Fisher Financial Group Review

Fisher Financial Group Review

Fisher Financial Group Review

In this Fischer Financial Group Review, I want to talk about an incredible company that I think could benefit you if you ever required their services. Fisher Financial Group is a financial planning practice located in the state of Illinois. They provide a plethora of different services for the financial and retirement planning needs for those located in the Chicago area. Fisher Financial Group is an independently owned and operated a financial advisory practice. Their top-level professionals will give you the counsel you need, and help you find the best solutions that are right for you.

Fisher Financial Group approaches retirement planning in a unique way. They provide the security and flexibility you will need to create the perfect retirement portfolio. The people over at Fisher Financial Group are experts in things like wealth accumulation, asset protection, tax planning, estate planning, long-term care planning, life insurance, and 401(k) rollover strategies. They will provide with the knowledge and tools you need to attain the financial independence of your dreams.

Fisher Financial Group really wants to make sure that your quality of life increases during those golden years of retirement. They have a team of specialists that will work with you to determine where you are financially, set your goals for retirement, strategize on how they can help you achieve those goals, and walk you through every step of that very important process.

 

Fischer Financial Group Review: Services Offered

Fischer Financial Group offers a wide range of services. Here’s a list of a few things they can help you out with.

  • Professional investment planning and wealth management services– It doesn’t matter if you are new to investing or if you’ve been around the block a few times. It doesn’t matter if you have a small portfolio or a large portfolio, their investment professionals will do their best to help you understand where you are at, and help you meet your financial goals.
  • Portfolio asset allocation– When it comes to strong asset allocation planning, the team over at Fisher Financial Group knows how essential that is to long-term investing. It is so important that you have a portfolio that adjusts over time as you approach your financial goals.
  • Comprehensive financial planning– Comprehensive financial planning involves a very detailed analysis and review concerning all the facets of your financial environment. It is only through comprehensive analysis that your true financial condition is revealed and properly planned.
  • Retirement planning– Realizing a comfortable retirement can be a very difficult process that takes help from the right individuals with years of commitment. The complexity and time it takes to build a successful retirement are daunting tasks. Fisher Financial Group wants to lighten the load for you, and get you where you need to go.
  • Income planningFisher Financial Group is top-notch when it comes to income planning. Their goal is to lift the burdens of income planning off your shoulders. They prepare easy to understand income projections designed to answer the financial questions you have.

They offer so much more, and you can give them a call or visit their website to get more info. This is honestly just a taste of what Fisher Financial Group has to offer. Their genuine goal is to help you, and that’s something you can’t say about a lot of companies.

 

Fischer Financial Group Review: Credibility

In writing this Fisher Financial Group Review, I found that they are as credible as credible can be. They have an accreditation with The Better Business Bureau and an A+ Rating. They also have a 5.0/5.0 on topratedlocal.com. They are a website that really considers the quality and value of the business and the overall satisfaction of the consumer.

What I loved about writing this Fisher Financial Group Review, was the level of transparency that was evident everywhere the company was mentioned. When a company is open and honest about their practices, it makes me trust them more. I’m sure that goes for everyone out there. Nobody like dealing with shady companies that have a history of abusing consumers.

 

Fischer Financial Group Review: Consumer Testimonials

In writing this Fisher Financial Group Review, I didn’t come across any negative feedback from consumers whatsoever. What I did come across, was plenty of feedback from people who have been faithful customers for years. All they had to say about Fisher Financial Group, was nothing but positive. Here’s what some folks had to say about Fisher Financial Group:

“I met Dan Fisher several years ago to help me create a solid financial plan for my future. His advice has guided me in the right direction. I’m finally on track with a financial investment plan that will protect me in my retirement. I highly recommend Dan Fisher as one of the best financial advisors you’ll ever find.”

Another consumer wrote:

“Dan has been my advisor for over twenty (20) years. He has always been honest and upfront with all the information he has provided. I feel confident that he always has my best interest as his number one (1) objective. I look forward to many more years of continuing this relationship.”

