Archive - 2015

1
Debt Consolidation Loans Don’t Work (But You Might Get it to Work For You!)
2
Cheryl Sherrard quoted in The Wall Street Journal
3
Social Security Filing Strategies for the Single Person
4
Put Yourself First with a Financial Advisor Who Puts You First
5
Where to Start With Retirement Savings

Debt Consolidation Loans Don’t Work (But You Might Get it to Work For You!)

wallet-squeeze instead of debt consolidationYou’ve likely heard or seen the commercials that urge you to consolidate your debt into “one low payment”. The concept makes logical sense and promises to free up some cash so it is easier to live paycheck to paycheck. The reason this usually doesn’t work is that it doesn’t address the real problem. The reason we get into this mess is because we have not learned how to spend within our income. What we need is a method to manage and organize our money so we make conscious decisions about how we spend it. A good book that I’ve used …

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Cheryl Sherrard quoted in The Wall Street Journal

Planning to Retire in 2015? Read this.
Before collecting that final paycheck, new retirees need to make important decisions. And it’s not just money. There’s also the issue of how people are going to fill their time in a rewarding way. “You don’t want to see people just stepping off a cliff into the big unknown,” says Cheryl Sherrard, director of financial planning at Clearview Wealth Management in Charlotte, N.C. “Planning and talking about the things that are ahead will make for a much smoother transition.”
This is an excerpt from The Wall Street Journal article by Tom Lauricella. To… Read More

Social Security Filing Strategies for the Single Person

You can listen to this article by using the podcast player below if you’re on the blog; if you’re reading this via RSS, there should be a “Play Now” link just below the title to access the audio. If you’re receiving this article via email, there should be a “Download Now” link within the text of the message to retrieve the audio file.

backwardsMost Social Security filing strategies are focused on married folks, or those who have been married and are now divorced or widowed. Single folks who have never been married seem to get short shrift – but it’s …

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Put Yourself First with a Financial Advisor Who Puts You First

Businessman in Cubicle Raising Foam HandA Washington Post column entitled “Find a financial advisor who will put your interests first,” seems to offer simple advice but how easy is it to really do this?

You may have heard it before—you need to take care of yourself so you can take care of others. In finance, people tell you to pay yourself first and if you’re on a plane you’re advised to put your own mask first. But for many of us it is not easy to put ourselves before others, even when we know that this is the best way for us to be of …

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Where to Start With Retirement Savings

choicesToday, we have so many choices for our retirement savings that it can be difficult to choose which sort of account to contribute to. If you are fortunate enough (as many are) to have more than one type of retirement plan available to you, in what order should you contribute to the accounts? Right now, at the beginning of a new year, is an excellent time to start with retirement savings.

Qualified Retirement Plans

First of all, many folks who are employed by a company have some sort of tax-deferred, qualified, retirement savings account available. These accounts go by many …

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