Comments on: Free Advice to JumpStart Your Retirement

By: Your Money Relationship - Friday Feed Frenzy: Jolly Saint Nick Edition

Your Money Relationship - Friday Feed Frenzy: Jolly Saint Nick Edition — Fri, 26 Dec 2008 01:09:55 +0000

[...] Micah informs you of an upcoming day where you can get some FREE retirement advice. I would recommend taking this organization up on their offer! Related Posts: Friday Feed [...]

By: Mr. GoTo

Mr. GoTo — Fri, 19 Dec 2008 17:32:57 +0000

Any free advice that you can get is worth it, as long as you don’t blindly follow it. All baby boomers can use all of the retirement planning input we can find!

By: mrsmicah

mrsmicah — Fri, 19 Dec 2008 17:30:19 +0000

@Adam,

Indeed, these are fee-only people, so they should have no financial incentive to push things which normally give the broker a kickback.

@daddyt,

I would only use annualcreditreport.com to get my free credit report. You’re entitled to 1 free credit report a year from each bureau and it doesn’t count against you. Checking your own credit should be done as a “soft-pull” meaning it won’t count against you. Applying for credit will generate a “hard-pull,” which counts against you (idea being that if you’re applying for a lot of credit at one time, you may be more of a risk because you’re going to get into debt very soon). If the person used a group that did a hard pull against his account, then it could have happened. Or he just had bad credit and didn’t want to accept the blame.

By: daddy t

daddy t — Fri, 19 Dec 2008 16:38:36 +0000

Thanks for the good advice! When I first logged onto your site I accidently somehow clicked onto (OR it may have just appeared out of nowhere ) a “free credit report” site. I have heard that if you check your credit status, it is counted against you when you apply for credit. This sounds crazy, but the person who told me (I can’t remember who) said it happened to him. If you can understand this seemingly crazy question, do you have any comments? Thanks!

By: Adam

Adam — Fri, 19 Dec 2008 12:24:10 +0000

People should really jump on this opportunity. NAPFA advisors take an oath to do what’s best for the consumer. They will not try to sell you anything other than advice. Since it’s free on those two days, people have no excuse not to take them up on it. Make the call people!