217640 58 Business & Finance Personal Finance Retirement Planning true Wed, 30 Sep 2009 11:03:12 -0700 /system/videos/4/95/83/25/258395.flv business, finance, retirement, planning, money, managing, finding, locating, advice How To Find a Financial Planner http://www.howcast.com/videos/217640-How-To-Find-a-Financial-Planner http://www.howcast.com/videos/217640-How-To-Find-a-Financial-Planner/edit approved 164 640 360 <object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=217640"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=217640" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object> 4 crazyp3t3 http://img.howcast.com/system/thumbnails/217640/find_a_financial_planner_xxlarge_maintained_aspect.jpg 314 false false false 85192 0 13 Step http://img.howcast.com/system/thumbnails/217640/13.jpg Find someone certified Find a certified financial planner by contacting the Certified Financial Planner Board of Standards (cfp.net). They will provide you with a list of CFPs in your area. Already have the name of someone? Look them up on the site to see if any disciplinary action taken has been taken against them.

]]> 85193 1 29 Tip Get a free financial planning resource kit from the CFP board by contacting them at 800-487-1497 or mail@CFPBoard.org.

]]> 85194 2 39 Step http://img.howcast.com/system/thumbnails/217640/39.jpg Get someone who specializes Focus your search on planners who specialize in clients like you. If you’re a young person plotting your financial future, you don’t want a broker who mainly manages retirees’ money.

]]> 85195 3 50 Step http://img.howcast.com/system/thumbnails/217640/50.jpg Avoid novices Make sure the candidates have at least five years experience.

]]> 85196 4 55 Step http://img.howcast.com/system/thumbnails/217640/55.jpg Check them out Check out your potential planners by contacting the Financial Industry Regulatory Authority (finra.org). By searching their name, you can see if previous clients ever registered a complaint about them. You can also verify their credentials through your state’s Department of Securities.

]]> 85197 5 71 Tip Consider doing a criminal background check; convicted felons are allowed to have securities licenses. Many online companies provide this service for a modest fee.

]]> 85198 6 79 Step http://img.howcast.com/system/thumbnails/217640/79.jpg Set up interviews Narrow your choices to a few planners and call for an appointment; most will meet with you for a free 30-minute introductory session.

]]> 85199 7 89 Step http://img.howcast.com/system/thumbnails/217640/89.jpg Investigate fees Before meeting, find out how they bill. “Fee-only” planners charge a rate for their services, so there’s no incentive for them to sell you more than you need. Other planners collect commissions based on what they sell you, so you only pay for the advice you act on. Avoid “fee-based” planners, who charge a fee and take commissions.

]]> 85200 8 111 Tip The National Association of Personal Financial Advisors (napfa.org) and the Garrett Planning Network (garrettplanningnetwork.com) both provide a directory of fee-only planners. Just make sure the planner is also certified!

]]> 85201 9 123 Step http://img.howcast.com/system/thumbnails/217640/123.jpg Ask about access At your fact-finding meeting, ask how many times the planner foresees the two of you meeting to discuss your finances, and whether those meetings will be in person.

]]> 85202 10 132 Step http://img.howcast.com/system/thumbnails/217640/132.jpg Look for red flags Beware of an adviser who has pat advice to offer before you’ve finished explaining your financial situation and goals. And stay clear of someone who acts like they’re doing you a favor by taking you on.

]]> 85203 11 142 Step http://img.howcast.com/system/thumbnails/217640/142.jpg Go with your gut All things being equal, go with your gut. You want an adviser with whom you are comfortable.

]]> 85204 12 148 Fact When former baseball great Lenny Dykstra found out that his $1.7 million had dwindled to $400,000 in 2002, he fired his financial adviser and began studying investment strategies himself. He eventually turned that $400,000 into $5 million.

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07:47:23 -0700 10 web2jordan ]]> 102 http://media.howcast.com/system/videos/2/58/99/17/179958.flv DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, business, money, spend Business & Finance Personal Finance Credit Cards 0 http://img.howcast.com/system/thumbnails/179958/shred_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/179958-How-To-Avoid-Credit-Card-Debt 53 172371 How To Repair Your Credit AssignmentGuide 2898 Tue, 14 Apr 2009 11:18:04 -0700 39 crazyp3t3 ]]> 96 http://media.howcast.com/system/videos/3/71/23/17/172371.flv DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, business, finance, personal, credit, money Business & Finance Personal Finance Debt 4 http://img.howcast.com/system/thumbnails/172371/Picture_1_xxlarge_maintained_aspect.png http://www.howcast.com/videos/172371-How-To-Repair-Your-Credit 53 173672 How To Avoid Bankruptcy AssignmentGuide 638 Mon, 20 Apr 2009 10:32:52 -0700 7 Altius ]]> 127 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