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Three Simple Ways In Which William Bevins CFP® Can Help

Creating wealth over a lifetime is a life goal shared by many. Once wealth is achieved, protecting it from risk and managing it for many years to come can be complicated. For many, seeking a competent professional dedicated to helping others is a viable solution. Experienced financial advisors can help you attain your wealth management Columbia Tn goals. A CERTIFIED FINANCIAL PLANNER™ has the right skills to understand your goals. They can suggest personalized plans that align with your financial circumstances.

For financial and wealth management services, contact William Bevins CFP®. He has years of experience and has devoted his career to helping others. His advice is sensible and easy to follow regardless of your knowledge of taxes, estate planning or investing. Contact William Bevins for your wealth management Brentwood TN needs. 

William Bevins can help with wealth management in three simple ways:

1. Turning income into savings: Most people have a single source of income, i.e., their job. In these situations, people need to manage their income well so they have money left over for savings. Understanding where your paycheck goes will help you prioritize and ultimately save money month to month, year to year. William Bevins can help devise a plan to review your expenses and help make recommendations that improve your cash flow.

2. Diversifying investments: Living off of a single source of income has become challenging over time. Living expenses have ballooned over the past few years. The need for a second income source is more important now than ever before, especially for retirees. William Bevins can help make your savings work for you. He can recommend suitable ideas to help you secure a passive source of income using your current savings.

3. Retirement plan: People work hard to secure their future. They also need a hardworking Columbia retirement plan that keeps up with inflation and builds wealth over the years. With help from William Bevins, you can plan your retirement well into your golden years.

For more information, visit https://williambevins.com/

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401(k) Rollover Options When Changing Jobs

Changing jobs is a large step for many individuals during the course of their career; and changing employers happens more often than many realize. A recent study found just over 20% of US workers change jobs annually and it’s estimated that just over 40% of the US workforce will change employers at least one time within a four year period. 

Although employment transition can be challenging, it’s important to not lose sight of your 401(k) rollover options and your eligibility to move these retirement funds to a rollover IRA.

What is a 401(k) rollover?

A 401(k) rollover is when you move retirement funds from an employer sponsored retirement plan to an individual retirement account (IRA).

What are your 401(k) rollover options?

Leave your current 401(k) account where it is currently held - allowing your retirement funds to remain with your prior employer while being subject to the plan’s rules, fees, and limitations. 

Roll your 401(k) account to your current employer's 401(k) account - If your new employer offers a 401(k) your retirement funds could be transferred and will be subject to that plan’s rules, fees, and limitations.

Cash out your 401(k) - This option allows you to take possession of your retirement funds in the form of cash, triggering a taxable event for the balance of your account. Generally, this is not advisable in most cases.

Roll your 401(k) to an Individual Retirement Account - This option allows retirement funds to stay invested on a tax-deferred basis while offering many more investment options to choose from.

Advantages of Rolling Over Your 401(k) to an IRA:

Reduced Fees Within IRAs:

401(k)s generally are more costly to maintain than IRAs. A typical 401(k) requires fees for record keeping, accounting, day to day operations, plus, legal and trust services. Investments within a 401(k) tend to be more expensive on average as well. 

IRAs are used in lieu of 401(k)s after separation of service because they quite often omit these type fees. 

More Investment Options:

Gaining access to a greater number of investment options is a legitimate reason to choose an IRA over an employer provided 401(k). When funds are transferred, an IRA account holder can choose from 1000s of equity and bond offerings and a large number of exchange traded funds (ETFs) to invest in. Most of these investment options have little to no fees associated.  Having a large number of investment options helps the account holder with diversification and allocation - two keys for successful investing.

Frequently Asked Questions:

How to Rollover your 401(k) to an IRA?

To rollover your 401(k) to an IRA, make sure you have an open IRA account. Once it’s open you need to notify your employer that you want to roll your 401(k) account to the IRA. Just make sure the check issued from the 401(k) account is made out to the IRA’s custodian (Brokerage Firm). This is known as a trustee to trustee transfer and will avoid a mandatory 20% tax withholding. 

Once the transfer takes place you will have the flexibility to invest/manage the account based on your individual risk tolerance, suitability, and time horizon.

What’s a Rollover in a 401(k)?

A 401(k) rollover is when retirement funds are moved from one qualified retirement plan to another. For example, a 401(k) to a Rollover IRA. However, there are many different types of retirement accounts that are eligible to rollover to an individual retirement account.

Is it Worth Rolling Over a 401(k)?

For many individuals with a 401(k) account, rolling to an IRA account makes sense. An individual retirement account (IRA) generally has lower fees, greater investment choices, and often, more flexible rules.

Does it cost money to Rollover a 401(k)?

A 401(k) to IRA rollover does not cost any money. Your retirement money will also preserve its tax-deferred status.

