| Far too many of us are content to wing it when it | | | | from under current credit problems. |
| comes to our finances. We live paycheck to | | | | A financial planner brings insights to the table that |
| paycheck and depend on our all-too-often meager | | | | most of us aren't even aware of. For example, if you |
| contribution to our 401k to keep us comfortable in | | | | are planning to send your children to college are you |
| our retirement years. That's assuming we even | | | | budgeting based on today's tuition averages or on |
| bother with a 401k. | | | | projected averages? Did you know 2009-2010 |
| While this approach may serve you in your | | | | private college tuition rates are up 4.4 percent and |
| day-to-day life it's a terrible way to prepare for your | | | | public tuition averages are up 6.5 percent from just |
| future. In all likelihood it isn't even serving you well | | | | one year ago? |
| now and you find yourself juggling bills or mired in | | | | It's insight into what's to come that gives financial |
| debt. Perhaps you're slipping a bit in your efforts to | | | | planners an edge to help you prepare for what's |
| save for your kid's college tuition. Maybe it's time to | | | | down the road based on projections rather than |
| accept that a bit of professional help is in order. | | | | assumptions you're making based on the value of |
| Even if you are managing your monthly bills, having a | | | | today's dollar. What applies now almost certainly |
| financial planner review your finances can lend | | | | won't apply when your youngest is ready to go off |
| significant piece of mind. A financial planner will give | | | | to school or you're ready to retire. |
| your finances root-to-bud scrutiny asking questions | | | | The best advice we can offer is to take the |
| you may never have even considered. | | | | guesswork out of it. If you're already struggling |
| Reviewing your finances with a professional will help | | | | financially, admit that you don't have the tools you |
| you discover both your bad habits and good so that | | | | need to work out a long term budget. That's nothing |
| you can reach your goals. And their services will | | | | to be ashamed of; few of us do. But your financial |
| often lend peace of mind. Not only can they help you | | | | planner lives and breathes this stuff. Let him help. |
| plan a budget with your future in mind, they can help | | | | You'll be glad you did. |
| you work out a budget you can live with to get out | | | | |