Looking for a few suggestions. What I would really like to do is sit down and talk with a Financial Advisor who isn't trying to convince me to move all my assets to his company. I have things spread all over the place and I would appreciate someone to look at my current holdings and help align them. I just feel my money could be working better for me. I am willing to make a change but I don't want that to be the focus of the meeting if it is not necessary to accomplish my goals.

Will all of these guys work for an Edward Jones, Ameritrade type company? I am more than willing to pay an appropriate fee. Just need a little direction.

Get a Certified Financial Planner. They have fiduciary responsibility to you, not their firm.

Z&D Investments is all you need to know. They tripled my annual earnings in 8 weeks.

This is the right answer for what you are looking for.

I get 12-20% from Jan Lewan.

Don't get married or have children. Best financial advice I can give.

You can marry, just don't have kids.

I rolled all my plans into a single self directed IRA account with Fidelity. Lot of options to invest in and stock trades are $4.95.

I rolled my company 401k into an IRA with Vanguard. Put it all in a balanced index fund specific to retirement. Low fees. Low maintenance. If I feel like I need advice, Vanguard can provide me with direction. I�m comfortable with my decision.

Wisdom, let�s not run those numbers on how much more wives cost than just visiting a professional from time to time.. lol

My wife and I both got above 19% in our 401k's. Been an awesome year.

I highly recommend TIAA/CREF. Nonprofit set up by Andrew Carnegie for college professors. However, there is now a side that the general public can get in. Lowest fees in the industry and always free advice. They are one of the good guys out there as Scott Burns once said in his Dallas Morning News articles.

Sounds like you�re looking for a fee only advisor with a CFP. Realize a good one does not work cheap. You can find one using the CFP website.

Eli Dragon if you're in the Dallas area.

I don�t know. I like Zeke and Derek, but not enough to invest with them.

Zeke? We don't need no legal eagle. Zach and Derek returns what you might call dollar bills yo. We call them fun coupons.

Bitcoin

How much do you think you will need when you retire? Some people might be happy with $60k a year while others might want $100k or more. It just depends on what kind of lifestyle you want to have once you're retired. Once you have your magic number, look at all of your retirement stuff to see how much longer you will have to work to make it happen. I found a few articles on the internet that say you need about 70% of what you currently make to live the same way you're living now once you retire. You can go to social security website and plug in your numbers to get an estimate of what you will make. 401k draw-out is usually 3-4% a year.

I work with a manager that has $1 million in his 401k. His wife doesn't work. He would be happy if he made $60-80k a year once he retires. His S.S. will be about $2k a month, pension $2k a month, and if he draws 3% from 401k (@1.25million) $3,125 a month. That would come to $85,500 a year. So he is right where he needs to be. He has his 401k invested kind of safe because he's 60 and can't afford to take a hit if the stock market goes down. He plans to work a couple more years until his 401k hits at least $1.25mil.

I am younger then him and my goal is much different. Me and my wife both work. I plan to work another 8-10 years. I told my wife we need to make at least $100k a year in retirement to live like we are now. I don't have as much as the other manager has but I'm gaining on him quickly. I have mine in a much more aggressive fund. I made a 25% return last year and I'm already at close to 6% this year. He made 16% which is pretty good for playing it safe. I have S.S., 401k, pension, and my wife has teachers retirement, and 403b, we were going to be a little over our goal if things keep going like they are right now. I don't want to be a little over, I want to be well over our goal. A couple of years ago we started investing in real estate and I opened a Roth and I max it out each year as well. We put away half of our gross income into retirement accounts or savings for real estate purchases. We started doing the Roth and real estate because I felt we needed another way to make passive income when we're retired. I didn't want to put all of my eggs in one basket (401k) so to speak. So if the stock market goes down we can still count on rental income.

Unless you are retired or have a ton of time to learn to invest and play the buy sell game, then pay a good advisor with a good record. It takes money to make money. I focus on making money and my financial consultant focuses on making more money through Investments. So far so good.

Move everything into deep discount index funds. This is the investment advice you'd get from Warren Buffett and most of the folks who have really done the math. The best money managers in the world can't consistently beat a cheap index fund. The odds your run of the mill financial planner beats a deep discount index fund over a 10 year period is essentially zero. What they will wind up doing is charging you a fee and then putting you in expensive under-performing mutual funds.

I personally use Vanguard, but there are several top notch options out there. The bottom line is if you are paying more than .5% annually to invest you are getting ripped off. As a comparison, last I looked, Edward and Jones charges 5.75% for every dollar invested plus management fees. A lot of my Vanguard funds get invested for free and then have annual management fees of less than .15%. That is 15 cents for every $100 invested compared to $5.75+ in Edward and Jones. Plus the vanguard funds have much better returns on average.

I�ve already invested in Zach, but I don�t want to say too much.

Edward Jones is a massive rip off. And their brokers are arse hats. It's the hr block of the investment world. You pay large fees and have morons advising you. Start digging around and asking about their fees and you will quickly transfer your accounts elsewhere.

Don't pay so much attention to the company name. Look into the advisor that you want to work with. Most financial advisors make money when you make money. The better job they do of making you money, the more money they make.

Yes, there are annual fees, etc. But if you have a good advisor, these will seem minimal in the long run.

Sure you can marry, just don't get a divorce.

If I had 1.25 million and was retirement age I think i would buy some rental property instead of leaving it the 401k drawing $3k a month. If you were to buy 10 $100,000 homes and charge $1000 a month you would be way better off. Even after paying a property management company if that's what you wanted to do. I am still young and dumb so I don't know chit, but it seems like a good idea

100,000 homes are hard to find outside of ghetto now. I own some rentals, it's ok but not all it's cracked up to be. I was just thinking the other day if I still want to have these when I'm older.

Appreciate all the input. Fairly young, 36, and aggressive. Steady sales job, and currently have 30 rental properties. Wife has a job with a great retirement through the USPS but other than that I have to make my own retirement. Currently have 200k in ira, roth, Sep, and individual stocks. Just feel I could manage them better with some sound guidance. I want to be aggressive but not reckless either. Most are just extremely conservative. I do like to trade on my own at times.

Sounds like I should consult a CFP for fee.

No one can be sure about how much money will be needed in future but still it is quite important that you start saving at time of need you when you need financial help. I will be starting with personal financial planning and have been learning things online which is helping me a lot.

[ I made a 25% return last year and I'm already at close to 6% this year.

In 2018 the S&P 500 was negative 4.4% and most international markets were worse. So which 401(k) funds produced a 25% return for you?

Become a Jehovah's Witness - will save you money on gifts for events that they don't believe in. No birthday, Christmas, or Valentines gifts. It's a start!

JR

Do you know Steve Holmes?

This is a pretty good read on how people have become millionaires.

I often think about doing some rentals properties. Each time though, I have sobered up by the next morning.

I have had rental properties, Just depends on who is renting them.

Hassle factor can be huge or non existent.

My renters called when they had a mouse. They called when the trap you set caught a mouse.

If you had bought Pier One Imports on January 2nd you could have tripled your money this week!