Skilled Trades Workers
Why you should engage with a financial planner
Managing Irregular Cashflow – Many trades workers experience fluctuating income due to seasonal work, contract jobs, or overtime. What is the best way to put your irregular income to use?
Retirement Planning – Are you taking advantage of and do you understand the best retirement plan accounts you have available such as 401(k), IRA, ESOP, ESPP, Union Benefits and pensions. Trade work can be hard on your body. You should decide WHEN to retire, not retire when your body says you HAVE to…
Make Your Money Work Harder Than You Do – Are you invested correctly for your stage of life?
Avoid Getting Wrecked by Taxes – How can we help you keep the most of your hard earned money and set you up to pay less tax down the road
Reduce Debt– The borrower is the slave to the lender - how can we help you reduce your debt and solidify your financial position.
Insurance – Assess the need for disability insurance, health coverage, liability insurance, and life insurance to protect against unexpected risks.
Don’t Go Broke – Work-related injuries or economic downturns can disrupt income. Are you prepared if something happens?
What Happens if you die? –Review your wills, trusts, and beneficiary designations to ensure assets go to the right people and avoid unnecessary taxes or probate issues
Why you won’t engage with a financial planner
Lack of Trust in Financial Advisors – I won’t show up in a suit. My approach is to educate. I’ll lay out the pros and cons of each decision so you can make the best choice for yourself.
Feeling It’s Too Expensive – A good financial advisor should bring you far more value than they receive. My job is to help you build and protect your wealth, not drain it.
Relying on Peers or Family for Advice – I’ve seen both great and terrible financial advice come from friends and family. Not sure if what you’re hearing is solid? I’ll give you a second opinion so you can make the right call.
Assuming Your Union Benefits Will Cover Everything – They might—but are you sure? I can help you understand exactly what’s covered and where you might have gaps.
Feeling Too Busy – I get it—life is hectic. But I love what I do and care about the people I do it for. We’ll find a time that works for you.
Thinking You Don’t Earn Enough – You don’t need a lot to get started. Time is your best friend when it comes to financial planning, and taking that first step can be a game-changer.
Being Comfortable with the Status Quo – You might be in a good spot now, but what if the status quo leaves you short in retirement? Let’s make sure you’re really on track.