Debt Payment

You can't begin to build wealth until you take steps to get out of debt. After filling out the debt payment module, your financial planner will give you a clear path that will allow you to begin to get out of the cycle of debt.

Like all of our modules, this module works in harmony with the other modules. A financial plan from PennyPuddle will examine whether it makes sense to pay off your debt with existing savings or to pay off the debt over time.

Home Ownership

Maybe you want to buy your first home in two years. Or maybe you want to sell your current home in the city and move to a bigger place with horse stables and a creek that runs through the property. Whatever your home ownership goals are, there are lots of things to consider. Once you enter your information into the Home Ownership module, your financial planner will be able to show you how reasonable your goals are and clear steps you can take toward owning your own place.

College Planning

You may know that the cost of goods usually goes up by about three or four percent per year. But did you know that the cost of higher education has been going up by about seven percent a year?

After filling out the College Planning module, you will be told how much you need to save to meet your goals of funding future college expenses. Because all of our modules are included for one low price, your financial planner will know your entire financial picture, allowing them to give you the guidance you need.

Life Changes

Your financial life probably has details that don't fall neatly into one of our pre-defined modules. That's okay, because we give every PennyPuddle client the option to give us more information.

We know that not all of life's changes are foreseen, but for those that you want to plan for, your PennyPuddle financial plan will give you an idea of how they will affect your life.

Retirement

Most of us expect to retire at some point in the future, but many of us don't know how to make it happen. Your PennyPuddle financial planner will outline the specific steps you need to take in order to make your retirement goals reality.

A plan from PennyPuddle will explain what your retirement outlook is. Sometimes the plan will show you that working a few extra years will have a significant impact on your financial comfort in retirement, and other times it will show that you're right on track. Whatever the result is, a financial plan will provide an independent professional's look at your situation and you will have a track to run on.