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Robert Cenko | Blog

Creating a Personalized Financial Plan

Creating a Personalized Financial Plan

A financial plan is like a roadmap for a person or organization to attain its objectives. Such a plan takes into consideration the existing financial situation and develops a detailed strategy as per the individual’s primary goals, directing them where exactly to put...

Concentrated vs. Diversified Portfolios

Concentrated vs. Diversified Portfolios

A diversified portfolio refers to a portfolio containing different investment assets in balance. The idea is that an investor would include both stocks and bonds, for example. On the other hand, a concentrated portfolio refers to a portfolio that contains investments...

How to Choose a Financial Advisor

How to Choose a Financial Advisor

Choosing a financial advisor to manage your money can be confusing. There are varying opinions on the best strategies for different investors and how long to stay with an advisor. You may wonder what questions you should ask your potential advisor or if it is worth...

Rolling A 401K Into An IRA

Rolling A 401K Into An IRA

It's a rare event to stay in one job, one career path for one's entire work career. When you're in your twenties and thirties, you may not give a second thought to that money your employer has nicely tucked aside for you in a retirement plan, but as you near your...

Teaching Children Financial Literacy

Teaching Children Financial Literacy

Financial literacy among children Financial literacy is the ability to make informed, intelligent decisions directing one's money, time, and other resources. It includes understanding the importance of budgeting, getting out of debt, and saving for retirement, among...

Social Security Basics to Know

Social Security Basics to Know

Social Security is the bedrock of retirement income for many Americans. This guide will help you with some of the basics that have to do with saving for your retirement years. Educating yourself will ensure you get the maximum retirement benefit amount you are...

Financial Resolutions You Can Stick With

Financial Resolutions You Can Stick With

New Year’s is a time of goal setting. Unfortunately, less than half of those who make New Year’s resolutions keep them. A recent study suggests that planning increases the chances of success. Think about your goals and why you wish to achieve them. Devise a plan and...

Tips for Long Term Investing

Tips for Long Term Investing

Investing is a process that takes time and patience. Many investors have been successful in the long term, but just as many have lost everything. It's important to know what you're doing before you start investing your money. You don't want to lose it all because of...

Saving for Your Child’s Future

Saving for Your Child’s Future

Being a parent comes with a large amount of stress, one of them being the child's future. When it comes to planning their college career- the earlier, the better. Starting a fund when the child is born will allow for the most opportunity to build a solid amount of...

How to Build an Emergency Fund

How to Build an Emergency Fund

Life is nothing if not unpredictable. It is prudent to have emergency funds available quickly if needed during a crisis. While it makes sense logically, people may not know how to go about building their emergency fund. Having a plan will make the process far easier....