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financial-advice · 2 years

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Best Financial Advice Books Everyone Should Read

Advice Only Financial Advice

Rich Dad Poor Dad - Robert Kiyosaki

This book was written by Robert Kiyosaki after his father passed away. He took what he learned about money and business and created a book that would teach others how to become rich. He talks about the importance of education and learning about money early on. He then goes onto explain how to find work you enjoy and make money off of things you already do.

The Millionaire Fastlane - MJ DeMarco

MJ DeMarco talks about how to start making money at any age and how to build wealth. He explains how to change careers without having to go back to college, how to invest money for retirement, and how to travel the world almost forever.

How To Be A Full-Time Wealthy Person - JL Collins

JL Collins writes about how to achieve financial freedom if have a high income. He talks about many different ways to increase earnings and create passive income.

The Richest Man In Babylon - George S Clason

George S Clason talks about how to inherit money and turn it into billions. He teaches people how to invest their money in ways they might not have thought about.

The $100 Startup - Ryan Carson

Ryan Carson talks about how to launch a company and earn over $100,000 in just 2 years. Through trial and error, he has been able to perfect the system and offers insight on how to start a profitable and successful company.

The Cashflow Quadrant - Robert Kiyosaki

Robert Kiyosaki talks about how to use cash flow to make money, pay debts, save money, and plan for long-term goals.

The Art Of Travel - Rick Steves

Rick Steves writes about how to travel the world and experience everything we never had time for before.

Advice Only Financial Advice

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humaninvestingllc · 8 months

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Website : https://www.humaninvesting.com

Address : 525 3rd St. Suite 200, Lake Oswego, OR 97034

Phone : +1 503-905-3100

We serve the pursuits of individuals, families, and companies with tailored financial planning and advice.

#financial planner #fiduciary financial advisor #retirement plan services #retirement planning #wealth managemen

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generallovemiracle · 2 years

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Components of Financial Planning that Need Your Attention

Wealth management is a critical aspect of reaching retirement. Financial planning should start as soon as an individual begins their working career. Starting to think about your financial future at an early age is wise. In addition to starting early, the second key is to work with an efficient financial advisor Murfreesboro TN. There are a few components of financial planning that require attention and a CERTIFIED FINANCIAL PLANNER™ will help you manage these areas. The components are:

Investment Planning: A financial planner will help build an investment portfolio that meets your risk profile within your retirement time frame. They have the tools to guide you in the right direction.

Cash Flow Management: Once retired, setting a realistic budget will allow your built up savings to last for the necessary period of time identified within your plan.

Retirement Planning: Upon retirement, a financial planner will review your investments and determine the correct asset mix to meet your cash flow goals and adjust portfolio risk if necessary.

Receiving financial planning help from an experienced financial planner can help you become more comfortable with your financial path. Have you been looking for a financial advisor who can help, but cannot decide who to choose? Consider William Bevins, CFP®.

As an experienced retirement planner in College Grove TN, he understands the financial planning process. William will write a comprehensive financial plan and make un-biased recommendations.

Once your plan is written he will help select suitable investment recommendations that will help you reach your retirement goals. The financial services he offers include financial planning, wealth management, retirement planning, employer retirement plans, etc. So, make sure to visit his website for further details!

About William Bevins:

William Bevins is a CFP® and fiduciary financial planner College Grove.

For more information, visit https://williambevins.com/

original source: shorturl.at/AFJW9

fiduciary financial advisor financial advisor Murfreesboro financial advisor Nashville wealth management nashville

#fiduciary financial advisor #financial advisor murfreesboro #financial advisor nashville #wealth management nashville

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avenueinvestment · 2 years

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We are an independent private wealth manager, trusted fiduciary and partner-owned firm. We focus on helping clients achieve financial stability over the long-term. Our mission is to help you compound your wealth by generating consistent returns over time, with as little risk as possible across all market environments.

#financial planning #wealth management #financial advisor #wealth managers #fiduciary financial advisor

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ronalddavis · 2 years

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Get on a no-obligation 1-on-1 call with a fiduciary financial advisor in Los Angeles to find direction for your investment goals. Now is the time to make a move!

#fiduciary financial advisor #financial advisor los angeles #best financial advisors in los angeles #financial planner los angeles

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vantagefinancialwi · 6 months

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Vantage Financial: Your Expert Financial Guide in Wisconsin

Vantage Financial is your trusted expert financial advisors in Wisconsin, committed to navigating you through the intricacies of fiscal management. With a team of seasoned professionals, we offer personalized financial solutions tailored to your unique needs. Whether you're planning for retirement, investing, or seeking mortgage advice, we provide comprehensive and strategic guidance to optimize your financial portfolio. Our client-centric approach fosters a relationship built on trust and transparency, ensuring that your financial goals align seamlessly with our expertise. At Vantage Financial, we empower you to make informed decisions, securing a prosperous financial future in the heart of Wisconsin.

