Phillip James Financial Announces Move to New Plymouth, MN Office

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(Plymouth, MN) After a long buildout process, Phillip James Financial is proud to announce their new location in Plymouth, MN. Across the street from the Plymouth Lifetime Fitness, the move is to the thriving central business district of the city. “This is a big change from when we first started,” stated company co-founder James Sexton, CPA. “We were really bootstrapping back in 2010, most of the work was done from the living room of my personal residence or a local coffee shop.”

The founders’ relationship goes all the way back to grade school. James Sexton, CPA and Phillip Christenson, CFA went to local schools St. Vincent De Paul and Totino Grace before parting ways to go to rival universities. “After graduation, we both knew we didn’t want to work the standard 9-5 jobs,” continued Sexton. “We both had an interest in finance and the stock market so a wealth management firm was a natural fit. And with my background in tax we added tax preparation and planning as a complementary service.”

The small company quickly grew out of the home-startup phase as demand for their brand of financial planning took hold. They spent the early years at downtown virtual office and then a smaller physical office, both of which they quickly outgrew. “There are not a lot of other financial advisors that do what we do,” states Phillip Christenson, CFA. “We are a Fiduciary for every one of our clients and our financial planning process is very comprehensive. Other firms can’t replicate this.” The move provides enough room for the two co-founders and their two employees with plenty of room for future growth.

The company’s services include financial planning with a focus on retirement income as well as tax preparation and planning. By combining these disciplines into the core of what Phillip James offers, clients are able to get investment and tax advice all in one place not only providing convenience but a better wealth management service. Christenson elaborated, “Our motto is Investing with Purpose. This is because we build our clients’ investment portfolios around their goals and specific situation. We aren’t just trying to get the best return possible but trying to give our clients the best chance of achieving their goals.”

Regardless if a client needs retirement planning or the other financial services, Phillip James Financial offers, the new office is touted as being the only fee-only wealth management company in the city of Plymouth and made the move due to the large amount of growth experienced in 2016. They recently celebrated this milestone with a ribbon cutting at their new office with the Mayor of Plymouth, Kelli Slavik, as well as other prominent Plymouth Officials. Family and friends were also in attendance.


Phillip James Financial is an independent financial advisor. They provide fee-only financial planning and investment management company in Plymouth Minnesota.  They provide comprehensive financial planning, investment management, and tax preparation services all in one place. They are a Fiduciary, … Read More


The Victorian Who Constructed A Town

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Life ShortcutImportant! Textual content Message Automobiles (TMVs) solely happen once a day however Excessive Precedence Autos (HPVs) can pop up any number of instances while in Free Roam. The difference between the 2 is you make slightly more cash on HPVs (relying on injury) than you do with a TMV. Nonetheless, the danger is increased as a result of not like TMVs HPVs are highlighted on the map by a inexperienced automotive or bike icon. (Notice: Do not bother with Bikes they don’t sell for a lot.) Because of this highlight everyone in the foyer will be wanting to make some cash from it too. Luckily, this is not always the case and also you deliver these with out subject relying on how many individuals are in the Free Roam lobby and whether or not they care to hassle.

Can they be a terrific couple, enchanted with one another and taking one another to new experiences? Actually! Read more about shortcut key for snapshot in second life here. Spectacular Aquarius can take the Scorpion’s breath away with its fashion, sureness and grandiosity. Scorpio could be deeply highly effective and transfixing for the wild Aquarian. You possibly can see why a brief term relationship can be sparked like flint and stone. Since these are particular indicators and the mix of the 2 in romance makes them an intriguing and powerful duo, you will need to consider what they can do FOR one another, while we also take into consideration what challenges they might have getting along.

√ĘThen after that Enoch occurred to be recounting from the books. And Enoch stated, √ĘConcerning the children of righteousness, in regards to the elect ones of the world, and regarding the plant of fact, I will communicate this stuff, my youngsters, verily I, Enoch, myself, and allow you to know based on that which was revealed to me from the heavenly vision, that which I realized from the words of the holy angels, and understood from the heavenly tablets.

