Educational Planning
Ensuring that your children have enough money to attend college is not always an easy task. Developing a sound savings plan requires an effective goal and the proper guidance. Learn about your college savings options, evaluate which methods are best for your family, and develop a sound strategy that will ensure that your child has the resources necessary to succeed.
Insurance
Protecting yourself, your family and your assets from risk is an important aspect of a sound financial strategy. Learn how life and disability insurance can provide for your and your family in times of need, how medical insurance can help cover medical bills, how long term care insurance can ease the financial burden of caring for a loved one for a prolonged period of time, and how annuities can provide recurring income.
Risk Management

Risk management is the key component in financial planning. It is a cyclical process of identifying, analyzing, evaluating and treating loss exposures and monitoring risk control and financial resources to lessen the adverse effect of loss through uncertain economic condition. Risk analysis and management is necessary to have a well-diversified portfolio. Financial Risk Management focuses on how to balance losses/gains by using financial instruments to manage exposure to risk. With the growing abundance in liquidity, there is a risk of sudden and sharp increase of volatility in financial markets. Since future is uncertain and financial environment always keep changing, risk management will help to improve the performance of the existing financial resources by analyzing and identifying any future threat. While managing financial risk, Investment risk is ideally divided into inflation risk, market risk, interest rate link, credit risk on returns on vivid assets. It curbs the risk of suffering of any deficit at the times of covering future liabilities. Financial risk managers demonstrate superb skills while analyzing, controlling and assessing investment risk for individuals. They provide variety of functions and solutions related to risk management enabling you to be on the safer side of your financial goals. By combining comprehensive risk management planning with financial planning, risk managers assures a healthy financial return over investments made. Due to Growing economy, globalization and volatility of assets both risk and opportunity is getting closer in an accelerating pace leading to emergence of risk management. To plan your finances strategically by analyzing and assessing potential risk and uncertain future, managing financial risk have become very important.


Financial Planning for Individual

To reach your financial goal is like a trip. You need to drive your financial planning through challenges and obstacle to reach the destination of financial security. Financial planning is complex and it requires considering lot of investment choice and factors. Financial planning depends from person to person, financial planning of one individual may not suite others. But everyone wants to secure their financial future. Thus, it makes sense to consult a financial planning for individual to shape and build your financial goals.

No matter if you want to retire early, buy a house, want to plan for your childs education or want to look after ageing parents and whatever ambitions, you need to have a structured personal financial plans in order to employ your money effectively to achieve your personal desires.

Important things to be kept in mind while considering individual financial planning is about time frame to achieve your financial goal, identification of risk, your liquidity needs, expected growth of income and standard of living. Financial planners truly empower you to achieve your goal by considering your important conditions. Financial planners develop a tailored plan to your individual needs. Whether you are retired, need college funding for your kids or just want to maximize your wealth you need a financial planner on every step.

Financial planner collects your financial data, determine the objectives, analyze and frame financial plan, make recommendation, implement and finally review it to provide you the fullest financial security. Good financial planner can reduce the stress involved I managing your individual financial planning so that you will have better control on your money and will be able to make more effective financial decisions.


Taxes
Paying taxes has become a routine part of our daily lives. We pay taxes on our income, our purchases and our investments. Developing an effective tax strategy for minimizing payouts can help you save additional money. Learn the tax basics, how to maximize deductions, how to minimize estate taxes, and what tax concerns you should focus on.
401K-Rollover

401k rollover is used when you wish to rollover your 401k retirement plan into a new IRA (Individual Retirement Account). It typically occurs when you change employer or retire and wish to rollover into a new IRA instead of deciding to take lump sum amount with possible tax penalties or to keep funds with old employer (if it is allowed). 401(k) rollover allows you to avoid immediate tax liabilities and keep your money as tax-deferred income. Know about 401(k) rollover to improve your financial outlook and security for future.

IRA is not an investment it is an account that holds future investments on your behalf such as stocks, bond, mutual funds and money market funds. You have the choice of choosing between traditional IRA and a Roth IRA. A Roth IRA will have an impact on your taxable income, but a traditional one does not.

401(k) is funded with pre-tax dollars, and grow tax-deferred. It means any premature withdrawal prior to age of 59 1/2 by you will land your money with taxes on all you have rolled over and on top of that additional 10% penalty will be charged. 401(k) rollover is a pretty good deal if you are not in urgent need of money. Many people will still land up paying penalty because they dont know how to do a rollover.

A good 401(k) rollover planner can be a wonderful guide in helping you to map a good investment strategy. They will be able to provide you advice on maximizing future monetary advantage through 401(k) and by advising on changes that will improve your financial outlook and security.


Financial Advice & Consulting
With so many options available for investment and retirement, effectively choosing and managing which ones will help you and your family realize financial stability can be a daunting task. A financial professional helps you create a sound financial strategy, giving you time to relax and enjoy life. Learn what the role of the financial advisor is, how to choose and evaluate a financial advisor, and how best to evaluate your advisor?s ongoing performance.
Portfolio Management
Choosing the right investments for your portfolio requires proper planning and diligence. Making the right decisions will bring you closer to realizing your personal financial goals, while making the wrong decisions can make this process more complicated. Learn how stocks, bonds, mutual funds and alternative investments, effectively managed through the right asset allocation, will help you create a sound portfolio strategy.
Retirement Planning
Proper early planning can mean the difference between a comfortable and a stressful retirement. The earlier you start the more wealth you can build, and the easier you will find your later years. Learn about 401(k)s, Individual Retirement Accounts (IRAs), Social Security and pensions. Discover retirement strategies that will make your retirement years fulfilling and relaxing.
Estate Planning
You have worked hard to provide for your family?s future, now ensure that you are effectively accumulating and managing your assets for future generations. Learn about wills, trusts, charities, choosing beneficiaries and the role of the estate executor as you design your personal estate plan.
Wealth Management

Wealth management is a Financial Service concept offering wide range of Financial Services to individuals and groups which include basic elements like estate planning, asset management and even private banking option. It is for high net worth Individuals but small business and family also seek assistance to manage their finances efficiently. It is exactly what it says- it is about managing your wealth.

