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You may laugh at the idea of having a stock portfolio or needing a financial adviser to oversee your investments because you don’t have any investments. In fact, you may be living month-to-month as many Americans are doing these days. However, just because you don’t have a million dollars sitting around to invest, doesn’t mean that you can’t use a financial advising firm like Spectrum Financial Services in Des Moines. There are many things they can help you with no matter the size of your bank account or the amount of your paycheck. Financial Planning You’ve heard the saying, “If you fail to plan then you plan to fail.” Those words of wisdom ring especially true in the realm of finance. Without a budget and a goal, you’re spinning your wheels. You don’t have to have a lot of money in order to have money to manage. A financial planner can go over your income, debts, monthly utility bills, and living expenses with you to evaluate your current financial situation and look for areas of improvement. They may help you with debt consolidation or plan path to debt elimination. You end goal may be to have your house paid off in 10 years. With proper planning, that’s possible. Retirement Everyone is going to retire at some point. Most people don’t want to work until they can’t work anymore. They want a few golden years where they can enjoy their time with the grandchildren or travel around the globe. If you haven’t thought about your retirement yet, then you should talk with a consultant, like one from Spectrum Financial Services in Des Moines. The sooner you start the easier it will be. However, if you’re starting later, there are options out there that a financial planner can explain and help you implement in your plan for retirement. Spectrum Financial Services (http://www.sfsplanners.com/) is a Registered Investment Advisor providing financial planning and advising services to individuals in the Des Moines area. For more information about Spectrum Financial Services in Des Moines visit our website.
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