The Dave Ramsey team asked our founder, Phil Wheat CFP® to be one of their recommended SmartVestor investment advisors in the Northcentral Texas area. Phil and his partner, Lori Givens CFP® own and are the investment advisors with Wheat-Givens Financial, LLC. The Ramsey organization requires the SmartVestor designation to formally pertain to only one advisor per firm, even though they are aware that Phil and Lori always work as a team. In addition to being Certified Financial Planners® they are both Accredited Investment Fiduciaries®. Lori and Phil work to provide the highest level of individualized financial planning and investment management to their clients. They firmly believe each of their clients to be unique and special, so this is the way they treat them.
Being healthy not only makes you feel good, it may also help you financially.
An inside look at how marginal income tax brackets work.
There are common mistakes you can avoid when saving for retirement.
Understanding how capital gains are taxed may help you refine your investment strategies.
Monthly Social Security payments differ substantially depending on when you start receiving benefits.
Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.
Assess whether you are running “in the black” or “in the red” each month.
This calculator demonstrates the power of compound interest.
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
Use this calculator to better see the potential impact of compound interest on an asset.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
Estimate how much income may be needed at retirement to maintain your standard of living.
Using smart management to get more of what you want and free up assets to invest.
Principles that can help create a portfolio designed to pursue investment goals.
The importance of life insurance, how it works, and how much coverage you need.
How federal estate taxes work, plus estate management documents and tactics.
There are some key concepts to understand when investing for retirement
The chances of needing long-term care, its cost, and strategies for covering that cost.
Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.
Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?
Have you found yourself suddenly single? Here are 3 steps to take right now.
Ever lost your wallet? Frustrating. Here’s what you can do to keep yourself safe.
There are hundreds of ETFs available. Should you invest in them?
If your family relies on your income, it’s critical to know what their needs would be in the event of your death.