After talking about so many terrible companies that are out there scamming people, it’s kind of refreshing to talk about an honest one that has been working faithfully with the community for years. These are the kind of places that remind that people are still good.

 

Fischer Financial Group Review: Conclusions

I think it’s safe to say in this Fisher Financial Group Review, that Fisher Financial Group is certainly a trustworthy company that will do right by you if you decide to use them. If you are thinking of going with someone else, maybe reconsider and see what Fisher Financial Group can do for you.

In this Fisher Financial Group Review, we are giving Fisher Financial Group 5 Stars. Let us know in the comment sections below what your thoughts are, or if you have any questions. Check Our Reviews page for more insight into trusted companies.

 

4 Reasons To Start Estate Planning Right Now

4 Reasons To Start Estate Planning Right Now

4 Reasons To Start Your Estate Planning Right Now

Many people, while still in their early youth years start estate planning, while others tend to hesitate to give it a thought. Most people don’t like to or want to start estate planning early in their life, because they don’t want to think about death and the what will happen afterwards. But, death is inevitable. Sooner or later you will have to start estate planning.

Estate planning might make you feel light headed, because of all the important and legal concerns attached to it, but it should be planned keeping in mind your own preferences and the concern for your children’s betterment. The following 4 reasons will convince you to get the ball rolling with estate planning.

 

Save Your Family From Heated Court Battles:

After your death, if there is no written Will left by you to your family, this might create some quarrels within the family. Your siblings or spouse might fight over issues related to the wealth and other financial assets left behind by you. When there is no one particular person who has been assigned the position to distribute your assets after your death, then people with no right to intrude, might interfere in your personal family affairs. It all just leads to trouble.

 

Secure Your Heir’s Future:

The sole purpose of estate planning is to ensure that the future of your family and children is made secure. Throughout your life you paid your insurance and saved money in a retirement plan. Should it be utilized to pay for your son’s college tuition? Or to help your daughter start her own business. These points can be mentioned in the Will as per your own and your family’s preferences. I know that may seen like a silly scenario, but things like that this actually happens. The devil is in the details. When certain things go unaddressed, there is always trouble.

Prevent Unwanted Heirs:

If you, by any chance make the mistake of not penning down a Will, with no specified heirs, then the state court would deem it necessary to decide who will become your legal heir, on its own. This situation is extremely time consuming and might lead to the selection of heirs who were never meant to be beneficiaries. Potentially keeping your intended heirs’ from inheriting your financial assets.

 

Appoint Guardians for Younger Children:

If in an unfortunate event, both parents pass away, leaving behind young immature children, then the Will should specify a person who will take the responsibility of Guardianship of those children. You should always appoint someone closest to you, someone who you trust as your children’s guardian, so that after your demise, your children’s future would be in safe hands.

Estate planning also assists in the distribution of your property among family members, or selecting the charity to which some part of your wealth would go. Settling taxes and debts should also be mentioned in the Will, so that the executor of your Will, knows how to resolve and carry out each and every one of your last wishes, keeping in line with your predilections.

Conclusion

It’s important to note that estate planning is not just for the super wealthy. Estate Planning could save your family a lot of headaches down the road. Just the give it a thought. Let us know in the comment sections below what your thought are, or if you have any questions. Check Our Reviews page for more insight into trusted companies. Check our site for reviews of all kind.

Debt After Death: What Happens To Your Debt When You Die

Debt After Death: What Happens To Your Debt When You Die

Debt After Death: What Happens to What You Owe Once You’re Gone

I am sure everyday people don’t wake up thinking about how they are going to die that day. While most of us make it through those 24 hours, some people aren’t so lucky. Quite a few of those unlucky fellows leave a fair amount of debt behind. You see, while you’re living your life and making monthly payments to creditors, your kind of forget that you may not be around to live out those full repayment terms. That’s an understandable thing to think. We see tragedy on the news, but believe whole-heartedly that something like that could never happen to us. Well guess what, the victims of the explosions, hit and runs, hungry bears, falling pianos thought the exact same thing. So if you have a fair amount of debt, then listen up. We are going to talk about what happens to your debt when you die.

