During a discussion with a group of financial planners, mostly fee-only “solo-preneurs,” I suggested that many of us would be extremely challenged to serve all clients as their fiduciary and provide all their needed services.
One advisor shared that she had recommended outsourcing the ongoing management of a client’s portfolio to a highly regarded, low-cost money management firm. All things being equal, she said, she couldn’t provide the services for anything close to the price of the outsource firm.
This advisor recognized that her highest and greatest good for her clients was in her financial planning skills and in serving as a catalyst to help them do what was in their best interests. She felt that their portfolio needed ongoing oversight and recommended someone other than herself to provide that service. The advisor acted in her clients’ best interests — just as all fiduciaries are required to do.
The client appreciated the thoughtfulness of the recommendation but elected to keep everything with the planner. With full disclosure and informed consent, the advisor had fulfilled her fiduciary duty.
But what is our fiduciary obligation to prospective clients, as opposed to existing clients? Investment advisors are fiduciaries under the Investment Advisers Act of 1940, not only for our clients, but also in recommendations given to prospective clients, including the recommendation that they work with us and how that arrangement will be structured.
In other words, our fiduciary duty applies at the point where we propose how we enter into the equation. Are we the best choice of advisor to meet a prospective client’s needs? Could we be a great help in most areas and provide outsourcing options for everything else? Are there similar services available for less money?
Some states require disclosures of this type, and many professionals argue that it’s their ethical duty to provide them Most registered investment advisors have standard disclosure language regarding the fact that “like services may be obtained at a lower cost elsewhere,” but many may not be aware of our responsibilities at the point where we make a pitch to a prospective client.
Consider the common scenario of a holistic solo practitioner with multiple service offerings — for example, a retainer for long-term planning engagements, an assets-under-management fee structure for the portfolio, and hourly or project fees for everything else. We have to be equipped to offer these services as promised, yet I’ve found that most solo practitioners and small planning firms are better off if they focus on one, or possibly two, pricing or service-offering options.
Let’s consider an advisor who does primarily project work and charges an hourly or flat fee. The work is limited in scope, and the engagement is complete upon delivery of that work product. But the advisor may also work with a few clients on retainer, who are welcome and encouraged to contact the advisor anytime, day or night, if they have questions or concerns. On top of that, the advisor provides ongoing portfolio management, comprehensive planning and tax return preparation services for clients.
Financial emergencies come in all shapes and sizes. They are, by definition, obligations that you haven’t planned for and that will be difficult to pay. Whether you should have anticipated an expense is irrelevant once you’re faced with it. If you must pay it soon, and if not paying it will bring serious consequences, then you have a financial emergency.
Many people have an emergency fund — money set aside for no other purpose than to bail them out of a crisis when they have no other cash available. Even if you don’t have such a fund, there may still be ways for you to make room in your budget to accommodate the urgent expense. And if you do have an emergency fund, you can use those same methods to put off having to dip into it, which will make your “rainy day” money last longer — or preserve it for the next unforeseen expense.
Reducing regular expenses
Your first line of defense in a financial emergency should simply be changing the way you spend money. In other words, tighten the belt. Delay, reduce, or do without certain things so more income can be used to meet the emergency. With smaller unexpected expenses, you may take this first step instinctively and not even think of it as an emergency. Perhaps you get a costly parking ticket and, because of it, decide to skip taking your family to the movies. You rent from Redbox instead and pay a few dollars instead of $50 or more.
Redirecting cash saved for irregular expenses
“Flexing” your spending to deal with an emergency between paydays only goes so far. You may need to reduce spending over several pay periods to cover the emergency — but you still you need the money now. Before taking it from a designated emergency fund, look to your next line of defense: savings earmarked for an annual or irregular expense, such as a vacation, home or vehicle maintenance, or a bill that gets paid once a year.
Setting aside cash for these irregular expenses is part of any solid budget. Of course, if you tap such funds in an emergency, you’ll need to pay yourself back before these bills come around. Do that by continuing to flex your spending over multiple pay periods until the reserves are restored.
What happens when you fully flex your spending and drain your cash reserves? Will you have to sell off belongings, liquidate investments or compound the problem by borrowing money? You can avoid pawnshops and payday lenders if you have an emergency fund on top of your earmarked cash reserves. Selling stuff is usually the last line of defense.
