Details on how to fund the Village of Minooka’s $20 million stake in the Grand Prairie Water Commission that would bring Lake Michigan water to the city were reviewed by trustees at a committee of the entire workshop held last week. Village administrator Dan Duffy says a phased water rateRead More →
Inflation is everywhere these days – gas prices have skyrocketed, commodity prices are at astronomical levels and the costs of groceries like produce, meat and bread have soared sharply. That said, your corporate clients may struggle to keep their operational costs rising and maximize their profits. It has certainly beenRead More →
A solid financial plan should be created and implemented over time and reviewed regularly to ensure key areas such as taxation, investment performance, estate planning and lifestyle goals can be achieved . Here we look at some key issues around financial planning in Portugal that we help our clients with.Read More →
With a big debt paid on time, Virden City Council has plans for infrastructure, aesthetics and recreation A dozen local ratepayers attended a public hearing at Tundra Oil and Gas Place on May 10 for the presentation of the City of Virden’s 2022 financial plan. After reviewing the capital projectsRead More →
When I entered the financial services industry many years ago, people turned to advisors for investment information because there was no internet back then. Today, people are looking for counselors to help them sort through the overabundance of conflicting information posted on the Internet. With so much data, it isRead More →
When I entered the financial services industry many years ago, people turned to advisors for investment information because there was no internet back then. Today, people are looking for counselors to help them sort through the overabundance of conflicting information posted on the internet. With so much data, it isRead More →
When I entered the financial services industry many years ago, people turned to advisors for investment information because there was no internet back then. Today, people are looking for counselors to help them sort through the overabundance of conflicting information posted on the Internet. With so much data, it isRead More →
With all the uncertainty in the world, why not plan for your success? Financial planning is not a “one size fits all” approach. Real financial planning should consider all aspects of your past, present and future. If done correctly, it will guide you on the best path to achieving theRead More →
Saanich Council passed a five-year financial plan on Monday, which will see the district focus its funding on climate action and community wellness efforts. The financial plan, which runs from 2022 to 2026, was first presented to Council on March 1 in draft form and has since been refined inRead More →
Money / Financial Planning Natalia Lavrenkova / iStock.com We hear a lot about the terms “financial planning” and “financial plan” in the world of personal finance, but it’s not always clear what exactly that entails. And often, it’s easy to focus on just one aspect of your finances at aRead More →
When it comes to planning your estate or business, never feel like it’s too late or the current situation is too desperate to make a change. Growing up in Hollywood in the 80s, most of our substitute teachers were “on break” actors who were happy to share their unusual lifeRead More →
Powell River city councilors passed the 2022-2026 five-year financial plan and annual property tax rate by-law. At the May 5 council meeting, Councilor George Doubt, who chairs the finance committee, said the five-year plan had been the subject of a number of discussions between council and the finance committee. “It’sRead More →
Parksville Council gave three readings of the city’s five-year financial plan bylaw at its May 2 regular meeting. The plan defines the financial requirements for municipal services to carry out operations and projects for the next half-decade. Without council approval, many municipal expenditures would be delayed or halted due toRead More →
Lentrade America LLC Lentrade United Kingdom LTD The Lentrade LLC, an investment company has made known to the general public a systematic method that it has developed to improve the financial situation of everyone. At Lentrade, we believe that everyone deserves a chance to have a future with financial stability.Read More →
City of Powell River councilors gave the first three readings of the five-year financial plan and property tax rate bylaw amid concerns expressed by a ratepayer. At a meeting on April 21, Acting Chief Financial Officer Mallory Denniston provided an overview of the five-year financial plan from 2022 to 2026Read More →
Have your say on the draft annual business plan and budget 2022-2023 and on the draft long-term financial plan 2022/23-2031/32. Please provide your comments by 5:00 p.m. on Friday, May 20, 2022. The rate freeze for the past two consecutive years has saved ratepayers $2.3 million in rates with noRead More →
