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Welcome to our blog. Here you can find views on the financial world and keep updated on the latest news.

IS YOUR GIVING GOING WHERE YOU THINK IT IS?

IS YOUR GIVING GOING WHERE YOU THINK IT IS?

Is Your Giving Going Where You Think It Is?

One of the greatest feelings comes from being able to give to others.  You want to make sure that as many dollars of your donation as possible actually reach the people in need that you are trying to help.  A few minutes of research can make sure your donation makes a strong impact.

QUESTIONS TO ASK ABOUT A CHARITY

Is the charity making the most of the money you donate? - While most charities have the greatest of intentions, not all charities are as careful with their operating expenses as one might like.   A rule of thumb is to look for at least 75% of funds to be directed to programs.  A high percentage of giving can be seen at a charity like Donors Choose, a charity that allows individuals to fund specific project requests from teachers in U.S. public schools, which directs 94.7% of all donations directly to the projects.

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The Devil Is In The Details

The Devil Is In The Details

Several years ago I received a call from an acquaintance. They had a financial plan done by one of those salespeople dressed like a financial planner. This friend had sold them an annuity several years prior, and he said, “I can even do a financial plan for you at no charge.” They took him up on the offer and the plan showed they could retire in a couple of years. But they felt uncertain and the planner simply said, “trust me it will all work out,” without reviewing any of the assumptions in the plan. They just weren’t certain they would have the abundance they were hoping for.

They were very uncomfortable. It seemed too good to be true. They had this gnawing feeling that something wasn’t right. They were not certain they could retire without running out of money down the road. They wrestled with that thought for a few months and then gave me a call. They knew I was a Certified Financial Planner® practitioner and since they were struggling with this “everything will be ok financial plan” they decided to ask me for a second opinion.

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Securities offered through Royal Alliance Associates, Inc., member FINRA/SIPC. Insurance and investment advisory services offered through Phase 3 Advisory Services Ltd., a registered investment advisor not affiliated with Royal Alliance.

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