Financial Planning

Robert Pagliarini, an expert in wealth management, inheritance planning, financial planning, and sudden wealth™, writes a financial column for CBS News MoneyWatch that is also syndicated in newspapers across the country. The following is a column Robert wrote for CBS: As a “sudden wealth” financial planner, I take great pride in helping others determine where…

In October 2013, Robert Pagliarini appeared on the Steve Harvey Show to discuss all things credit: what is credit, what is a credit score, how to get your credit report, how to get your credit score, how to improve bad credit, and many other credit related topics.

740 is the new 720. If you want to refinance or buy a home or pass muster with a lender, a landlord, an insurer or even a possible employer, it will help to have a credit score of 740 or better. While the median FICO score in America is still 720, many lenders have now…

You stand at your window and look across the street. Nice house, you think. Nice landscaping. Nice sports car. Nice driveway. New bikes for the kids. Wow, your neighbors are really well off. If only you had that kind of money. That plain home down the street with the older model sedan parked out front…

This list is extracted from the wonderful book, “Common Sense Economics,” by James Gwartney, Richard Stroup, and Dwight Lee. Discover your comparative advantage. Be entrepreneurial. In a market economy, people get ahead by helping others and discovering better ways of doing things. Spend less than you earn. Begin a regular savings program now. Don’t finance…

Can shopping become addictive? I’ve worked with people from vastly different backgrounds who have become shopaholics — from sudden wealth recipients who’ve come into millions of dollars to the unemployed and destitute who cannot control their shopping addiction. Most recently Dr. Drew and I recently taped an episode on the Ricki Lake Show where we…

Things you can do before and for 2013.  What financial, business or life priorities do you need to address for 2013? Now is a good time to think about the investing, saving or budgeting methods you could employ toward specific objectives. Some year-end financial moves may prove crucial to the pursuit of those goals as…

The two words signify a far-reaching kind of financial care. There’s financial planning, and then there’s wealth management. Think of wealth management as a step up from garden-variety financial planning. One office (rather than one person) provides a range of services for a client: personal financial planning and investment management, tax reduction and estate planning…

What would you like to have known at 18, 25, or 35? When you were 20 or 25, what was your level of financial literacy? What did you think of when the nightly news mentioned Wall Street or the Federal Reserve? Did you even care about those things at that time? Few young adults fully…

Those three little letters signify some very high standards in financial planning. “Certified Financial Planner” – what does that title really mean? When you search for a financial advisor, it means everything. Let me explain why the CFP® designation is so important. Today, the financial world is full of credentials and designations. Some are respected,…