#financial planner in wisconsin #best financial advisors in wisconsin #fiduciary financial planner

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juliuswealthadvisor · 1 year

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#best fiduciary advisors #asset management advisor #advisory investment service #fiduciary advisory services #the financial advisor #the investment advisor

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winthroppartners · 1 year

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Keys to Investing in Down Trending Markets: Perseverance, Patience & Optimism - Winthrop Partners

In the investment business, the primary risk is market volatility. Make sure you balance volatile assets like stocks with less volatile assets such as bonds. If you are concerned about your investments in today’s down-trending markets and you would like to benefit from a conversation with an experienced and impartial fee-only fiduciary like Winthrop Partners, visit https://www.winthroppartners.com/ or call us at (305) 676-7568.

#investment management services doylestown #investment management services buffalo #investment management services pittsburgh #investment management services philadelphia #fiduciary buffalo #fiduciary doylestown #fiduciary pittsburgh #fiduciary philadelphia #financial advisors philadelphia

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oliversansom811 · 1 year

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For all the financial investors and advisors, the past year has been a rough ride. Unfortunately, we all had to deal with deteriorating asset prices, record inflation, skyrocketing rents, and concerns of the impeding recession followed by the pandemic led many experts to rethink on the aspects of financial planning

#fiduciary financial advisor florida

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femmefatalevibe · 11 months

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Femme Fatale Guide: Products & Services Worth The Splurge

Fashion:

A great couple of bras in black/nude (your best skin-toned shade)

Comfortable, breathable, and seamless underwear

Outerwear (Coats, jackets, blazers)

The perfect pair of jeans

An LBD that works from day to night

Comfortable, sturdy, sleek, and timeless footwear (a versatile black boot, a black heel, white sneaker, and a black flat/loafer/sandal)

A timeless and versatile crossbody or shoulder bag (a larger one for the daytime/work or school and a smaller one for nighttime/events)

One or two well-made classic jewelry item(s)

A conversation-starting item or accessory

Beauty:

Sunscreen

Any skincare/skin cosmetic products that are game-changers for you

A quality hair brush, comb, and hair towel

Your signature scent

A quality razor/hair removal product

Vitamin C/Retinol serums

Reliable hair tools and sturdy nail tools

A quality hair heat protectant/scalp cleansing or conditioning spray

Makeup brushes and beauty tool cleaners

Home:

Lamps/lighting

Couch/desk chair

Everything for your bed: Bed frame, mattress/sheets/pillows, etc.

Knives

Dishwasher-safe and microwave-safe dishes & cups you love

A full-length mirror

Vacuum

Storage solutions/cedar blocks or moth balls

Quality holders for everything: Paper towels, shower storage, hooks, mailbox/key bowls

Name brand paper products/household cleaners

Electric toothbrush & Waterpik

Sound-proof headphones/Airpods

MacBook Air

Health & Wellness:

High-quality lettuce and/or sprouts

Organic frozen fruits and vegetables (if fresh is too pricey)

BPA-free canned goods

Potassium bromate & glyphosate-free grain products

Snacks free of artificial colors

Quality coffee

An at-home massage tool/heating pad

Fur products for skin/hair removal

Vitamin C/Retinol serums

Quality running shoes

Anything that goes near your vulva or into the vagina: Sex toys, lube, condoms, toy cleaners, pads/tampons/menstrual cups, cleansing wipes, etc.

A yoga mat, resistance band, and a pair of small ankle weights

Spotify subscription

Books and audiobooks

Services:

Therapy

A top-tier haircut

House cleaning (even if it's only once every couple of months)

Top-tier hair removal/brow maintenance services of your choice

Best doctors, dentists, OB/GYN, and dermatologists you can get

At least one personal training/styling session in your life

Professional/Social:

Ownership of the domain for your full legal/professional name and/or business name

A CPA/bookkeeper/fiduciary financial advisor

Automation workflow/content management system software

A lawyer for contract review/LLC services

Personalized stationery/"Thank You" cards

Memorable client gifting for the holidays/milestone successes

Niche skill-based certifications (Google, AWS, Hubspot, etc.) or courses made by trusted professionals in your field

Subscriptions in world-leading and industry-authority digital publications

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mostlysignssomeportents · 7 months

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Biden wants to ban ripoff “financial advisors”

I'll be at the Studio City branch of the LA Public Library on Monday, November 13 at 1830hPT to launch my new novel, The Lost Cause. There'll be a reading, a talk, a surprise guest (!!) and a signing, with books on sale. Tell your friends! Come on down!

