Most people think that they don’t have enough money to hire a financial advisor. That’s only for rich people!  In reality, there are professional financial advisors ready to help people at all income levels.  For advisors that pick stocks and mutual funds, some get paid a commission and others get fees just for the time they spend researching the investments and buying and selling them.  Much of their focus is on clients’ long term goals like retirement. Who Needs Financial Advice? Everyone! Most Americans don’t have enough money saved for a $1000.00 emergency, much less have the money to invest in stocks and bonds for retirement. In reality, everyone needs financial advice.  For people who have financial troubles, where can they go for advice? Bankruptcy Lawyers are trained in helping solve financial problems for people with debt problems.  And, as a Bankruptcy Lawyer for over 30 years, I have been both an attorney AND financial advisor for every client! The Bankruptcy Process is NOT Just Filling out some Forms If a Bankruptcy Lawyer just fills out some forms after getting your information, and just tells you to sign them, he or she is NOT helping you. The Bankruptcy process is—Finding out about the client, their family, and their whole situation. What led them into trouble? What are their goals, and what is holding them back? And, then I develop a plan and some options to move forward. The goal is to develop a strong plan, one that will hopefully prevent my client from having major financial problems again! Financial Advice is a Major Part of the Process! First, I provide financial advice on how to deal with debt.  All types of debt- Mortgage, car, student loans, and credit cards.  What you can afford, what you can’t afford, and what bankruptcy can do for you, and how to stop debt collectors. Second, I develop alternatives.  What would these choices do to help you. What are the drawbacks?  How does the plan work?  How long would it take to accomplish your goals like buying a house or car or sending a child to college? Third, I help you envision your future. What will my life look like in a month, 6 months, a year, 2 years? During the whole process, I am advising you on how to handle your finances now, a month from now, 6 months, a year and 2 years in the future. The Goal—To Get Back on Track! If the process is done right, you will have a better idea of what your finances look like now, what got you into the tough situation, and how to not have to file for Bankruptcy protection in the future. We offer free consultations by phone, video, or in-person.  Contact us now for sound financial advice.  You don’t have to be rich to have a financial advisor! Daniel J. Winter 312-789-9999