North American Securities Administrators Association, Inc.
http://www.nasaa.org/home/index.cfm Certified Financial Planner Board Of Standards Web Site:
http://www.cfp.net/default.asp Journal of Financial Planning Web Site:
http://www.fpanet.org/journal/index.cfm AARP Financial Planning Web Site:
http://www.aarp.org/money/financial_planning/ Financial Planners Standards Council Web Site:
http://www.cfp-ca.org/index.asp American Association of Individual Investors:
http://www.aaii.com/ The National Association of Personal Financial Advisor's Web Site:
http://www.napfa.org/ Foundation for Financial Planning:
http://www.foundation-finplan.org/ WHYY Financial Planning Web Site:
http://www.whyy.org/tv12/financialplanning.html USAA Educational Foundation Basic Planning & Investing & Financial Planning Web Page:
http://www.usaaedfoundation.org/financial/bi10.asp Oracle ThinkQuest Financial Information & Planning Web Sites:
http://www.thinkquest.org/library/websitena.html?3478 Library Web Page:
http://www.thinkquest.org/library/index.html Personal Finance Society Home Web Site:
http://www.thepfs.org/1_about/1-0_about.aspx [
http://www.fpanet.org/global/ http://www.fpanet.org/public/index.cfm *Personal Help & Beneficial Information:
How will you Survive Financially After a Job Loss?
Don't make any hasty financial decisions.
Start looking for work soon.
Reassess your career.
Ask everyone you know for job leads.
File for unemployment insurance.
Handle severance package offer with care.
Maintain health insurance.
Continue life and disability insurance.
Start an emergency spending plan.
Talk to your family.
Consider government or private assistance.
Make retirement plan decisions.
Avoid ill-advised short-term investment decisions.
Minimize debt burden.
Avoid filing for bankruptcy.
See a financial planner.
Planning Ahead: Helpful Ideas and Suggestions:
Start saving right away.
Try to save ten percent of income.
Join employer's retirement plan.
Use IRA, annuities and other vehicles if your employer has no plan.
Use SEP, Keogh or similar plan if self-employed.
Invest as aggressively as you are comfortable doing.
Don't cash out retirement account.
Continue saving despite other expenses.
Save at least ten percent of wages and/or income.
Save for retirement before college.
Have adequate insurance and emergency funds.
Don't invest too conservatively in the early aged years.
Avoid tapping into retirement accounts.
Boost savings to 20 percent or more.
Take advantage of catch-up provisions.
Maximize tax-deferred contributions.
Begin to shift into lower-risk investments.
Start focusing on retirement lifestyle.
Practice retirement now.
Share dreams and goals with your spouse.
Calculate future and present retirement resources.
Consider long-term care insurance.
Determine how much money you will need to withdraw each year.
Determine which accounts to withdraw monies from.
Remember required minimum distributions.
Invest as much as you can now.
Don't abandon or stop buying stocks.
Adjust lifestyle, if needed.
Review your estate plan or get one now.
*Checklist for Interviewing a Financial Planner:
Suggested Information To Obtain:
Planners Name:
Company:
Address:
Phone:
Date of interview:
Suggested Questions To Ask:
What are your areas of specialization.
What qualifies you in this field.
How long have you been offering financial planning advice to clients.
How many clients do you currently have.
Ask to describe planners work history.
Ask educational qualifications and areas of expertise.
Ask what financial planning designation(s) or certification(s) planner holds.
Ask what licenses planner holds.
Ask if planner is personally licensed or registered as an Investment Adviser.
Ask to describe planners approach to financial planning.
Ask how you will have to pay for services provided.
Fee, Commission, Fee and Commission, Other.
What does the planner typically charge.
Hourly rate $
Flat fee (fee range)
Percentage of assets under management:.....(percentage amount)
Commission: (How Much?)
What is the approximate percentage of the investment or premium you receive on: stocks and bonds; mutual funds; annuities; insurance products; other.
Ask planner if he/she has any business affiliation with any company whose products or services he/she is recommending.
Is any of your compensation based on selling products.
Do professionals and sales agents to whom you may refer me send business, fees or any other benefits to you.
Do you have an affiliation with a broker/dealer.
Are you an owner of, or connected with, any other company whose services or products I will use.
Does your planner provide a written client engagement agreement.
*Questions to ask yourself:
Is your estate in order?
Start by reviewing estate assets and debts.
Decide where you want assets to go.
Start work with financial planner and attorney.
Draft or update will.
Choose qualified executor for will.
Choose guardian for children.
Get durable power of attorney.
Draft a living will.
Obtain medical power of attorney.
Consider creating one or more trusts.
Review ownership of assets.
Review insurance for protection of estate assets.
Consider annual gifting.
Consider paying heirs’ tuition or medical bills.
Determine whether to sell or pass on family business.
Plan for succession of business.
Discuss estate plan with heirs, and revise if appropriate.
Write letter of instruction.
Keep organized financial records.
Review your estate plan periodically.
Coordinate your estate plan with qualified estate planning attorney and financial planner often.