Kelowna well positioned for growth and stability Kelowna City Council approved the final 2022 financial plan on Monday, April 25. An overall tax demand increase of 3.94% has been set. A 3.94% increase translates to an additional $86.47 per year, or $7.20 per month, for the municipal portion on anRead More →
What do you want to know The growth is great. Safety is essential. Life insurance can help customers with growth, as well as security. For most of us – even those of us involved in financial services in one way or another – discussing life insurance ranks on the sameRead More →
As final exams approach, children who have neglected their studies throughout the year must struggle. Before judging these Rip Van Winkles, keep in mind that many taxpayers do the same with their tax planning. They are waiting for the last months (or even the last weeks) of the fiscal yearRead More →
When was the last time you looked at your estate plan? Last year? Five years ago? There is no doubt that things have changed in your life and your financial situation since then. Your estate plan is a key part of your financial plan. And, like your financial plan, it’sRead More →
City Council is targeting a 5% budget increase for 2022, with Mayor Ron Oszust and city council passing first reading of the draft budget and five-year financial plan at a special open council meeting on April 12. The 5% increase must stay in line with inflation, according to the city,Read More →
By Jonathan Lapine, CPA, CFP®W3 Wealth Management WARREN, Ohio — For nearly two decades now, individuals have expected developing and maintaining a financial plan to be included in the list of services offered by a financial advisor. As certified financial planners, W3’s founders were early adopters, using technologies in theRead More →
Has your dentist ever tried to sell you an electric toothbrush? This corresponds to their mission, to take care of the health of your teeth. Using it will be good for you, but selling the toothbrush is a transaction that makes them money. The electric toothbrush is not an integralRead More →
How can a student create a financial plan? The fundamentals of personal finance are an important topic for the life of every student and the person in general. Money management goes hand in hand with understanding the numbers and the cost of living in order to build a comfortable andRead More →
Having the right P&C coverage is essential when it comes to protecting your assets. Failure to plan for damages can cause you to lose the ability to achieve your life goals in the event of a disaster. For example, if your home is destroyed by fire (and you have substantialRead More →
The start of a new fiscal year gives us the opportunity to develop a plan for managing our finances. Whether it’s building an emergency fund, taking out adequate insurance coverage, adjusting investments and tax planning, now is a good time to develop a plan and work on it throughout yourRead More →
Financial planning software developer RightCapital has released its Snapshot feature, which gives advisors a customizable and highly visual one-page financial plan that can be used as a client landing page or printable PDF, according to the company. The new feature, previewed by WealthManagement.com, is available to the thousands of advisorsRead More →
West Kelowna Council set the tax increase at 4.0% in passing the 2022 budget and five-year financial plan by-law at its regular meeting on Tuesday, April 5. The increase will result in a total net operating budget of $38.9 million. This equates to an average of an additional $81 inRead More →
The City of Saskatoon released its 2021 year-end preliminary financial statements showing a deficit of $6.54 million in municipal operating programs and a surplus of $12.25 million in utility programs, before confirmation of the year-end audit. While the past year has brought continued change and uncertainty, the City has remainedRead More →
Battling colon cancer in her 40s, simultaneously going through a divorce and facing a very uncertain future, Barbara Majeski is a survivor. Known as a curator of the good life, Barbara Majeski is a nationally recognized television personality and lifestyle expert with regular features on the TODAY Show, Inside Edition,Read More →
The financial plan includes increased funding for transportation and street improvements. Iowa City residents will see future transit improvements and street repairs with funding as part of Iowa City’s fiscal year 2023 fiscal plan, in an effort to make public transit more environmentally friendly of the environment. The Iowa CityRead More →
There is no doubt that the past years of disruption have impacted society on so many levels. One of the biggest problems facing most industries is finding employees. “People just don’t seem to want to work” is the general response and it is the response in many industries. I’m notRead More →
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ROCK HILL, SC (WBTV) – City of Rock Hill leaders agree with York County’s agreement to keep the Carolina Panthers’ training facility and headquarters on track. Earlier this month, construction at the site halted after Tepper Sports said the City of Rock Hill failed to make its initial payment. RockRead More →
