Is a Gold IRA the Best Investment for a Senior Citizen?

Investing can be a daunting prospect, especially for seniors who are approaching retirement or are already in their golden years. One investment option that often garners attention is the Gold Individual Retirement Account (IRA). But is a Gold IRA the best choice for senior citizens who may be less familiar with investing? In this article, we will break down the basics of a Gold IRA, discuss its advantages and disadvantages, and help you make an informed decision.

Understanding the Basics

Before we delve into the specifics, let’s start with the basics. An IRA, or Individual Retirement Account, is a tax-advantaged savings account designed to help individuals save for retirement. Traditional IRAs and Roth IRAs are more common, but a Gold IRA is a unique type that allows you to invest in physical gold, silver, platinum, or palladium.

Advantages of a Gold IRA

  1. Diversification: One of the primary advantages of a Gold IRA is diversification. Diversifying your retirement portfolio means spreading your investments across different asset classes to reduce risk. Gold, historically, has had a low correlation with stocks and bonds, making it a valuable addition to a retirement portfolio.
  2. Hedge Against Inflation: Gold has been a reliable hedge against inflation. When the purchasing power of your money declines due to inflation, the value of gold often rises. This can help preserve your wealth and purchasing power during retirement.
  3. Tangible Asset: Unlike stocks or bonds, physical gold is a tangible asset. You can hold it in your hands, and it doesn’t rely on the performance of a company or government. This can provide a sense of security, especially during economic uncertainties.
  4. Tax Benefits: Like traditional IRAs, Gold IRAs offer tax advantages. Depending on the type of Gold IRA you choose, contributions may be tax-deductible, and gains can grow tax-deferred or even tax-free.

Disadvantages of a Gold IRA

  1. Storage and Costs: Storing physical gold can be expensive and may involve fees for secure storage facilities. These costs can eat into your returns, so it’s essential to factor them into your investment decision.
  2. Volatility: While gold is seen as a safe haven asset, its price can be volatile. It doesn’t provide a guaranteed income stream like some other retirement investments, such as annuities or bonds.
  3. Limited Growth Potential: Gold’s long-term growth potential may not be as high as that of stocks or other riskier assets. This means you may miss out on potential gains by allocating a significant portion of your retirement savings to gold.
  4. Lack of Income: Unlike dividend-paying stocks or bonds, gold doesn’t generate income. If you rely on your investments for regular income during retirement, this could be a drawback.

Now that we have gone over the gold IRA pros and cons, let’s continue to learn more about these unique accounts.

Is a Gold IRA Right for You?

Deciding whether a Gold IRA is the best investment for you as a senior citizen depends on your individual financial goals, risk tolerance, and retirement timeline. Here are a few key considerations:

  1. Diversification: If you already have a diversified retirement portfolio, adding a small percentage of gold could enhance your diversification.
  2. Risk Tolerance: Consider your comfort with market volatility. Gold can be a stabilizing factor in a portfolio, but it can also experience price swings.
  3. Time Horizon: Your age and how long you plan to keep your investments can affect your decision. The longer your time horizon, the more potential there is for gold to benefit your portfolio.
  4. Consult a Financial Advisor: It’s essential to consult a financial advisor who can assess your individual circumstances and help you make an informed decision that aligns with your retirement goals.

How to Convert Your IRA to a Gold IRA

If you’re interested in diversifying your retirement portfolio by moving an existing Individual Retirement Account (IRA) to a Gold IRA, you can transfer your IRA to gold through a process called a “rollover” or a “transfer.” Here’s a step-by-step guide on how to make this transition:

Research and Choose a Custodian:

Before proceeding, you need to select a reputable custodian or trustee for your Gold IRA. Not all financial institutions offer Gold IRAs, so it’s crucial to research and find one that specializes in precious metals. Ensure that the custodian is approved by the IRS to handle such transactions.

Open a Gold IRA Account:

Once you’ve chosen a custodian, contact them to open a Gold IRA account. This will involve filling out paperwork, providing necessary identification, and agreeing to the terms and conditions of the account.

Fund Your Gold IRA:

There are two primary methods to fund your new Gold IRA:

Direct Transfer: In a direct transfer, the funds from your existing IRA are moved directly to the Gold IRA custodian. This method is not considered a distribution, so it doesn’t trigger taxes or penalties. The custodian will assist you in initiating the transfer, which typically involves paperwork to be completed by both custodians.

