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What is Financial Planning with Robert Snow of Morgan Stanley
Robert Snow (CRD#: 3203253), a registered representative with Morgan Stanley in Houston, Texas assists in explaining how Working with a financial planner can help you build and protect your assets, and help you achieve your financial goals. In this article, we will discuss the basics of financial planning. What is “financial planning”? You’ll hear that phrase on TV, in magazines, and lots of other places, but often, it seems like nothing more than someone telling you what you need to do to retire. It’s not that simple. Financial planning is like any other form of planning; it’s a system that’s made up of stages. Where are you? The first step is to figure out where you are now. A financial planner will look at your current financial situation and put together a complete picture of your financial health. ● Income ● Debt ● Assets ● Investments A complete look at your current situation is the starting point of any plan. Where do you want to be? The next step is to understand where you want to be. This might mean retirement or it can be the fulfillment of dreams. If you’re looking to retire, you might consider where you’re going to live, what it will cost, and how you’ll afford it. Perhaps you want to own a boat, have a vacation home, or travel the world. Whatever you want to do becomes the financial goals that your financial planner will look at. Important note: Now is the time to put your dreams on the table. If you want to own a taco stand on a beach in Southern California, tell your financial adviser. If your goal is to be able to go scuba diving in Belize, that needs to be said too. How are you going to get there? This is where your advisor takes over. She will let you know what your options are, how much you need to save, and what you need to do achieve your goals. If the plan is you’ll have a big nest egg in investments, she’ll start to guide that plan and help you find investments that meet your needs and your risk tolerance. (Risk tolerance is exactly what it sounds like; it’s the amount you’re willing to take chances with your investments. Your risk tolerance tends to go down as you age.) There are a number of things that your financial adviser will help you figure out: ● Budgets - We’ve all tried, and most have failed, to maintain a budget. With the help of your financial adviser, you’ll find a budget that works for you and will help you get to your ultimate goals. ● Retirement planning - This is at the heart of what everyone thinks of as financial planning. Your adviser will look at your 401ks, IRAs, stocks, bonds, and any other investment you have. They can then advise how those things can be modified or enhanced to help you get even more from your retirement. ● Investments - Is investment real estate right for you? This is also part of the conversation that you'll have with your financial adviser. You can explore the pros and cons of different types of material investments. ● Estate planning - Part of a solid financial plan is how your estate should be handled. You don’t want all of your hard work to be wrapped up for years in probate being squandered for legal fees. Your financial strategist will help you formulate a plan that will keep the taxes low for your heirs and smooth the transition upon your passing. ● Employee benefits - Every job has benefits that can be leveraged to make you more money, but not all of them are created equal. A financial planner will look at what’s available and tell you how to get the most from your efforts. Financial Adviser or Financial Planner While the terms are used interchangeably, there is one important distinction: a financial planner can be certified and that makes them a professional. A financial adviser can be the bank manager who gives you advice on CD rates or a stockbroker that tells you which stocks to buy. Anyone can be a “financial planner.” It’s a name they can just give themselves. A certified financial planner is someone that has met the right education and experience criteria to be called a financial planner. They have to pass tests and be accepted into a financial planner certification group. Financial Planning is Vital In today’s world of evaporating pensions, uncertain government retirement plans, and fast-moving markets, getting the right advice at the right time can mean that you’re living well or just living. See a certified financial planner who gets your economic life on solid ground. About Rob Snow Rob Snow (CRD#: 3203253), a registered representative with Morgan Stanley in Houston, Texas. Rob has helped his clients to achieve their financial goals by investing effectively. Robert Snow is a business graduate from the University of Houston who found his passion in the finance industry. Using over 20 years of experience Rob Snow ensures to provide effective results of people’s hard-earned money. He is the senior vice president of the cornerstone financial group located in Houston, Texas. Morgan Stanley has 16,000 financial advisors in all 50 states. Throughout his work life, Rob Snow has maintained a disciplined way of investing as he focuses on long-term financial goals. He has been through some of the major shifts happening in the global financial market. The whole knowledge and expertise have resulted to build and protect high net worth individuals. Robert’s main rule is his time-tested way of doing business. Morgan Stanley’s true foundation is its guarantee of sound investments made through professional research. Robert Snow top services include: Financial planning Financial advisors can help you determine an asset allocation strategy to help you reach your goals, then put those strategies in place. The Financial Advisor can also work with your tax and legal advisors to help create a personalized plan that helps minimize your taxes, incorporates estate and philanthropic goals and covers your future health-care needs. Retirement planning Financial advisors specialize in serving certain types of clients. When choosing a financial advisor, it’s important to keep in mind whether you’re looking for someone to help you get ready for retirement or protect your wealth. Wealth management Morgan Stanley has an exceptionally large team of 16,000 wealth management representatives. However, Morgan Stanley makes it easy to sift through its thousands of advisors to find the right fit for you. Find an advisor Municipal bonds For most municipal bonds, high yield and tax-efficient equity accounts, as well as financial planning services, there’s a $250,000 minimum for Morgan Stanley’s Fiduciary Services program. 401 (k) rollover When you rollover your 401(k) to an IRA, you may want to consider Morgan Stanley Access Investing, where you can choose retirement as your goal and set an expected time frame until you retire. Robert’s way of working includes detailed research according to your given portfolio as his expertise is not only to assist in investments but to increase your net worth as well. Not only he is the financial advisor but he also assists people in raising their capitals by offering mergers as well. According to the current global market, Morgan Stanley has presented its new proposal for sustainable investing as well. Robert Snow’s time tested approaches and inclusive innovation sustainable investing is the future boom for many investors. Even people tend to support such investments that can help the environment too. With their sustainable investing, Robert Snow’s goal is to reduce 50 million metric tons of plastic waste from water and land till 2030
Korzystny wyrok w wyrok w sprawie ulgizazle dlugi opublikowany w dzienniku urzedowym ue.