You started this year with all the best intentions. You may have reviewed your financial portfolio, evaluated your investments, and confirmed your asset allocation in your investment portfolio – under the watchful eye of your financial advisor, of course. South Africa was apparently heading into the post-pandemic era, and whileRead More →
4 Key Elements of an Effective Financial Plan Many people tend to be indecisive about how they manage their money. Such a passive approach can hinder sustainable revenue growth. It can also lead to heavy losses if they don’t take their finances seriously. This particular problem usually stems from theRead More →
Vice Mayor Virginia Rivers and Mayor Emmit Gooden pose for a photo with Comptroller Jason Mumpower. Mason, now under the financial control of the state comptroller, could operate independently again sooner than expected. On Tuesday, the Mumpower team and city officials met in Jackson to discuss the plan to getRead More →
Final decision on the budget set for the March 28 regular meeting (Photo/Pixabay.com) Central Okanagan Regional District’s 2022-2026 financial plan nears $59 million Overall increase in revenue and operating expenses in 2022 of $1.45 million The proposed 2022-2026 Financial Plan forRead More →
Final decision on the budget set for the March 28 regular meeting (Photo/Pixabay.com) Central Okanagan Regional District’s 2022-2026 financial plan nears $59 million Overall increase in revenue and operating expenses in 2022 of $1.45 million The proposed 2022-2026 Financial Plan forRead More →
Courtenay Council has approved a draft 2022-2026 financial plan that outlines projected tax rates and projected revenues and expenses for capital and operating programs over the next five years. Mayor Bob Wells said the plan represents a return to pre-COVID service levels as well as increased costs for police, ordinanceRead More →
MENOMONEE FALLS, Wis.–(BUSINESS WIRE)–Kohl’s Corporation (NYSE: KSS) (“Kohl’s” or the “Company”) will host a virtual Investor Day today during which it will provide an update on the Company’s strategy to drive growth and become the retailer of choice for the active and casual lifestyle. Kohl’s will also announce an updatedRead More →
Officials will look for ways to increase revenue patrick murphy The City of DeKalb is working to rework and improve the 2025 Strategic Plan. DeKALB – The City Manager’s office is preparing to unveil a new financial plan to the public at the DeKalb City Council meeting on March 14Read More →
Nottingham City Council has formally approved its 2022/23 budget making savings to bridge a starting budget gap of £28million and a four-year plan to put the organization on a stable financial trajectory for the future . Today’s Plenary Council meeting (Monday 7 March) agreed on a range of proposals forRead More →
The Regional District of Okanagan-Similkameen has adopted its amended financial plan for 2022. The financial plan was passed in first reading on January 6 and the amended version in second reading on February 17. The plan was also presented to the various communities and electoral areas of the regional district.Read More →
It’s hard to resist these advertisements for online self-service investment companies. They’re very tempting — who doesn’t love the idea of low-cost, high-return investments that allow you to retire early? But creating wealth is not limited to profitable investments. “Investments are only part of the story. One of the biggestRead More →
The Regional District of East Kootenay (RDEK) is seeking feedback on its draft 2022-26 five-year financial plan before it is adopted at the March 11 board meeting. RDEK Board Chair Rob Gay is asking residents to visit the project page and learn about the draft plan before the public commentRead More →
Do you have a financial plan in place? What is a financial plan? Aspirations and dreams, we all have them! You might want to buy your own house, renovate yours, send your kids to college, travel the world, or retire early. No matter how big your hopes and dreams are,Read More →
New York State Comptroller Thomas P. DiNapoli today released the following statement on the MTA’s February Financial Plan: “The MTA’s February financial plan underscores the seriousness of the situation the authority — and the state and city — face in dealing with upcoming fiscal challenges. The plan recognizes that eachRead More →
“After many difficult years of economic hardship and pandemic, Alberta is moving forward once again. The government’s focused and responsible fiscal management and relentless pursuit of economic growth have put the province on a more sustainable fiscal path,” said Travis Toews, President of the Treasury Board and Minister of Finance.Read More →
Published: February 23, 2022 Beginning of the consultation on the five-year financial plan of the RDEK See summary below. After completing his first exam of the draft 2022-2026 financial plan, the East Kootenay Regional District (RDEK) Board of Directors now hopes to gather feedback from residents. “The public comment periodRead More →
