Phoenix Financial Planner

Phoenix Financial Planner A financial planner typically prepares financial plans for his or her clients. The kinds of services financial planners offer can vary widely. Some financial planners assess every aspect of your financial life-including saving, investments, insurance, taxes, retirement, and estate planning-and help you develop a detailed strategy or financial plan for meeting all your financial goals. Other professionals call themselves financial planners, but they may only be able to recommend that you invest in a narrow range of products and sometimes products that are not securities.

When hiring a financial planner, you should know exactly what services you need, what services the planner can deliver, and any limitations on what he or she can recommend. In addition, you should understand what services you are paying for, how much those services cost, and how the planner gets paid. Financial planners charge for their services in different ways: some charge either a fixed fee or an hourly fee for the time it takes to develop a financial plan, but do not sell investment products; some are paid by commissions on the products they sell; and others use a combination of fees and commissions.

Financial planners may come from many different educational and professional backgrounds. If you are considering using a financial planner, be sure to ask about their background. If they have a credential, ask them what it means and what they had to do to earn it.

Some financial planners have credentials like CFP certification or CFA (Chartered Financial Analyst). Find out what organization issued the credential, and then contact the organization to verify whether the professional you are considering did, in fact, earn the credential and whether the professional remains in good standing with the organization. For a helpful list of various financial industry credentials (including the name of the issuing organization and any education or experience required to attain the credential), please read FINRA Understanding Investment Professional Designations.

The Certified Financial Planner Board of Standards also has brochures – What You Should Know About Financial Planning and Questions to Ask When Choosing a Financial Planner – that will help you identify a financial planner who is right for you.

Financial planners who give investment advice to their clients must register with the SEC or the appropriate state securities regulator. For more information about investment advisers, read the publication entitled Investment Advisers: What You Need to Know Before Choosing One.

The best Oklahoma City auto insurance companies

When it comes to insurance for ones vehicle then one should not delay the matter. Accidents and thefts can happen at any time and when the vehicle is insured then one can at least breadth a little because the losses are covered under the policy if things are proved. Today one can find the best and the most well-known auto insurance companies in Oklahoma City or in any other place for that matter. This is all possible thanks to the internet, the easy access to it and the well-designed website seen today. One can avail information about the best Oklahoma City auto insurance companies at the click of a button if one uses the internet to run an online search for the same. Conducting an online search is very easy and when one uses the popular search engines, then there is no reason to doubt the information availed through the search. >

Browse through websites

Once one avails the names of the best insurance companies in town then one should browse through their informative and user friendly websites for more information about the companies and the various kinds of policies offered by them. The best thing about browsing through the well-designed websites is that all the required information is easily found on the website. The websites seen today are divided into sections for the ease and convenience of the customer and if there is any specific information that one requires then one should call the insurance company or fill in an online form and wait for a response from the company. These days people prefer to fill in the online form with their contact details and wait for a response from the company. Once the customer representative calls them, then they can find out all details from him.

Check for accreditation of insurance company

One should check for accreditation of the Oklahoma City auto insurance company. Information regarding this accreditation can also be found on the website. Most of the well-known and reputed insurance companies are accredited with a well-known Organisation and once one sees the accreditation details then one should understand that the services extended by the company will be of a certain high standard. One should also look for experience information about the insurance company. The more experienced the company in the insurance field, the better it is for the customer and he can be assured of the best insurance policies at the most agreeable terms. One should browse policy details of two or more insurance companies before one decides to take one of the auto insurance policies available.

Author Bio:

Mony Alva is conveying information about Oklahoma City auto insurance and . Youre probably thinking, everyone says that, so, whats different here. Its the commitment of quality, genuineness, and a guarantee that values your time and interest.

How To Find Cheap Boat Insurance

If you can get things easily, you might do so. If you can get cheap boat insurance easily, theres no harm in heading that route. Whether you own a boat that is tied to a dock or you have it stored in your trailer, you need to get your hands on cheap boat insurance as soon as possible.

