Accredited Asset Management Specialist SM
Chartered Mutual Fund Counselor SM
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Affiliate Disclaimer
If you are looking for a fee only financial planner specializing in financial planning, wealth management, divorce planning, business planning and tax planning, we offer financial planning tools to make the process easier.
My goal is to provide a source of financial information and tools to assist you in getting the information you need to reach your financial goals and to becoming a savvy investor and consumer. You will find sections devoted to financial planning, starting your own business, consumer tips, saving money while traveling and personal development.
I offer personalize service if you need any specific financial planning services which include comprehensive financial planning, portfolio management, divorce planning, estate and tax planning. Call or email me for further information: free initial consultation.
Financial Planning
A Financial Planner™ is a specialist, who through a specific financial planning process, objectively assesses their clients' current financial status, identifies problem areas, and recommends appropriate actions to provide comprehensive, client-based financial planning.
Financial Planning
The financial planning process consists of six steps
that help you take a "big picture" look at where you are financially.
Using these six steps, you can work out where you are now, what you may
need in the future, and what you must do to reach your goals.
Whether you are seeking investment advice, money manager or investing in the stock market, research is a valuable resource when deciding on what to buy and when to sell. Listed under the Wealth Management section you will find some valuable resources to help you get the most from your portfolio.
The Wealth Management Section will provide you with information on stock market research resources : includes Wall Street Journal, Barron's, MarketWatch, Investor Business Daily, Value Line, Zacks Investment Research and Morningstar. Another resource is ADVFN a financial data website offering stock quotes, charts, financials, news , portfolio, and real time data.
Divorce Planning
Divorce Planning combines money disciplines like accounting, financial planning, tax planning and applies them in the potentially superheated environment of a divorce. The goal of divorce planning is to reach a fair and "equitable" settlement. You are expected to make rational decisions at a time of emotional turmoil and in a setting that does not lend itself to rational decisions.
Within the
Divorce Planning section I have
provided you with several resources including eBooks that covers divorce
issues such as child support, alimony and common mistakes. In
addition I have provided you with a mini course that guides you through
the divorce process. Finally if you wish to save your marriage, there is
a resource available as well. Select Divorce Planning section for
further information.
Business Planning
A guide to building a new business, maintaining an existing business and valuation of a business when seeking financing or sale of a business. Under the Business Planning section you will find business software reviews, free software tools, books and other business related products. Select Business Planning section for further information.
Income Tax Planning
Providing guidance for limiting your tax liability and providing assistance when dealing with IRS on audits and collections. Select Income Tax Planning section for ideas on tax software, eBooks on how to deal with the IRS concerning back taxes and other issues.
Financial Life Coach
Select Financial Life Coach section for consumer related tips dealing with many aspects of financial planning such as budgets, insurance, investments, taxes and cost saving strategies.
Business Consulting
Starting and operating a home based business - How to chose a business classification, business tax issues, retirement plans for self-employed, accounting, marketing and sales, computer automation and web site design. Internet Marketing advice, specifically affiliate marketing. Select Business Consulting for further information.
Money $ense
This educational guide will be to help you acquire financial wealth by providing money saving strategies, creating and staying on budget, debt management, selecting the right type of insurance. We will also review employee benefit programs such as retirement plans, health coverage, life insurance, disability coverage and other options made available from employers.
Select Money $ense for consumer tips and various financial services & products featuring Amazon and Wal-Mart for price comparison shopping. On a lighter note you will also find a section called Discerning Lifestyles which covers consumer products such as coffee, wines and chocolates.
Travel $ense
Travel $ense - a travel guide for the savvy traveler looking for travel ideas while getting the best value for their money. You will find a wealth of travel information, tips on getting travel discounts and travel marketplace to search for travel related products and services. Select Travel $ense for one stop shopping for travel bargains.
Wellness Coach
Wellness Coach - working towards your own unique and optimal state of well-being. By mentally preparing yourself to handle change, you will set yourself up for many future successes. In other words, wellness is about thriving not just surviving. Select Wellness Coach section for further information.
Current Market News & Review
| Current | Prior | As of date | Trend | |
| Dow Jones Index | 25,827.36 | 25,015.55 | Jul 02 2020 | Up |
| Nasdaq Index | 10,207.63 | 9,757.22 | Jul 02 2020 | Up |
| S&P 500 Index | 3,130.01 | 3,009.05 | Jul 02 2020 | Up |
| Wilshire 5000 Index | 31,739.10 | 30,683.80 | Jul 02 2020 | Up |
| Market Volatility Index | 27.68 | 34.73 | Jul 02 2020 | Down |
| Inflation | 0.12 % | 0.33% | May 2020 | Down |
| Savings I Bonds | 1.06 % | 2.22 % | Effective end of Oct 2020 | Down |
| Savings EE Bonds | 0.10 % | 0.10 % | Effective end of Oct 2020 | Unchanged |
| Nat'l Avg. 1 yr. CD | 0.88 % | 0..90 % | Jul 02 2020 | Down |
Week Ending Jul. 02, 2020
Shorten trading week as the markets were closed on Friday. All the above indices moved higher from the previous week with the VIX (fear index) dropping.
S&P 500 Index SPY - YTD increased to -2.07 %, one year at 7.41%, three year at 11.01 % and five year annualize return is standing at 10.7 %
Financial articles that might be of interest in:
For further information on US Savings bonds visit the link provided at Treasury Direct a government website,
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Obamacare Part I - Will Insurance Companies Survive ... - (You'll be notified by email with new articles from your favorite authors.) Seeking Alpha PRO helps fund managers: Research new investment ideas; Reduce risk. Find out if PRO is right for you: Full Name. Work Email. Phone.
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Best 100K Investment Ideas | Welfare ALA - When deciding what to invest in, various factors must be taken into account. For instance, how much risk does this investment face and how does this risk level.
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Spring Check-Up: 5 Investment Ideas For Your Portfolio ... - Since my colleagues and I put out our 2014 outlook late last year, much has changed and the economic backdrop has shifted. Severe weather had a significant.
Financial Life Coach Series - Updated 7/26/14
Financial Life Coach - This will be an on going series , a step by step guide to achieving one's life goals. To read Prior Articles select the link.
Money Saving Tips
The following multi week series will offer money saving tips that I found in a recent article published by AARP (American Association of Retired Persons)
1. Electric consumption - Turn off lights when you don't need them and unplug electrical appliances or use a smart power strip to cut power to devices that are in standby mode. Savings up to $100 annually.
2. Low Flow Shower Head - Want to save money on your water bill, install a low-flow shower head and you could save up to 3,000 gallons of water per year.
3. Ceiling Fans - If you owe any ceiling fans reverse your ,fans, you should find a switch allowing the fans to reverse direction , which will pull up the cool air and send down warmer air.
4. Home Energy - To save money on your home energy bill, make sure your windows and doors are properly insulated. Keep your thermostat turned up or down depending on season and turn off lights when not needed.
5. Water heater - Consider lowering the temperature on your water heater and even lower when gone for extended period of time like during vacation.
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