Guiding Wealth | Financial Planning & Wealth Management

One of the keys to stronger financial footing: Optimizing your human capital. While there is only so much you can do with the money currently in your possession, new doors open up when you have new money coming in! Human capital is essentially your earning potential — the ability to increase your income over time. This might involve: ? Skill Development: Learning new skills or improving your existing skills can increase your earning potential. ? Certifications: Earning additional designations can lead to career advancement. ? Career Pivots: New paths may offer greater flexibility and earning potential. By focusing on your human capital, you can significantly impact your financial future and ensure that you are not just maintaining but also growing your wealth. If you’re looking for ways to optimize your financial life, let’s talk! Book an appointment to speak with one of our financial planners today! guidingwealth.com/contact

In uncertain times, the stock market can feel like a rollercoaster ride. If recent events have you questioning what to do with your portfolio, you’re not alone. At Guiding Wealth, we want to remind you that short-term volatility is a common aspect of investing, but it might not have the impact you think on the long-term value of your investments. Our most recent blog post helps you to understand the importance of staying invested during times of market volatility. In this blog, we will help you answer questions like: ??How long you should stay invested? ??How you can handle the concerns/emotions that come with market drops? ??How can you stay focused on your overall returns? It’s easy to let fear drive decisions, but remember: by diversifying your portfolio and consulting with a Certified Financial Planner?, you can evaluate your risk and stay focused on your long-term goals. For the full blog post, comment INVEST and we will send you the link.

Today, we want to remind you that political news has less of an effect on your long-term portfolio than you might expect. Short-term fluctuations often don't significantly impact your long-term financial goals. Want to discuss your long-term financial plan with a professional who offers a safe place to voice your concerns? Reach out to us today to see how we can help you navigate today's volatility to ensure tomorrow's stability.

Answer: False! You don’t need to be debt-free (or have all your financial “ducks” in a row) to start saving for retirement. In fact, waiting until your finances are perfect can make it harder to save for the retirement you want. So, when should you have in place before you start saving? A financial planner can help you figure it all out. Schedule a consultation at https://hubs.ly/Q02Wz4m30

Happy Halloween! ?? Are your finances keeping you up at night? We're here to help you conquer your financial fears so you can finally do everything you've hoped you could do with your money! Comment BOO to speak with one of our expert planners.

Should you save for your child’s college — or your retirement? We recently worked with a client at Guiding Wealth who needed help saving for retirement... but they were torn on how much to set aside. They wanted to support their daughter's college education, too! Jack and Jane are in their late 50s and came to Guiding Wealth because they were ready to “get serious” about their retirement plan. During our comprehensive financial planning meetings, we discovered a solution that allowed them to support both their daughter's education and their own retirement goals. Want to read their full story? Comment WEALTH and we will send you the link!

Is financial planning really only for the wealthy or those nearing retirement? Absolutely not! These are common misconceptions aren't just wrong — they can be harmful! They can prevent people from seeking the valuable guidance of a financial planner. At Guiding Wealth, we believe that financial planning is for everyone, regardless of your income or age. Our team can help you with a wide range of financial matters, from budgeting and debt management to retirement planning and estate planning. If you ever believed that financial planning "isn't for you," we want to set the record straight. Find out what financial planning is really about — and what it's NOT about — in our latest blog post. https://lnkd.in/gp5eKBtD

You know you need a financial planner for retirement, but did you know a financial planner can be helpful way before that? These unexpected scenarios show you when having a financial planner on your side can make all the difference. ?? Divorce or separation: Divorces can involve complex financial settlements. A financial planner can help you understand your options and make informed decisions. ???? Becoming a caregiver: Caring for a loved one can have financial implications. A financial planner can help you assess your situation and explore potential resources. ?? Unexpected inheritance: Receiving an inheritance can be a significant financial event. A financial planner can help you manage this windfall effectively. ?? Disability or chronic illness: If you become disabled or face a chronic illness, your financial situation may change. A financial planner can help you assess your insurance coverage and explore potential resources. ?? Legal disputes or settlements: Legal battles can have financial consequences. A financial planner can help you understand the potential impact and develop a plan to mitigate any adverse effects. ??? Natural disasters or emergencies: Unexpected events like natural disasters or emergencies can cause significant financial hardship. A financial planner can help you assess your insurance coverage and develop a plan to recover from these setbacks. ?? Major home repairs: Unexpected home repairs can be expensive. A financial planner can help you evaluate your options and determine the best way to finance these costs. A financial planner can provide valuable guidance and support during any life event. By seeking professional advice, you can make informed decisions and protect your financial future. To speak with one of our expert financial planners, comment WEALTH and we will send you the link!

Wondering how to pay for college — without burying your child (or yourself) in student loans? Our FREE guide gives real strategies on how to afford college without breaking the bank. Inside this guide, you'll find: ??Hidden college costs: Prepare yourself so you're not blindsided. ??Financial aid 101: Learn about different types of aid, eligibility, and application tips. ??Smart saving & borrowing: Find tips on how to strategically use loans. ?Common mistakes to avoid: Steer clear of pitfalls and make informed decisions. Want to afford college without drowning in debt? Download our FREE guide today and start planning for a debt-free future. https://hubs.li/Q02TSgRS0

Expecting a new addition and wondering how to raise the subject of parental leave with your boss? Thinking about how you can afford all that time off? ?? Our Parental Leave checklist is here to guide you through the financial side of becoming a parent. In this guide, we cover: ? Making parental leave plans and informing your employer ? Setting up your finances for the future ? Supporting a gentle transition back to work Planning for parental leave isn’t about following a cookie-cutter plan. This guide is designed to give you all the information you need to make the right decisions for you and YOUR family. Comment PARENT and we will send you the link!