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Sacramento Financial Planners

Sacramento financial planners can help you with the daunting task of mapping your future. There are many factors to consider such as budgets, investment planning and the savings you need for retirement. Retirement can be planned with the use of retirement planners.

If you try to do your planning by yourself, this task can become overwhelming. Using one of the many very qualified Sacrament financial planners can help this job become manageable.

Setting Goals

Without making financial plans you are not able to tell if you are making headway toward your financial future. A Sacramento financial planner not only will help you set and focus your budget, they will help you with looking at your current situation and advise on what you need to do to get where you want to be. There are several different types of goals that any Sacramento financial planner can help you to set.

The first is a mini goal. These marks are short term and will help you see your progress in a small amount of time. Mini goals can be as simple as sitting down with the newspaper and clipping coupons every week or paying off a small debt within a few months. You may want to see an attraction in the Sacramento area and need to save enough money for a trip to the Sacramento Zoo. Maybe you have decided on a plan of reducing your Sacramento phone bill by fifty dollars every month, this can be achieved as soon as you sit down with your phone bill and decide what services you can live without. California planners could possibly set two small objectives that are based on each other. Your plan could include the two objectives of cutting your phone bill by fifty dollars and contributing fifty dollars extra a month to your retirement plan. As soon as you sit down with your phone bill and cut what is necessary to achieve a fifty dollar savings, you would then be able to take that fifty dollars and put it toward your 401k, traditional IRA or a Roth IRA. Right there, you have accomplished two mini goals just by sitting down and looking at your Sacramento phone bill. Most mini goals can set without the help of a Sacramento financial planner.

The next step up on your dream pyramid is a milestone goal. These plans are generally achieved with the accomplishing of several mini goals. They are medium term plans that can take a bit of time to accomplish but the achievement of these plans are significant. A milestone goal could be that you want to take a three week vacation next year to southern California. Planners can help you put back enough money every week so that in a year, you have enough to take that CA vacation. Suppose you want to save a three thousand dollar down payment to buy a car in Sacramento. The car down payment is your milestone goal. Your planner may tell you to set smaller goals of saving twenty dollars a week at the grocery store, saving eighty dollars a month on your utility bill and not eating out in Sacramento to save one hundred dollars a month. By adding up the savings, you can accomplish the saving a three thousand dollar down payment for a car in fifteen months. Sacramento financial planners can assist you in setting small plans that work toward accomplishing a milestone goal.

The third type is a big picture goal. Most likely you will want the help of a Sacramento financial planner for this. Big pictures goals are long term. Examples of these are buying a home, paying off all of your debts including your mortgage, and if you are thinking about parenthood, having large enough education funds for your children to enable them to go to any California college they would like to attend. Saving enough money to retire in southern CA at a certain age is also an example of this type of goal. For these, you must stay focused on your targets and Sacramento financial planners can help you do this. Distractions can prevent your plans from being reached. More than likely, you will need to accomplish many mini and milestones to obtain the big picture but you will find it was worth it in the end.

Financial Planners Help You Achieve Goals

While a Sacramento financial planner can help you set goals, only you know what you truly want for yourself. Financial planners are best at helping you make plans that will see your dreams to fruition.

Decide what you want for your financial future and then make an appointment with one of the many Sacramento financial planners available to discuss the steps that you need to take to secure your future. Only with careful planning can you make your California dreams come true.

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Financial Planners in Sacramento

Michael Lynch
Michael Lynch
1700 Eureka Road, Suite 155
Roseville, CA 95661

Kevin Thelen
Kevin Thelen
925 Highland Pointe Drive, Suite 190
Roseville, CA 95678

Jack Zboralske
Jack Zboralske
2271 Lava Ridge Ct. STE 200
Roseville, CA 95661

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