60-Day Rollover: In this method, you request a distribution from your existing IRA, and then you have 60 days to deposit the funds into your new Gold IRA. If you miss this deadline, the IRS may consider it a taxable distribution, subject to penalties and taxes. It’s important to be cautious with this option to avoid unintentional tax consequences.

Choose Your Precious Metals:

Your Gold IRA custodian will have guidelines regarding the types of precious metals you can hold in your account. They can help you select suitable gold, silver, platinum, or palladium coins or bars that meet IRS requirements.

Storage and Fees:

Your chosen custodian will provide secure storage for your precious metals. Be aware of any storage fees associated with your Gold IRA, as they can vary among custodians. These fees may include storage, insurance, and administrative charges.

Review and Monitor Your Investment:

Once your Gold IRA is funded and established, keep a close eye on your investment. Precious metals can be subject to price fluctuations, so regular monitoring is advisable. Consider consulting with a financial advisor to ensure that your overall retirement portfolio remains aligned with your financial goals.

IRS Reporting:

It’s essential to maintain accurate records of your Gold IRA transactions for tax purposes. The custodian will provide annual statements and report any required information to the IRS.

Conclusion

While a Gold IRA can be a valuable addition to a retirement portfolio, it’s not a one-size-fits-all solution. Senior citizens considering this investment option should weigh the pros and cons carefully, taking into account their financial situation, risk tolerance, and retirement goals. Consulting with a financial advisor can provide the guidance needed to make an informed decision. Ultimately, the best investment for a senior citizen depends on their unique circumstances and objectives.

What is the Truth About Gold IRAs?

Investing can be a daunting prospect, especially if you’re just starting out with little to no knowledge about financial markets and investment options. One investment avenue that often piques the interest of beginners is the Gold IRA. In this article, we will demystify the concept of Gold IRAs, providing you with a clear understanding of what they are, how they work, and their potential benefits and drawbacks.

What is a Gold IRA?

A Gold IRA, short for Individual Retirement Account, is a specialized retirement account that allows individuals to hold physical gold and other precious metals as assets within their retirement portfolio. Unlike traditional IRAs that primarily consist of stocks, bonds, and mutual funds, a Gold IRA focuses on tangible assets like gold bars, coins, and other valuable metals.

How Does a Gold IRA Work?

  1. Open a Self-Directed IRA: To invest in gold, you’ll first need to open a self-directed IRA with a custodian or trustee who allows alternative investments like precious metals. This is where your gold assets will be stored.
  2. Purchase Precious Metals: After setting up your Gold IRA, you can buy approved gold and other precious metals through your IRA. The purchased metals are then stored in a secure, IRS-approved depository.
  3. Storage and Maintenance: It’s important to note that you won’t physically possess the gold in your Gold IRA; it will be stored in a secure facility on your behalf. The custodian will handle all the logistics of storing, insuring, and maintaining your precious metals.

The Benefits of Gold IRAs

  1. Diversification: Gold IRAs provide a way to diversify your retirement portfolio. Diversification can help reduce risk, as gold often has a low correlation with traditional financial assets like stocks and bonds.
  2. Hedge Against Inflation: Gold is often considered a hedge against inflation. During periods of economic uncertainty or rising inflation, the value of gold tends to increase, potentially preserving your purchasing power.
  3. Tax Advantages: Like traditional IRAs https://www.usbank.com/retirement-planning/financial-perspectives/benefits-of-an-ira.html, Gold IRAs offer tax benefits. Depending on the type of Gold IRA you choose, you may enjoy tax-deferred or tax-free growth on your investments.

The Drawbacks of Gold IRAs

  1. No Guaranteed Returns: While gold can be a hedge against economic downturns, it doesn’t guarantee returns like interest-bearing investments. The value of gold can be volatile and may not always perform well.
  2. Storage Costs: Storing physical gold requires secure facilities, which can incur storage fees. These fees may eat into your potential returns.
  3. Complexity: Managing a Gold IRA can be more complex than a traditional retirement account. You need to understand the IRS rules and regulations governing these accounts and choose a reputable custodian.

Is a Gold IRA Right for You?

