One of the hardest parts about saving for retirement is calculating your future tax burden. Your taxes could either go up or down, depending on the changes that occur in your career, income bracket, marital status, number of dependents, and so on. Additionally, tax laws are always liable to change between now and retirement.
At Afton Advisors, our pricing structure is intentionally different. In fact, it's very uncommon. What exactly makes our method different? We charge a fully transparent fee for comprehensive financial planning and asset management, regardless of the account size.
With the housing market crash of 2008 a distant memory and home prices back on the rise, many investors are looking to real estate as a way to diversify their investment portfolios. But let’s be honest -- investing in real estate is a big commitment, and it’s important to really understand the ins and outs before diving in.
Paying off a primary mortgage is important, which is why so many people give it priority over other financial goals. However, this might not always be the best method to grow your wealth. A mortgage can definitely hinder your ability to save, but there are some situations where saving and investing should come first.
Setting a manageable budget is hard enough on a fixed income. After all, emergencies or unplanned expenses can add a lot of variables to your budget, even if your income doesn’t change. So what happens when your income changes from month to month? How can you set a budget that works for you?
Supplemental group insurance can be a great way to add an extra layer of security in your life. However, like any form of insurance, you will need to weigh the costs and benefits of adding to your existing plans. This begs the question: is supplemental group insurance the right option for you?