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Financial Planning

Financial Planning

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Financial Planning And You

Financial planning is more than just making a budget and attempting to stick to it. It’s a constant process that helps you work towards your goals so that you feel confident in your finances both now and in the future.  Learn more about financial planning by talking to a financial advisor today. 

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Understanding Credit Limits: What They Are and How They Are Determined

Understanding Credit Limits: What They Are and How They Are Determined

Understanding Credit Limits: What They Are and How They Are Determined Credit limits are an essential aspect of personal finance, yet many individuals may not fully understand what they are or how they are established. A credit limit is the maximum amount of credit that a lender extends to a borrower on a credit card […]

Understanding FICO Scores

Understanding FICO Scores

Understanding FICO Scores FICO scores play a crucial role in the financial landscape, influencing everything from loan approvals to interest rates. As a self-employed individual or someone looking to improve their financial health, understanding your FICO score is essential. This guide will delve into what a FICO score is, how it is calculated, its significance, […]

Best Ways to Pay Off Debt

Best Ways to Pay Off Debt

Best Ways to Pay Off Debt Debt can often feel overwhelming, but with the right strategies, you can regain control of your finances and work towards a debt-free future. In this article, we will explore effective methods to tackle debt, providing you with actionable insights and tips to help you on your journey. Understanding Your […]

How to Consolidate Debt

How to Consolidate Debt

How to Consolidate Debt Debt consolidation can be a strategic move for individuals looking to simplify their financial obligations and manage their debts more effectively. This process involves combining multiple debts into a single loan or payment plan, often with the goal of securing a lower interest rate or more manageable monthly payments. Understanding the […]

Debt to Income Ratio Calculator Calculate your debt to income ratio and discuss your results with a financial advisor:

Debt to Income Ratio Calculator
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Excellent! While you should pay off your debt as soon as possible, this debt to income ratio should allow you to live the lifestyle you want without major constraints.
Healthy. You should avoid incurring more debts, and might have a problem getting approved for a mortgage or yet another loan. Still, you are in a relatively good situation.
Troubling. You probably won't get approved for any additional loans; you should start working on a plan that will help you reduce your debts.
Dangerous. Such a debt to income ratio indicates financial trouble. You should devote as much money and energy as possible to pay off your loans.
Extremely Dangerous. More than half of your income is used to pay off debts and mortgages. If you're not following a strict payment plan yet, don't hesitate to consult a financial advisor and get professional help.
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