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Common types of investment advisors you can hire

Common types of investment advisors you can hire

Financial planning is a daunting and technically challenging task. Its execution is more difficult without the help of a professional. And that is one of the main reasons why you should find individual consultants and advisory agencies alike to help guide you for proper compliance with regulatory agencies. It doesn’t matter if you are an individual or own and run a business organization, the following certified professionals rank highly among the best investment advisors in the country, representing your case.

Certified Financial Planner (CFP)
For a broad range of investment services, you can consult with a Certified Financial Planner. These professionals have a general understanding of all investment and financial portfolios. CFPs help in holistic planning and execution of the financial plan to generate the maximum rate of return by diversifying your investment. Generally, CFPs are qualified to provide sound investment advice for taxation, insurance, estate, and retirement planning. Note that CFPs must take several exams and stay up to date, especially in their areas of specialization to provide certain niche planning and advisory services. Armed with all the technical expertise and the latest know-how about financial services, CFPs rank at the number one position among best investment advisors.

Certified Public Accountant (CPA)
CPAs are experts in taxes and accounting. They provide a niche range of advisory services for individuals and organizations alike for filing and reporting compliance. In today’s day and age of business, clients demand financial transparency at all times. A qualified CPA can audit the books of accounts of their clients, file statements with regulating authorities, including the Securities and Exchange Commission (SEC) or the Internal Revenue Service (IRS), and manage tax returns. Since they are qualified to provide exclusive financial advice, especially for disclosures, CPAs are your top pick when it comes to choose the best investment advisors for compliance services. Often, large corporations and organizations employ general accountants in-house to handle all the calculations and further employ the services of CPAs for further due diligence. They check for transparency, compliance and handle the filing, submission, and requirements set forth by regulating authorities.

Registered Investment Advisor (RIA)
Any person who has previously registered with a regulatory body (for example, a division of the SEC) and today provides consultancy and advisory services is considered as an RIA representative. Note that the sole purpose of an RIA is to provide investment consultancy and not facilitate the tasks necessary to invest. They offer sound guidance on how individuals or organizations can go about their finances and merely direct them to people who provide the niche services to make it happen.

Agents
Apart from the best investment advisors you can hire for consultation, insurance agents, and bankers also offer their expertise in niche advisory services. Note that these agents are licensed by a regulating authority to sell and assist in the purchase of investments. These include bonds, shares, different types of insurance, and annuities for long term financial planning. Agents and brokers offer consultancy services, in particular, but not comprehensive financial planning.

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Stay at the top of your health game with these 4 tips

Stay at the top of your health game with these 4 tips

Think of the human body as a car. Pouring the cheapest gasoline (unhealthy food) in a car can damage the engine (bodily organs). Instead, if you can take care of yourself by committing to fitness via proper nutrition, it can take you a long way. In a recent study, it was found that approximately 55 percent of people derive daily calories from refined and processed foods. This can be counterproductive as these foods are full of unhealthy fats and devoid of essential nutrients. How are fitness and nutrition related to each other? Fitness and nutrition go hand in hand. Consuming foods containing healthy nutrients enables your body to function in a way conducive to physical and mental well-being. You may find yourself becoming more active, and burning calories off in a healthy manner. If you continue to maintain an exercise routine without getting adequate nutrition, it will have an adverse effect. So, here are some useful tips that can help you to be at the top of your health game: Keep a tab on your calories This is one of the smartest tips to stay healthy. Several diet plans focus on the number of calories that need to be eaten each day.
7 facts everyone must know about gout

