Starting your own business is an exciting endeavor, but one of the most important things to consider before taking the plunge is the cost. The amount of money needed to start a business can vary widely depending on the industry, location, business model, and personal goals. While some businesses can be started with minimal investment, others require substantial capital. Let’s break down the key costs associated with launching your own business and help you better understand what to expect financially.1. Business Registration and Legal CostsEvery business must be legally registered, and depending on the structure you choose (sole proprietorship, LLC, corporation, etc.), the fees can vary. Costs include:Business licenses and permits: These depend on your location and industry but can range from $50 to $500 or more.Incorporation fees: Forming an LLC or corporation typically costs between $100 and $500, depending on your state’s filing fees.Legal consultation: If you hire a lawyer to help with business formation, contracts, or trademarks, expect to pay $200 to $1,000 or more.Estimated cost: $200 to $1,500+2. Office or Workspace ExpensesThe cost of a physical workspace can vary greatly depending on the nature of your business. Some businesses can operate from a home office, while others may require commercial space. Costs to consider include:Home office setup: If you’re working from home, you’ll need a computer, desk, printer, and other essentials. This can cost anywhere from $500 to $2,500.Commercial space: Renting office or retail space can be one of the biggest expenses. Leasing costs vary based on location, but commercial rent typically ranges from $500 to $3,000 per month. You’ll also need to factor in utilities, insurance, and any renovation costs.Estimated cost: $500 (home office) to $5,000+ (commercial space)3. Equipment and SuppliesDepending on your business type, you may need to purchase specialized equipment and supplies. This could include manufacturing tools, kitchen appliances, computers, software, or inventory.Office supplies and technology: Basic office needs like computers, phones, software, and furniture can cost $1,000 to $5,000.Industry-specific equipment: Specialized tools or equipment (e.g., restaurant kitchen equipment, construction tools, or photography gear) can range from $2,000 to $50,000+.Estimated cost: $1,000 to $50,000+4. Marketing and BrandingMarketing and branding are essential for building your business’s reputation and attracting customers. This includes logo design, website development, and advertising campaigns.Website: A basic website may cost $500 to $5,000 depending on complexity. E-commerce sites with additional features like online payment systems or inventory management can be more expensive.Branding and design: Hiring a professional designer for your logo, business cards, and other branding materials can range from $500 to $2,000.Marketing and advertising: Depending on your target audience and strategy, advertising can cost anywhere from $500 to $5,000 or more for digital ads, print, and other promotional activities.Estimated cost: $1,500 to $10,000+5. Inventory and MaterialsIf your business sells physical products, you’ll need to invest in inventory. The cost of raw materials or finished goods will depend on the scale and type of business.Initial inventory: The cost of stocking up on your first round of products can range from $500 to $50,000 depending on the type of product and volume.Storage: You’ll also need to consider storage costs, whether that’s renting warehouse space or purchasing storage solutions for your home.Estimated cost: $500 to $50,000+6. Employee Salaries and BenefitsIf your business plan requires hiring employees, you’ll need to account for their salaries and benefits. The cost of hiring will depend on the number of employees, their roles, and whether they are full-time, part-time, or contractors.Salaries: Wages can vary greatly by industry, but you should plan for at least $20,000 to $50,000 per year for each full-time employee.Benefits: Employee benefits like health insurance, retirement plans, and vacation time can add an additional 20% to 30% to your employee expenses.Estimated cost: $20,000+ per employee7. InsuranceBusiness insurance is essential for protecting your company from potential risks, such as property damage, liability claims, or employee injuries. Costs depend on the type and size of your business, but common policies include:General liability insurance: This typically costs between $300 and $1,000 per year.Commercial property insurance: If you have a physical location, this could cost $500 to $2,500 annually.Worker’s compensation insurance: Required if you have employees, costing $500 to $2,000 annually.Estimated cost: $500 to $5,000+8. Ongoing Operating CostsOnce your business is up and running, you’ll have ongoing expenses to cover, including utilities, software subscriptions, shipping fees, and more.Utilities: For commercial spaces, utilities such as electricity, internet, and water can range from $200 to $1,000 per month.Software and subscriptions: Accounting, project management, or customer relationship management (CRM) software might cost anywhere from $20 to $500 per month, depending on the services you need.Estimated cost: $500 to $3,000+ per month9. Miscellaneous CostsStarting a business often comes with unexpected expenses, so it’s wise to have a cushion for miscellaneous costs, such as:Taxes: You’ll need to set aside money for local, state, and federal taxes. The amount varies based on your income and business type.Professional services: You may need to hire accountants, consultants, or other professionals for assistance, which can cost several hundred to several thousand dollars annually.Estimated cost: $1,000 to $5,000+Total Estimated CostThe total cost of starting a business can range widely depending on your specific needs and industry. On average, most small business owners can expect to spend between $3,000 and $50,000 to get their business off the ground. It’s important to create a detailed budget and set aside enough funds to cover your startup costs as well as a cushion for unexpected expenses.In summary:Low-budget businesses (home office, freelance, or service-based): $3,000 to $10,000Medium-sized businesses (small retail or restaurant): $10,000 to $50,000Larger businesses (manufacturing, tech startups): $50,000 to $100,000 or moreStarting your own business requires careful financial planning and a realistic understanding of the costs involved. While the expenses may seem daunting, having a clear budget and understanding where your money will go can help you plan effectively. Whether you’re launching a small home-based business or a larger enterprise, the key to success is preparing for both the expected and unexpected costs of entrepreneurship.(Image via Unsplash)

