“Fee-based financial planning is essentially paying a fee for independent advice, regardless of a product sale,” Ruark Pepler. Not every financial planning decision needs to lead to the sale of a product. Sometimes, adding more money to your debt, or paying a fee for advice to confirm that you’re on the right track is worth...
“Just because you have an RA, doesn’t mean you’ll be able to retire,” Ruark Pepler. There are many hard truths that people only face a few years away from retirement when it’s possibly too late to make subtle changes to their plan. The earlier you can tackle these misconceptions, the sooner you can fix them!...
“In short, we call this an emergency account,” Ruark Pepler. Many people have heard, but not heeded, the advice to “save for a rainy day”. In financial planning terms, we view this as an emergency account and it should form a basic part of every financial plan. Your emergency account must: Be easily accessible Not...
“Every financial plan starts with a budget!” Ruark Pepler. It is almost impossible to plan for your future financial needs if you don’t have a budget. Contrary to popular belief, a budget shouldn’t make you feel bad or feel like you’re useless with managing your money, rather, a budget is an important tool to guide...