You may be wondering, “Is a gold IRA the best investment for a senior citizen?”  Well, deciding whether a Gold IRA is suitable for you depends on your individual financial goals and risk tolerance. Here are some factors to consider:

  1. Risk Tolerance: If you’re risk-averse and want to protect your retirement savings from economic uncertainties, a Gold IRA may be a good fit.
  2. Diversification: If you’re looking to diversify your portfolio and already have traditional investments, adding gold can be a way to spread risk.
  3. Long-Term Perspective: Gold is often seen as a long-term investment. If you’re planning for retirement, a Gold IRA might align with your long-term goals.
  4. Consult a Financial Advisor: Before making any investment decisions, it’s wise to consult with a qualified financial advisor who can assess your specific financial situation and help you make informed choices.

Strategies for Choosing the Right Gold IRA Company

Investing in a Gold IRA can be a prudent move to protect your retirement savings and diversify your portfolio. However, selecting the right Gold IRA company is crucial to ensure a secure and hassle-free investment experience and you can start by reading this Lear Capital review. Now, in this guide, we’ll outline some key strategies to help you choose the best Gold IRA company for your needs.

Research and Due Diligence

Before you commit to any Gold IRA company, take the time to research and perform due diligence. Here’s what you should look for:

  • Reputation: Check the company’s reputation and history. Look for reviews and ratings from independent sources and previous customers. Trustworthy Gold IRA companies will have a solid track record of customer satisfaction.
  • Regulations and Compliance: Ensure that the company adheres to all IRS regulations and requirements for Gold IRAs. A reputable company should be transparent about its compliance with tax laws and storage regulations.
  • Accreditations: Look for accreditations from industry organizations like the Better Business Bureau (BBB) or the Business Consumer Alliance (BCA). These affiliations can indicate a commitment to ethical business practices.

Precious Metals Offered

Different Gold IRA companies may offer various types of precious metals. Consider your investment goals and preferences when evaluating their offerings. Commonly accepted metals include gold, silver, platinum, and palladium. Make sure the company provides a range of options to diversify your holdings.

Storage Options and Security

One of the critical aspects of a Gold IRA is the secure storage of your precious metals. Inquire about the company’s storage facilities, security measures, and insurance coverage. The storage should be in IRS-approved depositories with a strong track record of safeguarding clients’ assets.

Fees and Costs

Understand the fee structure of the Gold IRA company. Fees can significantly impact your overall returns. Common fees include:

  • Storage Fees: Costs associated with storing your precious metals.
  • Annual Maintenance Fees: Administrative fees for maintaining your account.
  • Purchase and Sale Fees: Charges for buying and selling precious metals within your IRA.

Make sure the company provides a clear breakdown of fees, and compare these costs with other reputable Gold IRA providers.

Customer Service and Support

Good customer service is crucial when dealing with your retirement investments. Consider the responsiveness, availability, and helpfulness of the Gold IRA company’s customer support team. They should be able to address your questions and concerns promptly.

Transparency and Education

A reputable Gold IRA company should be transparent about the entire process and provide educational resources for its clients. Look for companies that offer information about Gold IRAs, the IRS rules and regulations, and investment strategies. Transparency in pricing and policies is also essential.

Flexibility and Accessibility

Evaluate the flexibility of the Gold IRA company’s services. Can you make contributions, withdrawals, or changes to your investment easily? Is the online platform user-friendly? Choose a company that offers convenience and accessibility.

Recommendations and Referrals

Seek recommendations from trusted financial professionals or friends who have experience with Gold IRAs. They can provide insights and referrals to reputable companies they have worked with.

Get Multiple Quotes

Don’t rush into a decision. Obtain quotes and information from multiple Gold IRA companies. Compare their offerings, fees, and terms to make an informed choice.

Consult with a Financial Advisor

Before finalizing your decision, consult with a certified financial advisor who specializes in retirement planning and precious metal investments. They can provide personalized guidance based on your financial goals and risk tolerance.

Conclusion

In conclusion, a Gold IRA can be an intriguing option for those looking to add diversity and stability to their retirement portfolios. However, it’s essential to understand the risks, costs, and benefits associated with this type of investment. Careful consideration, along with guidance from a financial professional, can help you determine whether a Gold IRA aligns with your financial goals and risk tolerance. Remember that investing always carries some level of risk, and it’s crucial to make informed decisions that suit your individual circumstances.…

What is the most trusted place to buy gold and silver?

