Step Four: Take Action
| John Rukosky of Rukosky & Associates |
We believe there is a critical difference
between our firm and others that
perform only financial planning: while
others will refer you to a tax advisor
after having designed a financial plan
for you, at Rukosky & Associates
Financial Group Inc. you are
consulting with a tax accountant, so
we know your plan will succeed.
between our firm and others that
perform only financial planning: while
others will refer you to a tax advisor
after having designed a financial plan
for you, at Rukosky & Associates
Financial Group Inc. you are
consulting with a tax accountant, so
we know your plan will succeed.
Contact us:
508 Driewood Court
Raleigh, NC 27609
Office: 919.781.9319
Mobile: 919.906.4234
Fax: 919.791.0990
Email: john@rafginc.com
Raleigh, NC 27609
Office: 919.781.9319
Mobile: 919.906.4234
Fax: 919.791.0990
Email: john@rafginc.com
This is going to be a very short chapter. I mean, it’s pretty self-
explanatory, isn’t it? Reading is great theory and great learning, but
unless you get on the stick, reading any of this was a complete waste of
your time.
So I guess what you really need in this chapter is to answer the
question: “Where Do I go to get started?”
If you can’t seem to find the money to get started, I think you might need
some help identifying where your money is going. There are credit
counseling agencies listed in the phonebook. There are also free classes
for credit counseling offered all of the time from your local government
offices.
If you need help getting your plan together, that’s what me or your
financial planner and tax advisor are here for.
If you are having trouble choosing investments or want more investment
information, try to avoid going to a salesperson. They get paid for what
they can sell and earn nothing for what they can’t sell. Instead, look up
information on the Internet, go see a financial planner, or go to some
seminars. All of those are free.
If you are having trouble getting your projections together, you need to
seek professional help and you need to pay them to help you. Honestly,
there are SO many factors (as you have seen) that go into projecting
required retirement income that not all of the calculators on the Internet
can help you….completely. And, we haven’t even gotten into a
discussion about all of the IRS rules and tax ramifications that surround
particular investment choices. Don’t be stingy here…go see someone.
If you have gotten your plan together and need to review it, do your
review every three years. Tax laws change, new strategies become
apparent, some idiot in Congress thought it would great to repeal
something, or maybe your life changed through death or divorce (or
maybe an inheritance or 401(k) lump sum distribution) and you want
advice. Review, review, review.
If you have decided to see a professional planner, make sure they (1)
have a good ten years of experience in financial planning, (2) they are
well-versed in tax law (financial planning and tax planning go hand-in-
hand), and (3) they are charging reasonable prices. At Rukosky &
Associates, we provide free consultations and our plan fees are
extremely reasonable (you can even ask for a la carte services).
explanatory, isn’t it? Reading is great theory and great learning, but
unless you get on the stick, reading any of this was a complete waste of
your time.
So I guess what you really need in this chapter is to answer the
question: “Where Do I go to get started?”
If you can’t seem to find the money to get started, I think you might need
some help identifying where your money is going. There are credit
counseling agencies listed in the phonebook. There are also free classes
for credit counseling offered all of the time from your local government
offices.
If you need help getting your plan together, that’s what me or your
financial planner and tax advisor are here for.
If you are having trouble choosing investments or want more investment
information, try to avoid going to a salesperson. They get paid for what
they can sell and earn nothing for what they can’t sell. Instead, look up
information on the Internet, go see a financial planner, or go to some
seminars. All of those are free.
If you are having trouble getting your projections together, you need to
seek professional help and you need to pay them to help you. Honestly,
there are SO many factors (as you have seen) that go into projecting
required retirement income that not all of the calculators on the Internet
can help you….completely. And, we haven’t even gotten into a
discussion about all of the IRS rules and tax ramifications that surround
particular investment choices. Don’t be stingy here…go see someone.
If you have gotten your plan together and need to review it, do your
review every three years. Tax laws change, new strategies become
apparent, some idiot in Congress thought it would great to repeal
something, or maybe your life changed through death or divorce (or
maybe an inheritance or 401(k) lump sum distribution) and you want
advice. Review, review, review.
If you have decided to see a professional planner, make sure they (1)
have a good ten years of experience in financial planning, (2) they are
well-versed in tax law (financial planning and tax planning go hand-in-
hand), and (3) they are charging reasonable prices. At Rukosky &
Associates, we provide free consultations and our plan fees are
extremely reasonable (you can even ask for a la carte services).
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