Top Financial Advisors
At the same time, many more types of financial planning advisors have become an option, including accounting firms, insurance firms, investment houses and brokerage organizations.
What may be of the upmost importance, however, for consumers to know when they set out to find financial advisor, is that financial planning advisors divide along one very clear - and often largely underestimated - line of differentiation: those who provide their clients with unbiased financial advice based on the fee-only fiduciary code of conduct, and those whose ultimate compensation includes both fees by the client as well as commissions on the particular financial products, or 'packages', they recommend in the context of their service.
Fee-only fiduciary financial advisors are required by regulation and law to act only based on their clients' personal interests, much like legal counsels and doctors. Non-fiduciary advisors are under no such obligation, and so consumers should realize that the financial advice they receive from them may be partly affected by the particular financial programs they promote, on behalf of 3rd party companies who own and operate these programs.
In addition, the advancement of online-technologies and artificial intelligence engines now enable consumers to obtain top financial advice from online services, such as the recently launched Find Financial Advisor website. Offering a wide scope of services including Free Financial Assessment, as well as Financial Planning and Retirement Planning this online personal finance service offers first class financial advice ranging in price from $195 to $275.
Why smart people do stupid things with money
some best from Amazon
Why Smart People Do Stupid Things with Money: Overcoming Financial Dysfunction
Bert Whitehead, named one of the "Best 60 Financial Advisors in America" by Worth magazine, has a unique "behavioral finance" approach that goes beyond mere number crunching to help people understand and overcome the complex psychological baggage they bring to their financial decisions. Tested and confirmed by hundreds of Bert's clients-including celebrities such as Andrew Weil, MD, who wrote the foreword for the book-this system shows readers how to identify areas of financial dysfunction, and offers specific strategies designed to help different personality types achieve financial freedom by working with their own natural inclinations.
Amazon Price: $13.57 (as of 01/07/2010) 
Why Smart People Do Stupid Things with Money (2007) - DVD
Why Smart People Do Stupid Things with Money
This release is a holistic approach to financial planning that allows you to understand the financial mistakes you're making that are keeping you from accomplishing your economic goals. Bert Whitehead, M.B.A., J.D., selected by Worth Magazine as one of the top 100 wealthy advisors in the country, provides over 40 financial tips to help you make smarter decisions about money.
Amazon Price: $15.49 (as of 01/07/2010)
Top 6 Tips On How To Become A Millionaire
Who Wants To Be A Millionaire? Here's How To Get There
Most people associate becoming considerably rich with winning the lotto, or inheriting an unexpected sum of money from a member of the family. The truth is that many Americans are becoming financially independent by applying a set of very simple rules onto their financial behavior. The first step is to realize that 'financial health' is much like physical health. To be healthy, you need to monitor your diet, exercise properly, regulate your time in order to have sufficient rest, and avoid dangerous activities.When it comes to reaching financial security, following these rules have already proved effective for millions of American families, and turned them to what the industry calls 'middle class millionaires'. The Five Fundamentals for the best personal financial health are:
1. Find the best financial advisor
There are several ways to get personal financial advice, including at your local bank's branch and from financial specialists in investment firms or your insurance agency. However, you should take into account that this type of advisors charge considerable fees, and also get paid commissions on specific financial programs they recommend you purchase, as part of their service, so their motivation may be commercially driven at times.
An effective way to avoid that, and receive unbiased advice designed to take into account only your own priorities; you should explore consulting with a fee-only, fiduciary financial advisor. Mush like lawyers, these advisors are required by regulation to have only your well being when they guide you to the financial steps most appropriate to your condition.
2. Save at least 10% of annual income
Take steps to live within your means and balance future needs against current ones. To fund your future needs you must save and invest at least 10% of everything you earn.
3. Retain sufficient financial liquidity
Always pay your bills and fund short term cash flow needs. You should plan to be able and survive three catastrophic events within a six month period and meet mortgage payments for 24 months.
4. Maintain you pension fund
Maximizing the use of available tax shelters, so as to save money on your taxes, and invest it wisely for your future needs.
5. Buy the right house for your budget and be a savvy real estate investor Own the right size home and keep positive financial leverage and inflation protection. Measure your diversification among three major asset classes of Interest Earning, Real Estate, and Equities. It will enable you to the following financial benefits:
* Leveraged Real estate serves as an inflation protection,
* Interest earning provides safety & deflation protection, and
* Equities enable growth during times of prosperity.