Finding quality financial advice can be a chalenge, especially if you’re already very wealthy. And offers of “free advice” almost certainly turn out to be sales pitches. But there are accessible, affordable financial advisors for the not-yet-wealthy.
Every day, members of the Garrett Planning Network provide truly useful financial advice, not cleverly disguised sales pitches, to people from all walks of lives. And who couldn’t use a little bit of competent, objective financial advice from time to time?
Garrett Planning Network members are bona fide financial planners who tailor services to your specific needs and circumstances. You pay for advice based on the amount of time involved. Services and costs are always agreed on in advance providing you with simple transparency.
To help minimize potential conflicts of interest all Network members are Fee-Only, which means the only compensation these financial planners ever receive comes from clients, no commissions, no referral fees. Garrett planners work solely for and always in the best interests of their clients.
With affordable advice and over 300 Network members across the United States, anyone can find and hire an actual financial advisor. No financial planners located near you? Many Garrett planners provide long-distance advice by telephone, email, and virtual meetings on-line. Good financial advice often pays for itself many times over, and cost or geography should not prevent anyone from accessing such advice.
Why Binary Options Signals are Important for Profitable Trade
The presumption behind binary options trading is a fairly straightforward one. Investments are made depending on a prediction of the way the price of an asset may move. Contracts are purchased based on if an amount will go up or down, reach a specific number, remain within a range of costs or move outside of that range. One thing that the dealers appreciate about the market is that they understand before the trade how much cash has been endangered and how much gain will be made should they make the correct forecast. Recently signs came into place to help traders make such predictions. A supplying support may help traders to make trades that are persistently successful.
Basically, binary options signals are recommendations. But these tips are based on automated analysis that runs on the specific algorithm and careful monitoring of the financial market. Once the investigation is complete, and a recommended trade is generated, an automated message as s sent to the trader who can follow the idea or ignore it. Several experienced traders take advantage of binary options signals to save time in addition to getting improved results. The trader can be saved several hours of trying to evaluate all the possible moves and results and observing the market by getting market signals. It may save them from spending hour after hour researching resources. Newcomers may use binary options signals to help them discover how to choose trades and the method by which the marketplace operates.
Binary options signals are just as reliable as the company which is producing them. Some companies still hire a high number of professionals who research and watch various indexes although many signs are computer generated. Some companies hire expert dealers who can utilize their years of experience and expertise to generate signals which may be helpful to traders.
You can find several credulous suppliers accessible although selecting a company which sends binary options signals can look rather confusing. The first factor to notice is that because one supplier is more expensive does not signify that their suggestions are anymore exact. Be sure to not use the cost as a principal index of a supplier’s dependability. Then remember that a supplier which makes ridiculous claims is probably just that. Be very careful of those providers who claim to raise wealth at a substantial speed. Some of the issues that are most important to try to find a provider is that they are reputable. How do other traders speak of them? Do they have a good reputation and an excellent track record? It can be beneficial to study up on some legitimate critiques on different suppliers before selecting one. Still another place to test out a signals supplier is in discussion boards and community forums.
Source: same as my HOTH platinum order
The Perks of Outsourcing Tax Return Filing Services
What is your definition for taxes? For sure majority of us are already aware of what taxes are as we are required to pay them. If you haven’t started to pay for tax returns and you want to learn more about it, then peruse this article further.
Knowing More of Taxes
Tax is one financial term that is used in describing the mandatory charges and levies collected by the national, local and state government. These taxes are vital to the operations of the government as it is used in financing not just the daily operations of the government but also public education, national security as well as the various government infrastructural projects like the construction of bridges, schools and roads. You could just imagine the quality of public service if the government failed to collect taxes from the working public and the government. That is why, penalties and punishments are implemented for those who evade and delay in paying their taxes. For those who are having issues when it comes to the filing of their tax returns, then the best thing that they can do to ensure timely and efficient tax return filing is to outsource this particular task to a legit, licensed and dependable tax return filing service provider.
Filing of tax returns are intricate and taxing as it entails lots of processes like sorting the tax codes, balancing the tax liabilities together with the deductions and exemptions, computing the amount as well as completing the required legal documents. If you considered preparing and filing your own tax returns harrowing and taxing, then it would be several times the burden for business owners and organizations. You can do away with the troubles, headaches and stress caused by these tasks by getting the expert services of tax return filing service providers. These days, you can come across lots of choices of service providers as well as accounting companies that furnish this kind of service to assist taxpayers and companies for their tax return filing needs.
