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Put These 6 Things on Your Year-End Financial Checklist

We know. It’s the holiday season and it can feel dizzying. You’re busy buying gifts, booking travel tickets, whipping up recipes and readying your place for stay-over guests who expect clean towels. It probably sounds like a horrible time to take on more tasks. Yet, if you start checking in with your financial situation now-ish, you could help make sure you aren’t putting your financial goals more out of reach. By Mary Wisniewski via Bankrate with contribution from Luis F. Rosa, CFP® EA.

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How Much Should You Spend on Your Holiday Gifts?

For many of us, the holidays herald a stressful money test: how much should we spend on presents for the kids, parents, spouses, a teacher or two and that fancy friend. It’s a triggering tab we often fret about. Slightly more than half of people (51 percent) say they feel pressured to spend more than they are comfortable with on gifts during the holidays, according to the 2019 Bankrate Holiday Gifting Survey. Moreover, 43 percent of consumers named not having enough money to afford gifts their top holiday money concern, per a November 2019 Early Warning Services’ report. By Mary Wisniewski via Bankrate with contribution from Luis F. Rosa, CFP® EA.

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5 Reasons Why You Don't Need to Be a Rockefeller to Have an Estate Plan

We typically hear the word “estate” and automatically associate it with the super wealthy. The truth is that most working families will likely benefit from having an estate plan in place. There are non-monetary things that can be taken care of via wills, trusts, and powers of attorney. Here are five reasons why you should consider establishing an estate plan even if you’re not super wealthy.

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Saving vs. Investing: Here Are the Key Differences for Managing Your Money

Saving and investing are both important, but they’re not the same thing. While both can help you achieve a more comfortable financial future, consumers need to know the differences and when it’s best to save and when it’s best to invest. The biggest difference between saving and investing is the risk versus the reward. Saving typically allows you to earn a lower return but with virtually no risk. In contrast, investing allows you to earn a higher return, but you take on the risk of loss in order to do so. By James Royal via Bankrate.com.

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Find Your Place in the Profession

Luis F. Rosa, CFP®, EA, spoke at NexGen Gathering about his career path within financial planning, diversity in the financial planning profession, and how the next generation of planners can find their own place in this profession – even if it doesn’t exist yet. As a firm owner, Luis spends a notable amount of time involving himself in the profession. He firmly believes that, in order to positively impact his clients – and the profession as a whole, it’s important to be involved as a mentor. He’s involved as a mentor through NexGen, attends conferences frequently, and also focuses on one-on-one, informal mentorship of new planners. Luis is passionate about focusing on building up the next generation and he loves to participate in focused mentorship of potential new minority planners. He also encourages other planners and work to continue building the profession. In this episode, Luis shares importance of mentorship, how to define your place within the profession as a new planner, and how you can find a home within financial planning. You won’t want to miss this!

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