Your boat is an investment and you want to make sure that it is covered. It is like a house or a car. It is an asset and it definitely needs insurance. You want to be covered just in case something happens to it.

You can easily secure cheap boat insurance by going online. Because of the demand for insurance right now, you will realize that you are just one in a million of investors who are thinking of investing their hard-earned cash in insuring their boat.

So if you head out to the open water altogether, you are all covered. Its true what they say about insurance. It is better that you have it and not need it, than need it but not have it.

There are a number of cheap boat insurance quotes to choose from. These sites contribute a lot to the public who wants to insure their boat because they pretty much get an idea of how much this move will cost them.

They also get a preview of the plans out there. The best insurance providers are those that have no qualms in stating the costs of the plans they provide their clients and their potential clients.

Another sign that the insurance provider is one of the best in the business is when the reviews on their plans are positive. Words of their clients also play an important factor.

If you look at cheap boat insurance quotes, chances are you will see links to the webpage of these insurance providers. Seize your chance and click on the link so you can see the testimonials from the clients.

If you are wondering about the discounts that come with the cheap boat insurance, you shouldnt wonder anymore because the quotes that you check out will easily give you the answers that you are looking for.

You can also compare these with the other plans that you are considering. If you can get insurance at a cheaper rate, why should you invest in insurance that are available to you at the general price?

The money that you save for getting cheap boat insurance can be used on other things. You can use this to get something for your boat.

How To Become A Certified Financial Divorce Specialist

If you often work with individuals who are going through divorce proceedings, then you may want to consider becoming a Certified Financial Divorce Specialist (CFDS). Having this credential shows that you have comprehensive information that will help clients explore their financial options related to a divorce agreement. Training for the CFDS will make you better at helping your clients find a better position of financial stability.

Topics Covered in the CFDS Certification
The CFDS training is designed to improve and increase your knowledge of the complexities of the financial problems that are related to divorce agreements. The more you know about the tax, financial, and legal complexities of divorces cases, the better you can provide support for your clients. Furthermore, the course contains guidance on your role as a professional CFDS.

Here is a brief summary of the topics covered by this training program:
Assessing and identifying assets including family home, property, and pensions to career assets and benefit plans.
Overview of the various legal proceedings, the role of a professional CFDS, and the different methods of settling a divorce case.
Identifying the tax problems from the impact of child support and alimony. Identifying the reporting requirements when selling and dividing the house.
Information about malpractice, ethics, and working with other professionals on the case.
How to present and prepare financial affidavits and other reports.

Training Format of CFDS
The CFDS training program is available online. When you order the certification training course, you can expect to receive everything you will need to complete the entire course from the comforts of your office or home. In addition, the package includes a blinder with around 500 pages of content covering the topics mentioned before and more. This foundational case material also combines questions and case studies to make the learning more realistic.

The Family Law Software program is also included in the package. This program helps calculate the financial impact of various options that are under consideration. For instance, you can use this software to determine what will happen to your client if she assumes credit card debt to keep the house. Part of the initial training package allows you five months of access to this program. After the initial five months are over, there will be a monthly fee that includes ongoing access to technical assistance and software updates.

It usually takes around three months to prepare properly for the online examination. After you have successfully completed the examination, you are required to finish a case study while using the Family Law Software. If you successfully complete this, then you will receive your certification.

Starting Your Certified Financial Divorce Specialist Career
A marketing package will come with your certification. This package will provide guidance on how to promote your skills and knowledge. There is a listing of networking opportunities, template for a press release, and other advice that can help you establish yourself in this market as a CFDS.

Dealing With The Insurance Adjuster After Water Damage

A water damage event his hit your home, and one of the first things you should do is to check your insurance policy or call your insurance agent and determine if your damage is covered. Even though you may be faced with plenty of damage and the beginning of mold, all homeowners policies dont automatically cover all types of water damage.

Once you understand what your policy covers, then you can quickly begin to remediate the damage to your property and begin to get the information to file a claim assuming you know what will be covered, according to the web site insure.com.