By: Harmon Goode

Last Update: 09/06/2024

As the gig economy continues to expand, many professionals are weighing the pros and cons of freelancing versus traditional employment. Both paths offer unique opportunities and challenges, especially when it comes to financial considerations. Here’s a detailed look at the financial aspects and benefits of freelancing compared to traditional employment.Freelancing: Financial Considerations and Benefits1. Income Potential and FlexibilityFreelancing provides the potential for significant income, particularly if you have specialized skills or are in high demand. Unlike traditional employment, where income is fixed, freelancing allows you to set your own rates and take on multiple clients. This flexibility can lead to higher earnings, but it also comes with income variability.Potential Earnings: Your income depends on the number of clients, projects, and your rate. Successful freelancers can earn substantially more than traditional employees, but income can fluctuate.Flexibility: You have the freedom to choose projects, set your own hours, and work from anywhere, which can enhance work-life balance.2. Tax ImplicationsFreelancers are responsible for handling their own taxes, including self-employment taxes, which cover Social Security and Medicare. This requires diligent record-keeping and tax planning.Deductions: Freelancers can deduct business expenses such as office supplies, software, and a portion of home office expenses. However, navigating these deductions can be complex and may require professional assistance.Quarterly Taxes: Freelancers often need to pay estimated taxes quarterly, which requires careful budgeting to avoid penalties.3. Benefits and InsuranceUnlike traditional employees, freelancers typically don’t receive employer-sponsored benefits such as health insurance, retirement plans, or paid leave. Securing these benefits independently can be costly.Health Insurance: Freelancers must purchase their own health insurance, which can be more expensive than employer-sponsored plans.Retirement Savings: Without access to employer-sponsored retirement plans, freelancers need to set up their own retirement accounts, such as a Solo 401(k) or SEP IRA, and contribute regularly.4. Job Security and StabilityFreelancing offers less job security compared to traditional employment. Contracts may be short-term, and there is no guarantee of ongoing work.Client Dependence: Income depends on maintaining a steady stream of clients. Losing a major client can significantly impact earnings.Unpredictable Income: Unlike a regular paycheck, freelance income can be inconsistent, requiring careful financial planning and savings.Traditional Employment: Financial Considerations and Benefits1. Stable Income and PredictabilityTraditional employment provides a regular paycheck, which offers financial stability and predictability. Employees typically receive a set salary or hourly wage, which makes budgeting and financial planning easier.Consistent Earnings: A regular paycheck helps manage monthly expenses and financial commitments with greater ease.Bonuses and Raises: Traditional employment often includes opportunities for performance bonuses, annual raises, and promotions.2. Employer-Sponsored BenefitsTraditional employees usually receive a benefits package that can significantly enhance their overall compensation.Health Insurance: Many employers offer comprehensive health insurance plans, which often include dental and vision coverage.Retirement Plans: Employees typically have access to employer-sponsored retirement plans, such as 401(k) accounts, with potential matching contributions.Paid Leave: Benefits often include paid vacation days, sick leave, and holidays.3. Tax ConsiderationsTraditional employees have taxes automatically withheld from their paychecks, simplifying tax filing and planning.Automatic Withholding: Employers handle income tax withholding, Social Security, and Medicare taxes, reducing the administrative burden on employees.Fewer Deductions: Employees generally have fewer tax deductions compared to freelancers, but they may benefit from some work-related expense deductions.4. Job Security and Career DevelopmentTraditional employment often provides more job security and opportunities for career growth compared to freelancing.Career Advancement: Many companies offer structured career paths, training programs, and professional development opportunities.Job Security: Employees may benefit from greater job stability, although this can vary by industry and company.Both freelancing and traditional employment have distinct financial considerations and benefits. Freelancing offers the potential for higher earnings and flexibility but comes with income variability, self-employment taxes, and the need to secure your own benefits. Traditional employment provides financial stability, employer-sponsored benefits, and structured career growth but lacks the flexibility and income potential of freelancing.Ultimately, the choice between freelancing and traditional employment depends on your personal preferences, financial goals, and career aspirations. Understanding the financial implications of each path can help you make an informed decision and plan accordingly for your financial future.

