Published on March 20, 2014
By Curtis Lyman
Curtis Lyman has been a financial services professional for 30 years. As a professional, Curtis Lyman is accustomed to giving advice to clients about how to effectively plan financially. Financial planning is a fundamental part of living comfortably and without excessive stress. Below are three useful tips for effective financial planning.
This sounds like an obvious piece of advice, but it is a fundamental part of planning. Living conservatively includes a range of behaviors, from checking bank accounts regularly to consciously saving when possible. The most basic iteration of this is to spend less than annual earnings.
Emergency funds are an important part of being prepared, especially in dire times. A general rule is that emergency funds should be no more than three times a person’s monthly expenditures.
Employee benefits are one of the best and easiest ways to profit from a corporate workspace. Most employers have a limit to how much employees can contribute to their retirement plans, so a good rule of thumb is to find out that limit and contribute as much as possible.
Another good tip is to talk to a financial professional about your retirement plan investment options. Independent financial professionals, like Curtis Lyman may assist you in addressing the many variables that will impact the long term results of your retirement planning. The Lyman Group is a team of investment professionals registered with HighTower Securities, LLC, member FINRA, MSRB and SIPC & HighTower Advisors, LLC a registered investment advisor with the SEC. All securities are offered through HighTower Securities, LLC and advisory services are offered through HighTower Advisors, LLC.
This is not an offer to buy or sell securities. No investment process is free of risk and there is no guarantee that the investment process described herein will be profitable. Investors may lose all of their investments. Past performance is not indicative of current or future performance and is not a guarantee. Before investing, consider the investment objectives, risk, charges, and expenses. Diversification does not assure a profit nor protect against loss.
In preparing these materials, we have relied upon and assumed without independent verification, the accuracy and completeness of all information available from public and internal sources. HighTower shall not in any way be liable for claims and make no expressed or implied representations or warranties as to their accuracy or completeness or for statements or errors contained in or omissions from them. This document was created for informational purposes only. For further Disclaimers, please visit www.Hightoweradvisors.com
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