Envision your life with less stress and worry about retirement. Imagine an actionable financial plan that lets you focus on the more imperative things in life. This is what we aspire to bring you, your financial freedom.
You deserve someone who listens to your vision of financial freedom to help you build and accomplish a plan around it. Over the past thirty years, we have learned that experience and trust are the most valued elements of establishing a financial plan. True financial planning should focus on YOU.
“A financial planner is a qualified investment professional who helps individuals and corporations meet their long-term financial objectives by analyzing the client's status and setting up a program to help the client meet those goals. Financial planners specialize in tax planning, asset allocation, risk management, retirement and/or estate planning.”
1. You don’t have a financial plan
2. You don’t know your retirement gap (what you have and what you need)
3. You don’t know how much you pay for investments or what your return is
4. You don’t have a strategy for down markets
5. You don’t know what your risk is
6. You are not sure if you are saving enough money
7. You have not set up a survivor or legacy plan
We create purpose-driven financial plans for busy professionals and individuals of all backgrounds. With the ever-increasing complexity of decisions that must be made with money, we’re here to make things simple. Depending on your circumstances, we can evaluate what will be the best course of action to provide the solution for your retirement.
Call: (212)-869-7266 or send us an email to schedule a free consultation at: Cliffordmichaels@conservativeadvice.com
Not at all, we work with people in many states across the country.
The term “smart home” sounds like something out of a movie on Syfy or a place where intelligent people go to converge. Yet, the concept isn’t new by any means. John Chambers, CEO of Cisco, referenced the concept at the Consumer Electronics Show in 1999.
If you’re a fan of political dramas on televisions, you’ll know that the turbulent world of politics has an affect on the global financial markets. But what about in real life? How much does art - if you can call shows like Scandal, Veep, and House of Cards art - imitate life, and vice versa?
A tight housing market is leading many young adults to postpone purchasing a home, choosing instead to go the rental route. Many simply don’t want to be encumbered with a mortgage and all of the responsibilities that go with home ownership.
These are the obstacles we all face in trying to achieve our financial goals:
When people warn you that having kids is expensive, it’s no joke. From diapers to food, braces to sports activities the costs add up quick. For a middle-income family in the U.S. raising a child up until age 18, costs an estimated average of $245,340 (or $304,480, adjusted for projected inflation), according to the 2013 “Cost of Raising a Child” report from the U.S.
Pat and Kelly, new parents, made a couple monthly budget adjustments upon the arrival of their first child. First, due to the added cost of day care and dependent health insurance, they decreased the amount they were saving for a house. And second, they agreed to review their life insurance needs.
The decision making process for single parents begins with the traditional question of determining how much life insurance is the right amount. The simple answer to how much life insurance is enough is quite simple. It depends.
So, the first question that you might ask is, “Depends on what?” That’s easy.
Accumulating wealth turns out to be a double-edged sword for business owners. It certainly has its privileges, but it also comes with additional risk exposures. In a 2011 Zogby survey, 92 percent of people with a high new worth indicated concerns over the possibility of home invasions, muggings, kidnapping, and even random street crimes.
Phone: 212-869-7266
Fax: 212-656-1014
Toll Free: 800-423-8424
Email: cliffordmichaels@conservativeadvice.com
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