Kathryn Hauer

Personal Finance, Retirement, Taxes
“Kathy, author of "Financial Advice for Blue Collar America," helps you plan and manage your money while teaching you about financial matters and financial safety.”

Wilson David Investment Advisors

Job Title:

Financial Planner


I fix things. My specialties are financial planning, financial literacy education, taxes, and investment advice, but over my 30-year career, I've been able to help people fix problems with money, construction projects, meetings, sentence construction, culinary disasters, and academic difficulties.

I wish I were like Samantha of the TV show Bewitched and could just twitch my nose to repair everyone's problems. Unfortunately, no magic erupts when I twitch my nose. I help clients using my knowledge, experience, and hard work...although I like to think that our working together has its own magic. My work as a lecturer, teacher, copy-editor, writer, presenter, negotiator, researcher, and office manager in a diverse cross section of business, educational, and government organizations has helped me gain the depth of knowledge needed to advise my clients in all aspects of sound financial planning and investment. I have been described as a fast, cheerful, flexible worker who rapidly resolves unexpected problems and project difficulties. I manage work quality and time based on guidelines provided and use my talents to provide customers with top-notch service.

As a champion for financial literacy, I speak at high schools, libraries, career fairs, churches, businesses and community groups - anywhere I can get a platform! - to raise awareness about financial knowledge and safety. I recently published "Financial Advice for Blue Collar America" which offers guidance on basic concepts of money including insurance and taxes, financial traps to avoid, how to pay for college and tech school, and info about the bright future ahead for blue collar careers.


BA, College of William and Mary
MA, College of William and Mary
MBA, University of South Carolina

CRD Number:



By choosing to work with this Advisor, you acknowledge that neither Wilson David Investment Advisors nor this Advisor makes any representations or promises that the services you receive are appropriate for you and your business or guarantees any specific outcome or results. Wilson David Investment Advisors does not guarantee the suitability of the Advisor for your particular needs and does not endorse the advice and services rendered by any Advisor. Wilson David Investment Advisors is a registered investment adviser registered in South Carolina and GA through FINRA. Any commentaries, articles or other opinions herein are intended to be general in nature and for current interest. All content on this website is presented as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. All investments involve risk, including loss of principal invested.  The answers presented on Ask an Advisor should be considered general information presented to inform the public. They are based on the information provided in the question, which may have omitted important details that would have changed the answer had they been known. Please consult a financial advisor before concluding that the information is relevant to your own situation.

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What is a good debt to income ratio?
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Hi!  Thanks for writing. Wow – you have a GREAT credit score….nice work. That’s so hard to do.

You ask a couple of questions, and I want to address them separately to fully explain. Your first question is about a debt-to-income ratio. To calculate your debt-to-income ratio, you add up all your monthly debt payments and divide them by your gross monthly income. Right now, yours is about 25%. What is considered “good” is a matter of personal opinion, but for mortgage lenders they look for that ratio to be under between 36% and 43% depending on the lender. If your income stays steady, your debt to income ratio will increase if you buy a car and commit to making car payment. Let’s assume your new car payment is $300. You new debt to income ratio would increase then to about 38%.

I can’t say exactly how much your credit score would lower as a result of incurring more debt…that complicated calculation is done by the credit bureaus!  It is likely, as you say, that your credit score will decrease somewhat because you are taking on more debt and more debt means some lowering of the credit score. It’s interesting to note that the credit score doesn’t take income into account, so income isn’t really a factor in the credit score.

One other thing I want to add is that although the credit score is individual, if you take on any joint accounts with your husband, the actions in the joint account will affect each of your credit scores. For example, your 800+ credit score could decrease if you and your husband bought a house or car together and he failed to make the payments on time or at all. So anytime a person is a joint account holder with another person it’s important to monitor the payments and make sure they are made on time and in full.

I hope that helps – if you get that new car, I hope you enjoy it. Best wishes to you!

June 2016
Do we pay capital gains taxes on the profit if we sell the house?
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April 2016
    Taxes, Income Tax
I already filed my income tax return, but my employer sent me another W2 form(1099 tax).
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May 2016
    Estate Planning
How should we settle my mother's estate?
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June 2016
    Career / Compensation, Starting Out
Is it normal to get a 64% and a 62% on the Series 6 and 63; respectively?
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June 2016