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Gilroy Financial Planners

Gilroy financial planners are certified experts who can assist California residents with many aspects of their finances, from preparing for retirement to managing your estate. Between building your career, managing your family and juggling social obligations, finding the time to research investments and manage all aspects of your finances can be difficult. A Gilroy financial planner can take away many of the burdens of researching investments and managing your accounts, allowing you to live life to the fullest with the peace of mind that your finances are in good hands. Gilroy residents can choose from many qualified California monetary planners in the area, but finding the right one can take some research. Investigating CA financial planners online can help you find the perfect one for you.

Benefits of an Advisor

Financial planners can help you oversee every aspect of your finances, from creating a budget to saving for your children's college education. Gilroy personal finance advisors walk you through each step, using your long-term goals as a guide. One of the most basic aspects of financial planning with which Gilroy financial planners can assist is simply developing a budget that allows you to pay off debt and live within your means. Once you are debt-free, you have the freedom to watch your savings grow. Most certified financial planners will recommend building an emergency savings account equal to three months' salary. This account should sit untouched in a CA bank or credit union.

Paying off debt requires professional help for Gilroy residents of all financial backgrounds. Although debt is sometimes associated with financial trouble or a low income, any CA resident can fall into the debt trap. A Gilroy financial planner can help you form strategies to avoid careless spending, including "shop therapy," while showing you easy ways to track your spending so you can think more clearly before you spend. Debt doesn't just extend to high-interest credit cards, although this is the most common, and often most harmful form of debt. A Gilroy financial planner can help you avoid less obvious kinds of debt, such as whether an advanced degree is really worth the investment and whether you can afford a particular home or vehicle.

Gilroy financial planners can also assist you with basic retirement accounts, including 401k and IRA plans. You might already have one or both of these, but a certified advisor can offer advice on the best percentage of your income to devote to these accounts and which ones are really right for you, including whether or not you should switch your IRA to a Roth IRA and whether you should devote more of your attention to one fund over the other. If you are self employed or work for a California nonprofit or government agency, a Gilroy financial planner can explain your options to you, whether you need a 403b, a SEP IRA or another type of plan. If you need to supplement your funds as your reach retirement, your Gilroy advisor can explain your options for contributing extra "catch up" funds once you reach age 50.

Choosing a Personal Finance Planner

When choosing a personal finance advisor, first consider what you hope to accomplish from the relationship. If you value multiple opinions and would prefer working with a team of planners, you might consider a large, national firm in Gilroy. If you prefer to work with a single advisor who can offer personalized advice, you might consider a smaller firm or a planner with a private practice. In either case, look for fee-based, rather than commission-based advisors. Fee-based advisors who earn an hourly rate will make decisions based solely on your best interests.

Another important quality of prospective planners is certification by the state of California. Look for the "CFP" suffix at the end of each name. Certification verifies that an advisor has completed certain education requirements, including a Certification Exam, and has also committed to ongoing education to keep up with important trends in the industry. Choosing a CFP gives you the peace of mind that your advisor is qualified to help you make smart decisions and also has your best interests at heart. Online research can help you find a certified Gilroy financial planner near you.

Gilroy financial planners can become a very valuable part of planning for your future. From creating a budget to planning for retirement, a Gilroy personal finance advisor can work with you to offer personalized advice unique to your situation. Even if you don't have complicated investments or a great deal of wealth to manage, a fee-based personal finance advisor can be a great ally as you reach your long-term goals. Researching advisors online is a great way to find honest reviews, references and useful information about the options in your area.

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Financial Planners in Gilroy

Kevin Logan
Kevin Logan
2350 Mission College Blvd. Suite 450
Santa Clara, CA 95054

Paula de Vos, CFP®
Paula de Vos, CFP®
P.O. Box 1844 Heather Glen Court Mission St @ 8th
Carmel, CA 93921

Michael Richardson
Michael Richardson
2100 Geng Road
Suite 210
Palo Alto, CA 94303

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