What Are the Advantages of Getting the Reputable Services of Tax Return Filing Service Providers?
1. The moment you outsource your tax return filing task to outside service provider, you will have more time to focus more on other important business issues.
2. These third-party providers are experts and have several years experience when it comes to the filing of tax returns and they the different kinds of local and national tax codes and laws.
3. You will not worry anymore of penalties and punishments as these service providers will ensure that your tax returns are filed accurately and timely. These service providers make sure that they file your tax returns way ahead of the scheduled deadlines so as to have enough time in sorting data and details.
4. These service providers not only possessed the legitimate, experienced and licensed CPAs and auditors but also experienced tax preparers as well.
What are you waiting for, outsource your tax return filing needs to reputable and dependable tax return service providers.
Source: Tax Return
Learn More About Your Tax Return
There is a quite funny statement which says that you are guaranteed to experience two things throughout your life – death and taxes. Taxes are the fines imposed by the government on individuals and corporations. The taxes can be seen as the income-generating method of the government which is vital for their functioning. As long as you are a citizen of a country you pay tax.
How do institutions and people pay for their taxes? Well they do so by using tax return. These are papers that are considered as forms which those paying taxes need to fill out and submit to the tax bureau. Where do you get these forms? Well employees typically get this from the companies where they are working. It is also possible that the company that they are working for is the one in charge of filing them. Those who are not connected with any company can get it from the bureau of tax. The forms do not come at a price.
Now there are different tax returns for different purposes. To distinguish one from the other a number is placed on the form. There is a tax return for individuals who are taxpayers. For corporations or businesses there is also another kind of tax return. You would also find a tax return that you need to file for your investments.
Now if you get a form what are the things that you will see there? Well there are basically three things that you can see in such a form. The first one will be income. This is where all sources of income are written. Employees, having their salary as source of income have companies that do this for them. If you are self-employed then you must put there all income-generating sources that you have.
The next part will be for the deductions. As its name implies this is the part where you can put all the things that can be deducted from your tax. Do you know what these deductions can be? For individuals examples of deductions can include alimony that you pay your spouse. Another kind would be what you contribute to a retirement savings plan. Businesses have more leeway when it comes to deductions. All of the expenses that they incurred in the operation of their business can actually be considered a deductible. Examples of such operational expenses are materials and electricity.
The last section is devoted to credits. This applies most to individuals. Their dependent children is their credit. How big their credit is depends on the number of children. Having more dependent children may mean more tax credit for a person. Old dependent parents can also be considered tax credit. The credits may differ in different places. You need to find out about those where you live.
Source: Tax Return
Should you be concerned with your financial circumstances, set your thoughts confident. Online payday loans may help you increase your funds. You need to simply understand how better to utilize these financial loans to assist you. There are many particulars you should know before applying for these particular financial loans, and here are some tips to help you out.
One crucial suggestion for any individual hunting to take out a cash advance will not be to take the initial provide you with get. Payday loans will not be all the same and even though they normally have horrible rates of interest, there are a few that are superior to other people. See what sorts of offers you can find after which choose the best 1.
Determine what APR means before agreeing to some pay day loan. APR, or annual percent level, is the quantity of fascination the business fees around the loan when you are paying out it again. Although pay day loans are fast and handy, compare their APRs using the APR incurred with a banking institution or perhaps your credit card business. More than likely, the paycheck loan’s APR will probably be much higher. Check with just what the pay day loan’s monthly interest is very first, prior to making a decision to obtain any cash.
A lot of pay day creditors need a bank account. The financial institution will probably request you to approve a one-time primary move from your banking account to get rid of your loan. Have a agenda for these repayments and make sure there may be sufficient funds in your money.
Think twice before you take out a pay day loan. No matter how a lot you believe you require the cash, you must understand these loans are extremely pricey. Needless to say, if you have hardly any other way to put foods on the desk, you have to do what you could. Nonetheless, most payday loans find yourself pricing individuals double the amount they obtained, as soon as they spend the money for personal loan off of.
In case you have any important things, you might want to consider getting them with you to a pay day loan provider. Sometimes, pay day loan suppliers enables you to safe a cash advance in opposition to a valuable piece, say for example a component of fine jewellery. A attached pay day loan will often possess a lower interest, than an unguaranteed cash advance.
