PersFinance

Trust is critical when personal dollars and dreams are at stake.
Some errors teach lessons; others cause ruin. Today's
ever-growing field of financial planners and resources makes
being simple and sure all the more important.

Saving & Investing
- Fixed income
Bonds, repos, other
CD, drafts, BAs, other
- Stock evaluation:
Small v. large cap
Industry sectors
Portfolio impact
Dividend
- Aternative assets
- Diversification
- Funds, Fund of funds
- Retirement planning
- College savings
- Car financing; lease v. buy
- Homeownership savings
- Evaluating mortgages
Interest only
Reverse mortgages
HELOCs
Fixed v. ARM analyses
Builder completion
Subprime, PMI-based

Tax Planning
- Personal tax preparation
- Personal tax advice
- For small business owners
- Non-traditional families
- Audit risk assessment
- International personal
taxes for expatriates
- Multi-state taxes
- Investments in non-tax
jurisdictions
- Tax deductions through
small business
- Tax efficient savings &
investing for family stages
- Tax efficient wills
- Tax efficient business
succession planning
- Asset transfers, gifts
- Surviving an IRS audit
- CPAs v. tax preparers and
investment advisors
- H&R Block v. others

Debt Management
- Managing debt:
Credit card
Home mortgage, HELOC
Auto
School
Retail, independent
- Evaluating credit cards
- Working with collection
agencies
- Negotiating with credit
card debt collectors
- Evaluating debt
consolidation programs
- Christian debt
consolidation programs
- Home mortgage default
- Avoiding common mistakes
- Protecting assets; personal
ring fencing
- Prohibited asset sales
- Chapter 13 bankruptcy
- Credit counseling services