Once, American workers had "defined benefits pensions," where their employers promised to pay them a certain amount every year from their retirement to their death. Jimmy Carter swapped that out for 401(k)s, "market" pensions where you have to guess which stocks will be valuable or starve in your old age:

https://pluralistic.net/2020/07/25/derechos-humanos/#are-there-no-poorhouses

The initial 401(k) rollout had all kinds of pot-sweeteners that made them seem like a good deal, like heavy employer matching that doubled or even tripled the value of every dollar you put into the market for your retirement. But over the years, as Reaganomics took hold and workers' power ebbed away, all these goodies were clawed back. In the end, the market-based pension makes you the sucker at the poker table, flushing your savings into a rigged casino that is firmly tilted in favor of finance barons and other eminently guillotineable plutocrats.

Neoliberalism is many things, but most of all it is a cult of individualism. The fact that three generations of workers are nows facing down retirement without pensions that will provide them with secure housing and food – let alone money to see the odd movie, buy birthday gifts for their grandkids, or enjoy a meal out now and then – is framed as millions of individual failures, not a systemic one.

In other words, if you are facing food insecurity and homelessness after a lifetime of hard work, it's because you saved wrong. Perhaps you didn't save enough (through a 40-year run of wage stagnation and skyrocketing housing, health and education costs). Or perhaps you saved wrong, making the wrong bets on the stock market. If you can't afford to run your air conditioner during a heat dome, that's on you: you should have been better at stocks.

Apologists for this system will say that you don't have to be good at stocks – you just have to pay an Independent Financial Advisor to pick the stocks for you and you'll be fine. But IFAs don't work for free! What if you can't afford one?

Enter "predatory inclusion" – the practice of offering scammy, overpriced and substandard products to poor people and declaring it to be a good deed, because otherwise, those poor people would have to do without. The crypto bubble relied heavily on this: think of Spike Lee and others shilling for pump-and-dump scams as a way of "building Black wealth":

https://www.nytimes.com/2021/07/07/business/media/cryptocurrency-seeks-the-spotlight-with-spike-lees-help.html

More recently, Intuit and other scammy tax-prep services have argued against the IRS's plan to offer free tax preparation as bad for Black and brown people, because it will deny them the chance to be deceived and ripped off with TurboTax:

https://pluralistic.net/2023/09/27/predatory-inclusion/#equal-opportunity-scammers

Back in 2018, Trump won the predatory inclusion Olympics, when his Department of Labor let the Fifth Circuit abolish the "Fiduciary Rule" for Independent Financial Advisors:

https://www.investopedia.com/updates/dol-fiduciary-rule/

What was the Fiduciary Rule? It said that your IFN had to put your interests ahead of their own. Like, if there were two different funds you could bet on, and one would pay your IFN a big commission, while the other would be a better bet for you, the IFN couldn't put your retirement savings into the fund that offered them a bribe.

When Trump killed the Fiduciary Rule, he proclaimed it a victory for poor people, especially Black and brown people. After all, if IFNs weren't allowed to accept bribes for giving you bad financial advice, then they would have to make up the difference by charging you for good advice. If you couldn't afford that advice, well, you'd have to make bad retirement investments on your own, without the benefit of their sleazy self-dealing.

The Biden Administration wants to change that. Biden's Acting Labor Secretary is Julie Su, and she's very good at her job. Last spring, she forced west coast dockworkers' bosses to cough up the contract they'd stalled on for a year, with 8-10% raises for every worker, owed retroactively:

https://pluralistic.net/2023/06/16/that-boy-aint-right/#dinos-rinos-and-dunnos

Su has proposed a way to reinstate the Fiduciary Rule, as part of the Biden Administration's war on junk fees, estimating that this will increase retirees' net savings by 20%:

https://prospect.org/labor/2023-11-07-julie-su-labor-retirement-savers/

The new rule will force advisors who cheat their clients to pay restitution, and will require them to deliver all their advice in writing so that this cheating can be detected and punished.

The industry is furious, of course. They claim that "The Market (TM)" will solve this: if you get bad retirement savings advice and end up homeless and starving, then you will choose a different advisor in your next life, after you are reincarnated (I guess?).

