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This is a piece I had in my newsletter back in 2011 which details how we help clients manage their cash flow. Here is an updated version.
Often the most neglected, yet most important aspects of our financial lives concerns managing cash flow. We help our clients build a plan that enables then to discover what is a financially sustainable lifestyle for them. Any business advisor will tell you understanding your current cash coming into and out of the business is crucial to success and it’s no different for one’s personal finances. As part of any financial plan we put together for our clients, analyzing cash flow enables us to produce many specific recommendations. Here are some of the issues we help clients address.
Understanding and managing your cash flow is probably the most important aspects of your finances. Higher or lower investment returns pale in comparison of importance.
Don’t trust your search for information to a Google™ robot! The following references and informative links have been previewed and selected personally by Comprehensive Financial Planning, Inc.
NAPFA Personal Finance Blog Information from other fee-only advisors
Kiplinger.com Great personal finance magazine
ConsumerFed.org Consumer Federation of America
Consumer.gov Lots of info on ID theft, do not call registry, etc.
Experian.com Obtain your credit report
ConsumerReports.org Consumer Reports magazine
HSAColorado Health Savings Account providers in Colorado
BankRate.com Rates for CDs, loans, etc.
ICFE.info Lots of info for parents and children, credit repair
SavingForCollege.com 529 college savings plans
EFC Plus Our partner for college planning services
CollegeBoard.com SAT sponsors information
FinAid.com Financial aid for college with calculator to determine aid qualifications
FastWeb.Monster.com Free scholarship database
StudentAid.Ed.gov Apply here for federal aid (don't have to be poor)
Morningstar.com Info on funds and stocks
Finance.Yahoo.com Lots of data on historical prices
NAREIT.com National Association of Real Estate Trusts
PublicDebt.Treas.gov Buy U. S. savings bonds
CFP.net Certified Financial Planner Board
NAFPA.org National Association of Personal Financial Planners
Dora.State.CO.us Colorado State Division of Securities- Check my registration
SEC.gov Securities and Exchange Commission
IRS.gov Internal Revenue Service
SSA.gov Social Security Administration
TaxColorado.com Colorado tax authority
https://www.caring.com/ Best overall senior and caregiver information
Livingto100.com Best life expectancy calculator-try it out
AARP.org American Association of Retired Persons – Anyone over 50 can join
Medicare.gov Find out about benefits and your eligibility
Money Saving tips for Seniors All kids of information on saving money.
BenefitsCheckup.org Information on government programs to help seniors
COBar.org Colorado Bar Association: Info on estate planning, probate costs in Colorado
AgingLifecare.org Find a caregiver at the National Association of Geriatric Care Managers
CaseyLynchCPA.com Casey Lynch, CPA for individuals, business owners and non-profits
ryan-insurance.net John Ryan offers Life, disability and Long-term Care Insurance.