Our first meeting is always free. Pricing will be discussed prior to applying any charges and you never pay for anything not deemed to be value-added.
We love the Military. Noah (Staff Sgt.) and his wife (LtCdr-select) are both veterans, so he understands the unique challenges and opportunities faced by our members. Ask about our military discount.
(They did not meet while in the military if you're wondering about the fraternizing relationship between Enlisted/Officer) :)
VLUGRD does not offer investment advice. We can help you run the numbers and discuss outcomes.
The risk of a market decline is great, but there is also a lot of risk in selling off in a recession as you must get the timing correct twice -- First, before the drop and Second, before it starts going back up -- making it very difficult to accomplish even for the most sophisticated investors.
Public Service presents unique rewards and challenges, and a one-dimensional answer is not appropriate. We'll work to get a good understanding of your situation and help you make a decision aligned with your goals. As the husband of a Medical Doctor, Noah understands the mental and financial toll of heavy student debt burdens.
Your financial advisor may be great, and we are not trying to replace them. VLUGRD provides an unbiased perspective on all matters, including the financial -- We specialize in supplementing FA's work from a different perspective. We are not paid to promote products, we do not earn commissions, we are experienced financial analysts, and we are mission-focused to help.
We love complexity. We can develop new tools and models to handle particularly complex situations.
Noah has nearly a decade of analytical experience and with some of the world's largest financial institutions. He specializes in credit risk and has worked with companies in many industries and of various sizes. He is currently a Credit Examiner in Corporate & Investment Banking at a top 5 global institution. The institution does not provide research, support, or guidance in this endeavor.
Noah does not believe all debt is bad -- some is good, some is bad. Noah's perspective on Dave Ramsey changed when Dave told a caller to pay off all of their debt with all of their available cash. The caller's employer had a 100% loan repayment benefit (free money to payoff the debt over time) and available cash would be $0 after payoff. That didn't make sense to Noah and Dave's one-size-fits-all approach fails to meet common sense at times. Noah is an advocate of common sense.
No investment advice is provided, we are not licensed advisors, we do not sell financial products/investments, and we do not recommend financial products/investments of any type to our customers. We do not derive any fees from referrals. We may provide limited education on products/services that exist for clients to discuss with their licensed investment advisor.
No. You should hire a tax expert.
No. Noah performs business analysis in his day job and started VLUGRD to help everyday people.
Feel free to reach out and we'll see if we can help.
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