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While designations are not everything when selecting a financial advisor, they often indicate a certain level of knowledge related to a specific field and/or commitment to certain ethical and professional standards. Please see our detailed Guide to Financial Advisor Designations for more information.

Availability

  • Guy Baker CFP®,AEP,ChFC,CLU

    Irvine, CA

    Retirement, Investing, Insurance

    2881 answers

    1364 out of 1674 people found Guy's answers helpful

    Most recent answer
    How do I calculate my gross income deductions?

    Since you did NOT include ant details, I am going to assume you are wondering about your personal exemption and standard deduction. These are done for you with the tax software that is available. Or you can go to this website and see your deductions. They depend on whether you are married or single. Whether you have children or not. But the software can handle it for you.http://www.irs.gov/uac/How-Much-is-My-Standard-Deduction?Hope you get what you are looking...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Sherry Bijan

    San Francisco, CA

    Retirement, Investing, Small Business

    156 answers

    192 out of 263 people found Sherry's answers helpful

    Most recent answer
    I have a startup company in global trading. How can we get investors? What are the risks of that?

    What is it you are trading and where are you based?Commerce across state lines or international borders will all depend on the local governance.There are many variables to be considered, including the funding structure, tariffs and taxes.Potential investors and available funding are dependent on the goods and or services you intend to trade, and where.  To that end you need to identify your business model before you seek out...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Dmitriy Fomichenko

    Anaheim Hills, CA

    Retirement, Investing, Small Business

    143 answers

    33 out of 50 people found Dmitriy's answers helpful

    Most recent answer
    Do I need an EIN number to open a solo 401K if I have a single member (disregarded) LLC (Arizona)?

    As a sole-proprietor you do not have to have an EIN and can run your business under your SSN. But since you are running your business under LLC you will probably want to open a bank account in the name of the LLC and in order to do so you will need to apply for the EIN with the IRS. This can be done online in about 5 minutes (others have provided you with the link).In order to establish a Solo 401k however, you will need an EIN for your business. Solo 401k plan is adopted by the business and...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Pamela Sams CRPC

    Herndon, VA

    Personal Finance, Retirement, Investing

    18 answers

    10 out of 10 people found Pamela's answers helpful

    Most recent answer
    My wife is a teacher and started a 403b. A few years back the provider changed but she never rolled it over. Now the money is stuck with the old provider and it just sits there. We cannot contribute to it or pull it out for any reason. Or so I am told. She still is employed by the same school. Is there anything I can do? I could use this money to pay off my credit cards or start a college fund for my kids.

    If she is with the same school, the old provider should allow a rollover to the new provider plan. I would suggest asking the HR department with the school district to determine what she can do.  If it is moveable, I would not suggest taking it out to pay off credit cards or use it for other purposes.  She would have to pay tax and penalties and she would not want that...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • ClearPoint Credit Counseling Solutions NFCC Certified Credit Counselor

    Atlanta, GA

    Personal Finance

    263 answers

    70 out of 82 people found ClearPoint Credit's answers helpful

    Most recent answer
    I am 25 and have a score in the high 500's and i am looking to rebuild my credit - what advice would you have? (Details below)

    Hello.  Thank you for your question.  I would suggest getting a secured credit card or "credit-builder loan".  Many banks and credit unions offer them - just make sure they report to the credit bureaus or they won't help to establish credit.  With a secured card, you put down a deposit, so they're less risky for the lending institutions to approve and therefore are a good option for people with less than perfect credit.  Use the card to make a small purchase...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • J.R. Robinson

    Honolulu, HI

    Personal Finance, Retirement, Investing

    490 answers

    2069 out of 2170 people found J.R.'s answers helpful

    Most recent answer
    I currently own a house with my wife. Should I refinance for the amount of $115,000 at a rate of 2.87% for 10 years or should I get a home equity loan?

    Hello.I agree with Johanna.  As long as you are planning to stay in the home, the 10-year  2 7/8 fixed rate is great.  A home equity loan is typically a variable rate loan.  I would be surprised if you can find a current HELOC rate much lower than the fixed rate you have been offered.  Rates may not rise any time soon, but I doubt you would be able to get a HELOC that offers any significant advantage over your fixed, and why take the chance that rates may...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Charles J Stevens Jr

    Plymouth, MA

    Personal Finance, Retirement, Investing

    495 answers

    232 out of 260 people found Charles J's answers helpful

    Most recent answer
    Can I remove one delinquent medical bill on my credit report?

    Let's try and help you maintain an above average credit score.All three of the major credit reporting agencies have websites which will give you access to your records with them. If you deem any of the information to be incorrect, you can file a challenge of the debt from the website. The reporting agency then has 30 days from receipt of your challenge to verify the accuracy of the report and amend or delete the entry. If you do not agree with their resolution, you have the right to append an...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Family Services, Inc. (NFCC) NFCC Certified Credit Counselor

    North Charleston, SC

    Personal Finance

    14 answers

    5 out of 6 people found Family Services, Inc.'s answers helpful

    Most recent answer
    Is it possible for us to qualify for FAFSA as well as Stafford Loans? We really need to help offset some of our daughter's college fees and could use some sound advice as to how to do this.

    Great question! I definitely recommend filing out the FAFSA - Free Application for Federal Student Aid - at www.FAFSA.ed.gov. This free application allows borrowers to apply for federal financial aid, which includes federal loans, grants, scholarships, and work-study programs. You can complete the application as early as January 1st. Some aid is awarded on a first come, first served basis, so the earlier it is completed, the better.Once the FAFSA is completed and reviewed, you will be provided...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Robert Henderson CDFA

    Mystic, CT

    Personal Finance, Retirement, Investing

    75 answers

    45 out of 56 people found Robert's answers helpful

    Most recent answer
    Where and how much should I invest in the market?

    First off, I would make sure that this is not $5000 of emergency savings, and that you have access to other funds if needed.Second, with just $5,000, the best place to start is with a discount broker, utilizing a low-cost index fund or ETF. I would also suggest you diversify between a few different asset classes (ie. Large Cap, Mid Cap, Small Cap, International, etc.).Most discount brokers have good resources for getting started. Some good discount brokers:VanguardE-TradeTD...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • David Meyers CFP®

    Palo Alto, CA

    Personal Finance, Retirement, Investing

    43 answers

    33 out of 34 people found David's answers helpful

    Most recent answer
    Should I sell my mutual funds and buy less expensive ones?

    "12 years ago ... invest[ed] $10K for me so he invested in mutual funds that had 5% front end loads and expense ratios well over 1%."There are a few more questions to ask here.  Is this a taxable account or is it an IRA?If it's an IRA, there's no reason whatsoever to keep those funds.  You can open a new IRA account elsewhere, liquidate that portfolio and transfer the cash over to the new place and build yourself a new portfolio with much lower cost funds and there should be no tax...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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