In an increasingly uncertain world, investors and individuals seek to diversify their portfolios and safeguard their wealth through precious metals like gold and silver. These timeless assets have historically proven their ability to retain value and act as a hedge against economic volatility. However, the question arises: where is the most trusted place to buy gold and silver? In this article, we delve into the factors that contribute to trustworthiness in the precious metals market and explore some of the most reliable sources for purchasing these valuable commodities.

Understanding Trustworthiness in Precious Metals Market:

Before diving into specific sources, it’s crucial to understand the elements that contribute to trustworthiness when buying gold and silver. These factors include:

  1. Transparency and Information: Trust is built on clear and transparent communication. A reliable gold and silver dealer should provide comprehensive information about the products they offer, including purity, weight, and pricing. Detailed descriptions and clear terms and conditions demonstrate a commitment to transparency.
  2. Authentication and Certification: Reputable dealers often sell gold and silver that have been authenticated and certified by recognized institutions. These certifications ensure the authenticity and quality of the precious metals being sold.
  3. Track Record and Reputation: A history of ethical practices, customer satisfaction, and positive reviews from both individual investors and industry experts contribute to a dealer’s credibility.
  4. Secure Transactions: Trustworthy sources prioritize secure transactions. This includes encrypted online platforms, secure payment methods, and proper documentation for purchases.
  5. Customer Support: Responsive and knowledgeable customer support demonstrates a dealer’s commitment to providing a seamless buying experience and addressing customer concerns.

Most Trusted Places to Buy Gold and Silver:

Several sources stand out as the most trusted places to buy gold and silver. These include:

  1. Reputable Bullion Dealers: Established bullion dealers like JM Bullion, APMEX, and Kitco have earned trust through years of providing quality products and excellent customer service. They offer a wide range of gold and silver products, often with certifications, and maintain transparent pricing and purchasing processes.
  2. Government Mints: Government mints, such as the United States Mint, the Royal Canadian Mint, and the Perth Mint, are known for producing high-quality gold and silver coins with guaranteed authenticity. These mints often have a long history of reliable production and adhere to strict quality standards.
  3. Local Coin Shops: Local coin shops can also be reliable sources, especially if they have a positive reputation within the community. Visiting these shops allows you to examine products in person and discuss your purchasing decisions with experienced professionals.
  4. Online Precious Metals Retailers: Many reputable online retailers specialize in precious metals. These platforms provide detailed product information, certifications, and secure payment options. Researching reviews and checking for secure website indicators (like SSL encryption) is essential when buying online.
  5. Auction Houses: For experienced investors, auction houses can be trusted places to buy rare and collectible gold and silver items. These auctions are often overseen by experts and offer a chance to acquire unique pieces with potential numismatic value.

Conclusion:

When considering where to buy gold and silver, trustworthiness is of paramount importance. Reputable sources exhibit transparency, authentication, a positive track record, secure transactions, and reliable customer support. Established bullion dealers, government mints, local coin shops, online precious metals retailers, and auction houses are among the most trusted places to purchase these precious metals. However, regardless of the source, conducting thorough research, reading customer reviews, and verifying certifications remain crucial steps in ensuring a secure and trustworthy buying experience. By making informed decisions, investors and individuals can confidently acquire gold and silver as a valuable addition to their financial portfolios.…

What is a 401k to Gold IRA Rollover?

Planning for retirement is a crucial financial endeavor that demands careful consideration of various investment options. One such option gaining prominence in recent years is the 401(k) to Gold IRA rollover. This financial maneuver involves transferring funds from a traditional 401(k) retirement account into a Gold Individual Retirement Account (IRA). This article will delve into the intricacies of this process, highlighting its pros and cons.

What is a 401(k) to Gold IRA Rollover?

A 401(k) to Gold IRA rollover is a financial strategy that allows individuals to move funds from their existing 401(k) retirement account, which typically consists of stocks, bonds, and mutual funds, into a Gold IRA. A Gold IRA, also known as a Precious Metals IRA, permits investment in physical precious metals such as gold, silver, platinum, and palladium. This strategy is often chosen by individuals seeking to diversify their retirement portfolio and hedge against economic volatility.

