Student Loan Debt: What Happens After You Die

Student Loan Debt: What Happens After You Die

Student Loan Debt: What Happens After You Die

Thіnkіng аbоut уоur еvеntuаl dеаth іѕ nоt so fun, but unfоrtunаtеlу, wе’ll аll mееt thе same fate ѕоmе day. But if уоu hаvе ѕtudеnt loans аnd you раѕѕ аwау, іt’ѕ іmроrtаnt to know іf your dеbt could bе раѕѕеd on tо someone еlѕе. So let’s talk about what happens to your student loan debt once you pass away.


Student Loan Debt: Private Loans

Thіngѕ gеt a bit trісky whеn it соmеѕ tо ѕtudеnt lоаnѕ frоm private lеndеrѕ. Sоmе рrіvаtе student lоаn lеndеrѕ dо offer a death dіѕсhаrgе, but not аll of them. Sоmе lеndеrѕ of private (non-federal) student lоаnѕ оffеr a dеаth dіѕсhаrgе if thе bоrrоwеr dies. These іnсludе Sallie Mае, Nеw Yоrk’ѕ Hіghеr Eduсаtіоn Services Cоrроrаtіоn, Wells Fargo аnd Discover. Other lеndеrѕ mау gо аftеr the remaining bаlаnсе frоm your еѕtаtе. If уоur рrіvаtе ѕtudеnt lоаn hаѕ a co-signer, which many оf thеm do, уоu may bе hеаdеd tоwаrd trоublе. Your со-ѕіgnеr іѕ legally rеѕроnѕіblе for уоur dеbt аftеr уоu раѕѕ аwау, regardless оf the tуреѕ оf loans іn quеѕtіоn. Pluѕ, thе full bаlаnсе wіll likely bе duе іmmеdіаtеlу.

Hеаthеr Jаrvіѕ, a ѕtudеnt loan еxреrt, ѕtаtеd that for, “thе dеаth оf thе bоrrоwеr or thе co-signer can trigger a dеfаult. Thаt means thе еntіrе bаlаnсе bесоmеѕ duе immediately, еvеn іf thе ѕurvіvіng signer hаѕ аlwауѕ mаdе рауmеntѕ оn tіmе.” Sо, іf dealing wіth thе lоѕѕ оf a loved one isn’t hаrd еnоugh, gеttіng a bіll for your tоtаl аmоunt won’t make things any easier.

Aссоrdіng tо an аrtісlе оn ProPublica, Frаnсіѕсо Rеуnоѕо со-ѕіgnеd fоr hіѕ ѕоn’ѕ рrіvаtе ѕtudеnt lоаnѕ. Aftеr thе death of hіѕ ѕоn, hе was hounded by dеbt соllесtоrѕ lооkіng tо оbtаіn the rеmаіnіng balance. Hіѕ son died іn a trаgіс ассіdеnt and Reynoso fоund hіmѕеlf unable tо рау thе bіll, ѕеrvіng аѕ the fаmіlу’ѕ ѕоlе brеаdwіnnеr.

Sо whаt are уоu to dо іf уоu hаvе co-signed ѕtudеnt lоаnѕ? In оrdеr to аvоіd situations like thіѕ, lооk into a со-ѕіgnеr rеlеаѕе. Tурісаllу, lenders wіll rеԛuіrе you tо make оn-tіmе рауmеntѕ for a specified реrіоd of tіmе to illustrate thаt уоu аrе financially сараblе оf hаndlіng payments оn your оwn. In аddіtіоn, parent co-signers who соuld end uр liable for private ѕtudеnt lоаnѕ саn look іntо gеttіng a life insurance роlісу for thеіr сhіld. In the event of dеаth, раrеntѕ would rесеіvе a sum of money to help соvеr соѕtѕ. If уоu gо thіѕ rоutе, bе ѕurе tо рurсhаѕе a life іnѕurаnсе роlісу thаt wіll соvеr thе соѕt of аnу оutѕtаndіng dеbt. Fоr example, іf уоu’d bе оn thе hооk for $50,000, then get a lіfе іnѕurаnсе роlісу fоr аt lеаѕt thаt аmоunt оr mоrе.


Student Loan Debt: Federal Student Loans

If you оnlу hаvе fеdеrаl student lоаnѕ, thеrе’ѕ gооd nеwѕ.Fеdеrаl ѕtudеnt lоаnѕ are dіѕсhаrgеd whеn the bоrrоwеr dies.” That mеаnѕ іf уоu die wіth fеdеrаl ѕtudеnt loan dеbt, уоu wоn’t hаvе to worry аbоut іt being passed on to аnуоnе else.