By: Isaiah Peterson

Last Update: 09/04/2024

In today’s fast-paced world, many people are exploring side hustles as a way to boost their income, achieve financial goals, or simply pursue a passion. But with so many options available, how do you choose a side hustle that not only interests you but also pays off financially? Here’s a guide to identifying side hustles that offer the best returns on your time and effort.1. Freelancing in Your Area of ExpertiseFreelancing can be a lucrative side hustle, especially if you have skills in high demand. Whether you're a writer, graphic designer, programmer, or marketing specialist, freelancing allows you to monetize your expertise on your own terms. Platforms like Upwork, Fiverr, and Freelancer connect you with clients seeking specialized services. The key to success in freelancing is building a strong portfolio, setting competitive rates, and consistently delivering quality work.Potential Earnings: $20 to $100+ per hour, depending on your field and experience.2. Online Tutoring and TeachingIf you have a strong grasp of a particular subject or skill, online tutoring can be a rewarding way to earn extra income. Websites like VIPKid, Chegg Tutors, and Skillshare offer platforms where you can teach subjects ranging from math and science to music and languages. Online teaching allows for flexible hours and the opportunity to work with students from around the world.Potential Earnings: $15 to $60 per hour, depending on the subject and platform.3. E-commerce and DropshippingStarting an online store has become more accessible than ever, thanks to platforms like Shopify and Etsy. E-commerce businesses can range from selling handmade crafts to dropshipping products without holding inventory. With dropshipping, you partner with suppliers who handle inventory and shipping, while you focus on marketing and customer service. Successful e-commerce ventures often require research, marketing skills, and a solid business plan.Potential Earnings: Varies widely, with successful businesses earning from a few hundred to several thousand dollars per month.4. Real Estate InvestingReal estate can be a lucrative side hustle if you have the capital to invest. Options include renting out properties on platforms like Airbnb or investing in rental properties for long-term income. While real estate requires upfront investment and ongoing management, it can offer substantial returns if done wisely. Conduct thorough research, and consider starting with a small property or partnering with others to mitigate risk.Potential Earnings: Rental income and property appreciation, which can vary widely based on location and market conditions.5. Investing in Stocks and ETFsInvesting in the stock market can provide a profitable side income if you’re willing to learn about market trends and investment strategies. Platforms like Robinhood, E*TRADE, and Fidelity offer accessible ways to buy stocks, ETFs, and other securities. While investing carries risks, it can also yield significant returns with proper research and strategy. Consider starting with low-cost index funds or ETFs to build your investment portfolio gradually.Potential Earnings: Returns vary based on market performance and investment choices.6. Creating and Selling Digital ProductsIf you have a knack for creating digital content, consider designing and selling digital products like eBooks, online courses, or printables. Websites like Gumroad, Teachable, and Etsy make it easy to sell digital goods directly to consumers. This side hustle allows you to leverage your knowledge and skills without the overhead costs associated with physical products.Potential Earnings: Varies based on product pricing and sales volume, with potential for passive income.7. Ridesharing and Delivery ServicesDriving for ridesharing services like Uber or Lyft, or delivering food with DoorDash or Postmates, can be a flexible side hustle with immediate earning potential. These platforms allow you to work on your own schedule and earn money based on the hours you put in. While the pay can be variable, it can provide a steady income stream if you’re willing to work during peak times.Potential Earnings: $10 to $30 per hour, depending on location and demand.8. Social Media ManagementBusinesses of all sizes are looking to enhance their social media presence, creating opportunities for skilled individuals to manage and grow their accounts. As a social media manager, you’ll create content, engage with followers, and analyze performance metrics. This side hustle can be particularly profitable if you have a background in marketing or communications.Potential Earnings: $20 to $75 per hour, depending on the scope of work and client.Tips for SuccessChoose Something You Enjoy: The best side hustles are those you’re passionate about. This will help you stay motivated and committed.Assess Your Skills: Leverage your existing skills and experience to maximize your side hustle’s profitability.Start Small: Begin with a manageable commitment and scale up as you gain confidence and experience.Research and Plan: Thoroughly research your chosen side hustle and create a clear plan to guide your efforts and measure success.By choosing a side hustle that aligns with your skills and interests, you can create a rewarding additional income stream that not only pays off financially but also enhances your personal and professional growth.

