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Harrisburg financial planners can help Pennsylvania residents of all backgrounds gain better control over their finances by eliminating debt, creating a budget that allows for savings, and determining retirement strategies that work for any income. Living on a budget can be difficult. Pennsylvania personal finance planners are certified professionals who can show you how to make your dollars stretch and better understand your finances so you can reach your long term goals, whether those include buying a Harrisburg home or putting your children through college. Researching financial advisors online can help you find a planner that best suits your needs.

A common myth is that only people with complex assets or great wealth need professional financial assistance. Many Pennsylvania financial planners work with people of varied incomes. Another myth is that certified planners are too expensive to consider on a budget. Many middle income residents find that the benefits of seeking professional guidance are well worth the investment, including the confidence to make smart monetary decisions. Researching Harrisburg financial planners online can help you find advisors close to you, including fee-based planners who work with a variety of clients.

Benefits of a Financial Advisor

Working with a Harrisburg financial planner offers many benefits. Even if you live comfortably, you might find that you still live paycheck to paycheck. a Harrisburg financial planner can show you simple habits that will ease your reliance on debt and put more money in your savings account. Building a reliable emergency fund, either at your local Harrisburg bank or with a PA credit union, can give you a cushion in case of a medical emergency, unexpected job loss, or other situation that would otherwise put you in debt. A Harrisburg financial planner is also a good ally for planning your retirement and reaching your long-term goals.

No matter what your personal finance priorities are, everyone must think about retirement. Certified PA personal finance planners can guide you through the basic steps of building your nest egg, from opening a 401k plan to determining how much you need to save to comfortably retire. Advisors can even show you how resources for calculating how much your savings will be worth once you retire, inspiring motivation to start your retirement savings as early as possible. When you are in your 20s, even a modest savings of $25 a month can translate to thousands of dollars for your retirement.

Another valuable advantage of working with a Harrisburg financial planner is assistance with eliminating your debt. Debt can greatly sabotage your efforts to save, robbing you of valuable dollars that go toward high interest on credit cards and loans. Your Harrisburg financial planner can discuss strategies for quickly paying off debt, and if necessary, taking measures like consolidation. An advisor can also offer advice for when it's smart to take on debt, such as a mortgage for a PA home, and when you are better to avoid it. Higher education can often seem like a smart expense, but in some cases, can leave you in a deep hole without better career prospects. Certified financial planners can give you strategies for recognizing bad debt from good opportunities.

Finding a Good Harrisburg Advisor

The right personal finance planner will vary from person to person, although Harrisburg residents should look for a few key qualities. Make sure any advisor that you consider is a Certified Financial Planner, or CFP. This accreditation proves that a planner has the necessary education to make informed decisions and is also recognized by the state of Pennsylvania. CFPs also take continuing classes to remain current on industry trends. Another important factor to consider as an advisor's fee structure. Seek fee-based advisors who do not make a commission on the products they sell you.

The size of the Harrisburg firm is also important. If you choose a large, corporate firm, you might have a team of advisors assigned to your account. You will also have the benefit of size, structure and reputation. If you work with a smaller firm, you are more likely to receive individual attention from a single planner and may find more flexibility in services offered. By researching Harrisburg financial planners online, you can find advisors who specialize in the areas with which you need the most assistance while gaining insight from references and reviews from past clients.

Harrisburg financial planners can be an excellent resource for people of all incomes and monetary backgrounds. Whether you seek to eliminate debt, start planning for retirement, or simply want to create a budget that allows you to live within your means while putting away money for savings, a Harrisburg personal finance planner can be an invaluable partner. Researching local advisors online can help you find the perfect one for you.

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Financial Planners in Harrisburg

Doug Charney
Doug Charney
700 South 28th Street
Harrisburg, PA 17103

Ben Agostino BFA (TM)
Ben Agostino BFA (TM)
2012 Market Street
1st Floor
Camp Hill, PA 17011

Matthew D.  Sheraw
Matthew D. Sheraw
2009 Market Street
Camp Hill, PA 17011

Greg Dexheimer
Greg Dexheimer
2308 Patton Road Suite G
Harrisburg, PA 17112

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