Kelly Ruggles Is A FinancialPlanning Expert

Kelly Ruggles president and founder of AmericanReliance Group, is a registered investmentadvisor with 15 years of experience in financialplanning.

Kelly believes planning is a must in all aspects oflife. Being prepared for the unexpected; loss of ajob, illness, unforeseen financial demands orevents, can easily put a strain on financialdemands.

Kelly believes the best solution is to have anemergency account with enough money to coverat least six months expenses. With out theavailability of this type of account peopletypically turn to credit cards.

This may be your only solution without such anemergency account, however as we know, creditcards balances come with the weight ofrepayment and interest due.

In his book, Kelly Ruggles writes about theimportance of hiring a professional to assist in thefinancial planning process. His book is designedas a guide for better decision-making when itcomes to planning and saving.

According to Kelly, while formulating financialplans, many factors must be considered - such ashealth, expenses to maintain preferred retirementlifestyle, sources of retirement income, andinvestment risks.

Kelly Ruggles believes many regard financialplanning to be extremely complicated. Whereasplanning can really be boiled down to evaluatingyour present financial situation, deciding yourgoals, and making a road map to achieve thosegoals. A good Advisor can assist in making thisprocess much easier.

About Kelly Ruggles

Kelly Ruggles is a financial planner, educator andalso the founder of American Reliance Group. Hefollows 'client needs based' planning philosophy,as the financial planning needs of each individualare unique. To know more about Kelly Ruggles,browse through www.kellyruggles.com.