Waddell & Reed

Investing. With A Plan.

What is financial planning?  It is a conversation between people and their trusted advisors about two things: resource allocation (time), and economic constraints (money) that gets put in writing, implemented, and kept up to date. 

What do financial advisors do?  People in households, whether wealthy or just barely making it, have exactly three choices of what to do with their time each day:  Work outside the home (at a job), work inside the home (domestic tasks), or pursue leisure activity (everything else).  We all get the same 24 hours per day.  Financial advisors, using the financial planning process, help people prioritize which of those three choices they execute each day throughout their lifetime.

Time and Money.  Work a job, work at home, or go have fun.  Life, at the household level, really is that simple when you get right down to it.  We're here to help make it easier for you to prioritize and make decisions about your time and money.  

Thank you for visiting our website.  Please take advantage of this information resource, share it with your family, friends, co-workers, shipmates, and classmates.  When you are ready give me a call or stop by and visit us to see if working with an advisor and having your own financial plan is right for you.   

Mike Barclift, ChFC®

Financial Advisor 
Calculators

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Credit Card Debt

How Long Will It Take to Pay my Balance?

Car Affordability

How much can you afford to pay for a car?

More Calculators →

Newsletters

HOT TOPIC: Current Economic Conditions and the Prospect for Inflation

Inflation jumped up to 3.2% in April. That’s still below the 50-year average but it may be little consolation for anyone who has been to a gas station or a grocery store recently.

HOT TOPIC: Understanding the Three New U.S. Trade Agreements

Congress recently approved trade agreements with South Korea, Columbia, and Panama. They are the first U.S. trade agreements in four years. This article examines the pros and cons of the agreements and how they may stimulate the U.S. economy.

HOT TOPIC: Debating the Debt Ceiling

There has been substantial debate in Congress over raising the ceiling on the national debt. Although many Americans could be adversely affected if Congress decided not to increase the debt ceiling, this is unlikely to happen.

Protecting What May Be Your Most Valuable Asset

Statistics indicate 43% of 40-year-olds will suffer at least one long-term disability (lasting 90 days or longer) before age 65. Disability income insurance could help protect your most valuable asset: your ability to earn an income.

More Newsletters →