Nrhiav rau tus kws npaj nyiaj txiag uas ua haujlwm rau tus nqi tsev? Nov yog qee cov lus qhia txog yuav ua li cas.
Getty Dluab
Lus Nug: Kuv tau ua ntau txoj kev tshawb fawb kom nrhiav tau ib tug fiduciary, tab sis cov kab hauv qab yog kuv tseem tsis tau nrhiav ib tus kws pab tswv yim, tsis yog nws tus kheej lossis tuam txhab, leej twg yuav muab tswv yim rau koj tus nqi vaj tse. Lawv txhua tus cog lus tias yuav pab koj thaum koj tham nrog lawv tab sis thaum nws los txog qhov kuv xav tau tiag tiag, lawv rov tsis quav ntsej thiab tsuas yog xav tswj hwm thiab nqis peev koj cov nyiaj rau koj.
Kuv muaj ob 401K nyiaj, Roth nyiaj, se se, nrog rau kev lag luam ntiag tug kev nqis peev. Txhua yam kuv xav tau yog ib tus neeg los saib xyuas txhua yam kuv muaj thiab ua txhua yam kom muaj kev sib txawv thiab kev nqis peev uas kuv tuaj yeem ua rau kuv tus kheej. Tus neeg no yuav coj tag nrho lawv cov kev paub dhau los thiab kev nkag siab ntawm cov se, tsis them se, ncua nyiaj / khoom vaj khoom tsev nrog rau lwm hom kev nqis peev los muab kuv faib zoo tshaj plaws ib yam li lawv tag nrho ib tus account. Koj pab tau? (Cov neeg nyeem, koj tuaj yeem siv cov cuab yeej no kom tau txais kev sib tw nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau ntawm no.)
Puas muaj teeb meem nrog koj tus kws pab tswv yim nyiaj txiag lossis xav ntiav ib tus tshiab? Sau rau [email tiv thaiv].
teb: Koj yeej muaj tseeb txog qhov nyuaj npaum li cas los nrhiav tus kws pab tswv yim nyiaj txiag zoo. Raws li Grace Yung, tus kws tshaj lij nyiaj txiag tau lees paub thiab tus kws pab tswv yim nyiaj txiag ntawm Midtown Financial Group, sau tseg: nrhiav tus kws pab tswv yim nyiaj txiag zoo zoo li nrhiav tus kws kho mob zoo - tsis yog koj yuav tsum tau nyem rau ntawm lawv tus kheej, tab sis koj kuj xav tau ib tus neeg uas yog tsim nyog nyob rau hauv lawv cov khoom siv tes ua, nkag siab qhov koj xav tau thiab sib txuas lus ntawm tib theem li koj.
Nyob rau hauv koj cov ntaub ntawv, koj muaj ib tug ntxiv theem ntawm complexity saum toj no, raws li nws kuj yog ib qho kev sib tw mus nrhiav ib tug kws pab tswv yim uas ua hauj lwm rau ib teev, es tsis them, hais, ib feem pua ntawm koj cov cuab tam nyob rau hauv kev tswj. Ib qhov chaw pib yog Garrett Planning Network, hais tias Greg McBride, tus kws tshuaj ntsuam nyiaj txiag ntawm Bankrate. McBride hais tias "Lawv tuaj yeem taw qhia koj mus rau qhov raug kom nrhiav tau tus neeg saib xyuas uas yuav them koj tus nqi ib teev rau kev sib tham ib zaug," McBride hais.
Nws tseem tuaj yeem pab kom nkag siab tias kev npaj nyiaj txiag yuav ua haujlwm li cas. Yung taw qhia tias feem ntau, muaj ntau qhov chaw rau kev koom tes nrog kev npaj nyiaj txiag: kev npaj nyiaj txiag, kev siv thiab kev saib xyuas tsis tu ncua. "Muaj ntau tus kws tshaj lij CFP ua tag nrho cov saum toj no tab sis nws zoo li koj tsuas yog txaus siab rau qhov kev npaj nyiaj txiag. Muaj CFPs uas tuaj yeem ntiav ib teev lossis tus nqi ncaj ncees los ua ib txoj kev npaj nyiaj txiag, "Yung hais. Nyob ntawm qhov nyuaj, Yung hais tias cov no tuaj yeem raug nqi nruab nrab ntawm $ 3,000 txog $ 6,000. "Qhov laj thawj rau qhov no yog tias nws tuaj yeem siv sijhawm tsawg kawg 10 teev los tsim ib txoj kev npaj tsim nyog. Cov phiaj xwm tsim tawm ntawm qib ntawd feem ntau yog pib nrog kev pom zoo kev koom tes thiab yuav tsum suav nrog cov duab hauv qab, kev faib khoom vaj khoom tsev tag nrho, cov xwm txheej nrog cov lus pom zoo thiab cov kauj ruam ua nrog sau cov ntsiab lus, "Yung hais. Raws li cov lus pom zoo tshwj xeeb ntawm kev nqis peev ntawm cov tswv yim, Yung hais tias lawv feem ntau ua tiav nyias. (Cov neeg nyeem, koj tuaj yeem siv cov cuab yeej no kom tau txais kev sib tw nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau ntawm no.)
Thaum koj tau txheeb xyuas ob peb tus neeg uas zoo li qhov haum, xam phaj lawv kom paub tseeb tias lawv yog tus nqi tiag tiag. "Qee lub tuam txhab tau them tus nqi qis xws li tus neeg tuav pov hwm rau cov lus qhia tsis tu ncua thiab lwm tus yuav muab cov nqi them txhua teev ntawm cov nqi ua haujlwm. Cov lus qhia txog nyiaj txiag tau hloov pauv raws li cov kws pab tswv yim ntau nrog cov txheej txheem niaj hnub los npaj nkag mus rau hauv thaj chaw. Nws yog qhov kev hloov pauv qeeb tab sis nws yog ib qho uas yuav hloov pauv tus kws pab tswv yim-centric cov khoom muaj nqis-hauv-tus qauv kev tswj hwm yav dhau los thiab hloov peb mus rau tus qauv siv tiag tiag ntawm lub neej yav tom ntej, "hais tias Brent Weiss, co-founder ntawm tus nqi them nyiaj. Kev npaj lub tuam txhab Facet Wealth.
Tau qhov twg los: https://www.marketwatch.com/picks/they-all-promise-to-help-but-no-financial-adviser-seems-to-offer-what-i-need-i-have-two- 401ks-roth-accounts-and-real-estate-and-want-a-one-time-plan-for-managing-my-money-myself-can-you-help-01646064107?siteid=yhoof2&yptr=yahoo