20 votes
Accepted

What professional should I seek out to get financial advice on how to make ends meet with my current budget, expenses, and retirement accounts?

Most of the people that describe themselves as financial advisors are investment advisors; they can help you invest your money for retirement, but are generally not prepared to help you with budgeting ...
Ben Miller's user avatar
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13 votes

What professional should I seek out to get financial advice on how to make ends meet with my current budget, expenses, and retirement accounts?

A financial coach would probably be better suited to help you than a traditional advisor. The AFC (Accredited Financial Counselor) is the credential you'd probably want to look for in the US. Yes, ...
Stan H's user avatar
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10 votes
Accepted

Why have I paid more in fees than the published expense ratio would account for?

You are misunderstanding what expense ratio means. Expense ratio is what the fund charges, and it is deducted from your investment with the fund. What you're seeing is what the plan charges, which is ...
littleadv's user avatar
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9 votes
Accepted

How should I aggressively invest in ETFs with the goal of early retirement?

I'm not sure if I should just buy at the market value, or use limit orders of, say, -5% to try to get a better deal. If you are planning on keeping these investments for many years why are you ...
mhoran_psprep's user avatar
4 votes

What professional should I seek out to get financial advice on how to make ends meet with my current budget, expenses, and retirement accounts?

england-and-wales In England there's a service called Money Helper, independently run, but funded and accredited by HM Government. They can offer impartial advice over the phone (or in person at ...
Valorum's user avatar
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3 votes

How would you balance this scenario?

Balancing 401k and 403b This comes down to choices and costs. Check which funds your 401k has access to, which the 403b, and figure out which ones you like. You may end up liking some in one and some ...
littleadv's user avatar
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2 votes

How would you balance this scenario?

Note: This focuses on just my comment and request for clarification, it's not a complete answer. For the joint filer, $190,750 - $364,200 is the 24% bracket. But, you can see that if you go over $194,...
JTP - Apologise to Monica's user avatar
2 votes

How would you balance this scenario?

Here are my additions to littleadv's excellent answer. Split your contributions between your two plans to maximize matching. After that put the remainder in the one you like better. Can you ...
Pete B.'s user avatar
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2 votes

What professional should I seek out to get financial advice on how to make ends meet with my current budget, expenses, and retirement accounts?

Self-help works even better if it is team-help. In other words, involve the whole family. This works expecially well in areas such as this one mentioned by another poster: Make a conscious effort to ...
MarkHu's user avatar
  • 151
1 vote

What professional should I seek out to get financial advice on how to make ends meet with my current budget, expenses, and retirement accounts?

There isn't much that a counselor can do which you cannot find readily available on the Internet short of taking over your budgeting so that you have no say in your finances. Without knowing your ...
MonkeyZeus's user avatar
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