A Baltimore financial advisor is an expert in personal and business finance, someone who can help you in any area of your financial life. If you are having a hard time making ends meet and have racked up credit card debts, talk to an advisor about programs designed to help consumers dig out of debt and get back on their feet. Investors interested in stepping up their retirement investing or college savings can talk to a Baltimore financial advisor about 529 plans or 401k options. And Baltimore business owners who would like to do more to help their companies thrive in a tough market can get the help of financial professionals with insurance investments, monthly expense control and general finance advice. Your Baltimore financial advisor is your connection to a wealth of knowledge and access to programs and ideas you might never find about on your own. Trust your local Baltimore professional to help you in every area of personal and business finance. Search online for qualified local representatives and choose the right one for you.
Many Baltimore residents are having a hard time in their efforts to pay off credit cards. Your advisor can point you to and help you enroll in programs to make it easier to get out of debt and get back to sea level financially. Credit card debt is always a troublesome area of Maryland personal finance, and has been ever since these cards were first introduced. But in the past few years with all the trouble we have had in Baltimore and across the state of Maryland, more consumers have had to rely on credit cards than ever before. Some state and city residents have found themselves buying gas for their cars and food for the table using credit cards charging exorbitant interest rates. If you have experienced recent job loss or some other setback necessitating the use of credit cards, or if these cards have become your emergency fund with all your savings long gone and your checking account balance always teetering around zero, get with a Baltimore financial advisor and make sure you get proactive in taking on this problem.
Working with a financial advisor is also a perfect way to come up with a diversified and aggressive retirement portfolio or a workable and profitable education savings account. You can talk about different college savings options and retirement accounts like a 401k or IRA, and think about which ones would best suit your investment goals. Some of the different accounts differ in tax consequences and amount of risk of loss of principal. Every investor is different, and your Baltimore financial advisor understands that, having worked with many other locals from in and around Baltimore. Parenthood and its associated expenses are a lot to take on, but trying to squeeze in some college and retirement savings in spite of these costs can be even more daunting. Trust your Baltimore financial advisor to give you sound advice on ways to stretch your budget to create room for investment.
When it comes to college and retirement investment, the usual first step is finding money to invest in the first place. Your Baltimore financial advisor will help you tighten up your family budget by taking a comprehensive and impartial look at your income and expenditures and showing you ways you could be saving right off the top. These days, the goal of increasing your income may not be immediately reachable, so a secondary focus of reducing spending is the only realistic way for many on Baltimore to create room to contribute to financial investments. Your financial advisor will help you in this area before you even get going on the investment itself. Working with a Baltimore financial advisor gives you access to a whole range of financial services, and not just great investment options.
Aside from Roth IRA options and help buying a home, your advisor is also available for help with business loan finances. Get the money you need for capital expansion projects or the cost of taking on new areas of work with loans suited for your needs. Don't let the lack of capital stop you from taking advantage of a great opportunity. Work with your advisor and do feasibility studies and think about whether these projects are a good idea for your company.
Looking at group health insurance plans and other perks for employees can also be done with the help of your business finance professional. The things you can do with your company are limited only by your imagination and your ability to connect with a talented and approachable professional who can help you to achieve your goals. Talk to a Baltimore financial advisor today.
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Nilos T. Sakellariou, CFM
NTS Bearing-Total Wealth Management.61 CORNHILL STREET
Annapolis, MD 21401
Edelman Financial Engines, LLC12510 Prosperity Drive
Silver Spring, MD 20904