 

Debt After Death: Statistics

You would not believe how many people die with outstanding debt. Here’s some statistics for you:

  • 73% of Consumer Die with Outstanding Debt
  • The Average Balance is $61,554 (With Mortgage Debt)
  • With No Home Loans the Balance is $12,825

So, what exactly is making up all this debt? I’m glad you asked. Here’s some more statistics:

  • Credit Cards – 68%
  • Mortgages – 32%
  • Auto Loans – 25%
  • Personal Loans – 12%
  • Student Loans – 6%

If you are wondering if I am just making this up, I am most certainly am not. All this data is based upon 220 million Consumers from Experian’s FileOne Database.

 

Debt After Death: What Happens When You Die?

So, let’s say you unexpectedly get hit by a bus, and you happen to owe $61,000 in debt. How tragic. Your family mourns for you, but then eventually they all start taking about money, because you you’ve got about $500,000 stashed away. So, what happens to that $500,000? Do your creditors automatically lose out because your dead? Can you just divide that $500,000 to your family immediately? No.

If you die, and have enough assets to cover your debts, then creditors get paid first. Meaning Your beneficiaries get whatever is left. So, in this case, if you owe $61,000 in debt, then your beneficiaries get about $439,000. Now that’s a good scenario for you. Here’s one that isn’t so great.

Let’s say, you are strolling along the road and a piano happens to fall right on you. Wham. You’re gone, dead, in sort of a comedic way. You’ve got $100,000  in credit card debt. Why do you have that much credit card debt? Well, because you probably have a problem. But that’s beside the point. Let’s say you’ve got about $50,000 put away because you want to give your child the best possible education when the time comes. You’ve chose not to deal with the credit card debt, because it would take away from the little nest egg you have. You can’t afford to both pay the debts down and give your kid a chance, so you make a choice.

So, once you are gone what happens to that debt if you do not have enough money to cover it all? Well, if you do not have enough assets to cover the debt, the creditors sort of lose out. That $50,000 isn’t going to cover that $100,000 you owe. At the same time, your kid kind of loses out to. That money is gone. Poof.

Not to worry, I am sure there are plenty of Government benefits they can take advantage of when school rolls around. They’ll just be in debt for the rest of their lives.

 

Debt After Death: How Does My Death Effect My Family?

Fortunately for you there is a bright side. And no, I am not talking about that bright light you may see once you die. I am talking about some good news for your family.  When you die, your family members do not become the beneficiaries of your debt. Meaning, your debt doesn’t get put under their name.

It’s important to keep in mind that things can get complicated and messy. Here’s an example. If your only asset is the home you and your family lived in, then that will be used to pay your creditors. It doesn’t matter if that’s Credit Card Debt or The Mortgage itself. Meaning your family must take over the mortgage, or they may even need to sell the home to pay off your debts. So just because the debt might not transfer over to them, doesn’t mean they won’t have to deal with it somehow.

If you have Co-signed on anything, then most likely the debt will be falling on the shoulders of the other signer. Properties where spouses share ownership, also handle debts acquired during a marriage. That’s kind of a terrible burden to put on anyone’s shoulders, especially your spouse’s.

 

Debt After Death: How to Protect Your Family

Is there any way you can make sure your family doesn’t have to deal with your mess? The best advice would be to make sure you aren’t in any debt. You can also try sticking to a budget while you are alive.  You may also want to consider life insurance and meeting with an estate planning attorney to make sure everything’s covered in the event of your death. That’s if you can even afford to do any of this stuff. Just keep in mind, good or bad, everything you do will affect your family in some way.

 

Death After Debt: Conclusion

Not planning for the worst now can really screw over the ones you love if something terrible were to happen to you. If you don’t have a will in place, the expenses to have these matters determined by the courts is outrageous. The administrative costs get paid before creditors and beneficiaries. Meaning even less for your loved ones. You really must ask yourself a very important question. If I died today, would my family be alright? If yes, then great. If your answer is no, then something needs to change.

