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Financial Planning

Build a secure financial future for yourself and your family with our comprehensive resources
on personal financial planning, including tips, tools, and strategies for achieving your financial goals.
Managing Debt: Effective Strategies
Vladimir Kouznetsov, EA, CFP® - Jul 25, 2023

Practical Strategies and Approaches for Effective Debt Management

Being in debt can feel like having a gigantic rock tied to your ankle. It is hard to move forward, and the constant worry and stress associated with it can be overwhelming. In this article, we'll explore several debt management strategies, comparing their benefits and drawbacks, and discuss how a Certified Financial Planner (CFP®) can guide you through your unique financial landscape towards a more secure future.

Top Financial Mistakes to Avoid
Vladimir Kouznetsov, EA, CFP® - Jul 14, 2023

Top financial mistakes to avoid, empowering you to take control of your money and pave the way toward financial prosperity

In our journey toward financial success, we often encounter numerous pitfalls that can impede our progress. Understanding these pitfalls is the first step in avoiding them and securing a stable and flourishing financial future. Today, we will shed light on the top financial mistakes to avoid, empowering you to take control of your money and pave the way toward financial prosperity.

End-of-the-Year Money Moves. 2022 Edition
Retegy Team - Nov 23, 2022

Here are some things you might consider before saying goodbye to the outgoing year

What has changed for you in 2022? This year has been as complicated as learning a new dance. Did you start a new job or leave a job behind? That’s one step. Did you retire? There’s another step. Did you start a family? That’s practically a pirouette. Proving that you have all of the right moves in 2022 might put you in a better position to tango with 2023.

401(k) Loan Repayment
Retegy Team - Jul 11, 2019

A longer repayment time can be an advantage.

The conventional wisdom about taking a loan from your 401(k) plan is often boiled down to: not unless absolutely necessary. That said, it isn’t always avoidable for everyone or in every situation. In a true emergency, if you had no alternative, the rules do allow for a loan, but they also require a fast repayment if your employment were to end. Recent changes have changed that deadline, offering some flexibility to those taking the loan.

Diversification, Patience, and Consistency
Retegy Team - Jun 27, 2019

Three important factors when it comes to your financial life.

Regardless of how the markets may perform, consider making the following part of your investment philosophy: Diversification, Patience, and Consistency

Retirement and Adult Children
Retegy Team - Jun 6, 2019

Supporting family can put a crimp in your strategy.

Families are one of the great joys in life, and part of the love you show to your family is making sure that their basic needs are met. While that’s only to be expected from birth through the high school years, many households are helping their offspring well into their twenties and beyond.

The Problem of Money Paralysis
Retegy Team - May 24, 2019

Not making a move may not always be the best move to make.

A decision not made may have financial consequences. Sometimes, we fall prey to a kind of money paralysis, in which financial indecision is regarded as a form of “safety.”

Cash Flow Management
Retegy Team - Dec 5, 2018

An underappreciated fundamental in financial planning.

You’ve probably heard the saying that “cash is king,” and that truth applies whether you own a business or not. Most discussions of business and personal “financial planning” involve tomorrow’s goals, but those goals may not be realized without attention to cash flow, today.

Ways to Ease the Cost of College
Retegy Team - Nov 27, 2018

A look at grants, scholarships, 529 plans, and other methods.

How much could a college education cost in the 2030s? You may want to take a deep breath and sit down before reading the next paragraph.

The Move Toward Fee-Based Advisory Accounts
Retegy Team - Nov 19, 2018

Why financial professionals are changing their business models.

A major shift has occurred in the financial world. More and more financial professionals have moved away from the industry’s traditional compensation model to a new one – in the eyes of many of them, a better one.

Save & Invest Even if Money Is Tight
Retegy Team - Nov 18, 2018

For millennials, today is the right time.

If you are under 30, you have likely heard that now is the ideal time to save and invest. You know that the power of compound interest is on your side; you recognize the potential advantages of an early start.

Build Your Rainy Day Fund
Retegy Team - Nov 17, 2018

Like an emergency fund, it can come in handy.

Sometimes, life gets expensive. A little bad luck or a twist of fate can hit us right in the checkbook and challenge us to live within our budget.

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Vladimir Kouznetsov, EA, CFP® is an investment advisor representative at Retegy LLC.
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