The complete package
Have you ever heard someone say, "My home is my biggest investment"? I hear it a lot. In a market
like San Diego, owning a home very often is a big investment. But all too often, I find that it
is the ONLY investment -- and I think that's a mistake. Real estate should be
just one piece of a much larger financial plan. I try to provide my clients
with some basic education regarding financial topics, including: budgeting, life insurance,
savings, and investment strategies and encourage them to have a rounded, well-balanced
financial plan.
What I can do for you
I am still licensed to sell life insurance, but not currently working in that industry.
Most people
aren't keen to discuss life insurance because it means confronting the eventuality
of their demise, but life insurance is almost always an important part of a complete
financial plan, especially for homeowners. After purchasing a home, you will be
inundated with offers for life insurance. Typically these policies are relatively
expensive for the benefits they provide. Talk to me if you have questions about
insurance and I will be glad to give you the straight dope.
I enjoy talking about money and financial planning so much that I have contemplated becoming a Certified Financial Planner (because, you know, three careers aren't enough!) But until that happens...
I know my limitations
I am happy to talk with my clients about general principles of finance.
However,
I cannot be all things to all people. For detailed advice on specific issues
other than life insurance or real estate,
I recommend that you consult a professional advisor (CPA, attorney,
Certified Financial Planner, etc) who is more qualified to discuss your needs.
Here are some links to people which I think give great advice:
- Ric Edelman, financial advisor. http:www.ricedelman.com/
- Lindsay & Brownell, CPAs. http:www.lindsayandbrownell.com/
- Douglas Barker, attorney. http://www.barkerlawgroup.com/