Take the Next Step

If you have more questions or would like to discuss this retirement savings technique further, contact me by email or directly 615-469-7348.

About William Bevins: William Bevins is a CERTIFIED FINANCIAL PLANNER. His training includes the areas of tax, insurance, and estate planning. His planning is designed to help professionals achieve their financial goals through retirement planning, smart investing, reducing taxes, and maximizing their money.

For more information, please reach out via email billbevins@cypresscapital.com or visit my website for help. Follow on Facebook.

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Manage Your Wealth with Assistance from William Bevins

You work hard every day to earn the money you deserve. Not focusing on wealth management is a mistake that many people make. However, individuals can overcome the effects of these mistakes with the help of a professional fiduciary money manager. A money manager can help you with solutions that benefit your financial circumstances.

If you need wealth management services, contact William Bevins. For years, he has managed the personal wealth of individuals. Wealth management includes budgeting income and expenses, portfolio creation, and ongoing portfolio risk management. William Bevins aims to build a sensible plan that works for each client based on needs. So, if you are interested in wealth management Nashville consider contacting William Bevins. Here are some reasons why:

1. Personal attention: An individual's financial status differs from person to person. Everyone wants financial stability in their life. William Bevins understands the importance of each individual’s needs and forms a solid strategy to attain their financial goals. 

2. Transparent investments: With the help of William Bevins, clients have investments built around a predetermined risk profile. Clients can follow their investments in real time from a home computer or smartphone. Client accounts are accessible anytime online. 

3. No hidden fees and commissions: William Bevins serves as a fee-only fiduciary financial advisor. His fee structure is simple and transparent. William’s sole compensation comes from his clients, removing conflicts of interests or outside bias. William doesn’t sell investment products, so there are no commissions. 

William Bevins is a CERTIFIED FINANCIAL PLANNER. His training includes the areas of tax, insurance, and estate planning. 

For more information, visit https://williambevins.com/

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Components of Financial Planning that Need Your Attention

Wealth management is a critical aspect of reaching retirement. Financial planning should start as soon as an individual begins their working career. Starting to think about your financial future at an early age is wise. In addition to starting early, the second key is to work with an efficient financial advisor Murfreesboro TN. There are a few components of financial planning that require attention and a CERTIFIED FINANCIAL PLANNER™ will help you manage these areas. The components are:

Investment Planning: A financial planner will help build an investment portfolio that meets your risk profile within your retirement time frame. They have the tools to guide you in the right direction.

Cash Flow Management: Once retired, setting a realistic budget will allow your built up savings to last for the necessary period of time identified within your plan.

Retirement Planning: Upon retirement, a financial planner will review your investments and determine the correct asset mix to meet your cash flow goals and adjust portfolio risk if necessary.

Receiving financial planning help from an experienced financial planner can help you become more comfortable with your financial path. Have you been looking for a financial advisor who can help, but cannot decide who to choose?  Consider William Bevins, CFP®.

As an experienced retirement planner in College Grove TN, he understands the financial planning process. William will write a comprehensive financial plan and make un-biased recommendations.

Once your plan is written he will help select suitable investment recommendations that will help you reach your retirement goals. The financial services he offers include financial planning, wealth management, retirement planning, employer retirement plans, etc. So, make sure to visit his website for further details!

About William Bevins:

William Bevins is a CFP® and fiduciary financial planner College Grove.

For more information, visit https://williambevins.com/

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Don’t Know How To Start Financial Planning? Follow These Simple Steps

Many individuals think financial planning begins with investing in the stock market. Like many other things in life, starting with a solid foundation provides an important platform to build upon. One's financial condition can be the most powerful influence on our mental and physical well-being these days. To help, it’s best to start financial planning with an experienced advisor. As a general rule, starting as early as possible will help produce more positive outcomes. 

In this article, we will provide you with a few steps to begin a successful financial planning journey. We will also talk about the benefits of consulting a fiduciary financial planner to manage your finances. 

1. Monthly expenses: There is no better starting point with financial planning than with your household budget. For some, it's a good idea to begin tracking where your money goes. Create a monthly log to track your expenses. After a few months, decide which expenses can be eliminated to help increase monthly cash flow. 

2. Build a strong credit score: Start monitoring your credit score. Credit scores determine the rate in which you will pay for mortgages or credit cards. Carrying a high credit balance will reduce your score making future credit more expensive. 

3. Clear your debts: Debt can be a burden and also be a source of stress. If you have debts from several different creditors, consider debt consolidation. 

4. Protect yourself: Don’t ignore things like life and health insurance or auto and home insurance. Unplanned illness or accidents can ruin years of planning without notice. So, protect yourself from surprises. 

5. Consult an experienced financial advisor: Proper investing and wealth management techniques aren’t learned in a short amount of time. It takes years of practice and hard work. Consult a professional with years of training and commitment to their clients.