6. Always pay off credit cards and consumer debts
Minimize your consumer (or "bad") debt, so that you do not borrow from the future to finance your 'now'.
On the Find Financial Advisor website you can find out more about how you can become a middle class millionaire. The site proposes top financial advice services by the nation's best personal financial advisors.
Deduct It! Deduct It! For Tax Year 2009
Deduct It! Deduct It! For 2009 Tax Year
Deduct It! Deduct It! is updated each year to document your non-cash charitable donations for use on your individual tax return (Form 1040 Schedule A). Fair Market Values are researched within the prior three months of the publication date across the country in used clothing stores, thrift shops, online, and other methods. Our program meets all IRS regulations and is designed for you to document your donations as you're boxing them up. In this 2009 edition, you will find a new 'verification' process for your charitable donations. All you may need is a caculator at year-end to add up your tax savings!
Amazon Price: $9.95 (as of 01/07/2010)
Deduct It! Deduct It! For Tax Year 2008
Deduct It! Deduct It! For Tax Year 2008
Deduct It! Deduct It! is updated each year to document your non-cash charitable donations for use on your individual tax return (Form 1040 Schedule A). Fair Market Values are researched across the country in used clothing stores, thrift shops, online, and other methods. Our program meets all IRS regulations and is designed for you to document your donations as you're boxing them up. All you may need is a caculator at year-end to add up your tax savings!
Amazon Price: $9.95 (as of 01/07/2010)
A Good Financial Advisor, Anyone?
Shopping For A Good Financial Advice? Introducing An Innovative Service...
If you are the average American consumer, like me, then you probably associate a financial advisor with a 3RD floor office furnished with leather covered oak chairs and rows of accountant under green desk lamps. At least that's what I always thought of when I set out to seek top line financial advice. But guess what - time are changing, fast, and there is less and less reason to spend over a $ 1,000 for a 45 minute session that will have you come back for at least several more by the time you emerge with a sound financial plan to put your household financials in order.Gone are the days when you only had your local banking branch's staff as the preferred authority on personal financial advice. Gone, too, are many of the unique benefits that used to be associated with wall-street types in fancy investment firms.
These days, you can get the best personal financial planning advice over the web - and spent a lot less money, and much less time, getting it.
Following the consuming trend that transformed many of the services we used to get by physically going to specialized stores and offices to online destinations, the Internet now offers top tier financial advice, given by the best financial advisors in the country.
An even more compelling reason to find your personal finance advisor online is the fact that as opposed to most other methods of financial advice, some online advisors offer their high value service based on a fee-only, fiduciary basis, which means that the advice you get from them is in no way related to any particular financial programs and products they may lead you to consider. A fiduciary financial advisor profits only by charging you a fee - and a modest one at that - unlike non-fiduciary advisors who earn twice by serving you: paid once by you for the service they provide, and a second time through commission they receive from financial institutions for selling you their financial programs.
Online financial advice services now use advanced chat based artificial intelligence engines that enable fast - and discrete - processing of your information, thus saving advisors' time spent on your reports. This process allows consumers to pay far less for top financial advice, as well as get their answers much faster.
So next time you look to find financial advisor - my advice: try the Online Personal Finance directory. Go online with your need and see how helpful it can be!
Facing Financial Dysfunction: 2nd Edition
Facing Financial Dysfunction: 2nd Edition
Becoming fiscally fit is at least as difficult as becoming physically fit. We have to actually change our behavior, and few of us want to. In Facing Financial Dysfunction, Bert offers profound guidance with simple concepts in understandable language. He helps us examine and change our belief systems, our behavior, and our capacity to accumulate wealth. He is a master teacher, and in this authoritative book he offers the best of what he knows. Read it and prosper.
Amazon Price: (as of 01/07/2010)
Facing Financial Dysfunction: Why Smart People Do Stupid Things with Money
Facing Financial Dysfunction: Why Smart People Do Stupid Things with Money!
It is not hard to recognize some of the most common symptoms of financial dysfunction. Sometimes the symptoms are easy to identify, and sometimes you need to look deeper. Unlike in medicine, when a financially dysfunctional person learns to treat the symptoms, more often than not, the dysfunction will eventually go away.
Here are seven symptoms I see most often in my planning sessions:
1. Mortgage Aversion
2. Inappropriate Risk Reactions
3. Compulsive Spending or Excessive Debt
4. Poverty Mentality
5. Miser Mentality
6. Acute Financial Paranoia
7. Windfall Woes
Amazon Price: (as of 01/07/2010)
by PersonalFinanceUSA
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