“I would work with you, but my finances are a mess and I don’t have enough money to plan with.” I actually think people in this situation are exactly who need the services of a financial planner. I believe that at its core, financial planning is about building a future, not just managing assets. If…
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October 3rd, 2018
Attention Nonprofits!
As we begin the fourth quarter of 2018 I am curious. If you manage a church or other nonprofit, are your donations as high as last year? With the new tax law there were many changes, but the one effecting nonprofits the most may be the increase in the standard deduction. If a married couple…
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October 11th, 2017
What is Financial Planning?
I may have done a blog on this subject before, but I’m going to continue coming back to it throughout my career because I think it is extremely important. Financial Services is a tough and very regulated industry because there are so many definitions of a financial advisor. Basically, the term financial advisor suggests the…
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August 25th, 2017
Selling to Friends
One of the many challenges and joys about being an independent financial adviser is that I have to do my own sales training. Sure, FormulaFolios has many training videos and their stuff is extremely helpful, but I need to learn how to sell. As we know through social media, all of our friends have the…
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July 27th, 2016
Working From Home
One of the statements you often hear in the investment world is “spotting a trend.” Some may think it only relates to a stock chart with all the ups and downs of company’s share price, but as with many skills in the financial world, finding trends is also important in the “real” world. Social media…
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May 31st, 2016
Extra Expenses
The “Millennial” generation is often the subject of many news stories. Most of these stories shine a less than favorable light on the generation and, while I agree with these stories to a point, sometimes I think the perspective we are given of the Millennial is unfair. I did some research and, yes, there are…
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May 17th, 2016
Debt Management
One of the services I offer is what I call a budgeting plan, which basically helps the client learn good spending habits. I’ll change the name eventually because I don’t like the view society has of the word “budget.” It seems that when we hear “budget,” we think of Government agencies where they have to…
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October 21st, 2015
Poor Goldsboro?
I recently read an article that said Goldsboro was the fifth poorest city in the United States. The original article was written by 247wallst.com and I read the summary provided by the Triangle Business Journal. You can read the article here. I was interested in the article because I live in Pikeville, Goldsboro’s neighbor to…
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