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5 Ways You Can Work with Citrine & Gold Financial Services: 1. Strategy Session - A one-time meeting with a licensed financial advisor to get advice on 1-2 focus areas. (Debt Management, Budgeting, Insurance Analysis) 2. Strategy Session + Plan Review - Available as an add on, a Plan Review gives you an idea of whether you're on track to reach your goals across your already-in-place plan. (Must have a plan already in place to qualify for a review!) 3. Gold Financial Plan - A comprehensive financial plan for INDIVIDUALS with applicable focus areas: Retirement Planning, Education Planning, Budgeting, Cash Flow, Debt Management, Insurance Analysis and Planning, Investment Analysis, and Family Planning. 4. Citrine Financial Plan - A comprehensive financial plan for FAMILIES with applicable focus areas: Retirement Planning, Education Planning, Budgeting, Cash Flow, Debt Management, Insurance Analysis and Planning, Investment Analysis, and Family Planning. 5. Business Services - From Employer Sponsored Retirement Accounts to Employee Financial Literacy & Wellness Programs, we focus on the financial health for you, your business, and your employees. Schedule a Discovery Call on our website to see if we're a good fit for your financial service needs. citrineandgold.com #inclusivefinancialservices #LGBTQfinancialadvisor

Taking Control of your Retirement. Please join us 2/14 at 12:00pm for a brief Webinar where we will go over the hot topics to think about whether going into retirement, thinking about retirement, or already in retirement. Please follow the link to our team website to register under the events section.

For a financial advisor like Ian, empathy, expertise, communication skills, trustworthiness, and adaptability are crucial. 1. **Financial Planning:** ?? Ensure clients have a clear roadmap for their financial future, helping them set goals, create budgets, and invest wisely. 2. **Debt Management:** ?? Assist in developing strategies to manage and reduce debt, providing relief and peace of mind. 3. **Investment Guidance:** ?? Offer tailored investment advice suited to individual goals and risk tolerance, maximizing returns while minimizing risks. 4. **Retirement Planning:** ?? Help clients plan for a comfortable retirement by evaluating pension options, setting up retirement accounts, and creating income streams. 5. **Estate Planning:** ?? Aid in creating a legacy by strategizing the distribution of assets, minimizing tax implications, and ensuring loved ones are cared for. 6. **Risk Cover:** ??? Provide options for insurance coverage to protect against unforeseen circumstances, ensuring financial stability during tough times. **Heartfelt Story:** "I remember when I first met my financial advisor. I was drowning in debt, overwhelmed by the thought of retirement, and clueless about how to secure my family's future. He didn't just crunch numbers; he listened to my worries, understood my dreams, and crafted a plan that felt tailor-made for us. He patiently explained every step, demystifying complex financial jargon with a warm smile. With his guidance, we navigated through tough times, paid off debts, and started investing in our future with confidence. Today, as I look back, I'm grateful for his expertise, but more importantly, for his unwavering support and genuine care. He didn't just secure our finances; he became a trusted friend on life's journey."

Do you have a financial plan in place? Is it robust enough to withstand market downturns? Does it align with all your goals? As a faith-based Financial Advisor, I believe that having an intentional financial plan is the key to stewarding what the Lord has given each one of us. At Thrivent, we use the concept of a Financial House to guide our planning process. This is a basic framework rooted in Biblical wisdom (see Proverbs 24:3-4 and Matthew 7:24-25). Here are the stages of the Financial House: 1. Cash Flow Analysis/Budgeting: Like preparing good soil for a house, we analyze your finances monthly, laying the groundwork for your financial stability. 2. Foundation/Protection Planning: We ensure you have an emergency fund, manage debts, secure meaningful insurance coverage, and designate beneficiaries. This foundation is crucial to prevent your financial house from collapsing in difficult times. 3. Grow/Accumulation Planning: This stage involves strategies for growing your wealth, from retirement planning to college savings and beyond, tailored to your goals and risk tolerance. 4. Spend/Distribution Planning: We help you navigate the often daunting task of spending your assets wisely, from paying off your house to turning retirement savings into income. 5. Legacy/Estate Planning: Decide who will control your assets—yourself, your beneficiaries, or the government. We guide you through making these important decisions. 6. Tax Planning: The roof of your financial house, protecting all other aspects by ensuring your plan is tax-efficient and mindful of your hard-earned dollars. Ready to build your Financial House? Contact me to start your journey towards a robust financial plan. https://bit.ly/3yzpHBK Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.

