Like a critical life-saving operation where every move must be perfect and every minute counts, crafting and maintaining a retirement plan entails some of the most important decisions you will ever make. It should go without saying that what we do...more
The dangers facing today's investor have never been more deeply felt. The bloody lessons of the Great Crash of 2008 left no investor untouched, but some weathered the storm far better than others, and instead of facing financial desolation, are...more
Making the right assumptions about future rates of return is critical.
Investment returns assumptions can be an Achilles' heel in retirement analysis, and standardization is yet to emerge, even in the academic research. For instance, Gustafson,...more
Finance and investments : Do It Yourself or Hire a Pro?
Retirement Changes: Health Care, Social Security, and Medicare in 2014
How much do you know about the three largest learning curves that most retirees must face? In dealing with health care costs, Social Security, and Medicare, there are hurdles that can entangle even the savviest retirement-planner, especially when it comes to tracking rules and yearly changes?...more
Saving & Investing
How do you choose an optimal combination of investments to help you reach a goal that may be decades away?
When faced with all the decisions that need to be made to ensure you select the proper investments to meet your long-term financial goals, it's easy to become overwhelmed. The answer is to focus on the fundamentals. Make sure to get these basics right?...more
Outliving Nest egg
Personal Assets and Investable Assets: New Retirement Income Trends.
As financial experts sound the warning bells about the American retirement planning crisis, and how little the average worker has saved toward his or her golden years, all kinds of questions abound -- what exactly do retiring workers have squirreled away to provide for them when they quit working...more
Business to Personal
5 Key Steps In Planning Your Business's Legacy
When you build a business, you're not simply fulfilling a vision while earning a living; you're also creating a legacy. Enter succession planning: the process of preparing to hand over your company to future leaders. Let's look at how you should start preparing for your company's future management?...more
At the Oeming Group, we take care of all your financial needs. From goal discovery and portfolio review, to financial planning and investing, to estate planning and the protection of your assets, we...
Fee Only financial advisors are no-commission advisors who only charge for the advice they give. They do not earn commission by selling any Financial Products.
Fee Only advisors help to reduce the conflicts of interest inherent in how they get paid and what they recommend.
Fee only planners primarily focus on providing comprehensive financial solutions. Their fees include charging on a percentage of
assets under management, flat fee or hourly free basis.
The Fee Based advisors are different from traditional advisor on method of compensation. A fee based financial advisor are those who receive fees paid by you,
and commissions paid to them by a brokerage firm, mutual fund company, insurance company, or investment partnership. Unlike traditional financial advisors who receive a
commission from mutual fund and insurance companies for placing their client's money into their respective products, fee-based advisors earn fees from advice and
they make commissions on some of the products they sell. Thus advisors interests are considered to be more in line with those of their client's.
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Understanding Your Advisor's Credentials
Finding a financial professional can be a daunting task. There are literally thousands of people who
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can seem impossible. How do you choose a needle from a seemingly endless stack of needles? Financial
professionals understand this problem, and do everything that they can to differentiate themselves from
their competitors. Financial advisors have different educational backgrounds, experiences, and work with
different companies - all of which leave you with a host of variables with little solid ground to judge
This is why special designations were created. They level the playing field, allowing investors to see which advisors have gone that extra step
to make themselves the most qualified professionals. Designations are often earned through required coursework and examinations that test an advisor's knowledge
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WiserAdvisor strives to bring you an extensive listing of pre-screened financial professionals on the internet.
If you are interested in speaking with one of our professionals, please give us some brief information on our
We wanted to evaluate other investment strategies and compensation methods. We were getting tired of the fees that we were being charged. We don't want to get "nickel & dimed" to death with transaction and management fees. Thank you WiserAdvisor for helping us find our advisor!
Profile: Gary is in his early 50s, married, corporate hardware and software manager in Minneapolis, MN. He enjoys personal investing and model airplanes / trains. Portfolio Size: $800K
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