403b Consultants LLC | Employees have a choice.

Startling Facts

Americans are spending $1.20

for every $1.00 they bring home. (www.remtech.biz/FactsAndStats.htm)

Today's 30-yr-olds could be the most indebted generation in modern history.

(Business Week, Nov. 14, 2005)

It costs the average American family over $200,000 to raise a child to 18.

(www.remtech.biz/FactsAndStats.htm)

Almost two-thrids of students have to borrow money to get through school; as many as one-fourth may be accumu-lating credit-card debt to help pay for tuition.

(Business Week, Nov. 14, 2005)

The average American household with at least one credit card carried a balance of $7,945 in 2000.

(www.remtech.biz/FactsAndStats.htm)

55% of American workers have no idea how much they will need to save to make their retirement dreams a reality.

(www.remtech.biz/FactsAndStats.htm)

More than one-thrid (36.1%) of Americans report that they don't use a budget to manage their family's expenses.

(www.remtech.biz/FactsAndStats.htm)

Financial Life Stages

Below is the Life Stage Wheel. Each element can be clicked on and will take you to the related topic on the 360 Degrees of Financial Literacy website which is sponsored by the Association of Certified Public Accountants. Each link is packed with information for your use.

Our firms have CPA's on staff that have earned the certification of Personal Financial Specialist (PFS).*

*This designation can only be acquired by CPAs who are AICPA members (binding them to the Code of Professional Conduct), have a minimum of 1,400 hours of financial planning business experience, in addition to continuing education within the last five years and a comprehensive and rigorous personal financial planning exam.