With the proliferation of financial-blogs, investment Apps and Robo-advisors, many are wondering whether it is worth hiring a financial advisor. Financial advisors specialize in providing money management solutions in a wide variety of places, i.e. independent consultancies and insurance and financial companies such as banks and investment firms. According to a report published by CNBC, the main reasons for seeing a financial advisor are as follows:
- When personal changes arise – changes or milestones in personal life, such as marriage and having a baby must be managed well to ensure a sound financial future. This is important because financial disagreements in marriage can easily cause financial strain and damage a relationship.
- When you experience wealth changes – if your financial fortunes have risen as a result of a pay rise, new job offering or inheritance, you may need a financial advisor to help you make the most out of the windfall. The advice can cover everything from savings to investment strategies.
- When you need emotional support – catastrophic financial events such as the 2008 Financial Crisis and the Dot.com Bubble often cause jitters among investors and the general populace. A financial advisor can be called in during a crisis to provide objective advice. For clients with facing financial disclosure challenges, the advice can help instill honesty in financial reporting.
The things a financial advisor does that you probably did not know?
Financial planning can be hectic if things don’t fall as planned. Besides providing crucial advice on investment matters, money management, and retirement planning, financial advisors can do much more. According to Business Insider, here are 4 things you probably didn’t know the experts:
- Tax planning
Any money that can be saved through tax planning can go a long way to boost your financial health for years to come. A Certified Financial Planner (CFP) will carefully study your tax returns to help you find ways to manage and maximize your finances and taxes. For real estate investors, investment advice can help stem future losses and consolidate gains.
- Loan negotiation
Using their knowledge in finance and investment, financial advisors and planners can help clients find the best interest rates when applying for loans and mortgages. In the case of the later, the financial expert can negotiate loan rates and close real estate sales on your behalf.
- Financial therapy
Although financial advisors and planners are not licensed counselors, they are well-informed about the psychology of money and how it affects the human mindset. Subconscious beliefs about money have been shown to affect how people earn, spend and save money. During the therapy sessions, the advisor will come up with a sound financial plan to help clients prosper.
- Exploit the loopholes in insurance coverage
A CFP trained financial advisor can audit all the insurance policies held by individuals and businesses, i.e. life, property and liability insurance coverage. The insights obtained from the audit can be used to help clients find insurance loopholes and reduce the due amounts. One of the best advice is obtaining a cost-saving, umbrella coverage for home, vehicle, and other liabilities.
- Work with your employer
The advisors are also well-placed to work with employers to optimize various worker benefits. For instance, an advisor can work with your employer’s HR manager and 401(k) providers to discuss best plans to implement and cost savings options. The support can also cover incomes from investment, annuities, IRA accounts and other less known retirement and investment accounts.
The Debt Advice You Can Trust!
People who need advice on issues like tax planning, investment planning, and debt management can seek valuable support from financial advisors. Consumers with high-interest loans are constantly bombarded with unending monthly payments that come with far-reaching implications on one’s credit standing and peace of mind. The Illinois based Jayhawk Advisors is a financial advisor in the business of making a difference. The company is focused on promoting the client’s financial well-being since it understands the importance of achieving financial goals.
The Jayhawk online debt estimating calculator is easy to use. All you need to do is enter your particulars, including name, address, estimated household income, monthly credit card payments and estimated credit card debt to know how much you can save. The other popular tool from Jayhawks is the debt management solution, which prioritizes what a client needs by offering low interest, single monthly payment plan. To get in touch with Jayhawk Advisors, visit the company website or call 1-800-781-7547 to speak to a friendly representative.
Kyrillos Saber’s Success Story
For every person in the world, there is something that serves as their driving force. For some people, the motive is art; for some, it is medicine, some people have a keen interest in sports while some people are really good at science and how the world works. With the dream that a person carries in their heart, the end result for every person is achieving success, and whatever the passion may be, real success can never be achieved without hard work.