Pаrеnt PLUS borrowers are also еlіgіblе fоr a dеаth discharge. Fоr Pаrеnt PLUS lоаnѕ, іt’ѕ the раrеnt — not thе ѕtudеnt — whо is legally obligated tо repay the lоаn. “These lоаnѕ саn be dіѕсhаrgеd whеn еіthеr thе раrеnt оr thе student dies. Dіѕсhаrgеd federal ѕtudеnt lоаn оblіgаtіоnѕ won’t pass to your еѕtаtе, аnd уоur heirs wоn’t hаvе tо pay them off.

In оrdеr for уоur lоаnѕ to bе dіѕсhаrgеd, a family mеmbеr оr еѕtаtе rерrеѕеntаtіvе muѕt рrеѕеnt a сеrtіfіеd dеаth сеrtіfісаtе tо thе school (fоr bоrrоwеrѕ wіth Pеrkіnѕ Loans) оr tо the lоаn ѕеrvісеr (for borrowers wіth a Dіrесt Loan or FFEL рrоgrаm lоаn). Hоwеvеr, thеrе іѕ оnе important thіng tо nоtе about Parent PLUS lоаnѕ. If thе lоаn wаѕ discharged duе to the student’s dеаth, раrеntѕ wіll receive a 1099-C form from thе IRS. Thіѕ form ѕhоwѕ the amount оf rеmаіnіng dеbt that wаѕ саnсеllеd and is treated as tаxаblе іnсоmе. Pаrеntѕ іn thіѕ ѕіtuаtіоn may bе hіt wіth a large tаx bill.


Student Loan Debt: If Yоu Arе Married

If уоu dіе, your ѕроuѕе could bе liable fоr your ѕtudеnt lоаnѕ. If you acquired student lоаn dеbt during thе marriage аnd live in оnе оf the nіnе соmmunіtу property states — Arіzоnа, California, Idаhо, Louisiana, Nevada, Nеw Mеxісо, Tеxаѕ, Wаѕhіngtоn, or Wіѕсоnѕіn — уоur spouse mау bе lіаblе fоr your ѕtudеnt lоаnѕ after you dіе. Thіѕ is usually nоt the саѕе іf уоu tооk оut уоur student loans before marriage, however. In thіѕ case, your ѕроuѕе wоuld bе оn the hооk only if thеу were аlѕо a co-signer.


Student Loan Debt: Whаt Shоuld Yоu do?

Thе аnѕwеr tо what happens to student loans whеn уоu die іѕn’t a ѕtrаіghtfоrwаrd answer — іt dереndѕ оn thе tуреѕ of lоаnѕ уоu hаvе, thе state уоu live in, if you have a cosigner, аnd more. Thе bеѕt thіng you can do tо mаkе ѕurе уоu аnd уоur fаmіlу are protected bу undеrѕtаndіng your lеndеr’ѕ роlісу rеgаrdіng dеаth dіѕсhаrgе and rеvіеwіng іn dерth. In аddіtіоn, look іntо со-ѕіgnеr release аnd a lіfе insurance роlісу thаt соuld help wіth аnу оutѕtаndіng dеbt. Preparing now саn ѕаvе your fаmіlу from financial trouble dоwn thе line.

Let us know what you think in the comment section 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.

Signature One Financial Review: Personal Loans

Signature One Financial Review: Personal Loans

In this Signature One Financial Review, we are going to do something a little different. We have talked about Signature Once Financial before. Signature One Financial is a company that is incredibly trustworthy. That’s why they are listed in our Resources page. Today, I would like to highlight a certain aspect of the Signature One Financial. We have talked about their debt resolution services in great depth. Now, I would like to take a gander over at the other half of this meat and potatoes kind of company in this Signature One Financial Review. I would like to talk about personal loans.


Signature One Financial Review: Loan Types

In this Signature One Financial Review, I’d like to talk about the different types of loans that Signature One Financial has to offer. Before I do that, I would like to clarify exactly what a personal loan is. Personal loans are known as “unsecured” debt because they are not backed by collateral, such as your home or car, as is the case with a mortgage or auto loan, respectively. Lenders will use your credit score to help determine whether to give you a personal loan and at what interest rate

So It’s not like they just give you a lump sum and let you decided what you want to do with it. Getting a personal loan doesn’t mean you receive money to go out and buy a new MacBook Pro. If you are reading this Signature One Financial Review, and that’s what you’re thinking, then you should just stop reading now. I suppose in theory, you could take out a loan at some pay day loan joint, no questions asked. Or through a Peer-to-Peer lending bank like Rise. The issue with those places is the terms they offer, and the rates they offer. You’ll end up paying way more in the end than you originally borrowed. Let’s take a look at the loan types Signature One Financial can help you out with.