Financial Planning Web Site Links, Information & Help:
North American Securities Administrators Association, Inc.
http://www.nasaa.org/home/index.cfm Certified Financial Planner Board Of Standards Web Site:
http://www.cfp.net/default.asp Journal of Financial Planning Web Site:
http://www.fpanet.org/journal/index.cfm AARP Financial Planning Web Site:
http://www.aarp.org/money/financial_planning/ Financial Planners Standards Council Web Site:
http://www.cfp-ca.org/index.asp American Association of Individual Investors:
http://www.aaii.com/ The National Association of Personal Financial Advisor's Web Site:
http://www.napfa.org/ Foundation for Financial Planning:
http://www.foundation-finplan.org/ WHYY Financial Planning Web Site:
http://www.whyy.org/tv12/financialplanning.html USAA Educational Foundation Basic Planning & Investing & Financial Planning Web Page:
http://www.usaaedfoundation.org/financial/bi10.asp Oracle ThinkQuest Financial Information & Planning Web Sites:
http://www.thinkquest.org/library/websitena.html?3478 Library Web Page:
http://www.thinkquest.org/library/index.html Personal Finance Society Home Web Site:
http://www.thepfs.org/1_about/1-0_about.aspx http://www.fpanet.org/global/ http://www.fpanet.org/public/index.cfm Personal Help & Beneficial Information:
How and will you Survive Financially After a Job Loss
Don't make any hasty financial decisions.
Start looking for work soon.
Reassess your career.
Ask everyone you know for job leads.
File for unemployment insurance.
Handle severance package offer with care.
Maintain health insurance.
Continue life and disability insurance.
Start an emergency spending plan.
Talk to your family.
Consider government or private assistance.
Make retirement plan decisions.
Avoid ill-advised short-term investment decisions.
Minimize debt burden.
Avoid filing for bankruptcy.
See a financial planner.
Planning Ahead: Helpful Ideas and Suggestions:
Start saving right away.
Try to save ten percent of income.
Join employer's retirement plan.
Use an IRA, annuities and other vehicles if your employer has no plan.
Use a SEP, Keogh or similar plan if self-employed.
Invest as aggressively as you are comfortable doing now.
Don't cash out or borrow from any retirement account.
Continue saving despite any other expenses.
Save at least ten percent of wages and/or income.
Save for retirement before college expenses arrive.
Have adequate insurance and emergency funds.
Don't invest too conservatively, in the early aged years.
Avoid tapping into retirement accounts.
Boost savings to 20 percent or more.
Take advantage of catch-up provisions.
Maximize tax-deferred contributions.
Begin to shift into lower-risk investments.
Start focusing on retirement lifestyle.
Practice retirement now. (Planning Ahead)
Share dreams and goals with your spouse.
Calculate future and present retirement resources.
Consider long-term care insurance.
Determine how much money you will need to withdraw each year.
Determine which accounts to withdraw monies from.
Remember required minimum distributions.
Invest as much as you can now.
Don't abandon or stop buying stocks.
Adjust lifestyle, if needed.
Review your estate plan or get one now.
Check list for Interviewing a Financial Planner:
(Suggested Information To Obtain)
Planners Name:
Company:
Address:
Phone:
Date of interview:
Suggested Questions To Ask:
What planners areas of specialization are.
What qualifies planner has in this field.
How long has the planner been offering financial planning advice to clients.
How many clients does the planner currently have.
Ask to describe planners work history.
Ask educational qualifications and areas of expertise.
Ask what financial planning designation(s) or certification(s) planner holds.
Ask what licenses planner holds.
Ask if planner is personally licensed or registered as an
Investment Adviser.
Ask to describe planners approach to financial planning.
Ask how you will have to pay for services provided.
Fee, Commission, Fee and Commission, Other.
What does the planner typically charge.
Hourly rate $ Flat fee (fee range)
Percentage of assets under management:.....(percentage amount)
Commission: (How Much?)
What is the approximate percentage of the investment or premium planner receives on: stocks and bonds; mutual funds; annuities; insurance products; other.
Ask planner if he/she has any business affiliation with any company whose products or services he/she is recommending.
Is any of planners compensation based on selling products.
Do professionals and sales agents to whom you may refer me send business, fees or any other benefits to you.
Does your planner have an affiliation with a broker/dealer.
Is the planner an owner of, or connected with, any other company whose services or products I will use.
Does your planner provide a written client engagement agreement.
Questions to ask yourself:
Is your estate in order?
Start by reviewing estate assets and debts.
Decide where you want assets to go.
Start work with financial planner and attorney.
Draft or update will.
Choose qualified executor for will.
Choose guardian for children.
Get durable power of attorney.
Draft a living will.
Obtain medical power of attorney.
Consider creating one or more trusts.
Review ownership of assets.
Review insurance for protection of estate assets.
Consider annual gifting.
Consider paying heirs’ tuition or medical bills.
Determine whether to sell or pass on family business.
Plan for succession of business.
Discuss estate plan with heirs, and revise if appropriate.
Write letter of instruction.
Keep organized financial records.
Review your estate plan periodically.
Coordinate your estate plan with qualified estate planning attorney and financial planner often.
Sincerely. Regards & Good Luck.
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