Let us know in the comment sections below. Check Our Reviews page for more insight into trusted companies. Check our site for reviews of all kind.

American Financial Solutions Review: 5 Stars

American Financial Solutions Review

In this American Financial Solutions Review, we are talking about company that specializes in debt resolution located in Seattle, WA. We have good some great things about American Financial Solutions. So We thought we should check them out and put our thoughts into this American Financial Solutions Review.

 

American Financial Solutions Review: Introduction

American Financial Solutions is a well known, respected, financial education and credit counseling agency that helps clients find debt solutions and change their financial lives for the better. Since 1999, American Financial Solutions has worked with thousands of clients across the United States. Since inception, we have assisted over a million clients and have helped more than 250,000 pay off over $42 billion in debt.

American Financial Solutions Review: Services Offered

When it comes to helping you with your financial needs, American Financial Solutions is ready to help you get your life back on track. All of their services gravitate around getting you free from the burden of major financial obligation. In this American Financial Solutions Review, we found that they offer help with Credit Counseling, Debt Management, Student Loans Counseling, Bankruptcy (Pre-Bankruptcy Counseling or Post Bankruptcy Debtor Education, and Housing (Home Ownership Counseling or Foreclosure Prevention Counseling.)
You usually don’t see a whole lot of companies that offer this range of services. Usually, a lot of companies really specialize in one particular area. So the fact that American Financial Solutions offers this many services could easily be perceived as a potential red flag. Though, Judging by their accreditation, and accolades I don’t think there’s anything to be worried about.

 

American Financial Solutions Review: Accreditation

In this American Financial Solutions Review, we found that American Financial Solutions holds some of the most prestigious accreditation’s in the land of business and finance. First and most importantly, They hold an accreditation form the Better Business Bureau. On top of that accreditation, they have an A+ rating. Which is no easy thing to acquire. The Better Business Bureau has a lot of hoops that every single business has to jump through.
The Majority of companies don’t even get a rating. The Point I am trying to make is that it’s a long way to the top, and somehow American Financial Solutions has found it’s way there. They are also a member of the National Foundation for Credit Counseling (NFCC), and The Financial Counseling Association of America.

 

American Financial Solutions Review: Consumers Testimonials

Here’s a testimonial from a consumer that is straight form the Better Business Bureau Page:
“I just entered into an arrangement with America Financial Solutions about four months ago. I’m a person that has a fairly high income, but my 23 year old daughter became very sick with a rare blood clotting disorder and I just couldn’t keep up with my monthly payments. I seriously investigated all of my options. Bankruptcy chapter 7&13 because of my income it just didn’t seem like the right choice for me, so I looked into a debt management plan and I found out that using a real not for profit organization like American Financial Solutions was the best option for me. I pay about 200 dollars less a month than the estimate an Attorney gave me for a chapter 13. I feel better because I’m actually paying my creditors the money I borrowed from them . I’m not a good negotiator, but the people at American Financial Solutions did all of that for me and I can’t thank them enough. I really like this company and I would recommend them to anyone having serious financial difficulties.”

 

American Financial Solutions Review: Conclusion

In this American Financial Solutions Review, The CFRB gives this Company 5 stars. Check Our Reviews page for more insight into trusted companies. Check our site for reviews of all kind. It’s great place to become more knowledgeable about the world of finance, and will shed some light on some of the scams out there. Check out the previous post by clicking here.

Signature One Financial Review: Update

Signature One Financial Review: Update

 

In this Signature One Financial Review I want to talk about a Full Service Financial Firm that we have reported on in the past. Recently they have upped their game, amplifying their ability to make life easier for consumers across America. Just in case this is your first time tuning in, here’s a little about Signature One Financial in this Signature One Financial Review.

