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Money Watch


NAPFA has the privilege of working with major media outlets to help educate the public on personal finance and the important of financial planning.  One of those relationships is with USA Today to answer reader questions as part of their MoneyWatch series.

 
Check out the contributions NAPFA members around the country have made for the series:
 
If you're unemployed, should you tap Social Security?
Answered by Lea Ann Knight of Garrison Knight Financial Planning in Waltham, MA
 
Are bonds a smart investment?
Answered by Don Martin of Mayflower Capital in Los Altos, CA
 
Is it time to rebalance your portfolio?
Answered by Robert Burger of Sensible Money in Scottsdale, AZ
 
After job loss:  When to collect Social Security
Answered by Lea Ann Knight of Garrison Knight Financial Planning in Waltham, MA
 
Is a mortgage a smart way to pay for college?
Answered by Alan Moore of Serenity Financial Consulting in Milwaukee, WI
 
Why pay more for a variable annuity rider?
Answered by Diahann Lassus of Lassus Wherley in New Providence, NJ
 
Think before you tap 401(k) to pay off mortgage
Answered by Danielle Schultz of Haven Financial Solutions in Evanston, IL
 
How to invest a lump sum retirement benefit
Answered by Peggy Kessinger of Cedar Financial Advisors in Beaverton, OR
 
Pay down mortgage or save for kids college?
Answered by Deborah Frazier of Frazier Financial Consultants in Chapel Hill, NC
 
Is it worth paying for 401k advice?
Answered by Anthony Farella of Rockbridge Investment Management in Syracuse, NY
 
Where to put your savings when you are over 60
Answered by Jeremy Welther of Brinton Eaton in Madison, NJ
 
Protecting the elderly from investment fraud
Answered by Daniel Moisand of Moisand Fitzgerald Tamayo in Melbourne, FL
 
Is an annuity a good way to guarantee income?
Answered by Chris Brown of Ivy League Financial in Rockville, MD
 
Better to rent or to sell a house?
Answered by Kathleen Rehl of Rehl Financial Advisors in Land O'Lakes, FL
 
When to walk away from a mortgage
Answered by John Sestina of John E. Sestina and Company in Columbus, OH
 
Wisely tapping retirement funds
Answered by Craig Carnick of Carnick & Company in Colorado Springs, CO
 
Maximizing Social Security benefits
Answered by jim Blankenship of Blankenship Financial planning in New Berlin, WI

Using savings to pay off mortgage
Answered by Susan Strasbaugh of Strasbaugh Financial Advisory in Colorado Springs, CO
 
How risky is a FHA reverse mortgage?
Answered by Tim Maurer of The Financial Consulate in Hunt Valley, MD
 
Unemployed and In Debt?  What to do.
Answered by Sam Fawaz of Y.D. Financial Services in Southfield, MI
 
How to earn more as CD matures
Answered by Constance Stone of Stepping Stone Financial in Chagrin Falls, OH

Avoid tax penalty with 401k withdrawals
Answered by Thomas Posey of Posey Capital Management in Houston, TX
 
Pros and cons of the Roth thrift savings plan
Answered by Glen Buco of West Financial Services in McLean, VA
 
Should I invest in stocks to pay for college?
Answered by Cheryl Krueger of Growing Fortunes Financial Partners in Chicago, IL

Will gold protect investment against inflation?
Answered by John Spoto of Sentry Financial Planning in Danvers, MA
 
Invest in Apple or buy rental property?
Answered by Eileen S. Freiburger of ESF Financial Planning Group in Manhattan Beach, CA.