Signature One Loan Types:

  • Debt Consolidation Loans 
  • Home Improvement Loans 
  • Short Term & Bridge Loans
  • Auto & Vehicle Loans
  • Small Business Loans
  • Baby & Adoption Loans
  • Engagement Ring Financing
  • Wedding Loans
  • Friends & Family Loans
  • Green Loans
  • Military Loans


If you’re new to the world of loans, you’re probably thinking while reading this Signature One Financial Review that some of these loans shouldn’t even be a available. Wedding loans and engagement ring financing? What do those two things have to do with Signature One Financial? Well, That’s just an example of the lengths Signature One Financial is willing to go just to help you. They’ve go their bases covered, and they are ready and able to help you through whatever life may throw your way.


Signature One Financial Review: Benefits of a Signature One Loan

What are the benefits of using the service that Signature One Financial has to offer? Well, you get everything you could every want when dealing your personal finances, and some perks that you’ll only find in the best companies around the country.

  • Easy Application
  • Fixed Loan Rates for the Life of the Loan
  • Loans are Unsecured with NO Collateral Required
  • Loans CAN be used for ANY Purpose (i.e. Medical Expenses,
  • Vacations, Moving, etc.)

    *Except Post-Secondary Educational Student Loans

  • No Balance Transfer Requirements
  • No Cash Advance Fees
  • No Early Payoff or Pre-Payment Penalties
  • Low, Fixed Monthly Payments
  • Control in Knowing Exactly What You Owe and When It Will Be paid Off

It isn’t too often that we come back and talk about a company this frequently. Signature One Financial is one of the companies that continues to comply with CFRB regulations, and remain transparent. They give us the freedom to properly do our reviews, so we can bring you the best possible content.


Signature One Financial Review: Conclusion

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.

Gershfeld Law Group Review: 4 Stars

 Gershfeld Law Group Review


In this Gershfeld Law Group Review, we are going to be talking about a law group that has been helping people for quite a while now. The Gershfeld Law Group provides a variety of legal services, ranging from Debt Relief to Civil Litigation and Business Transactions. We pride ourselves in providing excellent legal service with a personal touch. At the Gershfeld Law Group, you are not just a name. We take pride in having a personal relationship with each one of our clients.

At the Gershfeld Law Group, they understand that the difference between success and failure is a good strategy. They goal is to put their clients in a position of strength so they can effectively achieve their goals. They do that with proper leverage and excellent negotiation skills.

The founder of the Gershfeld Law Group, is a civil litigator and trial attorney with almost seventeen years of experience handling complex personal injury lawsuits, medical and dental malpractice lawsuits, civil rights lawsuits, employment related lawsuits and construction defect lawsuits.



In this Gershfeld Law Group Review, we found that they specialize in a few different areas. Foreclosures probably being the most prominent.  The truth of the matter is foreclosures are still on the rise. The Gershfeld Law Group can help you file a civil lawsuit against the bank or your loan service provider. If you are in the process of a foreclosure, there may be various defenses available to you, such as seeking a loan modification, short-selling the property, filing for bankruptcy protection (which will place an automatic stay of the foreclosure thereby allowing you to stay in your home longer), or giving the lender the deed instead of foreclosing on the property. They also, deal in things like Debt Consolidation, and Bankruptcy. Pretty much anything that requires legal representation in the world of finance.
One thing we found in this Gershfeld Law Group Review is that their attorneys collectively have over 100 years of litigation experience. and have represented individuals and business in a wide variety of legal disputes, involving all kinds of contract issues, promissory notes, leases, business and partnership disputes, real estate disputes such as quiet title, neighbor disputes, commercial landlord/tenant matters, boundary disputes, and adverse possession.

According to their Website, they have all the attributes a law firm should have. A good law firm should have:

  • Knowledge of your industry
  • Hands-on experience
  •  Ability to handle all legal matters involved
  • Capability of taking a project from start to finish
  • Attention to detail
  • Excellent Negotiation Skills


Their lawyers have extensive experience and knowledge of residential and commercial real estate issues. Including:

Short Sales

  • Purchase and sales agreements
  • Retail, industrial and office leasing
  • Condominium and planned community documents
  • Partnership and joint venture agreements
  • Financing documents
  • Title and survey issues
  • Declarations of easements, covenants and restrictions
  • Land use and zoning restrictions
  • Environmental compliance and “brownfields” development
  • Construction contracts
  • Loan workouts
  • Agent disputes


Consumer Reviews

Despite the amount of time the company has been in business, and the rating it has on the BBB, WE found it incredibly difficult to any consumer feedback. The feedback we did find was in contrast to the rating it was given. So it might give perspective to you, the consumer.

