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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

  • Anna Sergunina CFP®,ChFEBC

    Burlingame, DC
    Santa Barbara, CA
    Washington, CT
    Odenton, MD
    New York, NY

    Personal Finance

    2 answers

    2 out of 2 people found Anna's answers helpful

    Most recent answer
    I recently moved to the US and my green card is still in process. I have an SSN, but it's a "work only" SSN. What are my best options for getting a checking account?

    There a few big banks that can open checking accounts for non-residents and "work only" SSN card.1. CitiBank: http://goo.gl/tTPkDu2. HSBC: http://goo.gl/14FbdXCheck out this...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.
  • James Kinney CCPS,CFP®

    Bridgewater, NJ

    Personal Finance, Retirement, Investing

    113 answers

    129 out of 180 people found James's answers helpful

    Most recent answer
    Are social security disability benefits better than regular social security? Are you required to switch to regular when you turn 66?

    To answer the other half of your question, I do not believe there should not be a noticeable difference in benefits when you switch to retirement.  To find out for sure what your retirement benefit will be, check your social security benefit statement at www.ssa.gov, or give them a call....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.
  • Jim Ludwick CFP®

    Odenton, MD
    Washington, DC
    New York, NY
    Santa Barbara, CA
    Burlingame, CA

    Retirement, Investing, Insurance

    22 answers

    9 out of 12 people found Jim's answers helpful

    Most recent answer
    Do you know of any auto insurer that might provide complete primary coverage for a rental car in Texas for a 4-month period?

    I'm sorry we didn't see your question sooner as you may already have found a solution.Insurance is a tricky product. Texas laws on required coverage for non owner operators are available on the internet.  There are several companies that offer this product and you can search, find and contact them. Your credit card company may make an exception or you might have to do a succession of rentals to fit within their 31 day limits. Making a lot of phone calls, asking for concessons, 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.
  • Tracy Becker

    Tarrytown, NY

    66 answers

    54 out of 76 people found Tracy's answers helpful

    Most recent answer
    We have an active line of credit and two inactive lines that are each at $0. Would if be detrimental to our credit to cancel the two un-used accounts?

    It could hurt your credit depending on the overall state and variety of your credit accounts.  If the lines are considered "Revolving Credit" (not all lines are in that category) it can hurt your balance to limit ratios of your revolving credit since you are reducing your aggregate limits.  If these accounts are old they can fall off 2 years after closing them.  If you lose old credit it can hurt your scores since it reduces average age of credit.The best way to tell is if I...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.
  • Hildy Richelson

    Blue Bell, PA

    Personal Finance, Retirement, Investing

    38 answers

    32 out of 57 people found Hildy's answers helpful

    Most recent answer
    I am selling my business for 7 million dollars. What will be the capital gains tax on that amount?

    Without knowing the tax basis of your assets, and the nature of those assets there is no way to answer your question. If you are selling assets, for example, some will give rise to a capital gain or loss, some will give rise to ordinary income of loss. f you sell stock of your company, you will have a capital gain or loss depending upon your tax basis in your stock. For example, if you had a tax basis of $10 million, you would have a $3 million loss. If you had a tax basis of $4 million,...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.
  • Adria Gross FIPC

    Monroe, NY

    Insurance, Healthcare

    6 answers

    10 out of 12 people found Adria's answers helpful

    Most recent answer
    My doctor sent my blood work to an out of network laboratory. Do I have any recourse for these resulting high medical bills?

    I would find the normal scheduled fee rates for those procedure codes and call Quest Diagnostics.  Ask Quest Diagnostics if they will accept the lower procedure code rates. They might be willing to accept the lower amounts.If you would like to discuss your case, please call me at 845-238-2532.  Good luck resolving your high...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.
  • Michael Walliser CIMA

    Martinsville, NJ

    Investing, Personal Finance, Retirement

    1 answer

    5 out of 5 people found Michael's answers helpful

    Most recent answer
    Does adding a credit card affect your credit score in a significant way? I am 59, my husband and my combined income is 100k/year.

    Thank you for your question! Generally speaking, opening up a new credit card should only have a minimal adverse impact on your credit score up front.  With time, though, having a new card can actually boost your score! Let’s take a closer look at what the more immediate negative impacts are.  When you seek out and apply for a credit card, you’ll likely cause a “hard pull” on your credit file, where the issuer will scan your report and determine if/what limit to offer you. ...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.
  • Michael Sander

    Tarrytown, NY

    Retirement, Investing, Taxes

    23 answers

    28 out of 45 people found Michael's answers helpful

    Most recent answer
    We're retired and will be selling out house this year. How should we invest the proceeds from the sale? (details below)

    Congratulations on having a great retirement scenario.  I agree with Chris on many of his points.  Creating a financial plan and seeing your various probabilities of success will be a helpful guide in making some smart decisions.  Being that you are right around social security age it is important to have a strategy to maximize your social security benefits.  We all do not know how long we are going to live but there is a break even period when delaying benefits will reap...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.
  • Jorie Johnson CFP®

    Manasquan, NJ

    Personal Finance, Retirement, Investing

    5 answers

    9 out of 12 people found Jorie's answers helpful

    Most recent answer
    I'm recently got a pay bump, so I'm working on getting my finances in order. Should I start by paying down debt, or would saving/investing first be better?

    It is important to tackle both goals simultaneously.  Too often I see people who focus on one financial goal and the next thing they know years have passed and they are behind in achieving their other goals.  Earmark a set amount each paycheck for your credit card payment and your investment account (a retirement account is a great idea).  If you can save $400/mo towards your goals, split this between the debt and investments.  Also, make sure to manage your credit card...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.
  • Gary Shor CFP®,MBA

    Warren, NJ

    Personal Finance, Retirement, Insurance

    11 answers

    11 out of 18 people found Gary's answers helpful

    Most recent answer
    My father died in Sept. 2013, and left his 401ks to me. The last one has about $9000 in it. I've been told that when I cash this out I will have to be 15% penalty immediately. Also been told that it's a 33% penalty immediately. What's the real story here -- how much of a penalty do I need to pay?

    Sorry for your loss.Quick answer:- There are no early withdrawal penalties when someone withdraws/distributes funds from an inherited 401k, IRA, 403b etc...- There will be income taxes due on the amount withdrawn in the year it was withdrawn.  The amount will be added as ordinary income on the tax return for beneficiary (you) in that year.When a non spouse inherits a 401k they can have the funds transfered to an inherited IRA and then take Required Minimum Distributions (RMDs)...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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