Retirement Planning Goffstown NH

Like the pre-bandit me, many singles save little because they have only themselves to worry about when in fact, planning is even more crucial for singles because they must face every financial challenge independently. During my disaster recovery, I learned some money management tips (and other safety tips) that I think every single should consider.

Glenn Sweeney
SFM, LLC
(603) 625-8400
575 Front Street
Manchester, NH
Expertises
Planning Issues for Business Owners, Ongoing Investment Management, Real Estate Investments, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFA, CPA

Robert Bartley
Bartley Financial Advisors
(603) 625-9900
169 South River Road, Suite 17
Bedford, NH
Expertises
Advising Entrepreneurs, Advising Medical Professionals, Ongoing Investment Management, Planning Issues for Business Owners, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA

Dorothy Cole
Dorothy J. Cole
(800) 352-6530
11 Blackstone Court
Merrimack, NH
Expertises
Planning Issues for Business Owners, Divorce Planning, Financial Issues Between Generations, Middle Income Client Needs, Advising Medical Professionals, Special Needs Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA, EdM

Mrs. Linda Leibig, CFP®
(603) 497-6040
25 Pleasant St
Goffstown, NH
Firm
Gelfand Financial Services
Areas of Specialization
Asset Allocation, Charitable Giving, Comprehensive Financial Planning, Divorce Issues, Estate Planning, Investment Planning, Life Planning
Key Considerations
Average Net Worth: Not Applicable

Average Income: $250,001 - $500,000

Profession: Not Applicable

Data Provided by:
Christopher June, CFP®
(603) 625-8400
575 Front St
Manchester, NH
Firm
Sweeney Financial Management LLC (SFM, LLC)
Areas of Specialization
Comprehensive Financial Planning, Education Planning, Employee and Employer Plan Benefits, Estate Planning, Investment Management, Retirement Income Management, Retirement Planning

Data Provided by:
Jean Fullerton
WJM Financial, LLC
(603) 589-8010
2 Commerce Drive
Bedford, NH
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Socially Responsible Investments, Retirement Planning & Distribution Rules, Tax Planning, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®, MS

William Moeckel
WJM Financial, LLC
(603) 589-8010
2 Commerce Drive
Bedford, NH
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFA, CFP®, MS

John Dulmage
Financial Pathways
(603) 821-1450
50 Nashua Road 112 Londonderry Square
Londonderry, NH
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Tax Planning, Real Estate Investments, Socially Responsible Investments, High Net Worth Client Needs
Certifications
NAPFA Registered Financial Advisor, CFP®, EA

Mr. John R. Crane Jr., CFP®
(603) 629-1518
200 McGregor St
Manchester, NH
Firm
St Mary's Financial Services
Areas of Specialization
Banking, Comprehensive Financial Planning, Elder Care, Employee and Employer Plan Benefits, Estate Planning, General Financial Planning, Investment Management
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $50,001 - $100,000

Profession: Not Applicable

Data Provided by:
Mr. Harold R. Sullivan, CFP®
(603) 669-0032
835 Hanover St Ste 205
Manchester, NH
Firm
Sullivan & Sullivan
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $100,001 - $250,000



Data Provided by:
Data Provided by:

Start Saving Strategies to Secure Your Finances

My first five years in New York, I led a good single life. Working as a technology and business consultant, I earned a nice salary which allowed me to enjoy nice dinners with friends, spend frivolously and not think twice about large purchases.

I was spoiled by a solid job market within a bullish industry and did not max out my 401k let alone contribute to it nor did I set up a savings account despite the consistent pleading of my parents.

Then a move uptown came when the movers politely drove away with every last item I owned, never to be seen again. It may be hard to comprehend but a robbery was one of the most valuable life lessons I ever received.

Like the pre-bandit me, many singles save little because they have only themselves to worry about when in fact, planning is even more crucial for singles because they must face every financial challenge independently. During my disaster recovery, I learned some money management tips (and other safety tips) that I think every single should consider:

1. Learn to live within your means:
Whether it is expensive purses or the latest must have electronic gadget, many singles tend to spend beyond their means. To live with a moderate mindset, learn to make conscious and realistic purchasing decisions. Keep track of spending in a journal and make smart adjustments on a regular basis. Your new found awareness will allow you to differentiate must-have purchases from those which are indulgences, keeping expenses at bay.

2. Set up an emergency fund: No one should ever have to deal with a robbery but face it, bad things happen all the time. Better to be on the safe side by stashing away some cash (at three to six months' income) in a high-yield savings account. Remember these monies are a safety net, so do not spend them on "shoegasms" no matter how good it might feel. The best way to avoid temptation? Leave those credit cards at home!

3. Be on top of bills: Timely payment is important but you must also be sure to review monthly statements from services and credit card providers. These days, you never know who has tapped into your accounts! So look out for cash discrepancies based on your monthly deposits and withdrawals as well as faulty expenses that may be charged to your account.

4. Keep Records Straight: Invest in a file folder and keep a copy of every receipt, warrantee, invoice or financial and medical statement you receive. This way you will be able to return items that have gone faulty, dispute fraud charges and be on top of deductions when it comes time to pay taxes. And though we don?t wish it upon anyone, be able to prove insurance claims should the time come.

5. Max Out on Your 401k: Start investing for retirement! Maximizing use of your employer's retirement plan or starting a simplified employee pension plan (SEP) if you're self-employed is important for singles as a way to save for their future while getting a valuable tax break in the bargain.

 

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