Just use a payday loan that may quickly agree you. In case the firm can’t accept the loan quickly, they are possibly using an antiquated method and aren’t worth your time and effort.
Make sure you keep a close eyesight on your credit score. Aim to examine it no less than annual. There can be irregularities that, can severely damage your credit history. Possessing bad credit will in a negative way influence your interest rates on the pay day loan. The more effective your credit score, the reduced your interest rate.
There are some pay day loan companies that are acceptable for their individuals. Take time to check out the corporation that you want to adopt financing out with prior to signing anything. Most of these firms do not have your best desire for thoughts. You must be aware of on your own.
Do not let a loan company to chat you into employing a new bank loan to pay off the balance of your earlier personal debt. You will definitely get caught make payment on service fees on not simply the first bank loan, however the next too. They can swiftly discuss you into doing this time and time again before you pay out them greater than 5 times what you experienced initially lent in only costs.
Should you be developing a hard time determining whether or not to work with a payday loan, phone a client credit rating counselor. These experts normally work with non-income companies that provide free credit score and financial assistance to customers. These individuals will help you find the right paycheck lender, or even even help you rework your finances so that you will do not require the financing.
Usually do not have a personal loan for just about any more than you really can afford to pay back on the up coming pay out time period. This is a good idea to be able to shell out the loan in whole. You may not desire to spend in installments as the fascination is really great it could make you owe far more than you lent.
Many people can benefit from a pay day loan in emergency situations. Take the time to understand fully the way a pay day loan operates and exactly how it might influence the two of you absolutely and in a negative way. If you use payday cash loans intelligently, you could possibly deal with your immediate fiscal worries and set up away from on a road to increased stableness later on.
The Importance of Financial and Retirement Planning The importance of financial and retirement planning is one of the many things that people have not realized yet. One of the many common things that people have is to be a rich person. The people will as a matter of fact be able to enjoy a lot of benefits from the professional stock advisory service. This is actually one of the many ways in order for a person to be able to have long term sustainable and massive wealth. For you to dream is not bad but what is bad instead is if you will not make any efforts to make sure that you will be able to reach your dreams. As a matter of fact, your stock market dreams will have the same concept. This means that you will not be able to have a long term sustainable and massive wealth created if you will not take the wise and correct approach. What does it really mean if you’re a good trader and you are able to place your bets well? For you to stop thinking of the long term financial or retirement plan is not what you are licensed to do because of this. In order for you to be able to achieve the sustainable wealth goal it is for the best that you will use the Systematic Investment Planning or SIP for short.
Finding Ways To Keep Up With Tips
The most basic fact that you need to know about the stock market is that this is a dynamic world that constantly changes. Keeping up with the changes actually means that a person needs to exert some effort in order to do so. What the person needs to exert at some extent are namely the following: focused, up to date, concentrated and always informed. Furthermore, there is also a need for the person to make sure that he will be a good observer both around the globe and locally.
Learning The “Secrets” of Financing
To be steered away from the bad trades is as a matter of fact one of the many things that you can benefit from the good stock advisor or financial planner. That is as a matter of fact not the only benefit that you will be assured of. The best investment and trading opportunities is as a matter of fact what you will be led to when you make use of the good stock advisor or financial planner. If this task will be done by only yourself then by now you should know that you will not be able to achieve this task easily. This is the kind of task that is best left in the hands of the good stock advisor or financial planner. The good stock advisor or financial planner is the most knowledgeable when it comes to this field.
Financial Tips That Will Make Your Retirement A Walk In The Park. The age of 40s is clear sign that someone is approaching their retirement age. This age should remind you that you need to have a planned future for your family. Thinking should be a way of making financial plans that will help your better the life of your family during your retirement period. The biggest problem for people in this case is the fact that they need to start saving but at the same time are working on buying a house. Financial experts should be in a position to advice you based on these many things that could be a distraction while you try to save money for your future. Failing to make a financial and retirement plan is actually planning to fail in your old age. It is rare to find financial plans that are similar. Every person will have a different salary and therefore it could be hard for them to be the same. Similar salaries could still make different financial plans in the sense that people could have other different sources and ways of getting extra cash that makes the way they spend and save different. Most people in their 40s will actually now be straining to have a fun life and at the same time be saving for the future. The tips herein will help you find balance with your debts and spending. Having a cash reserve should be our first strategy in this case. The fact that you may have emergencies to handle at one point in your life shows how importantly the first point is. A portion of your savings should always be put in an emergency saving fund. From time to time you will have to handle a lot of things in your 40s. Think of things like the furnace that will need to be replaced like at least every year. The happening of these problems will not be a big deal if you prepared for them in advance. A single person should have at least a six month form of salary ever in their accounts in terms of emergency funds while if there is a couple working together their three months’ salary will do the trick just fine. Try your best to do without debts. Those making houses and those going for schooling purposes could find these debts very useful. There will be more and more interest accumulating while you stay long with debts. You will actually save more if you pay it fast. Otherwise, when taking loans always check the rates so that you get the cheapest.