It’s edifying to read Prophet Enoch’s writings of his experiences with the Living God seeing he was following the pattern for salvation that God established during that point and how now being the final era before the rapture of the Church we are experiencing the Residing God according to the Pattern He set in Christ Jesus and as Enoch was translated into the bosom of the Father so additionally shall those that endure to the tip through covenant faith.

As to your second question Abigail, sleeping with ankle weights might barely assist tone your legs and stomach but only for the variety of instances you roll over in your sleep. Is it definitely worth the discomfort? I do not suppose so. You might as nicely, simply carry out a few rolling moves with them on in the course of the day and get a great evening’s sleep with out having nightmares about being caught in quicksand and things like that.… Read More


Why People Think Resources Are A Good Idea

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Student Loan Options: Let’s Talk About Student Loan Consolidation and Refinancing

You might be wondering how you can take some control of your student loans because it makes you feel powerless, but this is possible beyond what you actually think. Allow us to help you understand your options when it comes to student loans so you can make smart decisions and help you in achieving your financial goals. Do you want to either consolidate or refinance your student loans? What does it mean by student loan consolidation and refinancing? There are a lot of conflicting questions since these two terms are used interchangeably, but student loan consolidation is to combine multiple student loans into one with various results from federal government and a private lender. On the other hand, you can apply for a new loan which is refinancing, with a new set of terms and use it in paying off your existing one or more student loans.

When it comes to student loan consolidation, there are two types which are the federal loan consolidation and the private loan consolidation. The the government offers federal loan consolidation which applies to most types of federal loans wherein they are combined into a single loan with a new rate basing on your old loans’ rate weighted average. The advantages you can get by utilizing federal loan consolidation include fewer payments and bills to keep track each month, protection from paying higher rates, and lower monthly payments. Lowering your monthly payments may mean that your payment term is lengthened which means that you actually have to pay a higher interest over the life of your loan. Private loan consolidation is just similar to nature and benefits offered by federal loan consolidation. The difference between federal loan consolidation and private loan consolidation lies in the interest rate’s computation, wherein a private lender looks at your track record of how you handle your debt and other financial details, and will give you a new and lower interest rate on your consolidated loan. Private lender consolidation is, in fact, a type of refinancing your loan.

As previously noted, student loan refinancing is availing of a new loan to pay off one or more existing student loans. Having an improved financial situation before first signing the contract may allow you to avail of student loan refinancing at a lower interest rate. Through student loan refinancing, you are lowering your monthly payments, saving on the total interest, shortening the term of your debt so you can pay it sooner, choosing a variable and flexible interest rate loan, and be getting a consolidated and simplified bill. Before choosing between federal and private loans , keep in mind that there are benefits and protection offered by federal loans such as income-driven repayment plans that are not available to private lenders.… Read More


Why No One Talks About Funds Anymore

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While Paying Student Loans, Should You Buy A Home?

A lot of loans are considered to be a kind of investment. When you took your student loans, they were considered to be an investment in your education. Only if you are smart about it, financing a home can also be an investment for your future.

You may be able to get rid of your student loan debt altogether with the help of the Obama Student Loan Forgiveness Program. Taking advantage of this could also free you up for purchasing a house that you have always wanted.

Just because you don’t qualify for a loan forgive doesn’t mean you have to give up your dreams of owning a home. You just really need to be wise about it. Listed below are some of things that you might want to take into consideration.

Purchasing Vs Renting

Renting sometimes makes you feel like you’re throwing away your money on something that you won’t be able to call your own. You have to understand that you will be getting more than a mortgage payment when you decide to purchase a house of your own.

If you should just rent or actually buy your own house while still trying to pay off your student loans will be determined by a few factors, like:

> If you are planning to stay in your location at the moment

> If you have the money in your saving account or not

> The interest rates of your student loan

> The ratio of how much your debt is to how much you are earning

There are a lot of benefits in owning your own house. Before you pile in for more debts, make sure that you have already done enough research on the matter.

A Loan Forgiveness

Obviously, buying a house will become a lot easier if you have already eliminated your other debts.

A number of employment opportunities will be able to get you qualified for student loan forgiveness and give you benefits at the same time. For instance, public school teachers and other federal or state government jobs will be able to offer good retirement and health benefits that can save you a lot of money.

