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Here at 3D Advisors we've always prided ourselves on brining superior service and products to our clients. We believe the nothing will help our customers plan for the future better than help from one of our knowledgeable advisors. Indeed, our advisors make us the valuable tool for future planning that we are. With this in mind, we wanted to go over why financial advisors are so valuable when it comes to our clients and why being a financial advisor is a solid career move.

1. You have a position of trust. No matter where you started out in life, being a financial advisor means you have a position of trust and authority. Clients want a knowledgeable financial advisor who will manage their money and help ensure their long-term monetary well-being. You will be their trusted guide.

2. Always room to learn. There seems to be a never-ending flood of financial products hitting the market every year. As a financial advisor you will have the opportunity to learn about the pros and cons of each product or company and teach your clients. Continued learning keeps advisors sharp and valuable.

3. Always improving. Unlike most other jobs, as a financial advisor there is always room to grow. While most employees must wait for job openings or for superiors to retire, as a financial advisor your growth potential is only limited by you. If you want to achieve more you can, no waiting.

4. Flexibility is built in. The nine to five grind is just that, a grind. Unpleasant, takes up the entire day and missing too many major events; the typical work environment is stifling. Advisors work when their clients have time which means an a-typical work schedule. While this can take some arranging, it also leads to increased schedule flexibility, leaving time for you to experience life and work.

5. The income. Finally, the income potential can't be beat. No advanced degree and years slaving away are needed to earn a six-figure income. Bringing in clients, helping them plan for long-term financial security and becoming their guide isn't just a job that makes you feel good, it pays well too.

In a world filled with the usual jobs and paychecks, it's nice to have alternatives that bring job satisfaction and the income to match.

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The Perks of Financial Advising - 3D Advisors

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Here at 3D Advisors we've always prided ourselves on brining superior service and products to our clients. We believe the nothing will help our customers plan for the future better than help from one of our knowledgeable advisors. Indeed, our advisors make us the valuable tool for future planning that we are.

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How to Survive Stock Market Volatility
Preparing for the future takes a little knowledge, a lot of patience with and a generous portion of hard work. Saving money to fund your retirement isn't as easy as it was 40 years ago. Now you must know how to and how much to invest in order for your savings to grow substantially enough to cover a retirement that could last twenty-plus years. As markets fluctuate and turn down-right scary, fears about the future arise. However unsettling, a volatile market doesn't have to be the thing of nightmares. The following information will help you weather market volatility:
* First, what is market volatility? A volatile market means stock and commodity prices rise and fall sharply over a short period of time. Think of it like the ocean, you want calm waves that move you toward your location. A volatile market is like a storm; sharply rising and falling waves that make investors uneasy and more prone to shed stocks.

* How does my money survive? Easy, patience. Volatile markets will even out over time. Will your portfolio look the same? Probably not. However, this isn't the time to panic and sell, though you may need to drop consecutively poor performers in favor of more steady options. Being patient is your best option in the long run. Let it ride out and give your portfolio time to regain momentum. This may take a long time, so patience is the name of the game.

* Is there a way to avoid volatility? Short answer, yes and no. The bulk of investing options depend on stock market performance so get ready for a few bumps along the way. However, policies like linked benefit products and various annuities tend to offer a stable return even under stock market volatility.

* How should I invest? Starting small and diversely investing is a solid way to go. As mentioned before, choosing set investments like linked benefit products are a little safer and provide a nice payment over time. The best thing to do is research and decide where and how much you want to invest.
Nothing is as unpredictable as weather and the stock market. But planning for retirement doesn't have to be scary. 3D Advisors Inc. knows how to help you and your money survive volatility and grow.

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How to Survive Stock Market Volatility - 3D Advisors

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How to Survive Stock Market Volatility Preparing for the future takes a little knowledge, a lot of patience with and a generous portion of hard work. Saving money to fund your retirement isn't as easy as it was 40 years ago.

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3D Advisors has always advocated for those wanting to retire and enjoy their golden years. After a lifetime of hard work, a couple or individual should have the right to leave their employment and enjoy doing the things they've always wanted to do. However ideal this idea may seem, actually saving for retirement can be daunting on one hand and downright confusing on the other. Since retirement is so important, the following information can help you plan for your future:

How much should be saved? In short, as much as you possibly can. But by the numbers, experts say that individuals should save between 10% to 15% of their yearly income to go towards retirement. For example: for an individual making $50,000 per year, they should plan on saving between $5,000 and $7,500 dollars per year. These numbers will be affected by marriage status as well as general health. For those with health issues, more should be saved to meet future needs.

Is there a number I should be aiming for? Having 100% of your income when you retire would be nice, the reality is working to save for 70% to 90% of your income. Wile this might seem like a huge cut in pay, as people age, ideally bills will decline. I.e.: the house is paid off, kids have moved out, so bills are lower, etc.

Should I invest my retirement savings? Investing can be tricky, but the payoff can't be beaten. Instead of investing all of your retirement savings, consider starting with about 10% to start, then gradually increase your percentage based on the investments and products you're using.