The Essential Laws of Tips Explained
Savings should be one thing inclusive of the life of your kids. The education of your children is likely to stress you if you are not planning for it. Start to save the minute you have a kid; this should be the latest you wait to begin.If You Read One Article About Services, Read This One
It used to be that the only person that had a lanyard (and also likelihood is, the guy did not even know that was just what the item was accurately referred to as) was the particular trainer of the child’s football organization, whom wore one around his neck area to hold his whistle right there. Go forward several years, and they set out to pop up at classes, events, vacation retreats and such. Then companies got in on the act and began using them for Username badges. Almost all was in fact well for a couple of more years and then and suddenly, organizations, in their ongoing desire for some minor dohicky which they could very well hand out that this beneficiary wouldn’t dispose of, found out the simple lanyard. They are often tailored! Abruptly, the battle was on … plus in addition to refrigerator magnet cards, ink markers and ball head coverings, people throughout were sporting Lanyards detailed with all the title, hues, logo design, web site and contact details associated with local (and not so community) organizations.
It turned out to be as if the wave hovered for a minute there with conferences and company use, before bursting into your public industry. Then the ladies utilizing sparkles plus beads got into the actual scene, and suddenly right now there’s not simply lanyards using ribbons, wires, ropes, straps and webbing, but you’ll find them hand beaded, metallic, even running after themselves having LED lights! Lanyards help children never to get lost, searchers to maintain their particular duck calls, smokers with regards to their e-cigs, professional photographers with all their lens caps and even loups. When the number of people what are still continuing to uncover brand-new ways to utilize a lanyard is almost any indication, their own popularity in all likelihood hasn’t now yet begun to peak!
If you are striving for tactics to make use of the many Lanyards with your assortment, just seek advice from YouTube with regard to fresh new suggestions. These days, the lanyard, although beneficial, will be as much a fashion accessory as it truly is any other thing. In fact, the brand new types available on the market, those with individualized lockets and additionally particular holders and latches really link the visible difference among accessory and also utility. Any business hunting for a good way to turn out to be memorable with their consumers’ eyes will need simply to pattern a lanyard that is unique enough to trap his or her wandering attention as well as their creativity and they’ll have it created simply because absolutely no person throws away a nice-looking, beneficial and additionally originally designed lanyard.
Benefits of Debt Management Programs
Have you ever wondered which option to choose from among the many possible alternatives for debt relief? It is true that every financial situation is different, but a debt management program has distinct advantages to consumers compared with other debt relief options.
You can get a certified credit counselor who can review your debts and give you the best advice on which debt solution is best for your situation. And the thing nice these days are because you can even do this at the comfort of your home. An online search with a little verification to validate their claims and then you have.
The reduction of monthly debt payments is the primary benefit of a debt management program for those who enroll in it. Reduction of cutback can run between thirty to fifty percent. If you qualify for a debt management program, all of the multiple unsecured debts you include in the program will be consolidated at a lower interest rate that ranges from six to ten percent. With this, you can now easily manage your debts with lower monthly payments.
In a debt management program, when you debts are consolidated you only need to make one payment each month on all the debts included in the program. You make one payment each month instead of worrying over multiples bills and their due dates. With consolidated credit, you can even sign up for an autopay system, which is a simple way to automatically set up your payments.
When this is done spontaneously, penalties are then eliminated and your credit counselor can negotiate with creditors to waive penalty interest rates and penalty fees applied to your account.
Although there is only one monthly payment for all your debts included in your debt management program, if you want to get out of debt faster than you can reenroll in a debt management program. So even if you pay less each month, the reduction in interest payment allows you to pay off your debts sooner because you pay less in accrued interest.