Understanding the Difference: Wealth Manager vs. Financial Advisor When navigating the world of financial services, it's essential to understand the roles of various professionals who can help you achieve your financial goals. Two commonly confused titles are "wealth manager" and "financial advisor." Here’s a quick guide to differentiate the two: Financial Advisor Scope of Services: Financial advisors offer a broad range of services, including investment advice, retirement planning, tax strategies, and insurance. Clientele: They work with a diverse group of clients, from beginners to those nearing retirement. Focus: Helping clients achieve specific financial goals like buying a home, funding education, or saving for retirement. Wealth Manager Scope of Services: Wealth managers provide comprehensive, personalized services for high-net-worth individuals (HNWIs), including investment management, tax planning, estate planning, philanthropy, and legal services. Clientele: Primarily cater to high-net-worth clients with complex financial needs. Focus: Long-term wealth preservation, growth, and intergenerational transfer of wealth. In summary, while both professionals aim to enhance your financial well-being, the choice between a financial advisor and a wealth manager depends largely on your financial situation and goals. Choose wisely to ensure your financial journey is in good hands! #FinancialPlanning #WealthManagement #FinancialAdvisor #Investing #PersonalFinance #HighNetWorth Feel free to connect if you have any questions or need guidance on your financial journey @ https://lnkd.in/dvHzW52t

Taking Control of your Retirement. Please join us 2/14 at 12:00pm for a brief Webinar where we will go over the hot topics to think about whether going into retirement, thinking about retirement, or already in retirement. Please follow the link to our team website to register under the events section.

Welcome to Wiser Advisor – Your Trusted Financial Guidance Partner At Wiser Advisor, we believe that sound financial decisions can empower individuals and businesses to achieve their goals and secure their futures. Our platform connects you with experienced financial advisors who are dedicated to providing personalized, expert guidance tailored to your unique needs. Whether you’re planning for retirement, investing, or seeking advice on complex financial matters, we’re here to help you navigate your financial journey with confidence. What We Offer: Personalized Financial Matching:?Our sophisticated matching system pairs you with qualified financial advisors based on your specific goals, preferences, and financial situation. This ensures that you receive tailored advice that resonates with your unique circumstances. Expert Advisors:?Our network of advisors includes certified financial planners, investment specialists, and retirement experts. Each advisor is thoroughly vetted to ensure they have the credentials, experience, and integrity needed to provide exceptional service. Comprehensive Services:?From retirement planning and investment management to tax strategies and estate planning, Wiser Advisor offers a wide range of services to meet your financial needs. Our advisors work collaboratively with you to create a holistic financial strategy that aligns with your aspirations. Educational Resources:?Empower yourself with knowledge through our extensive library of articles, webinars, and tools designed to enhance your financial literacy. We believe that informed clients make wiser decisions, and we’re committed to providing you with the resources you need. Transparent Fee Structure:?We prioritize transparency in our fee structures, ensuring that you understand the costs associated with your financial advisory services. Our advisors discuss their fees upfront, so there are no surprises along the way. Why Choose Wiser Advisor? Tailored Matching Process:?Our unique matching algorithm is designed to connect you with the right advisor for your financial journey. We take the time to understand your needs, ensuring a perfect fit. Client-Centric Approach:?At Wiser Advisor, your goals and interests are at the forefront of everything we do. Our advisors are committed to building lasting relationships and providing ongoing support as your financial needs evolve. Trust and Integrity:?We are dedicated to maintaining the highest ethical standards in the financial advisory industry. Our advisors are committed to acting in your best interest, ensuring you receive trustworthy advice. Get Started Today: Take the first step towards a brighter financial future with Wiser Advisor. Visit our website at [insert website link] to learn more about our services, explore educational resources, and connect with a financial advisor who can help you navigate your financial journey. Together, let’s make wiser financial decisions!