And of course, they're also claiming that forcing IFNs to stop cheating their clients will deny poor people access to expert (bad) advice. As the Financial Services Institute's Dale Brown says, this will have a "negative impact on Main Street Americans’ access to financial advice":

https://www.fa-mag.com/news/legal-challenge-predicted-for-new-dol-fiduciary-proposal-75257.html

Here's that rule – read it for yourself, then submit a comment expressing your views on it. The government wants to hear from you, and administrative law requires them to act on the comments they receive:

https://www.federalregister.gov/documents/2023/11/03/2023-23782/proposed-amendment-to-prohibited-transaction-exemptions-75-1-77-4-80-83-83-1-and-86-128

Su is part of a wave of progressive, technically skilled regulators in the Biden administration that resulted from a horse-trading exercise called the Unity Task Force, which divvied up access to top appointments among the progressive wing and the finance wing of the Democratic Party. The progressive appointments are nothing short of incredible – the most competent and principled agency leaders America has seen in half a century:

https://pluralistic.net/2023/10/23/getting-stuff-done/#praxis

But then there's the finance wing's appointments, like Judge Jacqueline Scott Corley, who ruled against Lina Khan's attempt to block the rotten Microsoft/Activision merger (don't worry, Khan's appealing):

https://pluralistic.net/2023/07/14/making-good-trouble/#the-peoples-champion

Perhaps the worst, though, is Biden's Secretary of Commerce Gina Raimondo, a private equity ghoul who did a stint for the notorious wreckers Bain Capital before founding her own firm. Raimondo has stuffed her department full of Goldman Sachs alums, and has sidelined labor and civil society groups as she sets out to administer everything from the CHIPS Act to regulating ChatGPT.

As Henry Burke writes for the Revolving Door Project and The American Prospect, Raimondo's history as a corporate raider, her deference to the finance sector, and she and her husband's conflicts of interest from their massive stakes in companies she's regulating all serve to undermine Biden's agenda:

https://prospect.org/economy/2023-11-08-commerce-secretary-gina-raimondo-undercutting-bidenomics/

When the administration inevitably complains that its popular economic programs aren’t breaking through the media coverage, they’ll have no one to blame but themselves.

The Unity Task Force gave us generationally important policymakers, but ultimately, it's a classic "pizzaburger." If half your family wants pizza, and the other half wants burgers, and you serve them something halfway in between that makes none of them happy, you haven't made a wise compromise – you've just made an inedible mess:

https://pluralistic.net/2023/06/17/pizzaburgers/

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/11/08/fiduciaries/#but-muh-freedumbs

#pluralistic #julie su #fiduciary rule #intergenerational warfare #aging #retirement #401ks #old age #pensions #finance #pizzaburgers #Gina Raimondo

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financial-advice · 1 year

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What Is a Fiduciary Financial Advisor ?

A Advice Only fiduciary financial advisor is a financial advisor who is legally bound to act in the best interests of their clients. This means that a fiduciary financial advisor is required to prioritize the interests of their clients above their own and to disclose any conflicts of interest that may affect the advice they provide.

Fiduciary financial advisors are held to a higher standard of care than non-fiduciary financial advisors, and are required to provide clients with full and complete disclosure of all material facts related to the advice they provide.

#Fiduciary Financial Advisor #fiduciary #financial advisors

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quillium · 2 years

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Childe being the boss of a bank while being Absolutely Feral

The Tsaritsa sending Childe, A Boy From The Countryside Who Never Had Any Formal Schooling, to run her bank: This is going to be the funniest thing ever

In Childe’s head, accountants cover everything to do with numbers, so when he’s in doubt, he just assumes someone’s job is “accountant”. This is almost never true. Vlad is a bodyguard, he literally stands outside the bank doors, WHY WOULD YOU THINK HE WAS AN ACCOUNTANT--

Childe: Haha yeah I’m an accountant! Ekaterina, exhausted: You are not. But points for trying.

Childe, very proud: I work at a BANK! Nadia, who knows that Childe basically just fights people without Actually Working and is the office’s baby: That’s right, honey 😊

Every night Childe gets tutored by someone who does work in the bank on various financial matters and he becomes ridiculously financially savvy even for a twenty-something working in a bank

Childe is crazy good at understanding money if you give it to him in terms of fighting-related things. “Wow, ten of these are worth one Dull Sword!”