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NORTHBOROUGH, MA/ACCESSWIRE/February 18, 2022/ A great financial advisor provides objective advice and support through life’s many challenges and changes. They can be the difference between making progress toward goals or remaining stagnant. For 15 years, Ryan Kittredge, a Certified Financial Planner, has served successful clients in and around Central andRead More →
By Russ Gaiser Oh, the budget. Some people who hear this word get angry, stressed, agitated and even scared. For some, the term has become a bit of a dirty word. Unfortunately, the term budget is stigmatized and is often perceived as something negative. If the truth about what itRead More →
What do jalapeños have to do with your financial plan? Getty By: Shelley Nadel – Co-Chair, Ellevate Houston What do you think of jalapeños? The last time I cooked with them my fingers and lips burned for hours. As a native Texan, you can imagine how embarrassing it is notRead More →
A new study reveals that couples do better financial planning than singles. This Valentine’s Day, singles looking for happily ever after should give themselves a written financial plan — something they’re about half as likely to do as couples — to get a boost in life. savings and other benefits.Read More →
Creating a financial plan allows you to set goals and track financial benchmarks throughout the year. Creating an annual plan can ensure you stay on track to achieve your short and long term goals. Each year I provide a checklist to help you create a plan. There will definitely beRead More →
(Sam Swenson, CFA, CPA) Even though the financial market has become saturated with new products, there is something elegant about committing to the essentials. Here we will discuss four steps to instantly improve your financial plan. 1. Maximize your tax-efficient accounts Since everyone has different circumstances, it’s good to rememberRead More →
EEven though the financial market has become saturated with new products, there is something elegant about committing to the essentials. Here we will discuss four steps to instantly improve your financial plan. 1. Maximize your tax-efficient accounts Since everyone has different circumstances, it’s good to remember that some people willRead More →
3. Don’t despise money While many people view cash as a low-income investment, cash serves many purposes that contribute to a healthy financial situation overall. Cash provides a sense of psychological safety when markets turn south and also prevents you from selling stocks to cover short-term emergencies. Sell shares afterRead More →
BEIRUT (Reuters) – Lebanon’s banking association said on Monday it opposed proposals set out in a draft government plan reported by Reuters last week to tackle the financial crisis, saying they would lead to a long loss of confidence in the financial sector. Responding to written questions from Reuters, theRead More →
Financial planning is a time-consuming process over many meetings. It needs questioning, contemplation, investigation, consideration. It’s not a process you always think of as part of the emergency services. I imagine the paramedics in their ambulance, followed by the Blood Bank motorcyclist, followed by a five-series BMW. They arrive atRead More →
No matter your age, it’s never too late to create a financial plan. It can help you achieve your current goals and needs while helping you stay stable in the future. If you’ve never created one, now’s the time to think about it. Ensure your assets are protected Having insuranceRead More →
This year, we may have made the same resolutions as in the past: lose weight, exercise, save more, or pay off debt. In fact, 65% of Americans ages 18 and older considered a financial goal for the New Year, according to a 2021 study by Fidelity Investments. The main financialRead More →
This video was recorded on January 15, 2022. Tom Gardner: There’s almost a dark valley we walk through as adults from the day we graduate high school and don’t realize we’re the CEO of our financial lives forever, until the moment where we have kids and are starting to realize,Read More →
Becoming a new parent is overwhelming. Suddenly, you are no longer just responsible for yourself, but for another person who depends on you for everything. From the moment a baby comes home, you need to be aware of your every action and be careful about how it will affect theRead More →
There is a split among wealthy investors today when it comes to the economy and their financial future. While a small majority feel optimistic, more than four in 10 are uncertain and uncomfortable. In recent research, we explored this gap to understand why people feel this way, as well asRead More →
I am encouraged when I see the enthusiasm and meticulous work displayed by the teams at all stages of the Competition. They represent the future of the financial services industry who will pursue the mission of influencing the financial future of customers… US Chap. President, Rick Stanzione, RFC® MIDDLETOWN,Read More →