If you are looking for a Spring Hill financial advisor, consider William Bevins, CFP®. He is a well trained financial advisor who puts client’s needs first. He serves as a fiduciary, so rest assured that his recommendations are unbiased. William Bevins works with individuals, from millennials to retirees. Contact him to learn more.

About William Bevins:  

William Bevins is an experienced advisor for financial planning and Spring Hill wealth management.  For more information, visit https://williambevins.com

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Financial Advice For The Millennial Generation

Starting a career can be a fun time for millennials. A new job, career, and a steady income is something to celebrate. Knowing how to manage this new income can be overwhelming in today’s time. 

Creating a household budget, accounting for monthly expenses or even paying for taxes can be complicated. When money is left over, some can be set aside for the future. Investing even becomes a possibility. 

Here are a couple of ideas to begin the process. For more ideas and to learn how to get on track consult a financial advisor Nashville TN. 

    •To begin, millennials who have just begun working need to start thinking about their financial future from the ground up. Make a log of where your money goes each month. Keeping track of spending will help identify what money is being spent wisely and what spending can be eliminated, helping your ability to save. Once your budget is set and there is a little left over, consider putting some away for a rainy day. 

 Most financial professionals recommend having three to six months worth of savings put away for emergencies. Don’t forget about investing. An IRA or 401(k) would likely be something to establish at an early age. Asking an experienced financial advisor for help would be advisable. 

    •In addition to spending and investing, individuals should focus on protecting other aspects of their lives as well. Using insurance to protect against liability risk should be considered. Insurance can be acquired to protect your ability to earn a living using disability insurance. Possessing a will can also be an important part of family planning.

    As a millennial, it’s never too early to begin thinking about these planning techniques.

If you want to know a Nashville financial planner who specializes in providing financial education to young adults, contact William Bevins. He began his professional career in 1996. William Bevins is a professional financial adviser who has dealt with a variety of scenarios. His expertise and understanding are two reasons why people seek his advice. Furthermore, he assists customers in developing customized financial strategies that are tailored to their needs. If you want to know more about him and his strategies for millennials, make sure to check out his website.

About William Bevins:

William Bevins is a fiduciary money manager and investment advisor who can help you with wealth management.

For more information, visit https://williambevins.com/

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Achieve Your Goals With The Help Of Financial Planning

Millennials are well educated, rising professionals. They are very specific about the goals they want to achieve and the assets they want to acquire. Building wealth is the cornerstone to acquiring assets over a lifetime. Building a plan to achieve wealth is the starting point no matter what your age. To achieve short and long term financial goals, you might consider getting assistance from one of many Nashville financial advisors. Here are some goals you can achieve with the help of proper financial planning:

• Early retirement: Many of us dream of retiring early from our jobs and doing things we love. A financial advisor helps you come up with strategies that fall in line with your goals. By planning early and structuring investment strategies according to your needs, it’s possible to achieve an early retirement.

• Starting your own business: Do you plan on doing something that goes well beyond your 9-5 job? A financial advisor can help you achieve your goals using sensible, investment strategies and offering sound financial advice.

There are many other exciting goals you can achieve with the help of proficient, financial planning. An experienced financial advisor can help get you there.

Make sure to check out William Bevins CFP® CTFA. He is a financial advisor for millennials. He can help you with a financial plan that meets your standards. One thing you must know is that setting goals plays a big role in what you want to achieve. William Bevins can help you with everything from risk management to estate planning. William can also help you pick suitable investment options with diversifying your portfolio. William believes everyone can achieve their wealth goals with sound, investing discipline and periodic, retirement contributions over time. So, make sure to check out his website.

About William Bevins:

William Bevins is one of the most proficient financial advisors for millennials.

For more information, visit https://williambevins.com/

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How A Fiduciary Financial Advisor Can Help

fiduciary financial advisor can help

Selecting someone to discuss your financial situation can be intimidating. After all, who wants to discuss your savings habits and investment knowledge with a stranger? 

If you feel this way, a fiduciary financial advisor can help. What is a fiduciary you may ask? A fiduciary financial advisor is a professional who has taken an oath to work within a clients best interest at all times. Most fiduciaries are a fee-only financial advisor and are only compensated by their clients. The advice given by a fiduciary is unbiased and tailored for each client's benefit.  

For those still on the fence, here are a few reasons to retain a fiduciary financial planner.

    1. Planning major money moves: You may be planning to purchase a home, going to college, or saving money for retirement. These things are easier to achieve with proper planning. Your fiduciary financial advisor will help you plan for them efficiently.

    2. Deciding your financial goal: Sometimes we feel stuck in life and are unsure what our next financial step should be. This can be because of several reasons. A fiduciary financial advisor can help by analyzing your current financial situation and to help build for your future financial decisions.