By: Isaiah Peterson

Last Update: 09/04/2024

Retirement planning is a crucial step towards securing your financial future. Here are some valuable tips to help you navigate this important phase of life successfully.Understanding Your Financial SituationBefore you can start planning for retirement, it's essential to have a clear understanding of your current financial situation. Calculate your assets, income, expenses, debts, and savings. This information will serve as a basis for creating a realistic retirement plan tailored to your needs.Setting Realistic GoalsWhen planning for retirement, set realistic financial goals based on your current situation and future aspirations. Consider factors like desired retirement age, lifestyle expectations, healthcare costs, and potential inflation. Having clear objectives will help you stay focused and motivated throughout the planning process.Diversifying Your InvestmentsDiversifying your investments is a key strategy for retirement planning. Spread your savings across different asset classes, such as stocks, bonds, real estate, and retirement accounts. This diversification helps mitigate risk and ensures that your portfolio remains resilient to market fluctuations.Creating a Retirement BudgetDeveloping a retirement budget is essential for managing your expenses and income during your retirement years. Consider factors like housing costs, healthcare expenses, travel, and leisure activities. Having a realistic budget will help you maintain financial stability and avoid overspending.Maximizing Retirement Savings ContributionsTake advantage of retirement savings vehicles like 401(k) plans, IRAs, and employer-sponsored programs to maximize your contributions. Consider contributing the maximum allowed amount each year to take advantage of tax benefits and employer matches. This proactive approach will boost your retirement savings and help you reach your financial goals sooner.Seeking Professional AdviceConsulting with a financial advisor or retirement planning expert can provide valuable insights and guidance. A professional can help you develop a comprehensive retirement plan tailored to your specific needs and goals. They can also provide advice on investment strategies, tax planning, and estate planning to optimize your financial future.By following these tips and taking a proactive approach to retirement planning, you can secure your financial future and enjoy a comfortable retirement. Remember that starting early and staying informed are key factors in achieving your retirement goals. Take control of your financial future today to ensure a worry-free tomorrow.