Pros of a 401(k) to Gold IRA Rollover:

  1. Diversification: Gold has historically demonstrated low correlation with traditional financial markets like stocks and bonds. Adding gold to a retirement portfolio through a Gold IRA can potentially enhance diversification, reducing overall portfolio risk.
  2. Wealth Preservation: Precious metals like gold have been regarded as a store of value for centuries. During times of economic uncertainty or currency devaluation, gold’s value tends to hold steady or even increase, which can provide a degree of wealth preservation.
  3. Inflation Hedge: Gold has often served as a hedge against inflation. As the value of fiat currencies decreases due to inflation, the value of gold may rise, helping to offset the erosion of purchasing power.
  4. Tangible Asset: Unlike stocks and bonds, gold is a physical asset that you can hold in your hand. This tangibility can provide a sense of security, especially for those who are wary of purely digital investments.
  5. Tax Advantages: The rollover process from a 401(k) to a Gold IRA can often be executed as a tax-free transaction, if done properly. This can help individuals avoid immediate tax liabilities.

Cons of a 401(k) to Gold IRA Rollover:

  1. Lack of Income Generation: Unlike stocks or bonds, gold does not generate income in the form of dividends or interest. This can be a drawback for those who rely on regular income from their retirement investments.
  2. Volatility: While gold is generally considered a stable investment, it is not immune to price volatility. Its value can fluctuate in response to a variety of factors, including geopolitical events and changes in supply and demand.
  3. Storage and Custodial Fees: Physical precious metals need to be stored securely, often requiring the use of specialized storage facilities. These storage services come with associated fees that can eat into potential gains.
  4. Limited Growth Potential: Unlike investments in stocks or other assets that can experience significant growth, the value of gold tends to increase at a more moderate pace over the long term.
  5. Market Timing Challenges: Timing the market correctly is difficult, whether you’re investing in stocks or gold. Trying to predict the optimal time to buy or sell gold can be challenging and may lead to missed opportunities or losses.

Conclusion:

The decision to execute a 401(k) to Gold IRA rollover is a complex one that depends on an individual’s financial goals, risk tolerance, and market outlook. While a Gold IRA can offer diversification, wealth preservation, and protection against inflation, it also presents challenges such as lack of income generation and potential price volatility. As with any financial decision, seeking advice from qualified financial advisors and conducting thorough research is crucial before embarking on a 401(k) to Gold IRA rollover journey.

Related Articles:

Is a Gold IRA the Best Investment for a Senior Citizen?

What is the Truth About Gold IRAs?

What does it mean to be IRA approved gold?

Can you invest in commodities on TD Ameritrade?

Is Gold Alliance a reputable company?

Can You Buy Gold Bars from Your Local Bank?

Gold has been a symbol of wealth and value for centuries, and many investors and collectors seek to include this precious metal in their portfolios. The idea of purchasing gold bars from a local bank might seem appealing, but the reality is more nuanced. While it’s possible to buy gold bars, your ability to do so at a local bank can vary depending on several factors. In this article, we will delve into the intricacies of buying gold bars from local banks.

Understanding the Basics of Gold Bars:

Gold bars, also known as gold bullion, are rectangular pieces of refined gold with high purity. They are typically produced by government mints, private refineries, or financial institutions. Gold bars come in various sizes, ranging from small bars that can fit in your hand to larger ones that weigh several kilograms. The value of a gold bar is primarily determined by its weight and purity.

Buying Gold Bars from Local Banks:

In theory, it might seem logical to assume that you could walk into your local bank and purchase gold bars just like any other financial transaction. However, the reality is a bit more complex. While some banks in certain countries offer gold-related services, the availability of physical gold bars for purchase can be limited.

Factors Affecting the Availability:

  1. Geographical Location: The availability of gold bars in local banks can vary greatly based on your geographical location. Countries with a strong gold trading culture or significant gold reserves might be more likely to offer gold bars for purchase at local financial institutions.
  2. Bank Policies: Even within a country, not all banks will offer gold bars for sale. It depends on the individual bank’s policies and business focus. Some banks may specialize in precious metals trading and offer gold bars, while others may not.
  3. Regulations and Licensing: Selling physical gold bars involves adherence to various financial regulations and licensing requirements. Banks need to comply with these regulations, which can vary from country to country and even within different regions of a country.
  4. Storage and Security: Dealing with physical gold bars also involves the challenge of secure storage. Banks need appropriate facilities to store these valuable items securely, which may not be available in all branches.

