If you’ve been avoiding looking at your finances, you can stop worrying now. This article will tell you everything you need to know to begin improving your financial situation. Just read the advice below and put it into practice so that you can resolve financial problems and stop feeling overwhelmed.  Make your home more eco-friendly by switching all the light bulbs in your house to compact fluorescent lights. They will save you money on your monthly power or energy bill and also last much longer than traditional bulbs, meaning you won’t have to spend as much money, or time replacing them.

Financial Services in St. Louis, MO

If you’re looking for personal financial services in St. Louis, Jake Horseman can help. He works with each client to help create a greater sense of financial stability and security to promote financial independence. If you’re interested in creating a thorough and comprehensive plan for your financial goals, our financial planning company in St. Louis is ready to assist you.Dedicated to financial planning in St. Louis and surrounding areas, our goal is to help you build, manage, and preserve your financial assets. We believe that smart investing, leading to smart returns, is best handled with a comprehensive approach. Wealth management strategies that can be tailored to meet any financial situation could be of value to you. To schedule a consultation with Jake Horseman to learn how he can help you reach your financial goals, contact us today!
Retirement Planning, Financial Services in St. Louis and Ballwin MO
Financial Planning, Financial Services in St. Louis and Ballwin MO

Retirement Planning in St. Louis

We believe that a complete financial plan should be the foundation of any successful advisor-client relationship. We also believe that it is never too late, or too early, to begin planning to meet your financial goals. When creating financial plans in St. Louis, we review your unique financial needs, along with your long-term goals, to ensure that our investment strategies are tailor-made to fit your unique situation.
Financial Planning Company in St. Louis
After graduating from Lindenwood University, Jake Horseman started his career with a prominent financial company. With extensive training and education in both financial and retirement planning, Jake specializes in risk management solutions. He is also committed to helping clients manage their employer-sponsored retirement plans, as well as working with younger investors to develop comprehensive financial plans at an early age.
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When your boiler or furnace breaks, look at the average life expectancy of these items prior deciding to get it fixed. If it is close to the end of its life, you will save more money just replacing it instead of repairing it since it more then likely will just break down again sometime soon after. Plus a new one will work more efficiently.  Do not buy anything unless you really need it and can afford it. This way you will save your money for essentials and you will not wind up in debt. If you are discerning regarding what you purchase, and use cash to buy only what you need (and at the lowest possible price) you will not have to worry about being in debt.

It’s often easier to save money if you don’t have to think about it, so it can be a good idea to set up your direct deposit so that a certain percentage of each paycheck is automatically put into your savings account. This way you don’t have to worry about remembering to transfer the money.  Some banks offer great rewards if you are able to refer a customer to their location and they open up an account at a branch. Try to take advantage of this opportunity, as you can add anywhere between 25-100 dollars just for recommending a friend or family member to the bank.

Retirement Planning

Create an up to date financial plan. This will allow you to see how you are doing in all areas of your finances. Review any insurance plans, income taxes, estate and retirement planning, investments, savings and current debts. Be specific in your goals and be realistic. For more complex financial planning, it is a good idea to seek the services of a CPA.

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Estate Planning

Personal finance also includes estate planning. This includes, but is not limited to, drawing up a will, assigning a power of attorney (both financial and medical) and setting up a trust. Power of attorneys give someone the right to make decisions for you in the event that you can not make them for yourself. This should only be given to someone whom you trust to make decisions in your best interest.

Life Insurance

Find out what your credit score is. It will cost you money to get your credit score from the big three agencies but the knowledge is invaluable. Knowing your credit score will save you money in buying a car, refinancing your home, even buying life insurance. Make sure to get a new one on a yearly basis to stay up to date.  Subscribe to a good life insurance. Compare different options and subscribe to a plan early, so you can secure a good interest rate. Make sure your purchase enough coverage to help your family and cover certain expenses, such as, your estate taxes. You should upgrade your coverage when you need to.

See, that wasn’t so bad, now was it? Looking at your finances can give you a sense of powerfulness instead of powerlessness if you know what you’re doing. The tips you just read should help you take control of your finances and feel empowered to pay back debts and save money.

Contact Jake Horseman to learn how to a financial advisor in St. Louis can help you achieve your goals. We proudly serve St. Louis,St. Louis County, St. Charles, St. Charles County, Chesterfield, Creve Coeur, Ballwin, O’Fallon, Florissant, and Hazelwood.
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Founder and chief editor of makemoneyinlife.com Blogger, Affiliate Marketer, Tech and SEO geek. Started this blog in 2011 to help others learn how to work from home, make money online or anything related to business and finances. You can contact me at makemoneyinlife@gmail.com

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