Shandisai injini yekutsvaga kuti muwane mazano avo vanozadzisa zviyero zvenyu.
Aya mazano mashanu ekugadzirisa zvemari ekutsvaga injini anokubvumira kuderedza kutsvaga kwako kuitira kuti ugone kuwana munhu akakodzera iwe. Iwe unogona kutsvaga nenharaunda, kuti mupi wezano rezvemari anopiwa chikwereti, uye nedzimwe nzvimbo dzehutano.
01 Tsvaga Chirongwa Chekuita Kwemari
Iyi injini yekutsvaga kuChealth Planning Association inokubvumira kutsvaga dhesi reDhipatimendi reChechi yeChechi yeChitsuwa cheMari neavo yehutano, nzira yekubhadhara, uye nemari chero ipi zvayo kana kuti zvigadzirwa zvishoma zvingave nazvo. CFP (R) s inofanira kupedza kuongororwa kwakasimba, uye kuva nemakore matatu ehutano vasati vashandise CFP (R) kudanwa, saka paunenge uchitsvaga CFP iwe unoziva uri kuwana mumwe munhu asiri mutsva.
Pros: Iyi inzira yakanakisisa yekuita kuti iwe uite Chirongwa Chekuita Financial Planner TM uye wobva wanyatsotsvaga kutsvaga kwako kuti uone kuti iwe unowana mupi wezano wezvemari ane nzvimbo yakakodzera yeunyanzvi.
Cons: Hapana
02 Vashandi Vanoshanda NaBomomers
Boomerater inopa ruzivo rwakakwana rwevanoronga mari uye vadzidzisi vemari kumativi ose enyika. Iwe unovatsvaga ne zip code. Vashandi vezvifananidzo nemifananidzo yakajeka vakabhadhara kuti vave nehuwandu hwekuwedzera, uye vanofarira kushanda neBommer voruzhinji. Boomerater inewo nyaya dzakawanda dzinodzidzisa dzakanyorwa nevanopa mazano zvakanyorwa mumabhuku avo.
Pros: Uchawana rondedzero yakakwana yezvese zvekugadzirisa zvemari uye makambani ekuchengetedza masimba munzvimbo yako. Vaya vane tsvakurudzo dzakanyatsotarisa vari kutsvaga vatsva venguva yeBoomer-age.
Cons: Iwe uchada kutsvakurudza kuburikidza nekutsvaga kuti uwane makambani nevanopa mazano vezvemari vanopa mazano uye mararamiro aunoda. Boomerater haisati yaita kuti iwe uwane mazita.
03 Tsvaga Mutero-Mugove Wezvemari Chete
Vose nhengo dzeNAPFA (National Association of Personal Financial Advisors) dzinokwereta-chete, izvo zvinoreva kuti havatengesi kutengeswa kwemiti. Neyo injini yekutsvaga, iwe unoisa muguta rako uye nyika kuti uwane rondedzero yemari yevatori vemari chete vanoita pedyo newe.
Zvinhu zvinowanikwa: Kuenzaniswa nehuwandu hwevadzidzisi vezvemari pamwe chete, nhengo dzeNAPFA dzinowanzoziva, dzinozivikanwa, uye dzakagadzirirwa zvakanaka. Vanofanirwawo kusangana nematambudziko anoramba achienderera mberi ezvidzidzo sezvo NAPFA inoda maawa makumi matanhatu ekudzidzira dzidzo makore ose maviri kuti irambe iri nhengo.
Mutengo : Nhengo dzeNAPFA dzinogona kunge dziine mari shoma kana kuti zviduku zvinoshandiswa; somuenzaniso, vamwe havangashandisi nevatengi vane purofice pasi pe $ 500,000 kana $ 1,000,000.
04 Financial Advisors Who Charge Hourly
Pamwe neGarrett Planning Network, unogona kuvhara zip code yako kuti uwane rondedzero yevadzidzisi vezvemari vanopa mari yekugadzirira kwemaawa imwechete.
Pros: Kuronga kwemaawa kunogona kuva nzira yakanakisisa yekutora pfungwa inofunga pamusoro pezvisarudzo zvemari. Mutungamiri wezvemari wega wega wega wega anogona kukwanisa kuronga hurongwa hwehupfumi, kana kubatsira nemapurani mapurojekiti akadai sekugoverwa kwe 401 (k) hurongwa, kana kuti kubhadhara Roth IRA kana Traditional IRA.
Cons: Kana uri kutsvaga hukama huripo nemudzidzisi wezvemari uyo anoziva mamiriro ako mukati nekunze, saka kuronga kwemaawa nguva dzose hakusi iyo nzira yekuenda nayo.
05 Chikoro chePaladin - A Matching Service
Paladin Registry inopa huwandu hwakawanda hwezvidzidzo zvekudzidzisa zvinogona kukubatsira kuwana mvumo yakakwana yemari nokuda kwezvinodiwa zvako. Vanotanga kutarisa mazano avo mazano uye havazoregi chero ani zvake pachikwata chake. Kuti ushandise basa racho, unozadza ruzivo rwezvemhuri pamusoro pehupenyu hwako, uye iwe pachako unofananidzwa nevakasarudza vasarudzo vashoma vanozadzisa zvamunoda.
Pros: Hapana chikonzero chekutsvakurudza kuburikidza nekunyora mazita akawanda. Kana ukangopedzisa fomu iri paIndaneti uye ugoisa chikumbiro chako, mamiriro ako akafananidzwa kune vashomanana vanosarudza mazano. Mashoko ako ekutumira anotumirwa kwavari, uye ruzivo rwekambani yavo runotumirwa kwauri.
Mutengo: Kana iwe usingasununguri kupa mvumo yakakosha uye ruzivo rwehupfumi, ipapo uchawana zvakaoma kuwana muyananisi wakarurama uchishandisa injini yekutsvaga.