Do we need more term insurance with kids in college?
Q. My husband and I are both 50 and we both work. We have two kids who will start college in the next few years.
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Our mission at Aznar Financial Advisors, LLC is to do the following:
Aznar Financial Advisors, LLC is an independent fee-only financial planning firm located in Morris Plains, New Jersey. We specialize in working with individuals, couples and families to develop and implement a detailed financial plan that integrates cash flow management, education planning, income tax planning, retirement and estate planning, risk management and investment advice. We will partner with you to manage your personal finances and your investment portfolio proactively and efficiently.
With so many priorities competing for your time and attention, it can be easy to neglect your personal finances. Even though ignoring this aspect of your life will be detrimental, when you have so little time, it often feels easier to delay addressing your personal financial planning needs.
In order to achieve your goals, protect your family and ultimately enjoy the life that you want to live, it is imperative to make a commitment to your personal finances. The sooner that you make this commitment, the greater the likelihood that you will achieve your goals. AFA, LLC will serve as your “coach.” We will work with you to make a plan to achieve your goals. As with everything in life, there are no guarantees. However, living proactively with a competent, qualified, caring financial advisor in your life will greatly improve your chances of achieving the life you want in the future, which will ultimately improve the quality of your life right now.
Marnie Hards founded Aznar Financial Advisors, LLC, a fee-only financial planning firm and a registered investment advisor in the State of New Jersey in 1999.
Before starting Aznar Financial Advisors, LLC, Marnie worked as a financial planner with the Ayco Company, LLP and as an associate with PricewaterhouseCoopers. After working in this capacity, she worked in corporate finance at Booz Allen & Hamilton.
Marnie has a Masters of Business Administration degree, with a major in Finance from Fairleigh Dickinson University in Madison, New Jersey. She earned her undergraduate degree in Hotel Administration with a concentration in Finance from Cornell University in Ithaca, New York. She completed an eighteen-month course to earn her “Certificate in Financial Planning” and received authorization to use the CFP® marks of distinction in January of 2001.
A NAPFA Associate, Marnie has been a member of NAPFA (National Association of Personal Financial Advisors) since 1999. She is also a member of the Personal Financial Planning section of the AICPA (American Institute of CPA’s). She has participated in panel discussions at NAPFA “Basic Training” aimed at teaching new planners the intricacies of developing a financial plan. Marnie has been a volunteer for the VITA (Volunteer Income Tax Assistance) program and for the Resource Center for Women in Summit, New Jersey.
Marnie has been quoted in Kiplinger’s Personal Finance Magazine, Ladies’ Home Journal, Investment Advisor Magazine, Smart Money Magazine, and the Daily Record and is a frequent contributor to NJMoneyHelp.com. Please check the News section of the website to read more.
Marnie has been an adjunct professor at Fairleigh Dickinson University where she taught finance courses at the undergraduate and graduate levels. She also teaches a course on the basics of personal finance to a group of high school students in the “Discover Business Teen Camp” program offered annually at Fairleigh Dickinson University (FDU). FDU offers an online “personal finance certificate program” that is designed to teach high school students the basics of personal finance.
Marnie lives in Morris Plains, New Jersey with her husband and two daughters.
Q. My husband and I are both 50 and we both work. We have two kids who will start college in the next few years.
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“Fee-Only” refers to our compensation structure. To avoid conflicts of interest, “fee-only” planners are compensated solely with fees paid by their clients and do not accept commissions or compensation from any other source. There is no pressure to purchase specific products and there are no hidden commissions. Because AFA, LLC does not sell products or receive commissions or other compensation from third parties, we want you to feel confident that our recommendations are impartial and unbiased. Although it is impossible for any compensation structure to be completely conflict free, we do believe that our approach is objective. As fiduciaries, we always provide advice that we believe to be in the best interest of our clients.
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