Financial Temperature

Financial Planners? I have really bad credit. I'm only in debt 5K, but I'm having a really hard time paying everything. I want to go to a financial planner to help me get my money, bills and bad credit on track. I'm just really lost and I need to professional direction (I think) What are people's experiences with financial planners? Do they cost a lot? Are they worth it? Are they really helpful? And finally, how can I find a good, experience and knowledgable financial planner? Don't tell me the yellow pages either. Anyone can do that, doesn't mean the person they call is any good.

What Percentage Of Financial Planners Invest In The Funds They Recommend? I remember reading a stat that said something like 80%+ of financial planners don't hold investments in the mutual funds they invest their clients' money into. I can't for the life of me find that stat. Would anyone know where I could find a statistic like this or what the statistic is? I'd appreciate some help since Google seems to be failing me in this area.

What is the best place to search for hourly fee based financial planners / investment advisors? What is the best place to search for hourly fee based financial planners / investment advisors?

So I work as a mortgage person trying to help financial planners make $. Best way to contact them?? I have a great program to help them to make more money, as well as realtors. The problem is getting together with them and getting them to listen to me. Once they hear the program (both realtors and financial planners) they love it and are on board. Any suggestions on how to contact them and train them on it? You would think it would be easy to help people make more money!! Thanks so much in advance for all of your time!

How much should financial planners get paid? If they move your money into a IRA and set up some other plans? I have been chatting with a financial planner. He has talked to me about different option for IRA and life insurance. The IRA is through a company I think called Allianz and he said that anytime you put money in there plan you get a 4% bonus. I think the then is taking 1% of that has commission but I could be wrong. I have to keep my money in this IRA for 10 years but it is promised to never go down over those ten years from the highest $ amount. He also discussed different types of insurane plans.. I have no idea. I am 34 single mother of 2 kids 3 &5. Any clue as to what type of plan would be good for me. My company doesnt offer a 401K. What % is reasonable for him to get on the life insurance?

Financial planners, please tell me what you do!? If you are an individual whose business cards read "financial advisor" or "financial planner" or you call your self one of the above, or you tell people your job is "financial planning" then this question is directed at you. Would you please respond with your definition of what financial planning is. If you would like to include your licenses, designations, degrees, the company you work with, etc please do. Also, please indicate if you view yourself as an employee of your firm or as your own business owner. Thank you for your time and feedback.

Financial Planners--how did you get your first client? I'm very interested in a career in financial planning, but I just don't know how I'll find people willing enough (and trusting enough) to hand over their assets to me, even if I am certified. How easy was it to land that first non-family, non-friend client?

What is the formula many financial planners use to determine how much an individual will need in retirement? The answer is 85% of pre - retirement income. I want to know how that is determined, please.

If we did what financial planners want us to do, would we head into a recession even quicker? Paying off debt, saving for emergency fund, saving for retirement, 20-25% down payment, etc. If 90% of Americans did exactly what we are idealy supposed to...Would this cause a huge recession? Moreso than what is predicted to occur?

Ok financial planners..What a great way to start building a nice little nest egg? I don't like the idea of investing.

How do financial planners work? Where can I find out about them and where to find a good one?

Do stock brokers/financial planners earn more commission when they sell a certain stock? If one goes to see a financial planner/stock broker that is commision based, is there a push to sell one particular stock? For example, let's say that I am interested in buying stock in General Mills, but Hershey has a higher commision structure for the broker, so they would push Hershey instead. The companies listed are just hypothetical, and the first that came into my head, since I am hungry.

Any other financial planners finding it rough right now? It seems as over the last two weeks our entire firm has had trouble signing any new IRA's or TSA's. Is it just us or is anyone else feeling a pinch? Just to let you know Jerry, we actually run an ethical firm. And believe it or not we don't charge our clients ANYTHING on the front end, we make our profits on the back. I'm sorry that you stumble around life carrying the baggage from every bad experience you've ever had. Good luck growing up.