Childe who doesn’t understand why people can’t just fish for a living. It’s simple. You find a good cave, set up a fire, and catch fish whenever you’re hungry. His employees are horrified. Childe, is this why you’ve been eating so much fish lately. Childe, are you just catching your own fish despite being one of the most well-paid men alive. CHILDE--

Someone shows up for an appointment with a bank advisor, and Childe, who is HORRIBLY disappointed after learning this truth, pulls them aside and is like, “You know they’re not a fiduciary, right? Banks just want to make money. They don’t actually care about you.” His employees are like. You literally are the boss of this bank can you please stop chasing away business

Childe watching a fisherman about to buy mutual funds or something: “You need to understand that they take a 2% management fee off this, which doesn’t sound like a lot, but in fact if you compare it to products from places that aren’t our bank, you could lose a lot in the long run--”

“Childe banks aren’t a scam” “Okay then explain why Andre the accountant taught me to always be careful about mutual funds with high MERs and then immediately tried to sell that same bad example mutual fund to a client HMMM”

Childe who honestly thinks the concept of money is a scam. Why can’t we just all fish and hunt meat together and share food.

Childe’s employees are ALL scrawny paperwork office job people so they’re like. Childe we can’t. Just hunt down wild boars. That’s primitive and we don’t have muscles.

Childe backseat driving to other people’s financial decisions and they’re like can you please get this twenty year old out of my face while I decide on mortgages. Childe doesn’t even give good advice he’s just really freaking annoying

#genshin impact #childe #tartaglia #ajax #genshin ekaterina #genshin vlad #genshin nadia #northland bank fam au #why are there so many tags to tag :/ sir :/#'quill why is your content so outdated' i haven't played in a long time okay TT i haven't even unlocked the chasm i'm so behind TT #the way that i didn't even like childe and don't even have him but i still make so much content for him. okay clown.#everyone coming in like 'sumeru is SO good and amazing and [insert any chara from sumeru] is SO good you'd love them' and i'm like #i KNOW and i am SO excited but unfortunately i will probably not be playing anytime soon rip #life is meant to be enjoyed at your personal leisurely pace and i am for sure doing that but also.#can i enjoy it at a faster pace so that i can get hyped with my friends over new updates please

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generallovemiracle · 2 years

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Financial Advice For The Millennial Generation

Starting a career can be a fun time for millennials. A new job, career, and a steady income is something to celebrate. Knowing how to manage this new income can be overwhelming in today’s time.

Creating a household budget, accounting for monthly expenses or even paying for taxes can be complicated. When money is left over, some can be set aside for the future. Investing even becomes a possibility.

Here are a couple of ideas to begin the process. For more ideas and to learn how to get on track consult a financial advisor Nashville TN.

•To begin, millennials who have just begun working need to start thinking about their financial future from the ground up. Make a log of where your money goes each month. Keeping track of spending will help identify what money is being spent wisely and what spending can be eliminated, helping your ability to save. Once your budget is set and there is a little left over, consider putting some away for a rainy day.

Most financial professionals recommend having three to six months worth of savings put away for emergencies. Don’t forget about investing. An IRA or 401(k) would likely be something to establish at an early age. Asking an experienced financial advisor for help would be advisable.

•In addition to spending and investing, individuals should focus on protecting other aspects of their lives as well. Using insurance to protect against liability risk should be considered. Insurance can be acquired to protect your ability to earn a living using disability insurance. Possessing a will can also be an important part of family planning.

As a millennial, it’s never too early to begin thinking about these planning techniques.

If you want to know a Nashville financial planner who specializes in providing financial education to young adults, contact William Bevins. He began his professional career in 1996. William Bevins is a professional financial adviser who has dealt with a variety of scenarios. His expertise and understanding are two reasons why people seek his advice. Furthermore, he assists customers in developing customized financial strategies that are tailored to their needs. If you want to know more about him and his strategies for millennials, make sure to check out his website.

About William Bevins:

William Bevins is a fiduciary money manager and investment advisor who can help you with wealth management.

For more information, visit https://williambevins.com/

original source: shorturl.at/dnr13

#nashville financial advisor #millennial financial advisor #fiduciary money manager

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avenueinvestment · 2 years

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We are an independent private wealth manager, trusted fiduciary and partner-owned firm. We focus on helping clients achieve financial stability over the long-term. Our mission is to help you compound your wealth by generating consistent returns over time, with as little risk as possible across all market environments.

#financial planning #wealth management #financial advisor #wealth managers #fiduciary financial advisor

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ronalddavis · 2 years

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Your financial stability has a lasting impact on social mental health! During Social Wellness Month in July, meet financial advisors! You will get to hear about new investment avenues, and experiments, and get involved in financial therapy.

#fiduciary financial advisor #financial advisor los angeles #best financial advisors in los angeles #financial planner los angeles

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