Chartered Financial and Investment Advisors in Louisville Kentucky

The Wealth Builder is an International
Personal and Corporate, Fee-Based Financial Advisory Firm

Services We Offer

We are not affiliated with any Pensions provider, and can help you, in an unbiased manner, to select a pension plan that best suits your individual needs.
Without good life, home and maybe income protection insurance, as unforeseen problems can be very problematic.
A tailored financial plan that suits you specifically, undertaken with care and consideration, will help you to achieve your wealth goals.
We can source mortgages from the myriad offerings on the market, in an unbiased fashion to best suit your circumstances.
Using our sound knowledge of the markets we help make your money work for you with minimum risk, e.g. Regal Assets IRA.
We can help you to write a will that will benefit your loved ones as you wish, with minimal tax implications.
We have sound experience of business management and administration.
The Wealth Builder Club offers a low-cost FX service to both individuals and businesses of all sizes.

7 Crucial Life Events A Financial Planner Can Help You With

More often than not, we meet financial planners who are attached to particular companies. Although they purport to offer good and free advice, they normally have specific products that they tend to push down your throat. What they don’t tell you is that they are actually more of salesmen than advisors. The journey to fruitful financial planning begins with receiving quality advice from an unbiased advisor. This is an advisor who takes time to listen to you, understand your specific goals before offering advice based on prevailing circumstances. While you don’t always need to consult a financial planner on a frequent basis, there are particular situations where you can benefit the most by investing in a financial check-up.

1. The First Time You Are Employed

It doesn’t matter how much or how meager your initial pay is. The moment you land your first job is just the perfect chance for you to grab a few words of advice from a financial planner. Not only can doing this help you enhance your retirement plans, it can help you make the most of your paycheck. Remember, wealth creation is a continuous process. By getting your strategy right from an early stage, you can easily maximize on your potential to achieve momentous growth. And best of all, this can be done as a one-off consultation meaning you may not need to engage with a financial planner for years afterwards.

2. If you are settling down in marriage or if you divorce

Financier losses are a common scenario in both marriages and separations. By seeking the services of a financial planner, it is possible to minimize potential losses especially in divorce situations. Also, engaged couples can find an easier way to combine their income and assets as they settle down in marriage. Bringing in a third-party helps protect you from making emotional mistakes. Besides that, it can help protect you from controversial situations or suggestions which are historically known to deny some people their hard-earned wealth in and out of marriages e.g. controversial pre-nuptials.

3. To manage large sums of money

There is something about receiving large, unexpected sums of money that most people seem to struggle with – and that is ensuring maximum value is derived from every cent earned or received. A past study conducted by the Ohio State University found that majority of people save only 50 per cent of large sums of money received as inheritance. In fact, many are those who end up living in poverty as a result of making a series of ill-informed financial mistakes. Regardless of the amount of one’s windfall, linking up with a financial advisor can help in realization of full value of such opportunities, essentially improving your financial health.

4. For better care to ageing parents

Ageing parents generally prefer to stay in their homes. This means you may have to find a dedicated care-giver to support them. But with the average cost of a carer or health aide being in excess of $45,000, raising such monies and ensuring their proper use requires more than just layman’s knowledge. It is in your best interest to work with a financial planner at all times in order to ensure efficient utilization of such resources.

5. During retirement planning

When time to take a rest from your many years of employment comes, the best way to ensure a comfortable and fruitful lifestyle is to consult with a planner well ahead of the quit date. Most people however, make the mistake of thinking about retirement planning at the very last minute. This makes it extremely difficult to put in place foolproof measures and this can in turn affect the quality of one’s sunset years. The best time to invite in a financial planner in regards to retirement planning is 10 to 15 years in advance. Remember, you are never too young or too old to plan for retirement. In fact, the ideal time to start doing this is immediately you turn 40. By taking stock of your situation in good time, you will have plenty of time to make necessary adjustments and even save more if necessary.

6. When considering passing on your wealth

We are all humans and there comes a time when we have to be separated with our money. This is why it is wise to ponder upon matters of estate planning. In that case, working with a financial planner not only helps you avoid the stress associated with taxes, expenses and beneficiaries. Matters of wealth sharing tend to get emotive and sometimes no matter how well you distribute it there will always be someone complaining. There are also a number of legal hurdles to be fought along the way. As such, trying to handle this entire process alone can leave you susceptible to commonplace mistakes, which can put an entire estate in jeopardy. It is therefore best to work with a skilled planner in order to ensure the best possible outcome from such crucial life decisions.

7. When your wealth grows past the quarter million mark

Visiting a financial planner in Louisville Kentucky the first day you start earning a salary or profit (for those in business) is what is generally recommended. This is usually a one-off visit, which means most people tend to forget about the crucial role played by an expert in improving the quality of decisions made. Consultations are particularly important when one’s wealth exceeds the $250,000 mark. Industry trends show that once people clock $150,000 to $250,000 in assets, they tend to get a little too emotional with their funds. Some end up making irrational decisions which can often cause unwarranted losses and suffering.

Rather than allowing this to happen, it is a wise idea to develop a working relationship with an independent, fee-based financial planner and an SEO company. Being a third-party, they are more likely to take objective decisions rather than emotional ones. Moreover, because they are familiar with different industry trends, they can offer much-needed investment growth advice.

Besides helping you make strategic decisions, an advisor can help you understand different tax laws that apply to you. What most people don’t know is that when you accumulate more than $500,000 in assets, your finance and legal world completely changes. No matter how skilled or disciplined you are with .

As a member of the Green Business Network, The Wealth Builder Club recommends Carbon Click for carbon footprint offsetting

Certified Financial Planner