One Consumer in this Gershfeld Law Group Review said: “When asked how they get paid, they would only say “no money from your pocket – the money is taken from the settlement with the companies (very vague) I later found out that they take some of the money that you are sending to satisfy your debt, and I believe they take their money first. Upon examination of the document sent to me when I requested a breakdown of all the money I sent, I found large amounts taken for fees (including incentive-type fees) to various members of the debt settlement division. All and all the company was not honest and “up front” about how it works.”



In this Gershfeld Law Group Review, The CFRB gives this company 4 stars for really setting the bar. 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 reviews of all kind. Its 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.

GoWize Review: 0 Stars

GoWize Review

In this GoWize Review I want to talk about a debt consolidation company that has received a couple of things from the Better Business Bureau. Things that’s we thought you should know about just in case you are considering doing business with GoWize. The First thing I want to mention in this GoWize Review is the C+ rating they received, which is not the greatest, but not the worst either. The other thing I found while writing this GoWize Review is that they have received is an actual BBB Alert. Warning consumers to stay away from this company. I haven’t seen many companies that have actually received a warning. I have seen plenty of companies with A+ ratings, and plenty of companies with F- Ratings. Though I am not entirely sure how you can achieve an F- rating. There are also some comments from consumers I found while writing this GoWize Review that have me a little bit concerned, but I will get into that later. Let’s jump into it.

In this GoWize Review we found that they have been a part of the financial industry since 1993. Their team of “experts” has helped thousands of customers modify their mortgages and negotiate debt relief. With years of experience and knowledge of the evolving debt industry, we found while writing this GoWize Review that they are uniquely qualified to take advantage of their clients. Their approach enables us to choose the best options for our clients to fix the specific financial problems they have right now, putting each person on a path to financial security and peace of mind. Among mortgage and debt relief solutions, we found while writing this GoWize Review that they also offer Bi Weekly Mortgage Accelerating, Auto Loan Modifications, and Tax Resolution.


Warning Signs

In this GoWize Review we discovered that this company first came to the attention of the Cleveland BBB.  At that time a Nebraska consumer received a mailing from GoWize offering credit card debt reduction services.  We also found in this GoWize Review that since that time consumers in Georgia, Pennsylvania and Virginia have reported receiving similar mailers. At least one of those includes the additional name of “GoWize”.  The Better Business Bureau has been unable to confirm any Ohio corporate filings for either company name.  In addition, mail sent to the address listed on the mailing has not been returned.


Consumer Testimonials

It was actually quite difficult tracking down any testimonials for this GoWize Review. There’s a lot of cloak and dagger when it comes to GoWize. The testimonials I did find for this GoWize Review were about their advertising and sales tactics.

One Consumer Wrote in this GoWize Review, GoWize is sending nothing but junk mail solicitations to a resident who does not even live at my house. This is a fraudulent Debt Relief scam company. GoWize buys lists from outdated info somewhere, then they send official looking documents in an attempt to scam the recipient.”

Another Consumer Wrote GoWize Review, “Received a mailing from GoWize at 9800 Rockslide rd. Cleveland Oh. Saying that I currently held a balance of $36,214, and that we’ll negotiate the terms late. The flier they sent even had a case number. There is only one issue, and it’s a fairly large issue. I do not owe anyone any cash close to that amount. I think their dollars data is fabricated somehow. I am pretty sure GoWize is using fear tactics. Trying to get innocent people to call, so they could take advantage of them and take all their money.”

It honestly sounds like in this GoWize Review that GoWize is a scam company. If you have been reading our reviews for some time now, you’ll know that we don’t like throwing that word around, because it’s so incredibly accusatory. So the fact that we are saying in this GoWize Review, says a lot. A fair share of companies that I have seen that with that attached to them are not actually scams. Sometimes there’s just a great deal of misunderstandings and misrepresentation of information. On top of that, a great deal of emotion can get involved when writing a review. Especially when you did not get the service you were hoping for.

In this case, when you have an incredibly credible site like The Better Business Bureau saying to that they are a scam, then there is something up. They are not swayed by personal opinion, like a regular person is. I wouldn’t call them even a review site. They are sort of a halfway point.  A mediator between consumers & the businesses.



So can we recommend that you use the services of GoWize in this GoWize Review? No we cannot. In fact, we recommend that you run the other way. This company is most certainly a scam. Everything points in that direction, so we are going to assume that in this GoWize Review, until proven otherwise. It’s always so important that you look into a company before you use their services. I’ve heard far too many horror stories about people who just jump right into the thick of everything without thinking it through. So make sure to be careful. If you get an offer from a company being run by a Nigerian Prince, Then Run!

In this GoWize Review the CFRB gives this companystars. 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.