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Robert A. Imparato, Jr CFP®
CERTIFIED FINANCIAL PLANNER™ professional
Craig A. Hyldahl CFP®
CERTIFIED FINANCIAL PLANNER™ professional
R.I.C.H. Planning Group, LLC
105 Fieldcrest Avenue, Suite #507
Edison, NJ 08837
Robert: 732-326-5240
Craig: 732-326-5240
Fax: 732-326-5331
Robert: robert@richplanninggroup.com
Craig: craig@richplanninggroup.com
Website: www.richplanninggroup.com
July/August 2018
Back to School
Before you know it, summer will end and the kids will head to school. Parents know this is a costly exercise. So does the National Retail Federation, which estimates back to school spending at more than $83 billion in 2017.
So, before you start shopping for school clothes and supplies, consider making a plan to keep costs reasonable.
Keep to a Budget
To spend only what you need to spend, you should not only create a budget, but stick to it. That’s easier said than done, when children beg publicly for the latest trendy item.Name the “Must-Have”
So you don’t come off as Scrooge, allow each child one “must-have” item for the new school year — within guidelines — such as a backpack or clothing item, as opposed to a new smartphone.More is Less
School supplies like pencils, pens and paper can seemingly disappear into a black hole during the school year. So why not shop for these and other often-used items in quantity to save money?Shop Early
You don’t buy snow blowers after the first snowfall or lawn mowers as spring arrives because they cost more during these peak times. The same goes for buying school supplies and clothes. Shop before or after the peak buying time to reap savings.Buy Used
Whether you’re looking for college textbooks or paperback books for a high school English class, buyingused will save you a few dollars. Some college textbooks can be rented online or borrowed from the library.
GE-133484 (6/18) (Exp, 6/20)
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Duly registered and licensed financial professionals offer securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN), offer investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor, and offer annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of Utah, LLC in UT; Equitable Network of Puerto Rico, Inc.). Equal Opportunity Employer - M/F/D/V. Equitable Advisors and its associates and affiliates do not provide tax, accounting, or legal advice or services.
R.I.C.H. Planning Group, LLC is not owned or operated by Equitable Advisors or Equitable Network. GE-6572038.1 (4/24)(Exp. 4/26)
CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc.
These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.
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