First and foremost, as some residents of New Orleans and the Mississippi Gulf Coast learned during Hurricane Katrina in 2005, a flood is not covered by homeowners insurance. Floods are only covered by flood insurance thats issued by the National Flood Insurance Program and cant be bought through nearly any insurance company.

Heres the kicker, though. Flood insurance policies have a ceiling not shared by homeowners insurance, and a separate level for contents that many people dont bother to adjust to their situations. So many homeowners in New Orleans wanted their homeowners insurance to handle the situation, because it provided more coverage.
Water damage from a leaking room is covered by most homeowners insurance, though the damage to the roof is not. Thats because of the generally accepted principle that anything related to maintenance falls to the homeowners. Roofs need to be properly maintained so the roof damage is not allowed.

Likewise, water from an appliance overflowing or pipes freezing and bursting, are both covered. Again, insurance companies general cover water damage if it was a sudden, catastrophic event, and not, as insure.com explains, a gradual wear and tear over time that proper maintenance could have avoided.

And two final areas of water damage: Seepages from the ground into the basement and sewer backup. Neither of these are covered by homeowners insurance. Seepage clearly is a gradual event that can be diagnosed and corrected before any significant damage results. Sewer backup is something that many insurance policies around the country specifically exclude.

So, now you know whether your own water event is covered by homeowners, flood insurance or has to be repaired out of pocket. And you are ready to take the next step – which is to document the damage and get an adjuster to your house as soon as possible to begin the process of submitting an insurance claim.

Importance Of Medical Tests Before Buying Medical Insurance

A commonplace advertisement from insurance companies is ‘no medical tests required to purchase an insurance policy’. People are attracted to the convenience of no-test policy compared to the one that requires all medical tests. But is it really right to purchase a policy without knowing your health condition?

Every individual going to buy an insurance policy whether health or life insurance needs to undergo medical tests as prescribed and should be aware of his health condition. This article discusses the importance and reasons for getting an insurance policy after taking medical tests appropriately.

Premiums are based on health condition
The premiums of an insurance policy (health or life) are charged based on the individual’s health condition. You need to make a declaration about your health condition in policy application form and the insurer fixes a premium rate on the basis of your discloser.

For understanding this clearly, lets take an example of two persons. Of them, one has high sugar levels and the other person has normal sugar levels. If both take insurance policy from a company that does not require medical tests then both will be charged same premium. But in reality, the premiums for normal persons should be less than the premiums of others with health issues.

The policies that require no-medical tests are:

Low value policies: Policies that do not consider health tests offer cover not more than Rs 5 lakh. So, if you are looking for a higher cover, that serves your life/health insurance needs, then you should take pure protection policy that requires you to undergo medical tests.

Prone to rejection easily: In most cases, the person who is taking insurance without a medical test may not be aware of his/her health condition. S/He may suffer from an illness and may not know about it till a medical test is conducted. In such a case, an insurer can reject the claim as these policies contain suppressed facts of your health condition with no proper underwriting. So, these kind of unintentional mistakes may simply deprive insurance cover even for those paying huge premiums.

Cover may be inadequate: If you get policies that require no medical tests, then you will also get the policy that has no appropriate insurance cover. It is like getting insured, but having no adequate insurance protection.

It is the actual responsibility of insurance company to determine the health condition of an insurance buyer. An insurance company simply cannot deny the claim as it is its responsibility to subject the policyholder to medical tests and then fix the premium.

Thus, a detailed medical examination that requires blood and urinalysis related tests, blood sugar, ECG, blood count, blood pressure, blood serum tests etc. will benefit you manifold. It provides your health condition report which tells you how fit you are. If you are suffering from any illness, get it cured before it ruins your health. Get complete medical record of your health before buying insurance policy.

Services Offered By Arizona Business Insurance Companies

As the 15th most highly populated state in the United States, and boasting mostly mild winters and hot sunny summers, Arizona business insurance has never been more necessary. With a constantly growing number of offices, homes, and families, there’s a calling for protection of this nature like never before. When seeking the right package for your company, be sure to assess these 4 great services, and pick a provider with a comparable competitive edge.

