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I'm wanting to know what people think is better. Kaiser or ucla health for working as an admin staff. Ucla seems to have good pay from what I see on the job descriptions but kaiser only shows pay grade. Ucla has pension and a raise it seems every year. But I was alao told kaiser offers a dollar each year as a raise. I want a place I can grown and stsy Long term. Any one have any insight on kaiser and what they offered.UCLA Health Kaiser Permanente
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Can you please help😊
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Yes. I use an independent advisor not tied to a big house that has incentives to push you towards their higher load funds. If you have kids, also suggest you find a good wills/trusts attorney and get all of that set up. Finally, get a good amount of life insurance with your advisor’s help and have the lawyer direct the beneficiaries of the life insurance and all your qualified retirement accounts to the trusts, including an ILIT.
I understand the need to off load this to someone else so you have 1 less thing to worry about.
I’d recommend you get names of a few financial advisors. Have initial calls with them to understand what they’ll do and what their strategy is. Talk to a mix of fee based & % advisors.
After you get a few proposals and do the math on how much you’ll be paying them, you might realize that even if you spend 10 hrs a week, you’d still come out ahead.
Partner 1 & SMS 1 above had some good advice on what to do (those are the types of things an advisor would help you with). For many of these things, once you set them up, it’s a matter of maintaining them which takes 2-3 hrs a month tops.
Where advisors make a bigger difference, is in reducing your taxes and introducing other investment vehicles once you’re investing $5M +.
Good luck!
Mentor
Let us know what you think after you get their plan. What is the fee structure?
Accenture has access to free financial planning advice via the UBS practice that manages the VEIP. It may not be what you want to utilize long term, but they will provide a rather comprehensive assessment and roadmap for you. Details are on our UBS accounts in the upper right hand side.
What’s complex about it? I’m at ACN too and manage most of it myself. If you are talking about base, bonus, and equity, a little financial education will go a long way. Save yourself from the (mostly) self-serving and low value financial advisor industry. If you must go the advisor route, hire a fee only fiduciary.
Awesome thanks guys for the help. Do you all have additional life insurance outside of what you get through your firm? Worth it?
Good financial planner is very hard to find. Read Ray Dalio and do it yourself. You can’t beat market anyway. Why would you pay someone to invest for you? I follow Dalio to a T, and even in this recent downturn, my bottom did not fall out and I am still up YoY. His diversification formula is fail proof.
I need to get you a title. I read a few