Most employers have already helped you do this by matching investments in a 401K. Many 401K providers will give annual statements and give you opportunities to diversify how they invest for you. Take this opportunity to adjust your investments to earn a higher return.

IRA's are also a great way to invest and save for the future. With the attractive tax breaks, especially with Roth IRA's, these are a good option for long-term retirement savings.

Annuities, like IRA's, are powerful saving and earning products perfect for retirement. Unlike IRA's, annuities have the ability to earn more over a longer period of time, but they are subject to stock market fluctuations as well.

In short, start now to save for a bright retirement.

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3D Advisors has always advocated for those wanting to retire and enjoy their golden years. After a lifetime of hard work, a couple or individual should have the right to leave their employment and enjoy doing the things they've always wanted to do.

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There are few things as comforting as having money in the bank. Unexpected costs can pop up at any time and that money that is held in reserve will, many times, meet that financial need without leaving the saver destitute. 3D Advisors has always been about helping individuals plan for a bright future with solutions like linked benefit. However, to have the money for the future, it will require people to start saving now. The following are saving money tips that can help you tuck money away for the future you want:

Cable has to go. We're not saying that you can't have any entertainment, we all need distractions and entertainment provides for that. Cable or satellite TV plans always start out affordable, but that affordability quickly disappears, and the costs keep adding up.

Try instead: streaming services are becoming a popular and less expensive alternative to cable.

Don't buy new. From clothes to cars, buying new and trendy is a tax on the savings account. Cars lose their value the minute they leave the lot and fashion trends are constantly changing, so buying new isn't always a great investment.

Try instead: consider buying used. Often, you can find what you are looking for without the extra cost of buying brand new.

Skip eating out. It's nice to ditch cooking in favor for a great meal at a restaurant, but by the time you work in the cost of the meal, tip and the gas to travel there, you've spent way too much.

Try instead: Cook at home and save eating out for special occasions. You can always find something to try via the internet's large library of step-by-step how-to videos and recipes.

Be smart about your phone. No, you don't need the newest smartphone, you don't even need that pricey plan either. While new phones and tablets are always wanted, they aren't worth the extra cost or data plan that comes with it.

Try instead: keep your smartphone and switch carriers or work with your carrier to get the best deals possible. It will save you money to be savvy about your plan and electronics.

It takes discipline and practice to save money. If you are new at saving, give yourself some small goals of how much you want to save per month and work up from there. As you put more money in the bank you'll feel a sense of accomplishment that's much better than anything you can buy yourself.

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Saving Money Tips & Trends - 3D Advisors

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There are few things as comforting as having money in the bank. Unexpected costs can pop up at any time and that money that is held in reserve will, many times, meet that financial need without leaving the saver destitute. 3D Advisors has always been about helping individuals plan for a bright future with solutions like linked benefit.

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INVESTING WITH APPS | THE REALITY OF INVESTING APPS

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INVESTING WITH APPS | THE REALITY OF INVESTING APPS

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Annuities and linked benefit products are sure and steady ways to protect future income and provide for self and family. There are few comparable products with the ability to protect money and provide the income needed for a comfortable future. While these products are great, there are other ways to invest to save for retirement that are growing in popularity. Investment apps are becoming a trendy way to save money, especially among younger generations. But what are these apps and are they safe to use?

Investing apps such as Acorns and Stash allow users to start with smaller amounts of money and choose how they want to invest their cash. Sophisticated software that directs money to the most promising investments is behind these apps. These apps make investing seem effortless by working with smaller deposits and encouraging smaller additions as you go. The idea is to build wealth over time and function like an investing savings account. But what are the drawbacks and benefits of such apps?

For starters, since most of these apps only require minimal deposits-sometimes as little as five dollars-investing doesn't feel like a huge financial burden. With smaller amounts, the risk feels a lot lower as well.

Couple low investment amounts with small handling fees and this seems like the ideal way to invest and save for those on a tight budget. It's important to note, as the amount in investment accounts grows, so too do the fees. However, the fees are still much lower than traditional investing firms.

On the other side, these apps do have their problems. For starters, many young people who use them lack a long-term perspective. Saving money over a few months seems great, but that savings may soon be used for the next bright and shiny item. Keeping perspective that this is a long-term plan doesn't always sink in.

Another issue is the lack of tax benefits. Most people start using these apps thinking they will be able to by-pass any taxes, but the government always gets their money. Most of these apps lack the tax advantages of more traditional Roth IRA's or annuities.

The bottom line: These apps are a terrific way to get started with saving and investing, but they shouldn't be the only option. Starting with these is a great idea, before upgrading to more solid and beneficial products that ensure the greatest return.

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Investing with Apps | The Reality of Investing Apps - 3D Advisors

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Annuities and linked benefit products are sure and steady ways to protect future income and provide for self and family. There are few comparable products with the ability to protect money and provide the income needed for a comfortable future. While these products are great, there are other ways to invest to save for retirement that are growing in popularity.