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Denver Financial Planners

The search for Denver financial planners is going to depend on more than just how you pay them though. What you want help with will lead you to the right financial planners for your situation. For example, there are Denver financial planners that handle business finances while other planners specialize in family budgets.

What You Need to Know About Financial Planners

Your Denver financial planner is going to fall into one of two categories. A certified Colorado financial planner either gets paid by commission or by a fee only. Using a fee only will mean your contract will discuss how much you pay financial planner for their advice.

As long as you keep in mind why you want to talk to a financial planner in Denver, CO you will be able to find the best advice. Understanding all your investment options is important because you want to make sure your retirement fund is where it should be when it is time to cash it in.

Money Management Techniques

The best way to save money is to know how to spend it wisely. Denver financial planners can help you learn how to handle your money appropriately. This will leave less of a chance of going into debt and increase the amount of money you have to invest.

Making a family budget is a good habit to get into. The budget can show the amount you are putting away for A Denver college education, but also how much you pay for electricity each month. Learning what exactly you are spending your money on will help you curb your costs and expenses.

Handling the cost of parenthood can be strenuous but a Denver financial planner can help. Even as children get older there are always school fees, athletic organizations and of course weekend movies to pay for. The good part about working with a Denver financial planner is that you can be able to afford all of this through the right investments.

To begin with you need to have an emergency fund. By having an emergency fund you will be able to handle situations like a job loss or medical emergency. This keeps your bills paid on time and keeps the kids on the playing field.

With the proper money management techniques your Denver financial planners can help you keep your credit rating high. By having a solid credit score you will have more options than you realize. Not only can you receive lower premium rates on things such as car insurance, but when you go and get a loan for buying a home you will receive a lower mortgage rate.

Once you figure out the amount you need to spend and the amount you have to save you can fully explore all your saving options. Remember that you have multiple avenues to take when you want to save your money. Of course there are the traditional savings accounts from your local bank or growth funds.

What to do With a 401k

A Denver financial planner can help you take your paycheck and make investments, but they can also help you before you even get your check. Planners understand that there are many ways a person can save. You can stuff your money under a mattress or you can put it in an interest yielding stock. One of the best options you have is with your employer.

Learning about employee benefits will help you save more money on things you really need. Shopping for health insurance as an individual or for a family can be pretty expensive. There has been debate over the cost of healthcare and how most people in Denver, Colorado can only afford it through their employer. Group health insurance from your Denver employer could help everyone in your family have medical coverage.

Another resource from your Denver employer is your 401k option. Companies offer their employees 401ks as a way to help them save for retirement. Usually companies add a contributing match, but with the economy suffering more and more companies are withdrawing this option. A Denver financial planner can help you get the most out of your 401k even if your company doesn't give a match.

The money you raise from your 401k account can help you once you retire. It can even be borrowed against when you are buying a home. Retirement though is a big concern and your Denver financial planners can help you take the money from a 401k and use it to open separate retirement accounts.

Married couples could take one person's 401k account and split it into two separate retirement accounts. Denver financial planners can help you figure out if an IRA or Roth IRA would compliment your employee benefits more. You can find out when you talk to planners in Denver, Colorado online today.

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Financial Planners in Denver

Andy Lyford
Andy Lyford
1231 S. Parker Rd Suite 104
Denver, CO 80231

50 South Steele Street #830
Denver, CO 80209

Stephen Gordon
Stephen Gordon
One DTC 5251 DTC Parkway
Suite 990
Greenwood Village, CO 80111

Herb White, CFP
Herb White, CFP
8400 E Prentice Ave.
Suite 715
Greenwood Village, CO 80111

Daniel Grote
Daniel Grote
2373 Central Park Boulevard
Suite 100
Denver, CO 80238

Derek Eichenwald
Derek Eichenwald
1610 Wynkoop Street
Suite 550
Denver, CO 80202

Martin Walsh
Martin Walsh
1700 Broadway
Suite 500
Denver, CO 80290

Christopher Kolker
Christopher Kolker
6896 South Cook Way
Centennial, CO 80122

James Spiers
James Spiers

Littleton, CO 80130

Jack Venable, CFP, ChFC, CASL, CLU, APMA
Jack Venable, CFP, ChFC, CASL, CLU, APMA
9351 Grant St
Suite 300
Thornton, CO 80229

Phil Wilson
Phil Wilson
10012 Commons Street
Suite 108
Lone Tree, CO 80124

Wendy Martinez
Wendy Martinez
1885 W. 120th Avenue
Suite 800
Westminster, CO 80234

This website provides information related to the subjects covered. Before making any financial or legal decisions, a professional should be consulted.