and are not insured by any federal government agency.