Signature One Financial is a nationwide full service financial firm located in Corona, CA. Signature One Financial takes pride in its approach to make the client’s needs first even when it means recommending a competitor to provide the financial service the client needs. Signature One Financial provides a wide array of financial services to its clients designed to meet their needs by tailoring the financial product around the individual rather than trying to sell a “one size fits all” financial product. Signature One Financial helps clients manage their debt and remove what may be the single biggest roadblock to financial freedom as well as design a retirement income plan utilizing tax advantage income strategies. So that’s a little background on Signature One Financial.

 

Signature One Financial Review: Transparency

Before I get into the details of what exactly Signature One Financial does in this Signature One Financial Review, I just want to talk about something that is incredible important. Signature One Financial has continued to cooperate and work with us, allowing us to conduct our extensive reviews. They have been completely transparent during the process of each Signature One Financial Reviews we have conducted. The level of transparency they give is not something we encounter all the time. Maybe only a handful of times this has happened with other companies. That’s why we continually give them 5 star ratings.

 

Signature One Financial Review: Services Provided

So now that we have covered the basic for those who many not be the most familiar with this company, we can now move onto more of the nitty gritty. The services provided by Signature One Financial.

So, what does being a full service financial firm mean? Well, it essentially means what you think it might means. They can pretty much help you with anything that is finance related. Do you have a massive amount of debt, and a need a solution? Signature One Financial can help you find one. Are you in the market for purchasing life insurance? Signature One Financial can help you. Are you beginning to thinking about your future, and where you should be putting your money? Signature One Financial have certified financial planners who have been working in the field for years. Here’s a list of some of the major services that Signature One Financial offers:

  • Debt Free Solutions
  • Emergency Savings
  • Health Insurance
  • Life Insurance
  • Medicare for Seniors
  • Retirement Planning
  • Fixed & Market Based Strategies
  • Personal Loans

One thing to note, all their business with insurance goes through Acquire Capital Insurance Services. A company that we believe to be trusted. Investment Advisory services are provided by Acquire Capital Management, Inc. 

 

Signature One Financial Review: Consumer Testimonials

Here’s a couple of consumer testimonials that confirms what we have been saying in this Signature One Financial Review.

“I got a personal unsecured loan from Signature One for 35k which i used to pay off my credit cards. My score was in the low 600’s i think bellow 630. my rate was 12% but I saved over 120 per month compared to my credit cards and my term was for 3 years. The Signature one agent said that was because their loan was simple interest not compound like my credit cards.”

“I have enrolled in this program through Signature One Financial with many doubts but so far, one out of my five credit card debts have been settled and the process was explained to me very thoroughly by my agent Chris Gaukler and everyone has been very understanding and patient. I’m hoping that everything will continue to go as smoothly as it has been and hopefully I will be debt free soon.”

 

Signature One Financial Review: Conclusions

In this Signature One Financial Review, The CFRB gives this Company 5 stars. Check Our Reviews page for more insight into trusted companies. Check our site for reviews of all kind. It’s great place to become more knowledgeable about the world of finance, and will shed some light on some of the scams out there. Check out the previous post by clicking here.

All in all, If you are looking for a company to help you out with some major financial decisions in your life, check out Signature One Financial.

Waddell & Reed, Inc. Review: 5 Stars

Waddell & Reed Inc. Review

In this Waddell & Reed Inc. Review we are talking about company offers financial advisory services to individuals and small businesses. Founded in 1937, Waddell & Reed Inc. is among the most enduring asset management and financial planning firms in the nation, providing proven investment and planning services to individuals and institutional investors. In this Waddell & Reed Inc. Review, we found that Waddell & Reed Inc.  Is located in Lynnwood, WA. While they don’t have an accreditation from the Better Business Bureau, they do hold an A+. Which is the highest letter grade one can receive.

 

Products & Services

In this Waddell & Reed Inc. Review we found there is an incredible number of products and service that are offered to you, the consumer. The goal for them is to be one of the leading names in financial consultation. They are truly prepared to help you out in any avenue you decide to go down. They deal in anything from Retirement & Financial Planning, Broker & Cash Management, and much more. Pretty much everything you could possibly want to do with your money, they are there for you. At least, that’s the conclusion we came to in this Waddell & Reed Inc. Review.