Alternatives to Buying Gold Bars from Local Banks:

If your local bank doesn’t offer gold bars for purchase, there are alternative ways to invest in gold:

  1. Online Precious Metals Dealers: Many online platforms specialize in buying and selling precious metals, including gold bars. These platforms offer a wide range of options in terms of bar sizes, purity levels, and manufacturers.
  2. Specialized Bullion Dealers: In some regions, there are dedicated bullion dealers or precious metals shops that provide a variety of gold bars for sale. These dealers often have a more extensive selection and expertise in the field.
  3. Gold ETFs and Funds: If you’re not interested in owning physical gold, you can invest in gold through Exchange-Traded Funds (ETFs) or mutual funds that track the price of gold. These investment vehicles offer exposure to gold’s price movements without the need for physical storage.
  4. Numismatic Coins: Some collectors prefer to invest in rare and historically significant gold coins rather than standard gold bars. These coins often have additional value due to their rarity and historical context.

Conclusion:

While the idea of buying gold bars from your local bank might be appealing, it’s not a universal reality. The availability of gold bars for purchase in local banks depends on various factors such as geographical location, bank policies, regulations, and storage capabilities. In many cases, individuals interested in acquiring gold bars might need to explore alternative options, such as online precious metals dealers, specialized bullion dealers, or investment vehicles like gold ETFs. It’s essential to conduct thorough research and consider your investment goals and preferences before deciding how to add gold to your portfolio.…

How to Choose an Asset Manager: A Comprehensive Guide

Investing in assets like stocks, bonds, real estate, or commodities can be a complex and time-consuming task. Many people opt to work with a professional asset manager to oversee their investment portfolio and make financial decisions on their behalf. An asset manager can help you achieve your financial goals, whether that means growing your wealth, saving for retirement, or ensuring financial stability for your family. But how do you choose the right asset manager? Here’s a step-by-step guide to help you find the perfect fit.

1. Determine Your Needs and Goals

Before you even begin the search, it’s essential to understand your financial situation, needs, and long-term goals. Are you looking for aggressive growth, or is preserving capital your priority? Knowing what you want will guide your choice of an asset manager who specializes in those areas.

2. Consider the Types of Asset Managers

There are several types of asset managers, from individual financial advisors to large investment firms. Evaluate what kind of services you need and the scale of your investments to decide what type of asset manager suits you best.

3. Look for Relevant Experience and Credentials

Search for asset managers with a track record of success in managing portfolios similar to yours. Check for professional credentials like CFA (Chartered Financial Analyst) or CFP (Certified Financial Planner) to ensure they have the necessary training and expertise.

4. Evaluate Investment Strategies

Ask potential asset managers about their investment strategies and philosophies. Are they risk-averse or aggressive? Do they focus on specific industries or diversification? Their approach should align with your comfort level and financial goals.

5. Check Fees and Costs

Understand the fee structure before committing. Asset managers may charge a flat fee, an hourly rate, or a percentage of assets under management (AUM). Make sure the fees align with your budget and the value you expect to receive.

6. Review Past Performance

While past performance doesn’t guarantee future results, it can give you an idea of an asset manager’s skill and strategy. Request information on how they have managed assets in various market conditions, especially during downturns.

7. Assess Communication and Service Level

You’ll be entrusting your financial future to this individual or firm, so make sure you feel comfortable with their communication style and service level. How often will they update you? What’s their approach to client relationships?

8. Ask for References

Don’t hesitate to ask for references from current or past clients. Their experiences can provide invaluable insights into the asset manager’s professionalism, reliability, and effectiveness.

9. Consider Their Ethical Stance

If responsible investing is important to you, inquire about their approach to Environmental, Social, and Governance (ESG) factors. Some asset managers specialize in socially responsible investing (SRI) and can align your portfolio with your values.

10. Finalize with a Written Agreement

Once you have chosen an asset manager, make sure to have a clear written agreement outlining the terms of engagement, fees, services provided, and any other pertinent details.

Conclusion

Choosing an asset manager is an important decision that requires careful consideration and due diligence. By assessing your goals, evaluating various professionals, and paying attention to details like fees, performance, and ethics, you can find an asset manager who will be a trusted partner in achieving your financial objectives. Remember, it’s not just about hiring an expert; it’s about building a relationship with someone who understands your needs and works diligently to help you reach your dreams.…

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