Welcome to our blog page here at Guardian Financial Group! We understand how difficult it can be to set up your own financial plan and because of that, many people put saving for their future on the back burner. Don’t wait until it’s too late to start saving for your future; talk to one of our amazing planners today. Our expert financial planners absolutely love helping the good people of Centerville and the surrounding areas. We are staying busier than ever giving financial advice, setting up retirement plans, helping with educational funding, and so much more! No matter the reason for needing a financial advisor, we’re here to help you out. Reach out to us at Guardian today!

If you’ve always had a savings account, you’ve been planning for your retirement ever since you got out of college, and you’ve got a great start planning for your financial future, then you’re far better off than most Americans. As it would turn out, most people who have money saved up for retirement have less than $1000 and staggeringly, half of all American adults have absolutely nothing saved for their golden years. And even if we’re only talking about a savings account, one-third of all Americans have only a few hundred dollars in savings, and another third have nothing at all in this type of account.

Many of us wouldn’t create a financial plan on our own, wouldn’t start saving for the future without the right guidance and accountability, and wouldn’t be proactive about the things that matter if we didn’t have the right advice. For this reason, we believe that every adult should talk to a financial advisor so that they can start taking their future seriously. In today’s blog, we’re going to look at a few of the biggest reasons you need a financial planner.

Help With Your Tax Refund or Inheritance

If you’re like many Americans, you receive a little or a lot of money back when you either come into a large sum of money or it comes time for your yearly tax refund to be deposited into the bank. Since these are times when you could be receiving thousands of dollars in a lump sum, you definitely want to make sure that you’re being smart with your money. Our financial advisors can take a look at your whole financial situation including your spending, earning, and saving potential. Why not get the right advice for what to do with your tax refund?

A Manageable Plan for Saving

We’ve found that some people believe that talking to a financial planner means that you’ll have someone babysitting your spending, watching your bank account, and keeping you on a tight budget that allows for nothing fun or exciting in your life. However, this simply isn’t the case. Our goal is to work with you to come up with a plan for saving that is manageable and easy for you to stay on top of. Most people don’t realize the amount of “extra” money that is thrown away each month on Starbucks drinks, meals out, and silly expenses. These things can add up, and our financial experts would love to explain how easy saving can be! Contact us for more information!

Providing Security for Your Family

Having a healthy savings account in addition to smart choices with life insurance are definitely recommended for any and all American adults. Being smart with your money means not only being able to pay all of your current bills but also being able to stay afloat in the event that something expensive comes up. Even if you don’t have a great savings amount, it’s easy to feel good about your financial position when you’re able to pay your monthly bills. However, if you don’t have a substantial savings account, accidents, injuries, and life-altering events could be enough to completely break you.

Talking to one of our financial advisors can help you realize that you don’t need to put 80% of your income away to put yourself in a safe financial position. It may just start with a few dollars every week. That amount may not seem like much, but it can really add up after a few years time. Talk to our financial advisors to make sure that your family is completely protected.

Contact the Experts

When you look at your savings account or retirement account and you realize that it’s either empty or extremely sparse, this might be a good indicator that it’s time to talk to one of our advisors at Guardian Financial Group. No matter how old or young you are, it’s never too early or too late to start taking your financial future seriously. Contact us today for help with financial planning, retirement planning, education funding, tax planning, insurance analysis, or anything else!