You may already be qualified for the loan forgiveness if you have a degree or career in any of the following:

>Medicine and Health

> Education Career or Degree

>Law Enforcement

>Public Service

Never Give Up!

Do not give up on your hope of home ownership even if you are not qualified for the loan forgiveness. There are a lot more ways in which you may own a house even while paying your student loans. All you have to do is search intently and never lose hope. … Read More


5 Takeaways That I Learned About Lenders

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How To Pay For Your Student Loans?

Due to the increase in tuition fees annually, it isn’t surprising to finish college with a boatload of debt. But here’s a fact, that burden of paying for your college debt is way, way greater than the stress and frustration of few weeks you spent preparing for finals. After walking off that stage and few months later, you’ll soon make payments like you’ve never before.

If there’s one debt that you want to settle, it is probably your student loans. Now, it has become your responsibility to do everything that you can do to settle your outstanding balance. Well the good thing is, you’re given with a grace period in not making payments however, the consequences could be brutal.

As what mentioned earlier, the consequences of disregarding your loan can be brutal and at the same time, life changing. It begins with somewhat low key but missing in your student loan repayment and you may soon start getting a letter and then calls. Miss making the second payment consecutively and rest assure that you’re going to receive constant phone calls as well as letters.

Also, there’s a possibility that your credit rating will take a hit because of your non-payment of the loan. You better expect your credit score to have a big drop to as much as a hundred points in the event that you are 3 months late on your payment. What is going to happen here is that, you’ll have a hard time when borrowing in the future. That is, the lending institution whether the borrowed amount is for a house or car, will charge you with high rate of interest or deny you credit if they figure out that you have poor credit rating.

Try not to pay loans for student for 9 months straight and you’ll go to what is called as delinquency. Say for example that you have federal student loans, the odds that you will be reported to debt collection agencies and the IRS as well is pretty high. You’ll be also eligible for liens and wage garnishments against your property and several other nasty arrangements.

In the event that you can’t make repayments after all your efforts, look to other options such as student loan forgiveness and let them know about your needs. By far, a proactive approach is what most lending institutions prefer. Here, it is smart that you set up a meeting if you can and meet someone in person. Inform them about your current financial situation and let them know that you’re struggling to make payments of your debt.

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Options – Getting Started & Next Steps

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Be on the Path to a Comfortable Future

Even though most people direct efforts to improving their investment portfolio, setting timeless for investing, waiting and reaping is ways advisable. Time is an element in any decision that you make. It will be easy to develop a plan after thinking of your current needs and your future needs. The problem here comes with developing priorities and distribution of resources. While it is easier to plan for the future while a youth, most people start their retirement plans later. It is the operation of the life clock which notifies people of their responsibility once time comes. It is, however, safe to act in time rather than on time. This is a setback that most people experience. The role of a financial advisor is to help you overcome such challenges as well as train you on how to pal from a comfortable future.

There are some issues that a financial advisor will look into when advising you on how to plan for a comfortable future. One of the fundamental item to focus on is your current income. It encompasses incomes from salaries, dividends, royalties, and dividends. With the aggregate income figures, it will be easy to distribute among current consumption, savings and invest. The better it is if you can save and invest more. This should be viewed as a ratio that nominal figures.

Your portfolio growth is hurt when you spend a lot and save little. It translates to lower spending power after retirement. The impact will be in nominal as well in relative terms. The implication of relative terms means that you will have little to support the current lifestyle.

Investing in different portfolios allows you to spread risk and increase returns. Seeking advice is prudent when you don’t have the skills to analyze the ROI and future current value. The financial advisor allows you to learn what you will get in say ten years time for any particular portfolio. Considering that the financial industry is characterized by uncertainty, you want to reduce volatility of your investments. The advisor will critically look at the past trends and current trends then advise you how to diversify profitably.

The wealth accumulated in lifetime can provide a rock to rest in during old age. The most important factor to consider here is the future value of the asset It is mostly important to consider whether the asset will depreciate, appreciate or even become obsolete. The expert can help you project on the future value of assets and help you plan for a comfortable future. There is no time that is too early or too late unless you fail to do something.… Read More