Money Wise: 4 Items to Discuss with a Financial Planner

Money Wise: 4 Items to Discuss with a Financial Planner
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    Setting up a meeting with a financial planner could be a step that can help you successfully navigate the future.


Financial planners have the training that can help you make wise decisions going forward, and their instructions can help you optimize your personal finances. You never know what unexpected expenses might arise in the future, so it’s best to have a plan in place. Here are four items that you should discuss in a meeting with a financial planner.


No one expects to die early, but many people do. If you’ve got a family that relies on you for support, you’ll need life insurance to take care of them should you die unexpectedly.

A wealth management provider will be able to steer you in the right direction so that you have enough coverage to protect your family. He or she should also be able to recommend a policy that can help you maximize the dollars you put toward insurance.


Taxes are unavoidable at some level, but a financial planner can provide advice that will help you legally minimize what you have to pay to the tax man each year.

There are a number of options that can help you defer the tax you’ll have to pay, and your financial professional should be able to give pointers that will show you how to spend down the nest egg you’ve accumulated in a tax-efficient manner during retirement.

Optimization in this regard could greatly increase your net worth over time because taxes are some of the biggest expenses most people have.

Retirement Funds

What type of retirement funds do you have available to you? Would a Roth or a Traditional IRA be more beneficial for your situation? What types of tax-advantaged retirement plans do you have available through your employer or as a small business owner? You might also have access to an HSA that could serve as a sort of backdoor retirement account. A financial professional can help you navigate these funds and optimize them to maximize your stash for retirement.

other valuable tips:

Emergency Funds

Personal finance gurus always recommend that people have an emergency fund. A financial planner will be able to look at your overall financial picture and give you a solid idea as to how much cash you should keep on hand at a given time. It might be a month, or it might be a year. Your financial planner will let you know.

These are just four of the benefits a financial planner can provide. There are also others. These professionals have to go through rigorous training and testing to earn their credentials. Just be sure to look for a planner who follows the fiduciary model because he or she will put your interests first. Now that is being money wise!

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