Guests - If You want access to member only forums on FM. You will gain access only when you Sign-in or Sign-Up on Fishing Minnesota.

It's easy - LOOK UPPER right menu.

  • Announcements

    • Rick

      Members Only Fluid Forum View   08/08/2017

      Fluid forum view allows members only to get right to the meat of this community; the topics. You can toggle between your preferred forum view just below to the left on the main forum entrance. You will see three icons. Try them out and see what you prefer.   Fluid view allows you, if you are a signed up member, to see the newest topic posts in either all forums (select none or all) or in just your favorite forums (select the ones you want to see when you come to Fishing Minnesota). It keeps and in real time with respect to Topic posts and lets YOU SELECT YOUR FAVORITE FORUMS. It can make things fun and easy. This is especially true for less experienced visitors raised on social media. If you, as a members want more specific topics, you can even select a single forum to view. Let us take a look at fluid view in action. We will then break it down and explain how it works in more detail.   The video shows the topic list and the forum filter box. As you can see, it is easy to change the topic list by changing the selected forums. This view replaces the traditional list of categories and forums.   Of course, members only can change the view to better suit your way of browsing.   You will notice a “grid” option. We have moved the grid forum theme setting into the main forum settings. This makes it an option for members only to choose. This screenshot also shows the removal of the forum breadcrumb in fluid view mode. Fluid view remembers your last forum selection so you don’t lose your place when you go back to the listing. The benefit of this feature is easy to see. It removes a potential barrier of entry for members only. It puts the spotlight on topics themselves, and not the hierarchical forum structure. You as a member will enjoy viewing many forums at once and switching between them without leaving the page. We hope that fluid view, the new functionality is an asset that you enjoy .
Sign in to follow this  
walleye vision

Financial Planner

Recommended Posts

walleye vision    0
walleye vision

I was wondering if any of you know of a good financial planner around the cities? One major stipulation is that I will not pay commisions, I'll pay an hourly wage for advice...that's just my philosophy when it comes to this. Any help would be greatly appreciated.

WV

Share this post


Link to post
Share on other sites
Valv    0
Valv

My wife works for Ameriprise Financial for past 9 years, give them a try.

Share this post


Link to post
Share on other sites
mnhunter2    0
mnhunter2

You should be looking for a Certified Financial Planner, hopefully an independant CFP whose advice shouldn't be influenced by having a captive contract.

Share this post


Link to post
Share on other sites
PerchJerker    0
PerchJerker

I pay mine a fee (a percent) based on the total assets he manages. The more the value of my accounts goes up, the more money he makes. There is no sales commission, transaction charge, hourly fee, etc.

Share this post


Link to post
Share on other sites
Sandmannd    11
Sandmannd

Walleye Vision, I work for a company and we put plans together for nothing. The way we work is differant than your general fiancial planners and the out of pocket is very minimal. We actually work like PerchJerker's guy. Not really any out of pocket. If you have questions you can email me at s_e_hendricks@comcast.net. I can give you my number if you email me. Don't realy want to put it out on the web.

Share this post


Link to post
Share on other sites
insurance guy    0
insurance guy

My first recommendation is to talk to your car and home insurance agent that you already have a relationship with. I'm an Allstate agent and I have a person on staff in my office that specializes in financial and estate planning and we will do it for you at no cost because you're an existing customer including a very comprehensive estate plan that many companies will charge a lot for. State Farm and many of the other major insurance carriers are now actively involved in the financial services business as well as regular insurance wink.gif

Share this post


Link to post
Share on other sites
Walleye Guy    6
Walleye Guy

Two areas of advice on financial planners:

1. Before picking any financial planners you should interview 3 or 4 different firms/individuals. If you want to include your insurance agent that is fine. Financial planners will be dealing with your future livelyhood and your family's well being once you are gone. Picking the first one that somebody recommends generally isn't a wise decision.

2. Make sure that whomever you pick has the ability to sell all types of products and policies. Don't tie yourself to a financial planner who can only sell "Brand X" mutual funds or "Brand X" insurance policies. They should be shopping on your behalf for funds and policies that have the highest return and the lowest total cost of ownership.

There are many good financial planners out there. There are also many who's first priority is to pad their pockets with commissions. Getting one who is also certified is also a must.

Share this post


Link to post
Share on other sites
mnhunter2    0
mnhunter2

Before you meet with someone about a financial plan I would find out if the are a Certified Financial Planner, the financial service/insurance industry has a lot of people calling themselves financial planners while only a few are truely Certified Financial Planners.

Share this post


Link to post
Share on other sites
fivebucks    11
fivebucks

My advise, and something I've been meaning to do also, is to find someone who sells NO product and just charges you to evaluate your situation and make recommendations on types of products to invest in. I am leary of any firm that sells a product because ultimately they will want to sell you something and they will make money that way, and it may not be in your best interest. I haven't done my research so I am of no help to you as far as a recommendation. I am not even sure where to start looking. Good luck and if you find a few good ones to look at please post back here.

Share this post


Link to post
Share on other sites
Sandmannd    11
Sandmannd

Quote:

My advise, and something I've been meaning to do also, is to find someone who sells NO product and just charges you to evaluate your situation and make recommendations on types of products to invest in. I am leary of any firm that sells a product because ultimately they will want to sell you something and they will make money that way, and it may not be in your best interest. I haven't done my research so I am of no help to you as far as a recommendation. I am not even sure where to start looking. Good luck and if you find a few good ones to look at please post back here.


This is real good advice. I'm not sure how all other companies work but the one I'm with doesn't charge. We get paid from the companies you invest in. I had a friend I recently worked with and the last person he went to charged him $500 just to draw up a plan. When he came back they wanted him to buy expensive insurance and when he wouldn't they told him they couldn't help him until he bought a policy. With financial people along with mortgage people there are a lot of sharks out there that are laying to take your money. Be real careful who you work with, you should never have to buy anything or put money into something you don't feel comfortable with.

Share this post


Link to post
Share on other sites
Guest
This topic is now closed to further replies.
Sign in to follow this