Americans have among the lowest savings rates per household in the developed world. In a consumption oriented society, it is easier to enjoy luxuries now and pay later. Consumers should commit to a disciplined monthly investment or savings program. Fee-only financial advisors can provide guidance in establishing and living within in a budget. A fee-only registered investment advisor can also educate investors on appropriate investment vehicles for their short-term and long-term accumulation programs.
Mark Diehl is the author of the Wealth Management Manual, a 376 page financial planning book written for the average investor. You can download a free 33 page book excerpt from http://www.advisor90.com
Mark is also the Chief Investment Officer of Preferred Wealth Management, LLC, a fee-only Registered Investment Advisory firm http:www.advisor1990.com
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