Korzystny wyrok dla przedsiębiorców w sprawie ulgi za złe długi został opublikowany w Dzienniku Urzędowym UE. Tym samym rozpoczęły bieg terminy, w których przedsiębiorcy mogą wnioskować o zwrot nadpłaconego podatku lub wznowienie postępowania podatkowego. Minister Finansów, po wniosku Rzecznika MŚP, zapowiada również jak najszybsze zmiany legislacyjne w ustawie o VAT w tym zakresie. W dniu 7 grudnia 2020 r. został opublikowany w Dzienniku Urzędowym Unii Europejskiej wyrok Trybunału Sprawiedliwości Unii Europejskiej z dnia 15 października 2020 r. w sprawie C-335/19 E. sp. z o.o. sp.k. przeciwko Ministrowi Finansów. W terminie 30 dni od jego publikacji, tj. do 6 stycznia 2021 roku przedsiębiorcy mogą wnioskować o zwrot nadpłaconego podatku, natomiast w terminie 1 miesiąca, tj. do 7 stycznia 2021 r. przedsiębiorcy mogą wnioskować o wznowienie niekorzystnego postępowania podatkowego. Rzecznik MŚP już wcześniej otrzymywał sygnały o barierach i utrudnieniach związanych z wątpliwościami w zakresie prawidłowego fakturowania i rozliczania należności w podatku dochodowym i podatku od towarów i usług w kontekście ulgi na złe długi uregulowanej w polskiej ustawie VAT. W celu ich wyjaśnienia, pismem z dnia 6 lipca 2020 r. Rzecznik MŚP wystąpił do Ministra Finansów, przekazując jednocześnie pytania przedsiębiorców w tym przedmiocie. W piśmie z dnia 6 października 2020 r. Minister Finansów wyjaśnił szereg problemów związanych ze stosowaniem ulgi na złe długi i udzielił odpowiedzi na powyższe pytania. Jednocześnie, w związku z wydaniem w dniu 15 października 2020 r. przez Trybunał Sprawiedliwości Unii Europejskiej wyroku w sprawie C-335/19 E., zgodnie z którym przepisy polskiej ustawy VAT uzależniające obniżenie podstawy opodatkowania podatkiem VAT od warunku, by w dniu dostawy towaru lub świadczenia usług, a także w dniu poprzedzającym dzień złożenia korekty deklaracji podatkowej mającej na celu skorzystanie z tego obniżenia dłużnik był zarejestrowany jako podatnik VAT i nie był w trakcie postępowania upadłościowego lub w trakcie likwidacji, zaś wierzyciel był w dniu poprzedzającym dzień złożenia korekty deklaracji podatkowej nadal zarejestrowany jako podatnik VAT – naruszają prawo unii, pismem z dnia 3 listopada 2020 r. Rzecznik MŚP wystąpił do Ministra Finansów z pytaniem o aktualność stanowiska z dnia 6 października 2020 r. oraz czy planowane są zmiany legislacyjne w przedmiotowym zakresie. W odpowiedzi, pismem z dnia 25 listopada 2020 r. Minister Finansów potwierdził, że w związku z wydanym ww. wyrokiem jego stanowisko częściowo straciło na aktualności, a także poinformował, że podjęte zostały prace nad jak najszybszym wprowadzeniem odpowiednich zmian w przepisach art. 89a i 89b ustawy z dnia 11 marca 2004 r. o podatku od towarów i usług (Dz.U. z 2020 r. poz. 106 ze zm.) regulujące instytucję ulgi na złe długi, zgodnych z tym wyrokiem. Source URL: