Archive for Kristi’s Quotes

Kristi’s Quotes: Financial Decoding with U.S. News & World Report

Kristi's Quotes

Do you find it hard to understand financial experts? I don’t blame you! That’s why I helped U.S. News and World Report decode the terms you might hear.

Say what?


“Meeting with a financial professional can be key to getting your finances on track. But one thing that doesn’t make it easier: When your financial advisor seems to be speaking an entirely different language.

“Deleverage” … “Fixed income” … “Tax-loss harvesting.” What the heck is your advisor even talking about when he uses these terms? U.S. News tapped certified financial planners to round up their least favorite financial jargon – and to translate what your financial professional is actually saying. Their top 10 peeves are below.”

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Kristi’s Quotes: Giving the Gift of Financial Well-Being

Financial Planner

This one came out around Christmas from Fox Business, but it’s a concept worth thinking about whenever gift-giving opportunities arise.


While it’s long been possible to hand out cash, buy stock or contribute to college savings plans, financial institutions and retailers are making it easier to bestow a gift with lasting value.

Among them is Stockpile, a company that sells gift cards that can be redeemed for stock, which is rolling its products out to more than 14,000 stores this holiday season after seeing success at other retailers. College savings plan administrators, which see contributions peak at the holidays, have been adding new ways to donate. And Gift of College, which helps people to contribute to college savings plans or pay down student loans, began selling gift cards at Toys R Us and Babies R Us nationally this month.


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Kristi’s Quotes: Liz Weston Asks about Kids and Money

Financial Planner
Who was interviewed by Liz Weston with the Associated Press? Me, that’s who!


Financial planners and credit counselors see plenty of examples. The grown son who lost a job, moved home and stopped looking for work. The daughter who constantly mismanaged her checking account — and turned to payday lenders when parents stopped covering her overdrafts. The father working into his 70s to support spendthrift children in their 40s and 50s.

Kristi Sullivan, a certified financial planner in Denver, once worked with an elderly couple whose offspring constantly turned to them for help.

“The clients couldn’t understand why their grandchildren had all the latest iPads and phones, but when a car or home repair came up, their adult children always had to ask them for money,” Sullivan said….

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Kristi’s Quotes: Investing Tips from the Experts

Financial Planner
The editorial team at ETF Reference surveyed 57 ETF investing experts in search of the best tips for exchange-traded fund investors. The response we received was incredible. Our panel sent us hundreds of amazing tips! We winnowed that list down to101, which are presented below.


We asked our panel, “What is the one piece of advice you’d give to an investor just starting to build a long-term portfolio?”



Click here to find out what Kristi and dozens of others advise!

I Was Promoted by an Ass!

Financial Planner

I was thrilled to be named one of Credit Donkey’s Best Investing Blogs for 2016:

With so many investing sites out there clogging the Internet with fluff and unclear directives, you can easily get lost. We help you find your way by featuring the very best investing blogs and resources that can help you make smart choices with your hard-earned money.

Why Sullivan Financial is a Top Investing Blog: Though it’s packed with plenty of great financial planning tips, it’s the simple, clear language of this blog’s stock market content that makes it a great read for investment rookies.


Wait…who did you think I was talking about?

Kristi’s Quotes: The Chicago Tribune Asks Kristi about Retirement!

Financial Planner

Working for yourself means giving up certain benefits, like a workplace retirement plan. But when it comes to saving for old age, you still have plenty of choices.


Which retirement account you choose depends on how much you earn and the amount you want to contribute in any given year, financial planners say. Here are your best options (assuming you work solo and don’t have employees).


What if you can afford to stash away more than $5,500 this year? Consider opening a simplified employee pension plan, or SEP-IRA.


SEPs are available through brokerages, such as Fidelity Investments and The Vanguard Group. And you can put away a significant amount, as much as 20 percent of your net self-employment income, up to a maximum of $53,000 in 2015.


“SEP-IRAs are easy and inexpensive to set up, and you can put in a good chunk,” said Kristi Sullivan, a financial planner in Denver….


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Kristi’s Quotes: 15 Signs You Need a Financial Planner

Financial Planner

Financial planning is the process by which a person or family works with a financial professional to set goals, financial and otherwise, and to develop a plan for meeting them. A Certified Financial Planner™ (CFP®) is trained to develop a plan to serve as that map or GPS. And the CFP designation means they must adhere to a code of ethics and a fiduciary standard that require them to put their clients’ best interests first. To find a CFP® in your area, visit the Financial Planning Association’s national database at

Whatever you’re financial circumstances, it’s probably a good idea for you to consider working with a financial planner if…

The stock market’s volatility sends you into an extreme state of agitation. This “may mean that you don’t have a real plan for your investments and just pick stuff at random to buy,” says Kristi C. Sullivan….


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Kristi’s Quotes: Think You’re in the Will? Think Again.


Faced with longer life expectancies, a savings shortfall and skyrocketing medical bills, retirees are increasingly reluctant to transfer assets to their children during their lifetime—lest they need that money to make ends meet.

Where excess assets exist when they die, many are also more likely to give to a worthy cause or skip their children and name their grandchildren as beneficiaries instead.

It’s a trend that CFP Kristi Sullivan of Sullivan Financial Planning expects to continue.

“I definitely see more planning clients who don’t have an interest in leaving money to their kids….”


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Kristi’s Quotes: Marcum Financial Services Asks About Retirement!

Financial Planner

Marcum Financial Services quotes Kristi on the 10 Steps to Achieve Your Retirement Goals.


From Social Security to saving, these tips can help make your money last. Everybody wants to be safe from the buffeting that life can inflict upon retirement plans – to have the financial resilience to bounce back when things go awry. For starters, here are 10 mistakes to avoid in retirement planning.


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Kristi’s Quotes: Will a New Year’s Resolution Help Your Retirement?

Financial Planner

Striving to improve our lives is part of being human. We all have things, personal and professional, we want to accomplish, goals we want to achieve, things we want to change about ourselves. That’s why we have the New Year’s resolution.

Wavering in our resolve is also part of being human, which is why New Year’s resolutions can be so difficult to keep. But add the prospect of financial gain into the equation and suddenly a resolution seems far more attainable.

A little psychological gamesmanship can help in that regard. “The word ‘resolution’ has a negative feeling to it,” says Kristi C. Sullivan, a Certified Financial Planner™ (CFP®) in Denver, Colo. “People dread New Year’s resolutions because they usually involve other negative words like ‘diet,’ ‘budget,’ and ‘gym.’” To overcome that negativity, she suggests….

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