About . . .
- Steve Nearman
Our Professionals Offer . . .
- Investment Advice
- Life Insurance
- Health / Dental Insurance
- Disability Insurance
- Long Term Care Insurance
- Retirement Plans / Planning
- College Funding
- Comprehensive Financial
- Income Tax Preparation
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BudgetingIt seems that most Americans do not have a budget for their finances. Our experience with clients since 1987 has proven that few people actually know how much money they spend each month or even how much they earn on a monthly basis.
We basically pay the bills and hope there is money left in the savings/checking accounts.
Budgeting is a process where one plans for upcoming income and expenses. It is not a strait-jacket, it is a guide. Budgeting helps us plan for critical future inflows and outflows of money and allows us to truly track where our money goes.
Realize that spending $5 a day every day of the year totals $1,825 in one year, and $18,250 in 10 years, not including interest and/or investment gain. This is not to say that you shouldn’t spend $5 per day eating out or buying designer coffee or whatever it is that you like to do on a daily basis, but just know that these things can and do add up and will take resources from your total assets, such as retirement monies.
We help our clients develop and analyze their budget, looking for ways to increase revenue and decrease expenses. While most people look to financial advisors to make them money, financial advisors should also help clients find ways to save money.
Our experience has shown that in all walks of life, when you develop and share your plan with another person, you tend to feel more accountable to adhering to the plan and succeeding with it.
Isn’t time for you to stop winging it and get a plan for success?
1005 Cameron Street
Alexandria, VA 22314
Neither the information nor any opinion contained on this website constitutes a solicitation or offer by Nearman Financial Consulting Inc. or any entity named in this website to buy or sell any insurance, financial securities or investment products or services.
Securities offered through Representatives of Lincoln Financial Securities Corporation, Member FINRA and SIPC to residents of the District of Columbia and the states of Virginia, Maryland, West Virginia, Alabama, New Jersey, New York, North Carolina, Georgia, Florida, Arizona, Pennsylvania, Massachusetts and California. Advisory services are offered to residents of Virginia through representatives of Lincoln Financial Securities Corporation. Nearman Financial Consulting Inc. and Lincoln Financial Securities Corporation are not affiliated. In California, insurance may be offered through LFS Marketing & Insurance Sales Corporation. Some life insurance and annuity policies involved exclusions or limitations. For costs and complete details of coverage, contact your agent.