We all have different financial situation but those who have enrolled in debt management program can once again rebuild their credit rating since the debts entered in the program will no longer be penalized on your credit report.
So instead of facing bigger financial problems, it will give you great peace of mind to enroll in a debt management program so that your debts will be consolidated and let your have control over your debt.
In addition, your personal credit counselor is not just there to be an administrator, they are certified credit experts trained to help provide the financial education and tools you need to be successful.
Source: how to manage debt
Why Do We Acquire Personal Loans?
Banks as well as other lending agencies are the ones that caters personal loans. Even if they acquire different approving procedures of the said loans, they share the same purposes why a lot of people acquire the said services.
Various Reasons to Acquire Loan
Tuition fees nowadays are very expensive which most people are very much aware of. Aside from tuition, you also need to pay for miscellaneous expenses when you send your children in school. Nowadays, a lot of people most especially parents struggle to budget in order for them to pay the huge amount of tuition. This is why they are getting personal loans from bank or other lending institutions.
For Home Improvements
It is in our knowledge that there will come a time wherein our homes needs to be repaired or even replaced. Surely you will spend significant amount of cash particularly if you hire experts for the job. Getting personal loans can help a lot in this situation.
During unexpected times, health problems and also accidents happens. Although we have health insurances, the huge costs of hospital bills and other expenses cannot be covered with these insurances. This situation will usually lead people to get personal loans to pay such expenses. Personal loans will provide help to all people who need financial help especially during emergency situations.
All of us definitely needs some time alone to get rid of daily stress. More often, we think of bringing our loved ones with us so we can have a more enjoyable vacation. With this, having the right budget is important and personal loans can help a lot.
One would definitely need a lot of money for wedding preparations. No doubt, the wedding dress alone is very expensive. Not just that, you also need lots of money for venue, limousine rental as well as catering. Personal loan is definitely can help with these wedding expenses.
Definitely there are lots of reasons on why you get personal loans. Personal loans can help a lot to individuals who don’t have enough money to spend in times of needs. Make sure that you are aware that acquiring personal loans is not a free money. But, this is just a quick help for you to acquire cash especially in an emergency. You will still need to pay it depending on your payment options. You can likely choose to pay it either monthly or yearly, depends on the lender.
Personal loans are one good option most especially if you don’t want to miss out great opportunity as well as great experiences together with your family.
Become Rich Through Financial Management We live in times where we can not be sure of the stability of the global economy. The best thing to do to is to educate ourselves about proper financial management and learn the best practices of financial planning. This may take time, as the proper planning and adjustment to financial habits will not happen overnight. For one to have long term accumulation of wealth, one has to learn to spend only 60% of total income on expenses and keep the 10% in savings. Most of us spend beyond our income or earnings which is the reason why we have no savings. This is a demonstration of insufficient financial planning and management which needs to be changed. This guide will teach you how to develop and improve habits that can lead to long term wealth accumulation. Be in control: It is best to know what is happening in your finances. List down all your expenses and subtract this from your total income. You will be left with a figure which will tell you whether you are spending below your means or overspending. There are many tools and applications that can help you monitor your expenses and monetary flow.
Doing Investments The Right Way
Save, save, save: It is important to start saving early and make this as often as possible in order for you to develop discipline when it comes to money. Utilizing the “pay yourself first” rule simply means taking a small portion of your income, as small as 10%, and set it aside for savings. Open a savings account with high interest so you can deposit your savings there.
A Brief Rundown of Financing
Emergency fund: It is also recommended to create aside money amounting to three to six months of your living expenses or an emergency fund. You can begin this by getting a small portion of your income and put it in this category. An emergency fund should never be touched unless there is a crisis or an urgent need. The emergency fund should be set aside in a non-ATM savings passbook account so that you can not easily withdraw money on a whim. Don’t just save, invest: While saving money is important, know that investing can make your money grow faster and can help you accumulate wealth over the long term. Investing is not easy and it will depend on how risky you are with your money. There are treasury bonds, stocks, index funds and mutual funds. You should determine first your risk appetite when it comes to investing. A firm like St George investment management can help you determine your investment risk appetite and help you with your financial goals. Increasing your financial literacy can help you overcome financial obstacles and teach you to become smarter in handling your money.