By: Isaiah Peterson

Last Update: 08/28/2024

Losing a spouse is an emotionally devastating experience that also brings significant financial challenges. Understanding widow's pension benefits can be a crucial support for those left behind, helping to stabilize finances during a difficult time. These benefits are designed to provide financial assistance to spouses who have lost their partners, but navigating the eligibility requirements and application process can be complex. Here’s a detailed guide to understanding widow's pension benefits, highlighting important factors that can help widows and widowers secure the financial support they need.Understanding Eligibility CriteriaEligibility for widow's pension benefits largely depends on factors such as the deceased spouse's work history, their contributions to social security or pension funds, and the duration of the marriage. Generally, the deceased must have accumulated sufficient work credits for their spouse to qualify for benefits.It’s important for the surviving spouse to confirm the specific requirements set by the pension plan, which can vary depending on whether the pension is through a private company, a federal system, or other organization. Each program has its own set of rules which may affect eligibility even based on the age at which the spouse passed away.Age RequirementsAge plays a critical role in determining eligibility for widow's pension benefits. In many cases, the surviving spouse must be of a certain age to start receiving benefits. For example, under Social Security in the United States, widows or widowers can begin receiving full benefits at retirement age or reduced benefits as early as age 60.If the surviving spouse is disabled, benefits may start as early as age 50. Understanding these age-related stipulations is crucial when planning financial support structures after the loss of a spouse.Impact of RemarriageRemarriage can significantly impact eligibility for widow's pension benefits. Typically, if a widow or widower remarries before reaching a certain age, they may lose the right to collect their deceased spouse’s pension benefits.This age threshold can vary by the pension plan but is often set around 50 to 60 years old. However, some plans may allow the continuation of benefits regardless of remarriage, provided certain conditions are met, so it's important to review the specific terms of the pension plan.Benefits for DependentsIn addition to the spouses, dependent children may also be eligible for benefits under a widow's pension plan. These benefits are usually available to unmarried children under a certain age, often 18, or up to 22 if they are full-time students.Some pension plans may extend these benefits to disabled children who were disabled before reaching the cutoff age and remain dependent. Knowing the scope of dependent benefits can help in planning long-term financial security for the entire family.Application ProcessApplying for widow's pension benefits involves submitting various documents and evidence to support the claim. This typically includes a death certificate, marriage certificate, proof of identity, and documentation of the deceased’s employment history and earnings.Navigating this process efficiently requires careful attention to detail and adherence to the timelines specified by the pension provider. Prompt submission of all necessary paperwork can expedite the approval process and ensure benefits begin flowing as soon as possible.Duration of BenefitsThe duration over which widow's pension benefits are paid can vary based on the pension scheme. Some pensions provide lifetime benefits to the surviving spouse, while others might offer benefits for a fixed term or until certain conditions no longer apply, such as remarriage or reaching a specific age.Understanding how long benefits will last is essential for financial planning, ensuring that the surviving spouse can arrange their finances with a clear picture of the future.Tax ImplicationsIt's important to be aware of the potential tax implications associated with receiving widow's pension benefits. The taxability of these benefits can vary significantly depending on the jurisdiction and the specific pension plan.Consulting with a tax professional can provide guidance on how to file returns that include widow's pension benefits, helping to avoid potential legal complications and ensuring that the survivor can make the most of the benefits they receive.Navigating Changes and DisputesCircumstances change, and it’s possible that disputes or misunderstandings concerning widow's pension benefits might arise. Having a clear understanding of the grievance procedures and the rights of appeal is crucial.In some cases, it might be necessary to seek legal advice to resolve disputes related to pension benefits. Legal experts specializing in elder law or estate planning can provide invaluable assistance in these situations, ensuring that the rights of the surviving spouse are fully protected.Support ServicesMany organizations offer support services for widows and widowers, providing not only emotional support but also guidance on financial matters such as pension benefits. These services can be crucial in helping surviving spouses navigate the complexities of pension benefits and other financial entitlements after the loss of a partner.Leveraging these resources can provide additional clarity and support, helping individuals make informed decisions during a challenging time.Understanding widow's pension benefits is crucial for those navigating life after the loss of a spouse. This comprehensive understanding ensures that widows and widowers can access the financial support they are entitled to, providing a degree of economic stability in the face of personal loss.