?? Secure Your Financial Future with Kris Miller, Legacy Wealth Strategist ?? Discover the keys to financial success and peace of mind with Kris Miller, a renowned Legacy Wealth Strategist and Asset Protection Specialist. Kris specializes in guiding busy CEOs and entrepreneurs through the complexities of managing personal finances, asset protection, and retirement planning. ??? In this enlightening interview, we delve into crucial financial questions: Are there any safe investments in today's market? Why do people fear investing? Understanding the reluctance to discuss money matters. Changing the money mindset for entrepreneurs with negative financial experiences. and more... Kris Miller is more than a financial advisor; she's a life-changer. As a #1 Best Selling Author and Speaker, she empowers successful CEOs/Entrepreneurs to build a future without financial worries, making the process simple and easy. ?? With Kris's expertise, clients achieve remarkable transformations: Creating a lifelong income stream. Preparing for and thriving through financial or health crises. Living a meaningful legacy, not just leaving one. Protecting assets, minimizing taxes, and securing their future. Kris's approach addresses the challenges faced by CEOs/Entrepreneurs, transforming confusion and uncertainty into clarity and confidence. ?? Within months, her clients enjoy: Peace of mind with protected family and assets. Retirement strategies used by the top 1%. Plans for sustainable lifelong income. Insightful family conversations about wealth and asset protection. ?? As a Legacy Wealth Strategist, Kris provides comprehensive services in financial literacy, retirement and estate planning, and legal protections to ensure your financial health - embodying her program "Healthy Money Happy Life." Transform your financial outlook and enjoy a life of security and abundance. ?? Watch the full interview on YouTube @stephanposchik https://buff.ly/3Ogky6i , visit meetwithkrismiller.com or here LinkedIn profile https://lnkd.in/daxXaQWz . connect with her via email [email protected] or phone 951-926-4158 for personalized strategies and secrets to wealth management.

6 TIPS ?? for Choosing the Right Financial Advisor?? Selecting the right financial advisor is crucial for securing your financial future. Whether you're planning for retirement, growing your wealth, or simply navigating personal finance, ??here are 6 key tips to guide you: ?1?? Check Credentials ??Look for advisors with certifications such as CFP (Certified Financial Planner) or CFA (Chartered Financial Analyst). These indicate a high level of expertise. ?2?? Understand the Fee Structure ??Advisors may charge fees in various ways—flat fees, commissions, or percentages of assets managed. Be sure to understand their compensation model to avoid conflicts of interest. ?3?? Look for Fiduciary Responsibility ??A fiduciary is legally obligated to put your best interests first. Always ask if the advisor operates under this standard. ?4?? Know Their Specialization ??Some advisors specialize in certain areas like retirement planning, insurance or estate management. Make sure they match your financial goals and needs. ?5?? Ask About Investment Philosophy ??A good advisor should have a clear investment strategy that aligns with your risk tolerance and long-term objectives. ? 6?? Check References and Reviews ??Before committing, look at reviews and ask for references to ensure the advisor has a strong track record with clients. At Wealth Gardens??, we take pride in providing personalized financial planning services tailored to your unique needs. ?? Whether it’s growing your portfolio or retirement planning, our team of skilled advisors is ready to help you achieve financial freedom. ?? Explore more about our services here: https://lnkd.in/gpE5JdYR. #WealthGardens #FinancialPlanning #WealthManagement #FinancialAdvisor #Investment

Selecting the right financial adviser is pivotal for achieving your financial goals. Reflecting on my experience, I realized that understanding the adviser’s approach can make all the difference. For instance, I once had a conversation with an adviser who focused solely on numbers and projections. While that was impressive, it wasn't until I met another adviser who prioritized understanding my personal financial story that I truly felt heard. The lesson from this? A good financial adviser should not only possess expertise but also take the time to listen and align with your aspirations. Whether you're planning for retirement, saving for a home, or investing for your children’s future, building a relationship based on trust and understanding is essential. If you’re considering seeking financial advice, think about what you truly need in an adviser. What qualities are most important to you in this partnership? https://lnkd.in/e84Pfhk5