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.
Regardless of how you approach retirement, there are some things about it that might surprise you.
Five creative (and inexpensive) ideas for motivating your employees.
There have been a number of changes to Social Security that may affect you, especially if you are nearing retirement.
Calculating your potential Social Security benefit is a three-step process.
Retirement income may come from a variety of sources. Here's an overview of the six main sources.
The federal government requires deceased individuals to file a final income tax return.
This calculator helps estimate your federal estate tax liability.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
This calculator compares the financial impact of leasing versus buying an automobile.
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
This calculator demonstrates the power of compound interest.
Estimate how much income may be needed at retirement to maintain your standard of living.
The importance of life insurance, how it works, and how much coverage you need.
Principles that can help create a portfolio designed to pursue investment goals.
Investment tools and strategies that can enable you to pursue your retirement goals.
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.
How federal estate taxes work, plus estate management documents and tactics.
What does your home really cost?
Here’s a crash course on saving for college.
Have you found yourself suddenly single? Here are 3 steps to take right now.
How will you weather the ups and downs of the business cycle?
Around the country, attitudes about retirement are shifting.
Even low inflation rates can pose a threat to investment returns.