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© 2019 by Recker Financial LLC.

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The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, Recker Financial LLC (referred to as "Recker Financial") disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement and suitability for a particular purpose. Recker Financial does not warrant that the information will be free from error. None of the information provided on this website is intended as investment, tax, accounting or legal advice,  as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. Under no circumstances shall Recker Financial be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if Recker Financial or a Recker Financial authorized representative has been advised of the possibility of such damages. In no event shall Recker Financial LLC have any liability to you for damages, losses and causes of action for accessing this site. Information on this website should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.

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Recker Financial LLC (“Recker Financial”) is a registered investment adviser offering advisory services in the State(s) of Michigan and in other jurisdictions where exempted.  Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Recker Financial in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Recker Financial, unless otherwise specifically cited.  Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.

Cash Flow and Budgeting Services in Central Michigan and the Thumb

Our cash flow and budgeting services in Central Michigan and the Thumb region gives clients the tools they need to keep track of their spending automatically.  Our technology links directly to banks, credit unions and credit cards to consolidate household spending in one place. Clients can then use this data to help them set a budget based on their average spending.

At Recker Financial, we’ll sit down with you to help you figure out a reasonable budget and where you should save any excess cash flow.

Savings Impact

Using advanced planning software from RightCapital, we can quickly and accurately project out how much of an impact extra savings will have on your financial goals.  This gives you the clarity that you need to set and achieve realistic goals.

 

Here is an example of the impact incremental changes can have on your financial situation if you’re trying to reach your retirement goals.  In the first scenario you’re saving $200 per month, and in the second scenario you are saving an additional $400 per month.

Saving $200/Month

Increasing Savings by $400/month

As you can see, saving $600 per month as opposed to $200 per month raises the probability that you will reach your retirement goals from 76% to 94%.  That’s a pretty significant jump.

 

Many financial planners in the Central Michigan and Thumb areas will actually ignore cash flow and budgeting when developing their plans.  However, that’s a big mistake as it is a vital component that you need to consider if you’re serious about reaching your financial goals. That’s why we offer this service at Recker Financial.