By: Isaiah Peterson

Last Update: 08/26/2024

In today's global economy, the utilization of offshore accounts has become increasingly common for individuals and businesses alike. Offshore accounts offer a range of benefits and risks that should be thoroughly understood before engaging in such financial practices. Let's delve into the advantages and potential pitfalls of utilizing offshore accounts.Understanding Offshore AccountsAn offshore account is simply a bank or investment account held in a foreign jurisdiction. This could be in a country with lower taxes, stricter privacy laws, or more stable political and economic conditions. While the term "offshore" implies a physical distance, the account can be managed remotely, often through online banking platforms.Advantages of Offshore AccountsTax OptimizationLower Tax Rates: Many offshore jurisdictions have lower corporate and personal income tax rates than domestic ones. This can significantly reduce your tax liability.Tax Treaties: Double taxation agreements between countries can help mitigate the impact of foreign taxes.Tax Havens: Some jurisdictions are known as tax havens, offering extremely low or no taxes. However, the use of tax havens is increasingly scrutinized, and it's essential to comply with domestic tax laws.One of the primary benefits of offshore accounts is the potential for tax savings. By placing funds in offshore accounts, individuals and businesses can take advantage of more lenient tax laws in foreign jurisdictions. This can result in reduced tax liability and increased wealth preservation.Asset ProtectionCreditor Shield: Offshore accounts can provide a layer of protection against creditors, lawsuits, and government seizures.Privacy: Some jurisdictions have stricter privacy laws, protecting your personal and financial information from unauthorized access.Diversification:Offshore accounts also provide enhanced privacy and asset protection. In certain offshore jurisdictions, account holders have greater confidentiality and security measures in place, safeguarding their assets from potential threats such as lawsuits or creditors.Currency HedgingHolding assets in multiple currencies can help mitigate risks associated with currency fluctuations.Global Investment Opportunities: Offshore accounts can provide access to a wider range of investment options, including real estate, stocks, and bonds in foreign markets.Offshore accounts can offer diversification opportunities. By holding assets in multiple jurisdictions, individuals and businesses can spread risk and protect their wealth from political or economic instability in any single country.Considerations Before Opening an Offshore AccountCosts: Opening and maintaining an offshore account can involve fees, including account maintenance charges, currency exchange fees, and potential taxes.Regulations: Be aware of the regulatory requirements in both your home country and the offshore jurisdiction. Non-compliance can lead to severe penalties.Political Stability: Choose a jurisdiction with a stable political and economic environment to minimize risks.Reputational Risk: Some jurisdictions have a reputation for being associated with illicit activities. Exercise caution when considering these locations.Offshore Account RisksDespite the benefits, there are inherent risks associated with utilizing offshore accounts. One of the primary risks is the potential for regulatory scrutiny and legal implications. Some offshore jurisdictions may have lax regulatory oversight, making them susceptible to money laundering activities or illegal transactions.Another risk is the lack of transparency and accountability. Due to the confidential nature of offshore accounts, account holders may face challenges in monitoring their funds effectively, leading to potential fraud or mismanagement by financial institutions or intermediaries.Additionally, offshore accounts can pose reputational risks. In some cases, individuals or businesses using offshore accounts may be perceived negatively, raising suspicions of tax evasion or illicit financial activities.In conclusion, while offshore accounts offer various benefits such as tax savings, asset protection, and diversification opportunities, it is crucial to weigh these advantages against the potential risks of regulatory scrutiny, lack of transparency, and reputational damage. Understanding the complexities of utilizing offshore accounts is essential for making informed financial decisions in today's interconnected world.Steps to Open an Offshore AccountChoose a Jurisdiction: Research different jurisdictions based on your financial goals and risk tolerance. Consider factors like tax rates, privacy laws, and political stability.Select a Financial Institution: Look for reputable banks or investment firms that offer offshore services. Consider factors like fees, services, and online banking capabilities.Gather Required Documentation: You'll typically need to provide proof of identity, address, and source of funds.Open the Account: Complete the necessary paperwork and submit it to the financial institution.Fund the Account: Transfer funds to your offshore account using wire transfers or other authorized methods.When to Consider an Offshore AccountHigh-Net-Worth Individuals: If you have significant wealth, an offshore account can offer asset protection and tax benefits.Expatriates: Individuals living and working abroad may find offshore accounts convenient for managing their finances.Business Owners: Offshore accounts can be useful for holding company funds, conducting international transactions, and reducing tax liabilities.ConclusionWhile offshore accounts can offer significant benefits, they are not a one-size-fits-all solution. It's crucial to carefully consider your financial goals, risk tolerance, and the regulatory landscape before making a decision. Consulting with a qualified financial advisor can help you navigate the complexities of offshore accounts and make informed choices.Additional ConsiderationsCurrency Exchange: Be aware of currency exchange fees and potential fluctuations that can impact the value of your assets.Reporting Requirements: You may need to report your offshore accounts to your home country's tax authorities. Failure to comply can result in penalties.Legal Advice: It's essential to consult with legal and tax professionals to ensure that your offshore account is established and managed in compliance with all applicable laws.By carefully considering these factors and seeking professional advice, you can make an informed decision about whether an offshore account is right for you.Offshore accounts can offer significant benefits, such as tax optimization, asset protection, and diversification. However, they are not suitable for everyone and involve careful consideration of factors like costs, regulations, and political stability. It's essential to consult with professionals to ensure compliance with domestic and foreign laws and to make informed decisions about whether an offshore account aligns with your financial goals.

By: Harmon Goode

Last Update: 08/13/2024