I am confused about all the different types of financial advisors and financial planners.? Is there some type of guide that defines each type and the meaning of their different credentials?

are there any good online financial planners? i'm not looking for a dow jones jr, i was just wondering if anyone knew of a non-banking site where you can track your own expenses. i usually keep a notebook(-$6.74 for chinese food, -$39.99 for t-shirt, etc) i just wanted to know if there were any websites that do the same thing.

How much do certified financial planners (CFPs) make starting out?

How do financial planners estimate the 85% of pre-retirement income needed for retirement?

What kind of majors do certified financial planners have?

What do Financial Planners want to know most about Mortgages?

who makes more money in canada certified financial planners or frieght brokers?

What is the average fee charged by private financial planners to individual customers in NYC?

can financial planners or adviser become tax advisers? i am looking to get into as a tax adviser but don't have the qualifications and a degree will take ages is there any other way that i can get a certificate by just doing a little revision and taking exams if not can people who are licensed as financial planners can they become tax planners yeh but a tax planner is different and i want to know if i can get into that without any degree

Do most financial planners really understand wealth? Do you hear about rate of return and how much more money you need to be contributing all the time? Seems like they are missing some big parts of the financial equation... This is so true about financial advisors... http://becomingyourownbanker.wordpress.com/2008/10/03/traditional-financial-planning-is-not-working-in-our-economy-today/

Is there a law that says Financial planners must be certified?

Waddel & Reed as financial planners? Does anyone have experience using them? Was it flat fee or a % ?

I want to get my certified financial planners license, how do I get it?

Bank Managers or Financial Planners Answer These If You Would Pleasee? Bank Managers and Financial Planners Please Read This and Help Me Out!? this is for my economics course. PLEASE DO NOT IGNORE THIS. I am just in need of some answers for an interview with a bank worker. after you answer the questions i will need the following information: a.Name b. Company they work for c. Address d. Phone number e. E-mail address (if possible) YOU DO NOT HAVE TO LEAVE INFO IF YOU ARE TOO PARANOID ABOUT IT, But please answer the questions. here is what i need to know: 1. What are the implications of having either a positive or negative credit history? (Ask for specific examples.) 2. What would constitute a responsible use of credit? 3. What are three (or more) inappropriate uses of credit? 4. When selecting a credit card, what factors should one consider? thank you so much for your time

Are financial planners being honest about retirement? They make the following unwarranted assumptions: 1. After you retire, you will never work another day in your life. 2. You will need to maintain the same income in retirement that you had when you were working full time. 3. You will not receive Social Security.

Do you think financial planners are going to be more or less in demand due to the current financial crisis?

What is it like being a Financial Planner? Is a CFP or MBA more valuable in this field? Hello! I am interested in persuing a career path in the Financial Planning field. I am 26 now, and currently a Financial Planner in a Fortune 50 company. However, I'm questioning whether I want to work in corporate America all my life, or if I want to persue a career path in more "private" financial planning - mainly for individuals. So for those of you who are Financial Planners right now - whats it like? What are the best aspects...and the worst aspects....of your job? Is getting the CFP worth it - or is an MBA more valuable? I'm questioning right now which path to take - 1) get an MBA or 2) get a CFP ($$ is not an issue since my company will pay for my full education). Any insight you could provide into the field would be greatly appreciated. Thank you! Only one answer? Are there any Financial Planners out there?????

As a manager of a financial planning business you have two financial planner? As a manager of a financial planning business you have two financial planner. In an hour, Phil can produce either one financial statement or answer 10 phone calls, while Francis can iether produce 3 financial statements or answer 12 phone calls. Deoe either person have an absolute advantage in producing both products? Should these two planners be self-sufficient or specialize?

Do people really believe in Financial Planners? and that they are looking after their best interests of their clients, or are they just salesmen selling a product that their employers want to push

How to become a Financial Planner or Adviser? I'm interested in becoming a Financial Planner or Adviser. How do you go about being certified as one (I live in Australia)? What does the job entail? For those of you who are already Financial Planners or Advisers, what made you follow this career path? What are the good things and the bad things about this job?

If you were looking for a financial planner . What would be the top three questions to ask.? I'm starting to do my homework in anticipation of interviewing a few financial planners. I know there are lots of important questions, but if you could only ask three question, what would they be?

