Financial advisers are professionals who offer a broad spectrum of services. Finding a trusted financial adviser is the first step to planning your finances for whole life. This can even include retirement and estate planning.
Financial Planners and Investment Advisers
Investment advisers consult with clients and guide them to create an investment portfolio that provides the result the client needs – capital growth, income streams, security of investments.
A Financial planner is a broad term. They can be an investment adviser, while the reverse isn’t always true. A financial planner offers advice on many different aspects of the financial affairs of the client.
Advisory or Fiduciary Services?
An investment adviser might act in just an advisory capacity, giving suggestions to the client on the best securities that suit the client’s aims.
They may also act in a fiduciary capacity, completely managing the client’s investment affairs making decisions about selling or buying securities, about long term investments etc, If you’re looking for fiduciary services, choose financial advisers who are also certified or registered. They should be governed by a regulatory authority to provide great service.
A fiduciary must put the client’s interests above their own. For instance, when providing investment advice, they must fully understand your requirements and pick the best investments for you instead of choosing investments that may pay themselves a higher commission.
Registered Professionals
Investment advisers who are registered with the Security Exchange Commission or the state securities board are the best people to act in a fiduciary capacity. They are governed by the Investment Advisers Act of 1940 and must operate to a set of standards.
For complete financial planning services, seek professionals who have a Certified Financial Planner (CFP) designation. To achieve the CFP designation, the financial consultant must have a bachelor’s degree from an accredited college and have a certain amount of experience in the financial advisory field.
They must also complete the required CFP educational program and pass an exam to get certified. A CFP is expected to conform to a code of ethics in their professional services.
A Financial Planner can offer comprehensive services to clients. This can range from personal budgeting to investment management and asset allocation, tax planning and tax preparation, retirement planning and estate planning.
When seeking the service of financial consultants, do some research. Read about their professional qualifications, their experience, and their reputation in the industry. If you’re looking for a good financial adviser, look at the top 100 or top 50 lists prepared by financial print publications or websites. You can pick the 10 best financial advisers across the country or the 10 best financial advisers in your state and choose one you think you’ll be comfortable with.
It’s never too late or too early to start financial planning. Find a good financial planner and manage your finances in such a way that you’ll be set for a comfortable life after retirement.
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Top Home Alarm Security System Options to Buy
Read moreThe safety of your home is of great importance. It lets you sleep peacefully at night or travel with ease of mind knowing your belongings are safe. One of the best ways to ensure the safety of your home is by the use of a home alarm security system.
If you are planning to install a home alarm security system, here are some of the top options to consider.
- Frontpoint
Frontpoint is a leader when it comes to home security systems. To begin with, the installation is super simple, something that you can take care of on your own. Next, even the basic package offers alerts for smoke and carbon monoxide detection, which adds value to the basic package. Frontpoint is also known to work with Google Home and Alexa. Plus, they also have a mobile app to access their system.The best part is that Frontpoint does not require customers to take sign a contract. This means that you are not stuck with them in case you decide to move on. The company is known for its excellent customer support; plus, you can use the trial period for 30-days, post which you get your money back if you are not happy.
- ADT
ADT is a leading name when it comes to home alarm security system options. If you opt for ADT, you get the best in video surveillance along with control of lighting and thermostat settings through the system. You can also remotely turn the security system on or off. One of the biggest advantages of ADT is that it has more home monitoring offices than other security companies. It also has other really fabulous features like Theft Protection Guarantee, which means that you can reimburse up to USD 500 if you get robbed with your ADT system working.ADT does work with Alexa and Google Assistant. It also is known for its excellent customer support.
- Ring Alarm
If your budget is tight, then Ring Alarm is the perfect choice for you. This security system can work on a basic level and sense motion. If a door or window is pulled open, an alarm is sounded to alert the home occupants. The installation is pretty simple and you can upgrade your systems if you want help from the monitoring center.Ring Alarm is also known for its features such as cameras and security lights that come at an added cost.
- Frontpoint
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6 common foods that trigger eosinophilic esophagitis
Read moreEosinophilic esophagitis (EoE) is a chronic inflammatory condition that affects the esophagus. This condition can make it difficult to swallow and easier for food to get stuck in the food pipe. People with EoE develop allergic reactions to certain foods, causing their esophagi to swell up and become narrow. Doctors may recommend an elimination method to understand which foods trigger EoE in patients. The most common foods that trigger Eosinophilic Esophagitis are:
Eggs: Apart from whole eggs, also avoid any foods that contain eggs, such as eggnog, mayonnaise, meringue, surimi, and egg substitutes. Beware of egg content in baked goods and puddings. Ingredients to watch out for in packaged goods include albumin, lysozyme, ovalbumin, lecithin, globulin, and ovovitellin.
Wheat: Avoid foods rich in wheat, such as bread, couscous, crackers, most flours, pasta, and pizza crusts. Wheat ingredients to look out for are bulgar, durum, einkorn, emmer, farina, Kamut, matzoh, semolina, spelt, and triticale. Instead, opt for gluten-free foods made from potato, rice, or tapioca.
Soy: Soy-rich foods to avoid include edamame, miso, natto, shoyu, soy sauce, soybean, tamari, tempeh, tofu, and Quorn. Soy ingredients can be found on packaged goods under the name of soy, soy flour, soy fiber, soy protein, and textured vegetable protein.
Peanuts and tree nuts: Avoid all nuts and lychees. Watch out for ingredients like nut meal, nut meat, nut milk, nut extracts, nut paste, and peanut oil in packaged/pre-cooked foods.
Fish: Avoid all fish and shellfish like krill, barnacle, crab, crayfish, lobster, shrimp, and prawns. Ingredients to avoid include imitation fish, fish stock, fish sauce, seafood flavoring, surimi, and bouillabaisse.
Dairy: Milk and milk products to avoid include cheese, butter, cream, custard, cow’s milk, half-and-half, pudding, sour cream, and yogurt. It is also advisable to avoid ingredients like casein, diacetyl, lactalbumin, lactose, lactulose, recaldent, rennet casein, tagatose, and whey.
In line with their doctor’s consultations and guidance plans, many people with EoE experiment with the elimination method, where they stop eating these six items daily and slowly reintroduce them one at a time. A few weeks after introducing a food item back into the system, an endoscopy is performed to determine the underlying cause of inflammation and check for improvements. Common foods that are advisable to eat when dealing with EoE include meats (chicken, turkey, pork, and beef), rice (white, brown, or wild), potatoes, quinoa, buckwheat, millet, fruits, vegetables, and olive oil.