Wealth Resources Group
Founder & Certified Financial Planner
Neal Frankle is an Independent Certified Financial Planner™, based in Southern California. He founded Wealth Resources Group in 1994 to provide comprehensive fee-based financial planning exclusively. His firm specializes in helping clients make smart decisions about their money so they can stop worrying and start enjoying the things that matter most to them. He works with retirees and pre-retirees, small business owners, highly paid employees and widows and divorced women.
Because Neal is a Registered Investment Advisor rather than a stock broker, he can work with his clients no matter where they live. Many of his clients work with him via phones and the internet even though they live within 5 miles of the office. As a Certified Financial Planner ™, he provides comprehensive financial planning for individuals and families. He focuses on tax planning, employee benefits, retirement planning, estate planning, investment management and insurance.
Neal gives his clients his word that when they work with him, he will listen. He will take the time to find out what his clients' true goals really are and will be their partner in developing an individualized plan to help them achieve those goals.
Neal knows what it’s like to have financial trouble. Both of his parents passed away while he was still in High School. He took a tiny insurance settlement to a financial advisor. Rather than help him grow it safely to help him get through college, the advisor churned and burned the account. It was horrible. But this experience made a deep impact on Neal and helped him really understand what it’s like to be in a tough situation with limited resources and almost no financial understanding.
This experience motivated him to help others by developing a top-rate financial planning firm offering clients a comprehensive range of investment and financial planning services that are customized to clients’ needs.
BS, Accounting, SDSU
Assets Under Management:
#Life and Health
How I help people
The record date is the date by which you have to be a shareholder in order to receive an upcoming dividend. The ex-dividend date is the date after which people buying shares would not be entitled to the dividend.
The ex-dividend date is usually 2 days prior to the record date in order to give the custodian time to register all new shareholders. If you buy shares prior to the ex-dividend date, you will receive the dividend. If you buy the shares on, or after the ex-dividend date, the seller keeps the dividend.
Realized profits are gains you actually "nail down" by selling a stock or fund for a price that is higher than what you paid for it. You have unrealized profits when you are holding a stock or fund that is currently trading at a price that is higher than what you paid for it. You have to actually sell a position with unrealized gains in order to have realized gains. When you have realized gains, they can't disappear. Unrealized gains can evaporate if the current price falls to a level below what you paid.
Cliff vesting refers to an employee's rights in an employer pension plan being completely vested at one point in time. The employee has no rights until that point and full rights after that point.
Other plans vest partially. In such plans, an employee's rights might be vested 20% per year for 5 years. All things being equal, a partially vesting plan protects the employee because even if they change jobs within the first 5 years (in this example), the employee would at least get a partial benefit. If the plan used cliff vesting, the employee would receive nothing if they terminate employment (for any reason) prior to the vesting point.
If by "real estate sector" you are referring to real estate investment trusts (REITs), the answer is 11.8% average annual return for the 20 year period ending June 2015. Does that mean you should expect such returns if you buy a single family home as a rental investment in your city? Not by a long-shot. Real estate investing results depend on where you invest, what kind of real estate, how you manage the property, and what you pay for the property. Moreover, just because real estate trusts did very well over the past is no guarantee of future results.
To make a wise real estate investment decision, first learn as much as you can about the local market including demographics and economics. Then study real estate transactions to understand market values. Finally, make sure you are clear on your goals (income, flip, long-term hold) before signing on the bottom line.
Good question. This depends on a number of elements; the size of your account, your investment objectives, your investment time-frame, your risk tolerance and your investment strategy. Most investors who are risk averse should likely stick with ETFs and funds, but if you have the risk appetite and the time to do research, stocks can work well. If you are investing $10,000, maybe 3 stocks. If you are investing up to $50,000, 10 stocks. And up to $100,000, 20 stocks.
Depending on the liquidity of the stocks you are trading, I would stick with no more than 20 because once you get beyond that, it may be difficult to track and update your holdings.