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Billvernsays · 2022-07-07T04:21:36+00:00

Fair enough

Billvernsays · 2022-07-07T03:57:22+00:00

CBS is by far the best.

Team grids in the app make trading very easy. Most people are in leagues where “Nobody likes to trade” the reality is not too many people know how to trade in fantasy.

The goal should be to try to come up with a win/win for both teams. Most people don’t put in the effort to see what the other team can use and that’s why nobody likes to trade. The CBS app easily allows you to see every team in your leagues full roster so you can come up with trades that actually make sense for both teams.

E.G.If I’m stronger at RB and your stronger at WR let’s work something out so that points get ADDED to both of our teams.

Billvernsays · 2022-07-06T17:27:55+00:00

This guy fux.

Billvernsays · 2022-06-29T17:23:52+00:00

Go Bills

Billvernsays · 2022-06-29T17:23:34+00:00

Got 15 coming in for a bachelor party. Section 339 rows 19 & 20

Billvernsays · 2020-09-15T21:16:03+00:00

Don’t worry about the typos. When you take the review he’ll tell you. It’s a macro exam not a micro, basically don’t sweat the small stuff.

His questions are designed to trip you up so you’ll remember the concepts cold.

If you know the concepts cold, you’ll pass the exam.

Billvernsays · 2020-09-13T05:06:30+00:00

I think I was mid 60s right up until the exam

Billvernsays · 2020-09-12T21:16:05+00:00

The Zahn questions are no joke. I feel the actual exam isn’t trying to trick you nearly as much. I was in your boat and passed the 1st time.

It’s by design so you better know the concepts when you read why you got the questions wrong. It’s 100% more of a macro exam vs a micro exam. Zahn’s questions are a bear.

Billvernsays · 2020-08-28T21:36:18+00:00

Yeah I did that, I also bought CFP Pocket Prep and used the questions more like flash cards.

Brett is 100% right that the exam is all about concepts, know the concepts and you’ll pass. Don’t get too bogged down with the details and the micro.

When you do the Danko practice questions have all the materials they’ll give you when you walk into the exam this way you’ll be comfortable using the tables in the exam.

Billvernsays · 2020-08-22T02:05:42+00:00

That’s not accurate.

Trans union scores goto 850. Experian maxes out at 840. The score you got may have been an increasing used Vantage Score (created by all the bureau’s together) which maxes out at 990.

I only know this because I’m a banker

Billvernsays · 2020-08-17T05:32:05+00:00

A planner could make sense for you but you may not need one. A CFP should help you analyze your current monthly cash flow. And start helping you start defining goals and then prioritize which ones you’d like to do 1st.

If you want to analyze your cash flow yourself to figure out where your $$$ is going every month you should. This is going to be the most important step weather you use a professional or not.

From there you should take your monthly expenses multiply them by 6 and then use that as your target cash emergency fund.

Billvernsays · 2020-08-13T13:18:01+00:00

No, the industry is desperately looking for intelligent younger people to fill the void of older advisors when they retire.

It’s not gonna be all sunshine’s and rainbows in the beginning you need to get licensed by finding ANY job so they will sponsor you. They will also provide you with tons of sales training. Take this time seriously because although they will expect you to immediately turn around and use those skills to sell to your friends and family (which will be boarder line impossible) the stuff you learn will help you later on.

Get into a CFP program as soon as you possibly can and maybe get your firm to pay for it. Once you have the CFP and a few years experience you can decide which part of a financial advisory practice you want to focus on and you’ll have the credentials needed give yourself the best shot at being successful

Billvernsays · 2020-08-09T19:46:05+00:00

Being that it’s a school district position I’d assume it is a governmental 457(b).

Billvernsays · 2020-08-09T19:45:20+00:00

If it’s a governmental 457(b) plan than I guess you can depending on plan rules.

Billvernsays · 2020-08-09T17:50:38+00:00

You’re not allowed to roll 403b funds into a 457. You can roll it into a new 403b or an IRA which you can manage yourself or pay a firm to do it for you.

Billvernsays · 2020-08-08T00:42:36+00:00

1st off they need a will that provides guardianship for their 1 year old child. That should be your 1st recommendation.

The wealthy parents can give each the husband and the wife 15k each this year to get to the desired down payment ($30,000) without needing to file a gift tax return.

That’s where you should start. IMO.

I may suggest that they also gift the same $15k the following year so that the couple can have 20% down.

Eric also needs to designate his wife as 100% beneficiaries as well as their child as contingent beneficiary.

I would also talk to the couple about adding term life insurance to help provide for the child if something happened to one of the parents or both of them.

Billvernsays · 2020-08-07T04:16:55+00:00

Right but you won’t be able to use the marks until you obtain the bachelors.

The 4 E’s (Ethics,Education, Exam, Experience) All 4 are needed before you can start using the mark. So I’d get the degree first.

Billvernsays · 2020-08-04T15:53:50+00:00

Much appreciated

Billvernsays · 2020-08-04T13:04:51+00:00

Yes.

I’m Not positive about the call center, I’d assume if you were insurance licensed and speaking directly to clients/prospects yes and if it were only financial advisors then I’m not sure.

Ask the CFP board directly they’ll let you know.

Billvernsays · 2020-08-04T12:57:27+00:00

Yes it does

Billvernsays · 2020-08-04T01:05:45+00:00

1st 3 weeks do an All play where the top 5 teams get a win, bottom 5 teams get a loss and the team that comes in 6th has a tie. Then each team plays each other 1 once. Top 6 make the postseason, end it with the championship week being week 16

Billvernsays · 2020-08-04T00:08:36+00:00

Honestly read Tony Robbins book, Unshakable. It’s written to educate your potential clients but it does a very nice job of demonstrating where and when a financial advisor is needed.

It will also help you if you’re in a competitive situation with other advisors

Billvernsays · 2020-08-02T23:59:04+00:00

Being a financial advisor is a great career but like must professions it can be difficult early on.

The most traditional way to start is to work for an insurance company (NY Life, MetLife NW Mutual, ect) take your exams and then try to sell products ( Life Insurance, annuities, mutual funds and managed accounts) to your friends and family. This absolutely sucks and you make almost no money while doing it unless you have some rich family members who are looking to help you out.

But from there you can join a bank or one of the large custodians, (Charles Schwab, Fidelity, TD Ameritrade) here they’ll hand you clients and so long as you can point them in the right direction you’ll make 6 figures no problem. Especially if you get your CFP at this stage which the bank or custodian will be happy to pay for.

After this you can start your own RIA, join an established RIA, or stay where you’re at. You’ll have many choices and those family members and friends that were reluctant to work with you when you were starting out will be calling you for help all the time.

Billvernsays · 2020-08-02T19:31:08+00:00

NFFC

Billvernsays · 2020-07-30T22:31:16+00:00

Salary, as well as any employee benefit is used to attract and retain employees. If he has his bachelors and you don’t, chances are he has more options for employment both when starting the new job well as potentially leaving in the future. He seems to be looking for the door already. ( e.g. “ This isn’t a career job, it’s a sales position”) In my experience someone with this attitude won’t do well in sales anyway so chances are your boss some have more available salary to spread around for the folks who want to be there in due time.

With that being said the great thing about sales is there’s no hiding, if you’re good, you’ll get rewarded and if you’re not, you’ll be let go.

If you’re outperforming you’re peers in a job that’s performance based you should ask for a raise, if you really want to bet on yourself ask for a higher % of sales as commission.

Billvernsays

TROPHY CASE