7 facts everyone must know about gout

Affecting an incredible eight million-plus people in the United States, Gout is a serious form of arthritis that causes insurmountable pain in the joints. The condition, which is one of the oldest prevailing medical illness in society, develops due to the accumulation of uric acid in the joints, mostly troubling overweight adults and men. Delving further, here are seven must-know facts about this condition. In women, it is more common after menopause Gout basically occurs due to the accumulation of uric acid, which then forms needle-shaped structures in the joints and leads to pain, inflammation, and redness. Estrogen, a hormone found in women, naturally leads to uric acid being released through urine. However, after menopause, their estrogen levels start to drop, which makes the uric acid content in their blood rise. Gout can take birth even with normal levels of uric acid While most patients suffering from gout have a high concentration of uric acid in their bloodstream, some gout attacks can even occur with normal uric acid levels — a rare condition termed as asymptomatic hyperuricemia. Alcohol increases its risk Along with meat, fish, and poultry, alcohol consumption drastically increases the chances of developing gout. This is because alcohol has a high content of purine, a chemical compound that breaks down into urea in the body.
Top 4 reasons for unnatural hair loss patterns

Top 4 reasons for unnatural hair loss patterns

Hair loss is a natural process that automatically gets rid of old tissue and hair to promote new growth. So don’t be alarmed when you do find a few strands of hair tangled in your comb. However, a clearly visible scalp and a receding hairline are indicative of developing the problem of permanent hair loss. There are several internal and external factors that can accelerate hair fall, leading to pattern baldness in both men and women. Here are the top four reasons that trigger unnatural hair fall. Stress Stress ranks among the top risk factors associated with many medical conditions. In fact, one way or the other, taking physical or psychological stress harms the body more than you can imagine. For hair loss, especially, excessive shedding starts right after the body undergoes physical or psychological distress. A few examples include experiencing high fever, blood loss due to accident or injury, or even post-surgery recovery can result in stress that causes hair loss. Stress, coupled with anxiety, results in accelerated hair loss. To cope with this problem and reduce its effects, stress management is of crucial importance. Hormonal changes Men and women both experience hormonal changes throughout their lifetime. However, an imbalance associated with various conditions can trigger hair loss.
Learn about these 3 types of hearing loss

Learn about these 3 types of hearing loss

Hearing loss, deafness, or impairment is the partial or total inability to hear sounds. People with low to moderate hearing impairment face challenges in understanding what the other person is saying in a noisy environment. Whereas, people with severe deafness cannot hear anything, and rely completely on lip-reading and sign language skills. There are three main types of hearing loss: sensorineural, conductive, and a combination of both. Let’s understand these types in detail and learn about the causes, symptoms, and treatments of each type. Sensorineural hearing loss It’s the most common type of hearing loss. Sensorineural is permanent hearing loss often caused by damage to the tiny hair cells that line the inner ear or the auditory nerve. The damage stops or weakens the transfers of nerve signals to the brain. These signals are essentially the intensity and clarity of sounds. Causes: Aging and exposure to loud noises for a long period of time are the most common cause of the damage. Certain medications and illnesses can also increase risks. It can even be genetic, and pass on to the child in the mother’s womb. Treatment: There is no medical or surgical treatment available to repair the tiny hair cells once they’re damaged.
Simple lifestyle changes that reduce the risk of heart diseases

Simple lifestyle changes that reduce the risk of heart diseases

The heart is the most crucial organ in the body and as the system will cease to function if the heart stops or loses momentum pumping fresh oxygenated blood. This is why it is vital to not neglect your heart health at all and responsibly maintain a healthy, stress-free, and more importantly, a happy lifestyle. Here are a few simple lifestyle changes that will help support a healthy heart function. Switch to a healthy diet Avoid eating foods that are rich in trans and saturated fats. Most foods you find on the shelves of the supermarket contain large quantities of one or the other. Instead, switch to low-fat high fiber alternatives to help manage cholesterol. Maintaining a healthy cholesterol level in the body automatically reduces the risk of heart diseases. The simple reason for this is that fats that normally block major arteries and blood vessels are eliminated from these foods choices. It is also advisable to limit the salt (sodium) intake to control blood pressure and sugar to reduce the risk of diabetes simultaneously. Change certain lifestyle habits Reduce the number of alcoholic or carbonated drinks you have regularly. For men, it is advisable to have not more than two drinks and day and women must have only one.

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