Do You Need a Financial Planner?

Do You Need a Financial Planner? I am taking a small break from my Financial Planning 101 series to delve into some topics related to the business of the financial planning industry. There are a large number of articles published on this very topic and a few recently that can be found here and here discussing the reasons why you don’t need one. Now, one of my rules of thumb is to take with a grain of salt the response when asking someone who provides or sells a product or service if you need that product or service. Why? Because why wouldn’t they say you need what they are selling? They make money from selling those products or services. And, yet, here I am, a financial planner, offering adv

Financial Planning 101 series - Debt Management

Welcome to 7th Street Financials series of original content on financial planning. The goal of this series will be to help educate you on a wide number of topics related to your financial wellbeing. Today I continue with a deeper dive into the base of the financial pyramid, specifically debt management. Debt is something that almost all of us live with whether it is having a mortgage, car loan or credit cards. Debt can be used smartly or it can become a crippling financial burden if it gets out of control. The focus of this article will be to review some popular thoughts on debt that will hopefully give insight on your own personal situation. When you think about your monthly income it is b

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