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J.K. Roberts

Personal Finance, Retirement, Investing
“An Independent Registered Investment Advisor based in Phoenix Arizona”

Phoenician Financial Planning, LLC

Job Title:

Owner and Financial Advisor


J.K. Roberts has worked in the investment and finance field since 2003. He is both a Certified Financial Planner™ certificate holder and a Chartered Retirement Planning Counselor℠. He earned a Master in Business Administration and a Bachelor of Science in business management. He currently holds an Arizona Life, Accident and Health or Sickness insurance license and the IRS Preparer Tax Identification number required to complete client tax returns. He works as an independent financial advisor as a Arizona Registered Investment Advisor. In the past, he held several Financial Industry Regulatory Authority and National Association of Securities Dealers investment securities licenses.

He has worked with high net worth clients for The Vanguard Group and Ameriprise Financial. While at Merrill Lynch, he created financial plans for hundreds of clients. He has also worked with Jackson Hewitt and the Arizona Department of Revenue during the tax season. Mr. Roberts spends his free time volunteering his financial expertise for various organizations. He has served as Treasurer for several non-profit organizations, including his daughter's Parent Teacher Association, his downtown Phoenix historic district, and several political campaigns. He has also taught financial literacy for charity organizations and offered his tax expertise to help low income families who filed through the IRS Volunteer Tax Assistance and  Tax Counseling for the Elderly program.


BS, Business Management, University of Phoenix
MBA, University of Phoenix

Assets Under Management:

$1 million

Fee Structure:


CRD Number:


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June 2018
    Small Business Taxes, Small Business
February 2018
    IRAs, Investing, Retirement Plans
June 2017
    401(k), IRAs, Retirement Plans, Taxes

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    College Tuition, Debt, Real Estate
Can I use a student loan to pay for an apartment/bills?
43% of people found this answer helpful

The simple answer is yes, you can.  The real question is if you should. 

That's not as easy to answer and the repercussions could be long lasting either way.  First off, do you need to devote all of your time and energy to school right now?  If yes, using the money to cover expenses is a good idea.  If your school work load is light enough, taking on a part time job would be a better idea.  Think about that though... you don't want a job to take focus away on school.  Your education is far too valuable.

On the other hand, those student loans have to be paid back with interest.  I was in a similar situation a decade ago.  I choose to use some of my money to support myself.  It helped me finish my graduate degree, but unfortunately life happens after school. 

My wife lost her job in 2008 Great Recession shortly after our daughter was born.  I had left my higher paying job for positions that paid less, but focused more on the financial planning direction I wanted to go.  A decade later, I haven't made the dent in payments that I would have liked too.  Interest has added thousands to the cost of an already pricey education.  Was it the right decision?  I think it was for the time.

The best way to make a decision for yourself is to ask if these paying these expenses is a want or a need.  Build a budget first, then go from there.  If you can't budget around school and taking a second job (face it, school is a full-time job) is going to hurt your education, use the money now.  Be mindful of the future cost though.


June 2017
    IRAs, Taxes, Retirement Plans
Should I open an IRA or a Roth IRA?
29% of people found this answer helpful
June 2017
    Investing, Starting Out
Should I start investing at 19 years old or save up cash?
0% of people found this answer helpful
June 2017
    Choosing an Advisor
How do you advise I research a new financial advisory firm?
0% of people found this answer helpful
June 2017