Although there are many institutions who offer plans for saving but the requirement of a government employee will be slightly different than from those who are self employed. This is where the wealth Management interposes with pros and cons of each and every plan. Wealth management assists you to establish and develop actionable strategies to control your wealth and defend it against any uncertain odds. It is a professional service which is a mix of investment advice, account/tax services as well as legal and estate planning. It is also helpful for those who are just planning to grow their assets. Largely it is a comprehensive solution to achieve individuals financial goals.

As it is said that money is easier to earn then kept, management of wealth is a specialized service and to render this service requires skilled professionals. You need smart managers for your wealth. Wealth managers understand the financial requirement at different life stages and offer a comprehensive wealth management plan to cater the ever changing financial needs. Their task is to analyze the current financial situations and structure the future goals. An experienced wealth management advisor can explore new avenues for your money. Wealth manager will empower you by providing quality information and advice to make informed and structured financial planning decision according to you particular needs, wants and concerns. Learn about wealth management to formulate wise investment decisions for your family, business and lifestyle.


Money Management
Have you wondered what really money management means?

Money Management revolve round the word called risk and it includes proper strategies to manage money by reducing risk. This service is used to proficiently utilize financial assets and there are several elements like investment, budgeting, banking and taxes for smooth management of money in order to yield the highest value for any amount spent.

Primarily the task of Money management is to fluently roll the process of Budgeting. This ensures that an Individual or business is managing their financial obligations in a proper way with the income received within the same span of time. Savings is another means which contributes to create financial security. It involves the process of diverting surplus funds towards interest bearing investment account. Money management also includes taking healthy investment decisions. It makes certain about reaching desired financial goals without taking more risk than required.

Failure in managing money leads to financial earthquake. It will harm your savings which will make it difficult to hold on to investments made. Thus in order to survive from it you will have to check your spending and investments.

Choosing the right management option for your money requires personalized service. Money managers give personalized service, an individualized portfolio and ongoing management. It looks after the budgeting, saving, investment, spending and over all cash usage of an individual or group. It pre-dominantly looks after large pool of funds for individual or group. It analyzes the risk a business house or an individual should take in uncertain situations. Manager chooses appropriate financial steps for the client by establishing budgets and analyzing cost and income to achieve risk free money management. Empower yourself to take better control of your money by using the services of a Money Manager.


Budgeting and Saving
Creating a personal or family budget is one of the cornerstones of a sound financial strategy. Effectively managing how you and your family spend income today can help you plan for the future as well as for unexpected events. Learn how to assess your financial situation, set goals that you can strive to reach, and develop a plan that will help you accomplish your goals.
Annuity

Annuity is a financial product sold by financial institutions. It is usually connected with insurance companies and contains funds which are set aside for a certain period of time. Annuities in your financial planning provide a considerable benefit on your retirement. An annuity is a type of insurance policy that provides a regular income in exchange for a lump sum. It is primarily used as a medium of acquiring a fixed cash flow during retirement years for an individual. The money invested in annuity is returned in increments as guaranteed income plans for a stipulated period of time, such as 10 years and 15 years or may be the duration of ones life.

It is offered by different institutions but the common feature of all annuities is that they provide guaranteed returns over a fixed period of time and tax-deferral status. This can be treated as a fixed reliable income for future.

It will not be a wise decision for everyone to purchase annuity plan. It is compatible for those who have fixed monthly income, have large amount of money, won a lottery or lawsuit settlement recipients. But thorough research is necessary to know and understand more about annuity and different types of annuity available for you. Advisors will certainly guide you to procure the best plan but basic knowledge about different annuities sold by financial institutions will help you to take right decisions. After all its you who will be contributing for your own future.

Before getting into any Annuity contract, it is better to look around. Advisors will help you to identify the suitable annuity which will best suit your financial goals. Carefully review the options made available to you. Ask questions and analyze if the answers are in favor of your best interest. Doing this will help you determine a wiser advisor, company and annuity plan which will be right for you.


Real Estate
Owning a home is often considered one of the American dreams, but obtaining that dream requires proper financial planning and management. Learn about the factors that go into deciding to buy or sell a home, how mortgages work, and how real estate as a source of income might be right for you.
Business Finances
There are many hurdles that business owners must face. Articles in this section are meant to give you some guidance as you help your business grow and succeed. Learn how to develop a business plan for your new venture, navigate through the maze of retirement and insurance plans for your employees, develop methods to protect company assets, and create effective strategies to ensure that your business thrives for years to come.
Government and Economics
Regulations set forth by local, state and the federal government are constantly changing. Staying informed and up to date can help you understand what regulatory changes will have an effect on you, your family and your finances. Learn how changes in economic trends, monetary policy and savings rates might create a need to evaluate your financial situation

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