The start of a new year marks a strategic time to review a financial plan and develop goals to achieve over the next 12 months and beyond. This “fresh start” mentality allows individuals to review and assess what has worked (or not) over the past year and revise or createRead More →
Building a start-up business can be the most exhilarating and challenging journey an entrepreneur can experience, with significant time spent growing and prospering your business. However, what many startups fail to implement is a financial plan that they can track and follow along the way. From conceptualizing the dream ofRead More →
Overpayment of fees and expenses is an area of investing that requires special attention. Twice last year our company changed ETF provider due to cost/benefit ratio. Reducing fees does not guarantee exceptional performance, but unjustified or unnecessary fees and expenses reduce annual returns. Always strive to reduce friction. Friction isRead More →
Financial planning can help you better understand where you are financially, how to prepare for the challenges ahead, and how to plan where you want to go. If you haven’t prepared a financial plan for yourself or your family, a financial advisor can help. Here are the typical steps inRead More →
During my annual physical recently, the doctor took my vital signs, reviewed my medical records and, after reading my EKG results, said, “Well, the computer says you’re having a heart attack.” But the computer got it wrong. I’m in my 40s and I run marathons, and my heart rate isRead More →
Breadcrumb Links Life Financial wealth is built on three foundations: income, insurance and investments. Publication date : December 27, 2021 • December 29, 2021 • 4 minute read • Join the conversation When it comes to building wealth, you need to make sure all the financial pieces are in place.Read More →
As the holiday season approaches, I remember the Christmas gatherings and the exchanging of gifts among family and friends. Although we all love receiving gifts, it is the joy I get from giving that is most rewarding. This is especially true when the gift is something that has a lastingRead More →
This month of January does not only mark the beginning of a new year. It is also the second anniversary of the first identified case of Covid-19 in the United States. At the time, the pandemic took most people by surprise. Now many of our lives don’t look like theyRead More →
Real estate investors struggle to find financial planners who can fit their real estate holdings into their plan. And that’s because most financial planners use out-of-the-box software that supports traditional investment accounts like IRAs, 401(k), and taxable accounts, but not the unique aspects of real estate investments, according to DanaRead More →
Following. With many people wanting more time, more money, or more sleep, it’s a concept most of us are all too familiar with. But are we considering the link between “more” and retirement? You’ve probably thought about your own retirement – what you want most, how much money you’ll need,Read More →
Written by Minyoung Park For many of us, the pandemic has changed our saving and spending habits and led to a reassessment of our financial health. He also emphasized the importance of creating a step-by-step approach to achieving financial goals, otherwise known as financial planning. A financial plan serves toRead More →
By Massi DeSantis You may have noticed that it costs almost twice as much to fill up your car at the pump compared to last year, or that the package of rib eye steaks you get every week is getting expensive. . On average, according to the Bureau of LaborRead More →
While addressing a post-budget interaction with industry body FICCI, the finance minister also assured that India is ready to face any situation arising from global developments. Exclusive: Nifty 17900 and above, Sensex 435 and above – NiftyRead More →
Today being World Financial Planning Day, it’s time to review your financial plan. A financial plan is a living, flowing document that should be flexible enough to change and adapt to your personal and financial circumstances. While it’s always a good idea to review your financial plan at least onceRead More →
A grain farmer we’ll call Owen, 63, farms 1,000 acres of grain not far from the Manitoba-US border. He has three children aged 35, 34 and 29. The eldest, Jack, wants to take over the farm. His two siblings, whom we’ll call Max and John, have jobs in town andRead More →
Clients are often concerned with the past, such as filing the previous year’s tax returns, rather than the future. Accountants can be extremely beneficial to these clients by providing them with forward-thinking services. It means financial planning. There are many reasons why clients often think they don’t need financial planningRead More →
A financial plan is at the heart of the financial counseling process. In a way, it’s your clients’ money map, there to guide them financially from where they are today to where they want to be. Without a plan, investors simply paddle out to sea, hoping that their direction andRead More →