Commercial Vehicle

This form of coverage includes company owned vehicles, as well as rentals utilized in the distribution of wares or the transportation of employees and clients for work purposes. It also safeguards against accountability for bodily injury, maintenance, and vehicle or property damage. Ways to keep accidents from happening and to maintain or lower costs associated with this package include properly maintaining the vehicle and its parts, and having fully licensed and trained drivers operating the machinery.

Worker Compensation

When somebody is injured in the workplace, the damages can be devastating to the corporation, and the worker. To be sure your employees are properly taken care of, and to save the company from an embarrassing law suit, or costly hassle, be sure you’ve considered coverage of this nature. Packages like this one pay benefits to your injured staff for everything from medical bills to portions of wage loss, and more.

Construction Risk

Whether you’re building a new office, or simply renovating an existing space, this plan can keep you out of financial strain should something go awry. In Arizona, premiums include weather damage, materials used, theft, and fire, but not natural disasters or faulty design.There are other exclusions, but each organization offers different methods of protection, so a little research may be of value in this area before you settle on something static.

Liability Coverage

This provision gives assurance in the chance that there is property damage, or personal injury onsite to a client, or other civilians. This covers financial matters like court fees associated with such accidents and medical expenditures that may be a result. One of the more basic forms of safeguard provided, any office with a proper location should be aware of it.

In a perfect world, packages like the ones above wouldn’t be necessary; unfortunately, in today’s environment, we are left in uncertainty as to when disaster may strike. By taking advantage of offers that cut costs, and protect employees and property, it’s possible to rest easy, knowing your livelihood is taken care of.

Benefits of Motor Fleet Insurance Policy over Individual Vehicle Insurance

Almost every business uses commercial vehicles to run its business operations efficiently. Like any other physical asset of the business, these vehicles are very valuable and should be insured. When it comes to insuring the commercial vehicles, business owners have two options. They can get individual insurance policy for each vehicle or cover all the vehicles in one comprehensive insurance policy. In this article, we will discuss on this topic in detail and see which one is better.

One thing is for sure, you should get your commercial vehicle insured. According to Continuous Insurance Enforcement (CIE) law, every registered vehicle must have valid insurance at all times. This law in UK, states that it is an offense to keep vehicles without insurance and a huge penalty will be imposed on vehicle owners for not having insurance for their vehicles.

Though this law is not introduced in Northern Ireland, still it is mandatory to have adequate insurance cover for any motor vehicle that is used or left on a public highway. So, if your business uses vehicles, it is legally necessary to have vehicle insurance.

Motor fleet insurance policy Now that we are clear about the importance of insurance policy, we need to look for the options. As discussed earlier, we can either take individual insurance policies or go for a single policy, where several vehicles of any type are covered. Also called as motor fleet insurance, the latter one is a good option for companies having four or more commercial vehicles. However, the former option (individual insurance policy) is suitable for businesses with one or two vehicles. If your business has more than three vehicles, consider choosing motor fleet insurance. Here are its benefits.

Benefits over individual vehicle insurance policy There are many benefits of fleet insurance policy over individual vehicle insurance. This policy simply ensures that each and every vehicle of the business is outlined in a single policy.

Avoids the hassles of handling different insurance policies: Fleet insurance not only provides the benefit of covering all vehicles under a single policy, but also helps you stay away from the issues that arise while handling various insurance policies. You need not worry about the renewals of each and every individual policy of different vehicles. It is easy to handle fleet insurance – all vehicles will have single renewal date; single set of options and conditions; same process to claim, etc.

Provides coverage for the insurer/driver: Many fleet insurance policies also cover the insurer/driver, which is a must have in todays environment. Also there are cost implications to fleet vehicles with younger drivers. So, the premium rates may depend on the scope of the driving restrictions requested.

