An Arizona financial advisor can serve many functions. An Arizona financial planner can provide advice and access to solutions that you could not come up with on your own. Many of us in Arizona from Tempe to Phoenix like to work independently as problem solvers and gurus over our lives. There is nothing wrong with having a sense of ownership of your well-being and allowing that feeling to carry over into your financial life. But you may want an Arizona financial advisor to help you make decisions on a day to day basis in today's economic environment. From questions about your 401k to business finance, an Arizona financial planner can give you the help you need to make informed decisions.
Contrary to what many may think, enlisting the help of an Arizona financial advisor is not tantamount to giving up ownership of your financial life. In contrast, contacting an advisor can help Arizona residents reclaim economic freedom. Whether speaking to an Arizona financial advisor about college or Roth IRA savings goals, you are asserting control over your own future and making a choice to be more active in your economic life rather than simply letting market forces in Arizona determine your fate.
Whether you are looking to an Arizona financial planner or advisor for general advice, tips for money management for your household or business expenses, or specialized concerns such as how to fit health insurance into your business budget, working with an Arizona financial planner can give you the insight and access you need to make progress and reach for your goals.
Perhaps you are among the large group of Arizona residents who have been negatively affected economically by recent events nationwide and in Arizona. Whether you have experienced job loss or had to start with a new employer at a lower wage, or have lost benefits like health insurance and retirement savings options, chances are that you have had to tighten your belt here in recent months. An expert advisor can help you to do just that. Many employees have seen IRA and education expense options get taken away. The changing nature of economic reality and even the way we look at our jobs and job security has forced all of us to rethink our long-term goals while we simultaneously work to keep our heads above water at the present moment. Talking to an advisor can help alleviate some of your stress and confusion.
Even if you tend to be a self-reliant type when it comes to your finances, odds are you could stand to benefit from getting some money management tips from an advisor who knows how to deal with the ebb and flow of financial cycles. You might be looking to talk to an advisor about buying a home, or manage fixed money accounts based on disparate or changing income goals. Or maybe you're about to experience parenthood for the first time. Whatever the case many be, getting together with a qualified Arizona financial advisor can only help in your efforts to master your personal economic life.
Personal and family money management is only a small part of the area of expertise of a financial advisor. An advisor can also work with you to help shore up your business' financial strategy, helping you to set goals both for the current fiscal year and for longer-term stability. Owners of businesses both large and small can exploit the knowledge and understanding of an advisor specializing in working with Arizona businesses to set goals and meet challenges.
For example, you might talk to a financial advisor about adding group health insurance plans to the employee benefits you offer to recruit and retain good people. In the business world, with razor thin profit margins and endless increases in liability and tax costs, adding these sorts of benefits can amount to a sort of high wire act. It is vital to be mindful of the cost and to keep an emergency fund handy. An Arizona financial planner can help you navigate this high wire act.
Happily, a financial advisor can work with you to offer advice about the long-range impact of adding this benefit for your employees. An Arizona advisor can also steer you toward programs that can give employees the kinds of options they want at the lowest possible cost to you. There is no doubt that the modern economic climate requires more effort and a sharper focus from business owners. An advisor can help give you that focus. Soliciting the assistance of an advisor who has the know how to steer you toward the right path can help you to navigate the challenges of trying to keep your people satisfied and content while not compromising the bottom line and the health of your business.
An Arizona financial advisor can also help you deal with the issue of credit card debt. Our credit accounts give us the flexibility in spending that we lack if we rely entirely on our present cash flow. But credit lines are not the same as actual liquidity. Any Arizona financial advisor will tell you that while they give you buying power you may otherwise lack, each purchase should ideally be made only when you will be able to pay off the balance by its due date.
Of course, much of this rhetoric amounts to preaching to the choir. We all know and understand the importance of being responsible with credit; yet many of us still struggle with the temptation and often the necessity of using plastic to pay for things we otherwise would not be able to get. These days, some consumers in Arizona have even been forced to pay one card off with another, or to use credit cards to buy groceries or pay utility bills. This kind of financing behavior never leads to a positive end.
If you are paying double-digit interest on the groceries you bought a few months back, if you are watching helplessly as your debt creeps upward each month and you are struggling just to make minimum payments, you need financial intervention. You should enlist the help of an Arizona financial advisor who can get you connected to various programs and other options to relieve you of your debt load and help you get started working your balance down in the right direction.
Even with the best of intentions and a tenacious attitude, you still cannot do as well on your own because you may not be able to get into the most helpful Arizona programs showing you how to eliminate credit card debt. The truth is that even if you end up paying a fee to an Arizona financial planner on the front end, you will likely get that money back and more in a matter of a few payment cycles in the way of reduced interest and penalties.
Use this site to contact a financial advisor in your area today. Regardless of your specific needs or goals, working with an honest and trustworthy Arizona financial advisor can give you an inside track on products and services to reach your goals.
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"Unless you already know about working with an advisor, it can be hard to figure out which one to go with. This site helped me decide on the type of advisor that was right for me and my financial situation. Thanks!"
Randy S, Green Bay WI
David A. Gray CFP®, CRPC®
Buttonwood Financial Partners17550 North Perimeter Drive
Scottsdale, AZ 85255
Martin T. Cole CFP, ChFC, CLU, AAMS
Cole Wealth Management, LLC14301 N 87th St
Scottsdale, AZ 85260
Michael Treiberg CFP®
Treiberg Wealth Management, Inc.3573 E Sunrise Drive, Suite 115
Tucson, AZ 85718