What are the challenges of being a financial planner? I am researching Financial Planning as a career, and wanted to hear from some planners about the most common challenges they face. Any information would be great! Thank you

Certified financial planners? Can anyone educate me on how certified financial planners earn their income? Do they get a commission? How can I be sure if a CFP is a "good" one? I know they have to have so many hours of education every year to keep up with the changes I'm sure, but why would they care if I lose my money or make money. In other words, what's in it for them? Any help would be greatly appreciated. Thanks !

Employment as Investment advisor or financial planner after a business degree? If a person was to complete a business degree program in Ontario, is it possible to get into the profession immediately after graduation, or will that person have to have a junior role in a company/firm and work their way up the ladder? Is the mean salary for a person with a university degree significantly more than one with a college diploma in finance? And lastly, for current IAs and/or financial planners, is there a high turnover in the field? And are there any organizations to whom being affiliated with enhance the profession (other than CFP)?

What do people go to financial planners for...what do they help you with?

How can I get required financial work experience to become a Certified Financial Planner while still teaching? I’m interested in becoming a Certified Financial Planner, but I’m facing something of a “Catch 22.” In order to complete the requirements for the formal certification as a financial planner, a person has to have 3 years of financial work experience. I’m currently a full-time high school social studies teacher, and would like to make the transition to the new career as quickly as possible after I retire from teaching (in about 10 years). What can I do while I’m still a full-time teacher to get the financial work experience I need so that I can make the transition to a Certified Financial Planner without having to spend 3 years getting this experience after I retire from teaching? Thanks in advance for your time, ideas, and information.

How do I become a financial planner on my own without working for a company? Im getting ready to enter college this fall and I know I have a long time to go before im ready and knowledgable to open my own business but I would like to start planning and know the prerequisites now. I'm interested in starting a business in financial planning and I wanted to know if anyone could help me and tell me what things will I have to learn to become a financial planner, what should I study, and what major would be the best to take in college.

What charges are associated with using a financial planner for retirement funds? My wife and I are planning to retire in the next few months and will receive several hundred thousand dollars from our retirement funds. We need to work with a financial planner to be able to roll most of this money into accounts that won't be taxed until we withdraw funds to spend. How much should we anticipate having to pay a financial planner to arrange this. Also, if anyone knows about these things will it be possible to make such a rollover? I am 63 and my wife is 64.

Does the state of Florida have any additional requirements for Certified Financial Planners? The Certified Financial Planner's Board has strict requirements for CFP's such as continuing education requirements. I'm wondering if the state of Florida has additional standards on top of the CFP's Boards.

What is meant by certified financial planner and is it important to be certified? What is a CLTC and how do I know if I need a CLTC or a financial planner. I'm just trying to get someone to help me manage my $$ and plan for my retirement! I don't know what I need!

What are the top 5 stresses/obstacles that face Financial Planners? Looking for a specific list of 5 things that are the biggest stresses to Financial Planners in their profession.

Can I volunteer to be a financial planner in IL? Are there such things as volenteer financial planners in IL, if so how does one become certified to be one. Is there a programs sponserd by the state?

can financial advisers/planners earn alot in the uk? in the uk how much would a financial planner/adviser earn through there career on performance and also what is the best exam to take i heared there are different ones which confuses me cefa , cpa, cii can somebody tell me the best and right one that would get you into a company with a high income thank you

How to be a successful financial planner these days? With so many financial planner out there, how to really be the one who can make it and do well?

What is the best way to find a financial planner? I'm looking for a financial planner in San Antonio, TX. How much does a planner usually charge? Any recommendations?

What is the best degree for a future financial planner? The educational requirement is a degree in one of the business disciplines. I have mostly core and some basic business credits, but haven't picked a focus yet. I know it varies from school to school, but which will best prepare for a career as a certified financial planner?

What is the best route to becoming a financial planner with a non-business major? I have a business administration minor and have worked in the banking, accounting, and insurance fields the past 5 years. I'm not sure if I should just take some courses to get a B.S. Finance, get an MBA, or just take a financial planner certification program.