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Menifee Financial Planners

Menifee financial planners are experts in personal finance who can help Southern California residents reach their long-term goals in a variety of areas. Whether you need help creating a budget, planning your estate, paying off your debt, or preparing for retirement, Menifee financial planners can give you the tools you need to make smart, confident decisions regarding your money. Many CA couples live comfortably from paycheck to paycheck, but if you put off thinking about the future, you can miss out on the benefits of early retirement planning, including compound interest. In some cases, you might have to delay your retirement. Working with a Menifee financial planner can help you form good personal finance habits that allow you to live comfortably while saving for the future.

Debt Management

One of the most important aspects of your personal finance with which California financial planners can help is debt management. Until you have paid off credit card bills, CA car payments and student loans, you might have a difficult time finding money to put into savings. Moreover, interest works against you when you have balances to repay. Instead of seeing the dollars in your savings account earn money for you, you will often pay higher interest rates on the debt you owe. For this reason, it is important to develop a smart savings plan that eliminates your debt balances quickly. A Menifee financial planner can work with you to develop a budget that makes debt a priority.

Your advisor can also help you recognize ambiguous debt. Although revolving debt like credit cards and short-term loans are easy to recognize as detrimental to your financial health, sometimes debt can appear to be advantageous. Getting a higher degree or taking classes in Menifee that benefit your career can seem like smart uses of borrowed money. But if the the return on your education doesn't equal the money you put toward it, you might be better off exploring other options that don't involve taking out loans. A Menifee financial planner can help you gauge how educational debt affects you while maximizing your CA financial aid options if earning a higher degree makes sense.

Retirement Planning

Once you are debt-free, you can examine your options for retirement. One of the most important accounts you can initially open for your retirement savings is a 401k. This account allows you to contribute up to $16,500 a year toward a tax-deferred fund. If your California employer does not offer a 401k, you can consider an IRA, which offers similar benefits. Both accounts allow you to make extra contributions when you reach the age of 50. For California residents who meet certain income requirements, it might make sense to have your funds taxed as you contribute, rather than at retirement. A Roth IRA offers this benefit. Your Menifee financial planner can explain which account is right for you.

Beyond basic accounts, Menifee personal finance planners can recommend investments that best suit your needs based on your income, age and long-term goals. For example, if you plan to remain in Menifee, your income needs during retirement will be different than if you have plans to move to a more expensive retirement location. If you own a Menifee home, your advisor can recommend whether you need to sell your home to meet your standard of living goals during retirement, or whether you can keep it. Based on your individual goals, your Menifee financial planner can recommend a mix of stocks, bonds and other securities that will most benefit you.

Researching Financial Planners

Finding the right Menifee personal finance advisor can take some research, but seeking out a few important qualities can help you whittle down your options to a few leading candidates. Firstly, look for fee based financial planners who are paid by the hour. This ensures that they aren't influenced by projects for which they might earn commission. Secondly, research Certified Financial Planners, or CFPs. These planners have earned degrees in finance related fields and have passed an exam that verifies their knowledge of the industry. Finally, choose a Menifee advisor with excellent communication skills. Working with a financial advisor who understands your individual goals can better ensure that you will reach those goals.

Menifee financial planners can be very valuable resources in preparing for the future, whether you are 30 or 50. Choosing to work with a professional when it comes to organizing your finances and planning for the future can give you the tools you need to reach your long-term goals while allowing you to enjoy the present as well. Researching Menifee financial planners online can help you find all your local options, while allowing you to compare and contrast specialties, experience and references. A little investigating can go a long way toward helping you find the perfect personal finance advisor for you.

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Financial Planners in Menifee

John Borger
John Borger
27192 Newport Rd., Suite 4
Menifee, CA 92584

Simon Reeves
Simon Reeves
30 Enterprise, Suite #190
Aliso Viejo, CA 92656

Rodd Miller, CFP
Rodd Miller, CFP
1901 Camino Vida Roble
Suite 112
Carlsbad, CA 92008

Rick Donnelly
Rick Donnelly
17901 Von Karman Ave
Suite 600
Irvine, CA 92614

Mark Higginbotham
Mark Higginbotham
2400 E Katella Ave
Suite 800
Anaheim, CA 92806

Eric Trapasso
Eric Trapasso
7821 24 Th St
Westminster, CA 92683

Robert Chapman
Robert Chapman
12526 High Bluff Dr.
Suite 300
San Diego, CA 92130

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