Sebenzisa ii-injini zokukhangela ukuze ufumane abacebisi abahlangabezana nemigangatho yakho.
Ezi njini zee-5 zeejineli zeengcebiso zezemali zivumela ukuba unciphise uphando lwakho ukuze ukwazi ukufumana umntu olungele wena. Unokukhangela indawo yendawo, indlela umcebisi wezezimali ezihlawulwa ngayo, kunye neendawo ezizodwa.
01 Fumana umCwangcisi wezeMali oqinisekisiweyo
Injini yokukhangela kwiMali yoCwangciso lwezeMali ikuvumela ukukhangela i-database ye-Certified Financial Planners TM yendawo yabo ekhethekileyo, indlela yokubuyisela imali, kunye nayiphi nayiphi na ingeniso okanye ubuncinane bexabiso. I-CFP (R) kufuneka idlule ukuhlolwa okunamandla kwaye ibe neminyaka emithathu ngaphambi kokuba isebenzise i-CFP (R), ngoko ke xa uqesha i-CFP uyazi ukuba ufumana umntu ongeyena mtsha.
Izinzuzo: Le ndlela yindlela efanelekileyo yokuqinisekisa ukuba uqesha iSicwangciso seMali seCredit Certified, kwaye unqamle ukusesha kwakho ukuqinisekisa ukuba ufumana umcebisi wezezimali onendawo efanelekileyo yobungcali.
Umgca: Akukho
Abacebisi ngee-02 abaSebenza kunye neBoomers
I-Boomerater inikezela uludwe olubanzi lwabacebisi bezezimali kunye nabacebisi ngezezimali kuzo zonke iindawo. Uzikhangela ngekhodi ye-zip. Abacebisi ngezithombe kunye neenkcukacha ezichanekileyo baye bahlawula ukuba bafumane uluhlu oluphuculweyo, kwaye banomdla wokusebenza kunye nabemi beBommer. I-Boomerater inamanqaku amanqaku amanqaku abhalwe ngabacebisi abadweliswe kwirejista yabo.
Iinkonzo: Uya kufumana uluhlu olupheleleyo lwazo zonke izicwangciso zezemali kunye nolawulo lotyalo-mali kwindawo yakho. Abo bahlalutyo oluphuculweyo bafuna abathengi abaneminyaka engama-Boomer.
Umqhina: Uya kufuneka uphonononge uluhlu lokufumana iifemu kunye nabacebisi ngezezimali ababonelela ngeenkonzo kunye nesakhiwo sembuyekezo oyithandayo. I-Boomerater ayilungeleli ukulungiswa kwezi zihlomelo.
03 Fumana umcebisi-wezeMali kuphela
Wonke amalungu e-NAPFA (uMbutho weSizwe we-Advisors wezeMali ngokwaBantu) kuphela-ntlawulo, oku kuthetha ukuba abayithengisi iimveliso ezithunyelwe. Ngalo injini yokukhangela, ubeka kwisixeko sakho kunye nombuso ukuba ufumane uluhlu lwabacebisi ngezezimali kuphela abasebenzayo kufuphi nawe.
Iinkonzo: Ukuqhathaniswa nabemi beengcebiso ngezezimali ngokubanzi, amalungu e-NAPFA ahlala efumana amava, aqinisekisiwe, kwaye anemisebenzi equlunqwe kakuhle. Kwakhona kufuneka bahlangabezane neemfuno eziqhubekayo zemfundo eqhubekayo njengoko iNAPFA idinga iiyure ezingama-60 zemfundo eqhubekayo rhoqo iminyaka emibili ukuhlala ilungu.
Umgcini : Amalungu e-NAPFA anokufumana iimali ezincinci okanye iimfuno zexabiso eliphantsi; umzekelo, abanye abayi kusebenza nabathengi abanomsebenzi ongaphantsi kwama-500,000 okanye i-$ 1,000,000.
04 Abacebisi ngezeMali abaye baxela ngeeyure
NgeNgcaciso yeNgcaciso yeGarrett, ungayifaka ikhowudi yakho ye-zip ukuze ufumane uluhlu lwabacebisi ngezezimali ababonelela ngesicwangciso semali kwisilinganiso seyure.
Iinkonzo: Ukucwangcisa ngeeyure kungaba yindlela enkulu yokufumana uluvo olujoliswe kwiinjongo zemali. Umcebisi wezezimali weeyure angaqhuba isicwangciso esiphezulu sezemali, okanye ancedise ngeeprojekthi ezincinci ezinje ezifana nokwabiwa kwe-401 (k) isicwangciso, nokuba ingaxhaswa iRoth IRA okanye i-IRA yesiGaba.
Umqhina: Ukuba ufuna ubuhlobo obuqhubekayo nomcebisi wezemali owaziyo imeko yakho ngaphakathi nangaphandle, ukucwangcisa ngeyure kungabi yindlela yokuhamba.
05 Registry yePaladin - Inkonzo ehambelanayo
IRejista yePaladin inikeza inani elikhulu lemfundo elinokukunceda ufumane umcebisi wezezimali ofanelekileyo kwiimfuno zakho. Baqala ukukhenkcela abacebisi babo kwaye abayi kuvumela nabani na kwiqonga labo. Ukusebenzisa le nkonzo, uzalise ulwazi olusisiseko malunga nosapho lwakho, kwaye ngoko uhambelana kunye nabacebisi abancinane abakhethayo abahlangabezana neemfuno zakho.
Iinkonzo: Akukho mfuneko yokuphenya ngezihlomelo ezininzi. Emva kokuba uzalise ifom ye-intanethi uze uthumele isicelo sakho, imeko yakho ihambelana ngqo nabacebisi abancinane abakhethayo. Iinkcukacha zakho zoqhagamshelwano zithunyelwa kubo, kwaye inkcazelo yabo yenkampani ithunyelwa kuwe.
Umgcini: Ukuba awukhululekile ukubonelela ngolwazi olufanelekileyo kunye ne-asethi, ngoko kuya kulufumana kunzima ukufumana umcebisi olungileyo usebenzisa le injini yokusesha.