LOS ANGELES, CA/ACCESSWIRE/September 17, 2021/ Financial planning is an area that many people do not understand today. This is partly due to a lack of education or awareness and partly because they don’t know who to ask for advice or where to go. For others, it’s simply a matter ofRead More →
When you meet with a financial planner, they often ask you to gather certain data: bank account balances, pay stubs, RRSP contributions, mortgage statement and other documents. When you meet a senior wealth advisor like Dave Lee, those numbers are just the start. “Clients are often surprised that our processRead More →
by Massi DeSantis The Federal Reserve Bank (“the Fed”) has been in the spotlight since the onset of Covid-19, taking a number of steps to help the economy weather the pandemic. You’ve heard of easy money, zero interest rates, reverse repos, quantitative easing, and you might be wondering what allRead More →
In my 40 years of tax and financial planning, I don’t think I’ve ever seen a client sit in my office and say, “We really need to talk about my insurance. Although the focus is usually on portfolios, social security and withdrawal strategies, insurance issues also deserve special attention. WithRead More →
Cryptocurrency assets are here to stay. Bitcoin, Ethereum, Dogecoin, Litecoin, Ripple…. There are several thousand options currently available, and new ones are released almost daily. They are not a fad, nor a Ponzi scheme – if chosen wisely. The reality is that crypto assets are real and deserve a placeRead More →
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Financial planning isn’t just for the rich, especially if you live in California. Many people think that this is only for the wealthy and their families, and that because their estate is not complicated or very large, financial planning would not benefit them. Most likely, this mindset is incorrect. ARead More →
All work and no play makes Jack a very boring boy. It is important to have fun and set aside time for travel and leisure for balance. This article discusses the importance of incorporating travel and leisure activities into your planning and provides interesting personal and business travel trends. LivingRead More →
You can’t have a financial plan without a financial plan, but you don’t need a … [+] written plan for ongoing financial counseling. Getty Do you need a financial plan? Maybe not. A complete written financial plan is a solid analysis at any given time. This differs from the generalRead More →
Owning a successful business is a constant exercise in planning. Many successful business owners have already engaged in personal financial planning, including investing and providing financial security for themselves and their families. However, fewer business owners have created a business continuity plan. A business continuity plan includes strategies and actionRead More →
A financial plan is a complete picture of your current finances, your financial goals, and all the strategies you have set out to achieve those goals. Good financial planning should include details about your cash flow, savings, debts, investments, insurance, and any other part of your financial life. What isRead More →
Why it’s important to create a financial plan for your new family Financial planning helps you identify your short- and long-term goals and create a roadmap for achieving those goals. That’s why it’s crucial to have a financial plan, whether you’re single or looking to start your own family. However,Read More →
Pay yourself first as part of your budgeting system. Twenty years ago this month, I made a substantial career change from journalism to the world of investing. I had just enough mindful money to make the switch, but far from having a thorough sense of personal finance, let alone theRead More →
Offering wealth management services is something all accounting firms should do for all clients who need it. My premise is that everyone needs some kind of financial planning; the scope and depth of engagement will vary depending on the complexity, but all of your company’s customers have financial issues andRead More →
In a perfect world, everyone would have enough money to retire comfortably and live the life they want. In reality, many variables influence a person’s financial future. Developing a financial plan is one way to help control these variables. There are five key financial products you can add to thisRead More →
With the lockdown easing and life soon returning to an acceptable form of normality, now may be the perfect time to review our finances and revisit our dreams, goals, and plans for the next phase of our lives. With nowhere to go, nothing to buy but groceries and incidentals overRead More →
The road to the future Getty Timeline planning, where you set goals and plans covering a specified future period, is a useful way to track your financial progress. Lewis Walker, financial planner and investment strategist at Capital Insight Group in Peachtree Corners, Georgia, uses eight years, when we would beRead More →