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.
A look inside the U.S. government's statistics on household net worth.
Whatever your relationship with your car, it may eventually come time for a new one. Familiarize yourself with your options.
1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.
Even if you’re young and single, you should still consider protecting yourself.
As our nation ages, many Americans are turning their attention to caring for aging parents.
Are you a thrill seeker, or content to relax in the backyard? Use this flowchart to find out more about your risk tolerance.
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
This calculator compares the financial impact of leasing versus buying an automobile.
Assess whether you are running “in the black” or “in the red” each month.
Estimate the total cost in today's dollars of various mortgage alternatives.
Use this calculator to compare the future value of investments with different tax consequences.
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
The chances of needing long-term care, its cost, and strategies for covering that cost.
There are some key concepts to understand when investing for retirement
Using smart management to get more of what you want and free up assets to invest.
How federal estate taxes work, plus estate management documents and tactics.
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.
Women must be ready to spend, on average, more years in retirement than men.
A special needs trust helps care for a special needs child when you’re gone.
Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.
Around the country, attitudes about retirement are shifting.
We all know the stock market can be unpredictable. We all want to know, “What’s next for the financial markets?”
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.