Articles by Steven Stanganelli, CFP®, CRPC®
Paying for College Without Going Broke, Part 2
Spring is in the air and soon high school graduation caps will be too. But it is never too early or late to plan for the next step in a child’s education career. Deciding on a college or other post-secondary vocation school is based on a number of factors. But it should be clear that this is as much a business decision as anything else.
Working with a Pro: Preparing for Your First Visit
What services do you offer? What a financial planner offers is based on credentials, licenses and areas of expertise. Generally, financial planners cannot sell insurance or securities products such as mutual funds or stocks without the proper licenses, or give investment advice unless they are registered with state or Federal authorities.
5 Sure Fire Strategies to Lower College Costs
Paying for college is a daunting challenge. How you pay for it will impact your retirement. Regardless of where you send your kids to school, the bottom-line fact is this: How you pay for college impacts how much you save for retirement. For every dollar that you save on college costs means more for your personal retirement down the road.
Paying for College Without Breaking Your Retirement Nest Egg
Almost from the moment the wailing starts in the delivery room, parents start dreaming about college for the Little One. It doesn't have to be a nightmare. There are ways to pay for college without living like a monk or sacrificing your own retirement. The first in a series of college funding strategies begins here . . . PAYING FOR COLLEGE.
Top 8 Reasons to Use ETFs in Your Portfolio
While the market for open-end mutual funds is huge, the market for ETFs is large and poised for growth. As of 2006 there was approximately $600 billion invested and Morgan Stanley predicts that more than$2 trillion will be invested through ETFs by 2011.
First Steps to a Fresh Start After Divorce
After a marriage breaks up, about the last thing most people want to do is sit down with one more attorney. But no matter how old you are or whether you have kids, it’s important to consult both financial and legal experts to make sure you have an updated estate and financial plan for your new life once the divorce decree is final.
Separating the Wheat from the Chaff
Separating the Wheat from the Chaff …Trusting a Financial Advisor How can a client trust a Financial Advisor? There are over 650,000 folks with registrations to sell products of one kind or another. It is awfully confusing for a consumer to figure out which person is best suited to help them and has the consumer's interests (and not the advisor’s pocketbook) at heart.
Divorce May End a Marriage but Credit Issues May Last Forever
February, 2009With Valentine's Day just around the corner and the celebration of love and fidelity, it is somewhat incongruous to think about divorce. But every 'good-bye' leads to a new 'hello. ' And it is all the more important for smart individuals to prepare correctly with proper advice ahead of time so that each party can have a fresh start.
Planning After a Divorce ... What's Next to Protect Your Family
Make Estate and Financial Planning a First Step After DivorceAfter a marriage breaks up, about the last thing most people want to do is sit down with onemore attorney. But no matter how old you are or whether you have kids, it’s important to consultboth financial and legal experts to make sure you have an updated estate and financial plan foryour new life once the divorce decree is final.
Should I Contribute to My Roth IRA or Traditional IRA?
A Roth IRA is funded with after-tax money, but grows tax-free and qualified distributions are also tax-free. A Traditional IRA is funded with pre-tax money and grows tax-deferred. Qualified distributions from a Traditional IRA are taxed as regular income. In short, with a Roth IRA you pay the tax on your earned income first.
How Much Money Is Enough to Retire Now?
This question was recently asked in a discussion thread on www. linkedin. com and is common to what I am asked by individuals I meet. My response:Do you want a number or a process for determining the answer? Your lifestyle goals are critical for determining the retirement cash flow needed.
Latest Articles
By Steven Stanganelli
- Paying for College Without Going Broke, Part 2
- Working with a Pro: Preparing for Your First Visit
- 5 Sure Fire Strategies to Lower College Costs
- Paying for College Without Breaking Your Retirement Nest Egg
- Top 8 Reasons to Use ETFs in Your Portfolio