Skip TikTok: 4 Legit Places To Get Free, One-on-One Financial Advice
Although TikTok may be a go-to for some for financial advice, it should serve as a jumping-off point -- not a primary resource. Financial advice should be personalized, based on factors such as income, debt, age, goals and risk tolerance. Advice that works for one person may not work for another.
One-on-one guidance tends to be more helpful because it can address the nuances of one's financial situation, including cash flow versus net worth, spending behaviors and "good" debt versus "bad" debt.
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The good news is that personalized financial advice doesn't have to be expensive. In fact, sometimes, it's free -- like these resources below.
Advisers Give Back
Work with a free financial planner to pay off debt, learn investing basics or prepare to buy a home. Once you sign up, Advisers Give Back pairs you with an adviser who helps you develop a personalized action plan to meet your financial goals. Over the next four weeks, you'll work through the steps via an online dashboard. For support, you can email, text or message within the app.
Thrivent Money Canvas
If you're looking to build better financial habits, Thrivent's Money Canvas is a free three-session program led by a financial coach. Each session is 60 minutes. Session one involves discussing your monthly budget and financial habits you want to change. Session two breaks down monthly expenses, compares how you're doing against benchmarks and arms you with practical tips against hidden financial leaks. Session three focuses on spending habits and triggers and helps you design a plan to reduce spending in one area. Once you've completed the sessions, you begin a month-long challenge to implement the plan.
Savvy Ladies
Savvy Ladies offers free, professional financial advice to all females 18 and older. To get started, complete the intake form and submit your financial question, including those related to divorce, debt, investing or retirement. Once you confirm your email, you'll be matched with an experienced financial professional who will answer your question for free via email, phone or virtually.
Credit Unions
Some credit unions offer their members no-cost one-on-one financial coaching related to building an effective budget, saving for retirement or paying down debt. Check with your credit union; it may offer these services for free, as Wall Street Journal reported. If you aren't a member of a credit union, HAPO Community Credit Union offers free money coaching to everyone. You can book a free, hour-long session with a certified financial coach from 9 a.m. to 5:30 p.m. PST.
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.
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