    3. Navigating through financial emergencies: Let's be honest, all of us face financial emergencies at some time or another. An experienced advisor can help you navigate this situation by providing you with support and guidance.

If you are wondering who might be a helpful professional to speak with, consider William Bevins, a financial advisor Murfreesboro. He is an experienced professional who can provide you with un-biased advice. William can help you achieve your financial goals by offering sensible advice that meets your needs. Before providing any advice, he will make sure to analyze your financial condition and ensure that your goals align properly.

About William Bevins:

William Bevins is a CFP® professional who can help you with wealth management Nashville.

For more information, visit https://williambevins.com/

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How to Plan for Retirement

William Bevins, a CERTIFIED FINANCIAL PLANNER in the metro Nashville area, believes it is never too early to plan for retirement. Retirement planning should begin with identifying your most important goals. This way the plan is individualized, focusing on what’s most important. A well written Columbia retirement plan includes these 3 elements. 

1. Investments: A great investment strategy begins with identifying a client’s risk tolerance. Without properly identifying the amount of risk someone is willing to take, many investors will become overly frustrated in times of market volatility. A diversified portfolio is also a major part of constructing a well rounded retirement plan.

2. Personal Expenses: Within retirement, managing expenses are just as important as the plan’s investment returns. The old saying – a penny saved is a penny earned – applies here. It’s very important for budgeting to be in place to stay within monthly and annual spending limits.

3. Taxation: Taxation post retirement is very important. At this stage of life, what’s important is not what you earn but what you keep after taxes. A well planned investment portfolio can help with taxation at this stage in life.

William Bevins is an experienced financial planner Brentwood TN. If you are looking for financial advice, contact William Bevins.

About William Bevins:

William Bevins is a CERTIFIED FINANCIAL PLANNER™ focused on wealth management Brentwood TN. Contact William Bevins to plan your future and discuss your goals.

For more information, visit https://williambevins.com/

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William Bevins: Assisting Individuals With Financial Planning

William Bevins is a fiduciary financial planner in the metro Nashville, TN area. Financial planning is a starting point for many individuals seeking financial independence. A great plan begins with identifying client goals and objectives. Once these are prioritized, William can begin putting a plan in place. 

It is never too early to plan for the future. The earlier an individual can begin saving for retirement will improve their chances of reaching retirement goals. Thoughtful wealth management is also an important aspect of obtaining the assets required to retire. For help with wealth management Lebanon, consider an experienced financial planner.

He is a CERTIFIED FINANCIAL Planner™ with years of experience in the financial industry. He helps individuals navigate various aspects of financial planning. Here are a few areas where he can help:

Personalized Services:Financial and investment planning is not one-size-fits-all. Everyone has different viewpoints and goals. A personalized plan is necessary for effective planning. William also helps you with personalized portfolios based on your risk profile.

Efficient Strategies:William helps you with a diversified portfolio of investments. That helps your money grow efficiently. Identifying a suitable risk profile is very important as well.

Working with Your Best Interests:William Bevins serves his clients as a fiduciary. He makes suggestions that solely reflect your best interests.

Unbiased advice and transparency are the cornerstones of his practice. So, the Fairview financial services he offers are customizable to individuals young or old. He helps you make informed financial decisions by helping you understand various aspects of financial planning. He guides you with the steps that you can take to make your financial foundation stronger. With proper planning, you can secure your future and enjoy what lies ahead.

William Bevins assists people in achieving their fiinancial goals by helping them strategize for the years to come. He also helps people save money by budgeting for expenses. His financial services include financial planning, wealth management, retirement planning, and more. Check out William Bevins for wealth management Murfreesboro.

About William Bevins:

William Bevins is an experienced financial planner Nashville.

For more information, visithttps://williambevins.com/

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Consult William Bevins for Financial Advice

William Bevins is among Nashville financial advisors who help clients reach their retirement goals and has a willingness to serve as a fiduciary financial planner. William believes the only way to offer thoughtful and effective financial planning is to work one on one with clients, learning their objectives and retirement goals. No two clients are the same when it comes to financial planning. Because of their differing economic standings, individuals have varying risk tolerances, time horizons, and investing experience. William takes an individualized approach when creating financial plans for his valued clients.

Here are a few reasons to consider William Bevins as a financial advisor Lebanon TN:

● He provides personalized service to build individualized portfolios for his clients.

● His fee structure is transparent, with no hidden fees and does not charge commissions. He is paid solely by his clients to remove any outside influence.

● His clients receive updated monthly statements to keep them up-to-date on their financial wellbeing.

William Bevins is an experienced financial advisor in wealth management Lebanon. His mission is to deliver a warm and personalized service for his clients and he strives to create a long-term relationship with them. Reach out to William if you are interested in working with a CERTIFIED FINANCIAL PLANNER™.

About William Bevins:

William Bevins is an experienced financial planner Nashville.

For more information, visit https://williambevins.com/

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