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Financial Planning

Managing Money Well as a Couple

 

Managing Money Well as a Couple

 

What are the keys in planning to grow wealthy together?

 

Provided by Exemplar Financial Network

 

When you marry or simply share a household with someone, your financial life changes – and your approach to managing your money may change as well. To succeed as a couple, you may also have to succeed financially. The good news is that is usually not so difficult.

 

At some point, you will have to ask yourselves some money questions – questions that pertain not only to your shared finances, but also to your individual finances. Waiting too long to ask (or answer) those questions might carry an emotional price. In the 2017 TD Bank Love & Money survey consumers who said they were in relationships, 68% of couples who described themselves as “unhappy” indicated that they did not have a monthly conversation about money.1

 

Smart Financial Steps After College

 

Smart Financial Steps After College

A to-do list for the twentysomething.

 

Provided by Exemplar Financial Network

 

bigstock-Group-of-young-adults-in-busin-small.jpgDid you recently graduate from college? The years after graduation are crucial not only for getting a career underway, but also for planning financial progress. Consider making these money moves before you reach thirty.

Why You Want a Retirement Plan in Writing

 

Why You Want a Retirement Plan in Writing

Setting a strategy down may help you define just what you need to do.

 

Provided by Exemplar Financial Network

 

bigstock-A-blue-nametag-sticker-with-small.jpgMany people save and invest vaguely for the future. They know they need to accumulate money for retirement, but when it comes to how much they will need or how they will do it, they are not quite sure. They will “wing it,” hope for the best, and see how it goes. How do they know they are really contributing enough to their retirement accounts? Would they feel less anxious about the future if they had a written plan? 

Why Having a Financial Professional Matters

 

Why Having a Financial Professional Matters

A good professional provides important guidance and insight through the years.

 

Provided by Exemplar Financial Network

 

financial advisor bigstock small.jpgWhat kind of role can a financial professional play for an investor? The answer: a very important one. While the value of such a relationship is hard to quantify, the intangible benefits may be significant and long lasting.

 

A good financial professional can help an investor interpret today’s financial climate, determine objectives, and assess progress toward those goals. Alone, an investor may be challenged to do any of this effectively. Moreover, an uncounseled investor may make self-defeating decisions.

 

Some investors never turn to a financial professional. They concede that there might be some value in maintaining such a relationship, but they ultimately decide to go it alone. That may be a mistake.

Avoiding the Money Pitfalls of Past Generations

 

Avoiding the Money Pitfalls of Past Generations

Take these financial lessons to heart.

 

Provided by Exemplar Financial Network

 

bigstock--218804002.jpgYou have a chance to manage your money better than previous generations have. Some crucial financial steps may help you do just that.

     

Live below your means and refrain from living on margin. How much do you save per month? Generations ago, Americans routinely saved 10% or more of what they made, either depositing those savings or investing them. This kind of thriftiness is still found elsewhere in the world. Today, the average euro area household saves more than 12% of its earnings, and the current personal savings rate in Mexico is 20.6%.1

Tips for Starting a Business

 

Tips for Starting a Business

Read this before your new venture starts up.

 

Provided by Exemplar Financial Network

 

bigstock-Start-line-on-the-highway-conc-180761905.jpgAiming to start a business? What steps could you take that might promote success and longevity for your company? Here are several.

 

Write a business plan. You will have a tough time attracting an investor without one. Potential hires may want to see your business plan as well. Your plan should establish milestones for your company and include metrics by which you can judge your success. It should detail your revenue model, incorporate an analysis of your competition and the changes that may affect your industry, and contain a marketing strategy.

Your 2018 Financial To-Do List

Your 2018 Financial To-Do List

Things you can do for your future as the year unfolds.

 

Provided by Exemplar Financial Network

  

bigstock-Christmas-Concept--Red-small.jpgWhat financial, business, or life priorities do you need to address for 2018? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward specific objectives, from building your retirement fund to lowering your taxes. You have plenty of options. Here are a few that might prove convenient:

Are There Blind Spots in Your Insurance Plan?

 

Are There Blind Spots in Your Insurance Plan?

Deficient coverage may cost you someday.

 

Provided by Exemplar Financial Network

 

bigstock-Insurance-small.jpgMany households and businesses are insufficiently insured. The problem is not necessarily the quality of coverage, but the breadth and depth of it. Your own business or household may be more vulnerable than you realize.

 

Too many people go without disability insurance. If you work in a physically demanding field, your employer may provide short-term disability coverage – but many companies do not. According to the Bureau of Labor Statistics, just 39% of workplaces offer employees short-term coverage, and only 33% offer long-term coverage.1

Will Debt Spoil Too Many Retirements?

 

Will Debt Spoil Too Many Retirements?

What pre-retirees owe could compromise their future quality of life.

 

Provided by Exemplar Financial Network

 

bigstock-A-senior-adult-couple-sitting--small.jpgThe key points of retirement planning are easily stated. Start saving and investing early in life. Save and invest consistently. Avoid drawing down your savings along the way. Another possible point for that list: pay off as much debt as you can before your “second act” begins. 

 

Some baby boomers risk paying themselves last. Thanks to lingering mortgage, credit card, and student loan debt, they are challenged to make financial progress in the years before and after retiring.

Financial Priorities Young Families Should Address

Financial Priorities Young Families Should Address

Wise money moves for parents under 40.

 

Provided by Exemplar Financial Network

 

bigstock-Happy-family-in-the-pool-small.jpgAs you start a family, you start to think about certain financial matters. Before you became a mom or dad, you may not have thought about them much, but so much changes when you have kids.

 

Parenting presents you with definite, sudden, financial needs to address. By focusing on those needs today, you may give yourself a head start on meeting some crucial family financial objectives tomorrow. The to-do list should include:

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Have you met your team?

We have a wealth of experience in the financial services industry.

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