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In The News
The Wall Street Journal, September 22, 2008 - The Financial Crisis: Baby Boomers Delay Retirement by Kelly Greene. In the article about the decline in assets due to the financial crisis, Helga Cuthbert, a certified financial planner in Decatur, Georgia is quoted as saying "We'll see more and more people postpone their retirement dates."
The Atlanta Journal Consitution, September 21, 2008 - In a featured article, Special Report: Financial Shake-up the AJC interviewed people from various walks of life about their own situation and then asked financial experts to what advice they would give. Helga Cuthbert was quoted by Peralte C. Paul by providing advice on whether it was wise to cash out their 401(k) account.
Parenting Magazine, April 2008 – Money Lessons for Moms, by Teri Cettina. Helga Cuthbert, a certified financial planner in Decatur, Georgia, and mom of one says: “Saving for retirement always trumps saving for college. You can borrow for college – but not for retirement.” “Start the college account once you're on track toward retirement and have paid off personal debts.”
Georgia Trend, December 2007 – Making Tax Time Less Taxing, by Ed Lightsey. Helga Cuthbert, financial planner, is advising her clients to take a look at the advantages of some government securities. Cuthbert cautions her clients to take a few prudent steps to hedge against the vagaries of the coming year.
The Atlanta Journal Constitution, October 18, 2007 – How much money should you have in your bank account? By Peralte C. Paul. In the article, Helga S. Cuthbert, a financial planner of Cuthbert Financial Guidance in Decatur, tells her clients to keep six months’ to a year’s worth of available cash if they’re single or three to six months’ savings if married for regular expenditures and emergencies.
Christian Science Monitor, December 18, 2006 – In a question and answer column, when asked about opening multiple Roth IRAs in order to not commingle funds earmarked for college with funds for retirement, Helga Cuthbert states: “Yes, you can open and maintain a Roth IRA account with multiple institutions...” She is further quoted as saying: “ Keep in mind that your modified adjusted gross income (AGI) cannot exceed certain limits.”
The Atlanta-Journal Constitution, October 22, 2006 – In an article written in the AJC Jobs section by Laura Raines encouraging younger workers to start planning for retirement, Helga Cuthbert is quoted as saying “not contributing the maximum amount that the company will match to a 401(k) is a mistake many workers make”. With regard to employees’ investments choices, she is further quoted as saying “…you should allocate your investments across different types of funds.” Read the article now.
Gwinnett Magazine, February 9, 2006 – Helga Cuthbert is quoted in this article that addresses many aspects of senior life. In the Funding the Future section, Helga mentions three components that seniors should evaluate: anticipated expenses, retirement income and assets available to supplement your expenses. Read more tips in Older & Bolder by Belinda Sawyer.
The Atlanta-Journal Constitution, December 25, 2005 – A lot of people are thinking today about their windfalls – extra money, above and beyond the usual claims on their income. In Invest that windfall well; Experts recommend you give yourself a treat first, Hank Ezell writes that there are two choices: “You can do good, or you can just have a good time.” Helga Cuthbert suggests putting some money into a Roth individual retirement account. “This is something that people typically put off until the end of the year,” says Helga. “That’s when we have a lump sum, so we don’t have to use regular cash flow to fund it,” she adds. Read the article now.
Atlanta Woman magazine, December 2005 – Now is the time to maximize your retirement options says writer Ilyce R. Glink in her article, Get Moving on Your Retirement. The trick to saving for retirement is to start early. Helga Cuthbert explains, “My single clients who are in their 30’s carry more than $10,000 in debt on their credit cards, plus student loans. They come to me because they have a fairly good income of more than $75.000 per year, and they’re starting to realize that they aren’t paying off their debts and they’re not contributing to their retirement.” In other words, they’ve chosen to sacrifice their future in order to get by in the present today. You need to pay attention to what you’re spending today in order to accumulate the wealth you’ll need in retirement.
The Atlanta-Journal Constitution, November 20, 2005 – Life cycle mutual funds have grown increasingly popular, but picking the right one can be difficult says Hank Ezell in his article, A simple retirement plan; Life-cycle funds handle aging process gracefully. Helga Cuthbert says, “They are great for someone who doesn’t have a lot of time to commit to looking at their investments or someone who wants to invest small amounts through an [automatic] investment plan. If you don’t have time or the inclination to do the research, it’s a great way to get diversification.” Read the article now.
Gwinnett Daily Post, November 6, 2005 – Holiday shoppers are used to certain holiday traditions – among them, the store credit card offers and discounts that come with them. “One pitfall is a lower credit limit than cards issued by Visa or Mastercard,” states Helga Cuthbert. “Low credit limits aren’t necessarily bad, but they do allow consumers to max out their credit lines quickly.” The article, The ups and downs of store credit cards by Douglas Sams, tells us about the drawbacks to store credit cards and some of the different options many stores are offering instead.
Kiplinger’s, June 2005 – Perfect Your Portfolio: Using a windfall to prepare for the future, by Jeffrey R. Kosnett, profiles the manager of a jewelry studio who has the problem of how to finance her retirement. Although happy with her salary and health benefits, she has the problem of how to invest the money realized from a real estate sale last year. “Because she’s investing a large sum, she is well suited for exchange-traded-funds (EFT),” says Helga Cuthbert. Helga reasons that the small one-time fees to buy EFT’s shouldn’t dent returns much. Read the article now.
Money magazine, April 2005 – This article talks about the hidden costs, difficulties and stress that a family faces when relocating. Nothing about relocating is easy – especially the money says writer Donna Rosato, in her article Starting Over. Helga Cuthbert is did a lot of work for the family regarding evaluating their financial situation, cash flow, savings rates, etc. Although her work wasn't attributed directly in the article, the writer appreciated Helga’s professional input and advice. In addition, Helga is quoted regarding some creative financing options for the purchase of a home.
Christian Science Monitor, March 7, 2005 – After a bankruptcy: restoring credit and limits on filing again, by Steve Dinnen, addresses financial questions – what to do and not to do. When asked about investing in a vacation home, Helga Cuthbert states, “Acquiring a vacation property without penalty, whether present or future, within an IRA is simply not allowed.” She adds her insight on investing in real estate, using a self-directed IRA and how to withdraw assets from an IRA without penalties. Read the article now.
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