t the overall health of your lawn. My wife may
last sentiment...
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PROFESSIONAL PROFILE
e most exciting, joyous, and fulfilling time of
aid, even as a financial planner, it hasn’t been
gging thoughts: Am I saving enough? Am I
age of my benefits through work? Should I be
t saving for college already? Would my fam-
nancially) if something terrible happened to
have an estate plan in place? What the heck
of these issues are uncomfortable to discuss
expense during an already expensive time,
now will not only give you peace of mind but
tion for securing your family’s financial future.
ning
ollege is already an (almost illogically) expen-
That, however, is not slowing the majority of
s from increasing tuition year after year. If it’s
wish to help cover some or all of these costs,
hen they’re in diapers. The earlier, the better.
sh a 529 plan and set up an automatic month-
n for an amount that fits into your cash flow.
n notice it after a few months. Also, let the
know. They just may want to lend a hand.
ts
e are many and they will differ from company
wanted to highlight one in particular—the
re Flexible Spending Account. This account
ent to set aside income before taxes in order
the costs of childcare. Depending on your tax
an easily save you 20 to 30% on what you elect
ce
ife insurance is to cover a period of time in
mily is financially vulnerable. This window
cally exists during your working years. Once
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Matthew ®
Kelly, CFP
FINANCIAL PLANNER
Matt is an adviser with Allegheny Financial
Group – an independent financial planning
and investment management firm that has
been serving the Pittsburgh community for
more than 40 years.
Allegheny provides services that tie together
all elements of a client’s financial situation,
including investment & risk management,
you’ve reached retirement,
longer
relying on wages
retirement, you’re
estate, no
tax,
and education
to sustain your family’s lifestyle. From that mindset, term
planning. By taking a comprehensive
life insurance is truly the most effective (and cheapest!) way
approach to understanding these various
to go.
aspects of a client’s financial world, Matt
is able how
to provide
a uniquely
tailored
and not
So how do you know
much to
purchase?
If you’re
unbiased
plan to on
fit their
and
running a thorough
analysis
your ultimate
existing goals
portfolio,
aspirations.
anticipated growth,
and future cash flow, a good rule of
thumb is 10x salary. Have a qualified adviser go out to bid
to find a reputable
company that
will provide
“I insurance
enjoy helping
families
plan that
for
coverage at the most cost-effective rate. If you’re not in
they history
can devote
good health, if you tomorrow,
smoke, or have so
a family
of heart
their
time
and
energy
to
what’s
disease, for instance, the low-cost alternative may
be to
obtain that level of coverage
through
your
employer.
most important in their They
lives
will likely offer guaranteed coverage at group rates for
up
to
today.”
some multiple of salary.
Continued.
[email protected]
412.536.8076
Allegheny Financial Group is a Registered Investment Advisor.
Securities offered through Allegheny Investments, LTD, a registered
Broker/Dealer. Member FINRA/SIPC.
MT. LEBANON
❘
FALL 2019
21