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Joe Jaspers, CFP®
Vice President, Wealth Management
Carolinas Telco Capital Advisors
Located at Carolinas Telco FCU
9813 South Blvd, Suite 101
Charlotte, NC 28273
Phone: 704-391-5600
Toll Free: 800-622-5305, ext. 2608
Fax: 704-556-1652
Email: joe.jaspers@lpl.com
March/April 2023
Financial Tips for 2023
You’ve probably heard the saying: “If you fail to plan, you plan to fail.” That adage is particularly true when it comes to your finances. Your objective should be to create a plan that can help you weather financial ups and downs, no matter what the economy is doing.
Define Your Goals
Before you purchase a single investment, think about what you'll need money for in the future. Your short-, medium- and long-term goals will determine how much money you'll have to save to reach each goal. Defining your goals and your time frame for needing money will help you formulate a plan to reach them.
Eliminate Debt
The first step in your financial plan should be to pay off any debt you have. Whether you have student loans or credit card balances, paying off debt will leave you with more money to save and invest.Create an Emergency Fund
Consider waiting to invest until you've saved at least three to six months' worth of expenses in an account that you can access penalty free. Having an emergency fund means you won't have to borrow money on a high-interest credit card to pay for an unexpected expense.What Kind of Investor Are You?
Understanding how much investment risk you're willing to take will help you choose investments that fall within your comfort zone. Your financial professional can help.Know What You're Getting
Before you invest, make sure you understand what you're buying. Many investments are complex, so ask your financial professional to explain the pros and cons, and don't buy any investment you don't understand.1-05361023
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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Carolinas Telco FCU and Carolinas Telco Capital Advisors are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Carolinas Telco Capital Advisors, and may also be employees of Carolinas Telco FCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of, Carolinas Telco FCU or Carolinas Telco Capital Advisors. Securities and insurance offered through LPL or its affiliates are:
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