Fiduciary Financial Advisors For Those Carrying Debt

 

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Now you can explore what service is best for you.

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We Only Work With The Best Financial Advisor Firms


We Exclusively Work With Select Partner Firms Who Meet The Highest Standard of Excellence and Trust.

3rd Party Rankings

Our partners have been recognized by some of the best media publication sources like Financial Times, Investor.com, Forbes, and Barron’s

Conflict Free

Our partners will also never sell proprietary investment products

Experience

All leads will be connected with a firm who has been in business for 20+ years

Education & Designations

All leads will be given to a certified CFP with designation from FINRA

Trustworthiness

All of our partners are credible — No conflicts of interest and no disciplinary history

 

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Independent Financial Advisor For Those Carrying Debt


Step 1:
Fill Out The Form

We did the hard work of finding trustworthy partners.
Now you can explore what service is best for you.

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Step 2:
A Trusted Advisor Will Reach Out To You

Feel understood. A Certified Financial Planner will have a personalized conversation listening to your financial situation and future goals.

Step 3:
Get A Custom Financial Plan

After listening to your financial situation and future goals, our advisors will put together a personalized road map for your financial success.

The Value Of A Retirement Financial Advisor For Those Carrying Debt


$2,010,221.91
Without Advisor

$4,643,687.46
With Advisor

Assuming $350k initial investment at 6% annual growth vs 9% annual growth for 30 years.

A good financial planner can increase your returns by as much as 3% annually.

Vanguard

How Can a Financial Advisor Help Those Carrying Debt?


If you are struggling to get out of debt, a competent financial advisor can help you understand your cash flow and identify the areas and practices that are causing you to get into debt and stay in debt. However, in order for a financial advisor to help, you need to provide them with all relevant financial documentation, including bank statements, credit card bills, installment loans, tax returns, pay stubs for the last several years. The financial advisor can then draft a new budget for you that covers your necessities while cutting unnecessary expenses and financial habits that are keeping you in debt.

Questions Those Carrying Debt Should Ask Their Financial Advisor


Are you a fiduciary?

A fiduciary is a qualification for financial professionals that guarantees that they must act in accordance with your best interest as a client. Any financial advisor that is being paid from the same pool of money they manage ALWAYS has an inherent conflict of interest. Choosing a fiduciary provides the best protections possible.

Can I change my fee structure as my circumstances change?

For example, you may wish to use an hourly structure at first, especially if your debts prevent you from depositing an initial asset base. Over time, as your debts are paid down, you may wish to change to a different structure. Ask your advisor what your options will be.

What are my restructuring options?

Something that you can sometimes do with your debt is called restructuring, whereby your debt is essentially given new permissions regarding how quickly and in what ways it must be repaid. In other words, your advisor may be able to find a way for you to pay off debts that doesn’t involve huge cash payments on your part; that being said, they will likely not be able to eliminate your debt, so ask ahead.

Find A Fee-Only Financial Advisor For Those Carrying Debt

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Top Financial Advisors Serving Those Carrying Debt

Personal financial advisors are money management experts that can help you get your finances on track. They are financial professionals that can help secure, multiply, and diversify your wealth. No matter the specifics of your financial situation, our advisors can find some way to help; and since our advisors are fiduciaries, you can be sure that you’re getting the soundest advice possible.

If you are struggling to pay off a certain debt, or just want the benefit of the financial security, an advisor is the professional to see. Our advisors are able to accommodate many different pay structures that allow you to affordably use our services even while paying back your debt.

Besides those carrying debts, our advisors are also qualified to assist any of the following:

  • Those seeking to build or rebuild credit
  • Those seeking to take out or pay back a loan
  • Those paying back their student loans

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FAQs About Certified Financial Advisors For Those Carrying Debt

Many advisors accommodate a flat rate or hourly fee structure, which may be more helpful as you build an asset base. Once you start looking for more advanced services, you will likely be asked to pay a percentage of your assets under management as a standard fee.
Financial advisors can help you, first and foremost, by creating a plan to reduce your debt in manageable chunks. They can then help you rebuild credit and establish a productive asset base.
What are my options for debt restructuring? Are you a fiduciary? Do you have experience managing debt? For what types of clients?
Financial advisors can be an extremely helpful tool for reducing debt. They have the skill to find ways to pay off debts over time effectively, without having a drastic impact on your lifestyle.