Saves time and money: Motor fleet insurance provides major benefits in terms of money and time. Since many vehicles are covered in a single policy, the premium will certainly be less than the sum of individual insurance policy premiums. Since all vehicles are covered under one policy, you can save a lot of time on tracking and maintaining various policies.

Choose A Comprehensive Jewellers’ Insurance Cover

Running a jewellery shop involves a wide range of risks because you deal with expensive jewellery. Therefore, it makes great sense to purchase a comprehensive insurance package to covers risks coming from all possible sources – employees, customers, vendors, damage, theft and others.

Whether your jewellery business is small or large, you need to protect your expensive jewellery stock. Choose a comprehensive cover that suits your particular trade.

Things to consider while choosing a cover
Businesses in general and jewellery shops in particular, involve great measure of risk, given the nature of the goods involved – precious metals like gold, silver, platinum, diamonds and other precious stones – widely used in jewellery. Therefore, it is better to purchase a comprehensive jewellers’ insurance policy that covers all possible risks. It is very important to consider the following.

Coverage for goods in transit
This coverage makes sure that your expensive jewellery stock is covered for any risk of accidental damage or theft that may happen in the transit. It covers the risk when it is being transported from one place to another.

Replacement or cash settlement
This insurance covers the damage of loss, due to theft, or damage. It covers the cost of replacement of the jewellery. You could also go for actual cash value. This value is fixed according to the price when it was lost.

Fixtures and fittings
Fixtures and fittings include your store equipment such as computers, cash registers and other contents, which are very high in value and the loss of these contents may badly affect your business. You therefore, need to consider the risk to the fixtures and fittings and purchase an appropriate insurance cover.

Coverage against business interruption
Business interruption coverage protects against the risk of interruption to your business. For example, natural disasters such as flood or storm may damage your business premises, resulting in temporary closure and loss of sales. Business interruption insurance compensates for the losses your business incurs during the interruption period and the damage and repair expenses that you bear.

While choosing a comprehensive insurance coverage for your jewellery shop, consult professional expert insurance brokers. They will help you choose the right type and amount of coverage to protect against all the potential risks to your business. Some also tailor the insurance policy according to your business requirements.

Choosing a comprehensive jewellers’ insurance cover, will therefore, protect your business against probable risks of all sorts.

Car Insurance For Teens Thats Affordable

Why do teens pay more for car insurance then adults? Car insurance is a risk based business model, and teenagers are most likely to get into an calamity. There are a few ways to uncover car insurance for teens that is a little lower priced. So what steps can one take to unearth this cheap teen automobile insurance? Clear things you can do are extremely simple and essentially don’t oblige too much effort on the teenagers part.

If the teen does well in school maintaining good quality grades, together with keep a clean driving record, the teenagers car insurance pricing will likely qualify for a price cut. If you’re a parent and you planned on purchasing them a brand new sports car for example, you better be ready to pay high rates on their car insurance. Nonetheless, if you get them an older second-hand car to drive you can significantly decrease the expenditure.

Keeping the car parked and housed out of high crime areas will lessen the risk of vandalism and help meet the requirements for lower pricing on car insurance as well. Teenagers need to be responsible. Stay away from excessive speeding tickets, and getting caught with alcohol will have positive effects on their car insurance rates.

Progressive Insurance

Progressive offers a select your price choice for their customers including teenagers. They also provide the power to do various price comparisons,and good driver and student discounts.

Allstate Insurance

All state has been around for a long time and present cheap car insurance for teenagers. They have special offers as well as safe driver discounts, getting decent grades in school, and maintaining a spotless driving record.

State Farm Insurance

State Farm Insurance is one of the oldest companies available and ought to always be on the search list when it comes to looking for cheap vehicle insurance for teenagers. They present many special programs for students, which allow you to get the most out of your insurance budget.

GEICO Insurance

GEICO is one of those companies that does well with offering cheap automobile insurance for the teenager group. Many programs are offered to the under 25 group together with respectable driving records, and grades while in school.