Should I pay down student loans or contribute to 401(k)?
Answered by Fredrick Amrein of Amrein Financial in Wynnwood, PA
 
To keep my money safe but cover inflation, try TIPS
Answered by James Blankenship of Blankenship Financial Planning in New Berlin, IL
 
Should I keep life insurance or invest instead?
Answered by James Shagawat of Baron Financial Group in Fair Lawn, NJ
 
Is using 401k to pay off mortgage a good idea?
Answered by Annette Simon of Garnet Group in Bethesda, MD

Are health care funds a smart investment?
Answered by Dr. Carolyn McClanahan of Life Planning Partners in Jacksonville, FL
 
Pay loans or save for kid's college?
Answered by Tim Kober of Cedar Financial Advisors in Beaverton, OR
 
Should I put all my assets in 1 brokerage firm?
Answered by Gregory Plechner of Modera Wealth Management in Westwood, NJ
 
Retiring home downsizer wonders where to park his money
Answered by James Miller of Woodward Financial Advisors in Chapel Hill, NC
 
401(k) a bad option to pay off credit card debt
Answered by Brent Perry of Piedmont Financial Advisors in Indianapolis, IN
 
Save more for retirement or pay down mortgage?
Answered by Susan Fulton of FBB Capital Partners in Bethesda, MD

Hold on to your house a bit, or sell it now?
Answered by Drew Tignanelli of Financial Consulate, Inc. in Gettysburg, Pa., and Hunt Valley, MD
 
Investing tips to help put kids through college
Answered by John Gugle of Alpha Financial Advisors in Charlotte, NC
 
How do I make my 401(k) last after retiring?
Answered by Patricia Raskob of Raskob Kambourian Financial Advisors in Tucson, AZ
 
Receiving a lump sum? How to invest it
Answered by Jeffrey Daniher of Ritter Daniher Financial Advisory in Cincinnati, OH
 
Is a Roth IRA or 529 plan better when saving for college?
Answered by Gregory Welborn of First Financial Consulting in Pasadena, CA
 
Exceptions to early IRA withdrawal penalties
Answered by Stacy Bakri of The Family Firm in Bethesda, MD
 
How to wisely invest an inheritance
Answered by Velda Eugenias of Eugenias Advisory Group in Gadsden, AL
 
What to do if you don't like your retirement plan's options
Answered by John Ritter of Ritter Daniher Financial Advisory in Cincinnati, OH
 
How should I invest my money in retirement?
Answered by Linda Leitz of Pinnacle Financial Concepts in Colorado Springs, CO
 
Should I borrow from 401(k) to invest in gold?
Answered by William Keffer of Keffer Financial Planning in Chicago, IL
 
Which bonds should I invest my retirement savings in?
Answered by Russell Francis of Portland Financial Advisors in Beaverton, OR
 
Borrowing from a 401(k) may cost you more than you think
Answered by Christopher Long of Long & Associates in Chicago, IL
 
Is using a home equity loan to pay off mortgage a good idea?
Answered by Brian R Carlton of Huff, Stuart & Carlton in Forest, VA
 
When saving for retirement, even small steps pay off
Answered by Erin A. Baehr of Baehr Family Financial in Stroudsburg, PA
 
Pay off debt first or contribute to 401(k)?
Answered by Bobbie Munroe of Fraser Financial in Atlanta, GA
 
Should I have a living trust?
Answered by William Baldwin of Pillar Financial Advisor in Waltham, MA
 
Should I move all into bonds when I retire?
Answered by Peggy Cabaniss and Steve Biggs of HC Financial Advisors in Lafayette, CA
 
How to tell if your stockbroker's on your side
Answered by Susan John of Financial Focus in Wolfeboro, NH
 
Government retirement? Keep savings diversified
Answered by Mary Malgoire of The Family Firm in Bethesda, MD
 
Tapping into your 401(k) early can be costly
Answered by Roger Wohlner of Asset Strategy Consultants in Arlington Heights, IL
 
Protecting retirement savings for the long haul
Answered by Chris Brown of Ivy League Financial Advisors in Rockville, MD
 
Where can I find a CD yielding 5%?
Answered by Tom Orecchio of Modera Wealth Management in Westwood, NJ

How to secure steady retirement income
Answered by Tim Maurer of Financial Consulate in Hunt Valley, MD