Examples of people who are idolized today and admired throughout the world are those who were not only passionate about something but also had the guts and courage to work hard and make their mark in the industry. From Oprah Winfrey to J.K Rowling, Michael Jordan, and several others, success did not just fall at their feet; they recognized what their dream was and worked hard to reach the top.
Among the people who listened to their hearts and followed their dreams, the name of Kyrillos Saber remains distinguished. Kyrillos didn’t limit his passion to one industry; he worked hard and made sure his name shined among the well-known people in the acting as well as the music industry.
Born on 14th July 1989, Kyrillos Saber opened his eyes in the capital of Egypt, Cairo. Before moving to the U.S., Kyrillos was a student at Cairo University, College of Arts, and received an Associate Degree in translation. Still young, the boy showed interest and talent in various forms of art. Knowing that he wanted to more in the entertainment industry than just sit and watch them from a distance, he worked hard in polishing his skills. His hard work bore fruit when in 2004, Kyrillos was landed with a role in the movie, St. Bishoy, when he was just 15 years old. Three years later, he was offered another role in the movie, St. Hermena.
Upon reaching his 20s, he moved to the U.S in 2009, where he attended the Galen college of nursing in Florida, and graduated with a Certificate of Nursing. Previously, the movies that he had starred in were released in Egypt, and the environment in the new state was a bit intimidating for Kyrillos. But he chose to take it as a challenge and kept working hard. Knowing that the industry was huge and required more than just talent, he spent elaborate hours looking at various pieces of films and music, watching and observing every move of the artists with the hope to learn what the American entertainment industry had to offer.
Finally, in 2013, Kyrillos played Frat Jock in Die Die Delta Pi, the American movie whose plot narrates the story of a serial killer who is responsible for committing devastating crimes and is currently at large. Apart from working in the acting industry, Kyrillos also began discovering what it took to be a celebrity in other entertainment sectors as well. Finding an interest in the field of music, the multi-talented Kyrillos set to work on writing a song. In 2017, he released the song ‘Screw You,’ a masterpiece that was written, produced, and directed by Kyrillos himself. It wasn’t long before the song was recognized for its exceptional tunes and unique vocals. Today, the song has 33,135 views on YouTube and 2.4 million on Facebook.
His first appearance on American television paired with the outstanding music song helped him gain a huge stream of fans. He has reached more than 35K subscribers on his YouTube Channel, where he uploads videos regularly. He is also active on his social media accounts, including Twitter, Instagram, and Facebook. He is also the founder of Kyrillos Saber Records, which is his own fan page on Facebook having 237k followers.
Two years later, Kyrillos was landed with another role in The Nest Of Vampires (England), where he portrayed the character of Richard Marks. The film revolves around the story of an MI5 agent, known as KIT Valentine, whose wife and daughter were murdered by a gang of people. Valentine travels from London to rural England, in search of answers and finds that there exists a dangerous, underground society deeply involved in human trafficking and Satanic Cult Worship. The same year, Kyrillos played T.Y. in Shit Stew and Zombie in End Survival (USA).
The actor is also playing the role of Bar Patron in the movie, Todd, which is scheduled for release in October. He is also playing the roles of Vampire in Mercy, Mister in The Last Bounty, and Alan Sweet in Amber Road (USA).
Kyrillos has the role of Vampire Queen’s Follower 3 in Blood Thirst Supporting Tara Reid and the leading character of Troy in Necrophilia 1, a movie that was originally set for release this year but has been postponed due to the COVID-19 pandemic. Kyrillos played Reza Manzur Jr. in Social Distance, Male News Anchor in Numbers, Officer Sanchez in Amrak My New Family, Anarchist Member in Survival of the Apocalypse, and Masked gun-man in Having Had Breakfast (USA).
Kyrillos Saber also has the role of Detective Martinez in the movie Junior Squad Returns, which is set for release in 2021.
The life of Kyrillos Saber is exemplary. He is the epitome of determination and perseverance. As of today, Kyrillos Saber has appeared 16 plays, released 60 music singles, and directed 15 music videos and is recognized throughout the world as an actor, rapper, hip hop artist, singer, songwriter, scriptwriter, producer, and music video director.
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