Brought to you compliments of Sarah M. Place, MBA
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April 2005
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Saturday, February 4, 2012
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Free Financial Planning Consultation
Are you planning to pay for your children’s college educations? Do you want to retire and enjoy your hobbies? Would you like to travel more?
Maybe you’ve spent time thinking about these things, maybe not. Either way, it’s unlikely you’ll meet your goals and dreams without a plan. That’s why I would like to offer you a free financial planning consultation.
The consultation will take about an hour and its purpose is to determine where you stand now and where you would like to be in the future. Of course, there is no obligation and everything we discuss is confidential.
I work with people who want to plan now to finance the future they desire -- whether that’s taking a cruise to Alaska, financing their grandchildren’s college educations, or enjoying a long retirement. We start by assessing your financial position and goals, and then design a plan to help you achieve those goals. I will work with you to implement and monitor your plan and help you decide when changes may be needed. I keep in touch regularly and meet with clients at least once a year to make sure they’re still on track.
If you would like a free financial planning consultation, please call or e-mail. I would be delighted to help you think through your goals and start you planning for the future.
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Tips for Your College Education Fund
No one disputes the fact that the cost of
a college education is high. For the 2004-05 school year, the
average annual cost of a four-year public university is $14,640
and for a four-year private university is $30,295 (Source: Trends
in College Pricing, 2004). While those prices are sure to
increase in the future, that doesn't mean you should just give
up and ignore the entire subject. There are a number of strategies
to help you fund that college education.
[FULL ARTICLE]
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Withdrawing College Funds
Once your child starts college, you'll want
to use funds set aside for college to maximize tax advantages
as well as your financial aid awards. Which investments should
you withdraw first - money from personal savings, Section 529
plan assets, or funds from Coverdell education savings accounts
(ESAs)? How will those withdrawals affect education deductions
and credits for tax purposes? And then, what impact will all of
this have on your financial aid award?
[FULL ARTICLE]
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Coping with the Financial Aid Process
Almost $122 billion of financial aid was
distributed during the 2003-04 school year, with an average award
of $10,472 per full-time student. Of that total, approximately
56% was loans and 38% was grants (Source: Trends in Student
Aid, 2004). With so much money at stake, you should understand
the financial aid process.
[FULL ARTICLE]
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Financial Steps for New Graduates
Graduating from college is often viewed
as the start of your adult life. The financial decisions you make
as you start this new stage of life can significantly impact your
finances for your entire life. Habits formed early are often difficult
to change. To make sure you develop good financial habits, consider
these tips.
[FULL ARTICLE]
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Time to Rebalance
With an asset allocation strategy, you can't
just allocate assets in your portfolio once and then forget about
your portfolio. Over time, your actual asset allocation will stray
from your desired allocation because different investments in
your portfolio will experience different rates of return. At least
annually, review your portfolio to see if changes are needed to
bring your allocation back in line. Some factors to consider include.
[FULL ARTICLE]
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Sarah has over fifteen years experience in the financial services industry. She received her MBA at St. Mary's University Graduate School of Business in San Antonio, TX and her bachelor’s degree in Economics–Finance at Bentley College in Waltham, MA. The firm she founded, Place Trade Financial, Inc., (Member NASD, SIPC) is an active member of the Securities Industry Association (SIA).
Feel free to contact Sarah via e-mail at
sarah@placetrade.com
or visit our Web site
www.placetrade.com
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Published by
Sarah M. Place
Copyright © 2005 Place Trade Financial, Inc., Member NASD/SIPC. All rights reserved.
This newsletter intends to offer factual and up-to-date information on the subjects discussed, but should not be regarded as a complete analysis of these subjects. The appropriate professional advisors should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.
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TELL A FRIEND
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