What I found to be really great in this Waddell & Reed Inc. Review is that they cater to more than one demographic. It’s not just about helping the common man achieve a dream. While that is a great factor, they are able to take anyone from any walk of life, and amplifying their current financial state. That is something that the folks over at Waddell & Reed Inc. have seemed to get right.

 

Web Presence

One of the things I want to mention in this Waddell & Reed Inc. Review is the website that Waddell & Reed Inc. have before I get into anything else. I went to check it out to find some basic information, and I was pleasantly surprised in this Waddell & Reed Inc. Review. Waddell & Reed Inc. is heavily involved in investing, and that is something is incredibly evident on their website. They have constant market updates going, which is good for someone who is considering some investments. Though, that doesn’t overshadow the other aspects of their company. I found in this making this Waddell & Reed Inc. Review that there is a really good balance between being incredibly informative and maintaining a user friendly site.

Sometime websites overload their site with every bit of information, and totally forget about creating a user experience. Other sometimes websites don’t put enough information, and you’re just left wondering what kind of site you are on. Am I on a clothing site or am I on a conspiracy theorist’s blog?

 

Consumer Testimonials

In terms of the consumer experience that people have had, we oddly couldn’t find enough to include in this Waddell & Reed Inc. Review. Though there is a great deal of testimonials from past and current employees that I found to be rather illuminating. It’s always good to get a glimpse at what goes on inside these companies.

 

Positive

One consumer wrote in this Waddell & Reed Inc. Review,

“A typical day includes: opening the office, stocking the office supplies, greeting all clients, turning on phones and listening to messages and relaying them to the appropriate person, scheduling appointment’s dealing with incoming and outgoing faxes, mail, and forms, filing, processing any checks that needed to be processed and turned over to Financial Adviser. How to process appropriate forms and run checks through Check. As for management and co-workers did not have a lot of interaction due independent work responsibility. The most enjoyable part of job was being able help provide for my family, paying bake debt, and somewhat of a small work environment.”

 

Another Consumer wrote in this Waddell & Reed Inc. Review,

“There is room for advancement, however, it’s incredibly competitive. The down side would probably have to be the communication that takes place. It is not very effective. In order to be a great company that clients want to invest in, all employees need to be on the same page. Each department is diverse. Some are great for entry level work and others are more suited for those who want to make a career.”

 

Negative

One Consumer Wrote in this Waddell & Reed Inc. Review,

“I really only learned that highly dishonest tactics are used to lure in new hires. The Manager was a compulsive liar. Soon after, I realized the job was nothing more than a large hole to throw money into. You have to pay an awful lot to even breathe in the office it seems. Do yourself a favor and just stop even thinking about working here. Unless you are really generous, and feel like giving them all of your money.

Another consumer wrote, “Typical sales job. You either find success or just die as a poor bastard. After paying the $1500 for all of the licensing they throw you to the dogs where you have to fend for yourself. Your first year, they pay you $2000/mo. while you are building your practice. That’s pretax, though.  This is practically poverty level and with all the time you invest it works out to less than minimum wage.

 

When you look at both sides of the testimonials in this Waddell & Reed Inc. Review, they are really saying the same thing. The consensus in this Waddell & Reed Inc. Review is that this company is incredibly competitive. Those who have the drive and have made it, are the ones with the positive testimonials. The ones with the negative testimonials honestly sound like the people who couldn’t make it. I say that because they don’t actually give any legitimate reasons as to why the company is a bad one. They just talk bout how they weren’t able to compete with the rest of the competition.

 

Conclusion

In this Waddell & Reed Inc. Review the CFRB gives this company 5 stars. Check our Resources page for a list of trusted companies, which have received 4 stars or better. Check Our Reviews page for more insight into trusted companies. Check our site for other Financial Planning reviews. Its great place to become more knowledgeable about the world of finance, and will shed some light on some of the scams out there.