Dave Ramsey, Rachel Cruze, and Chris Hogan did a free Livestream last Thursday evening entitled "What Now? COVID-19 And Your Money!" In case you missed it, you can still watch it on their website, here. The Livestream is definitely worth watching but I will do a quick re-cap of their presentations here. "What Now? COVID-19 And Your Money!" Dave Ramsey started off the Livestream sharing that for the first time in 30 years, everyone in their company worked from home. He was nervous. As a business owner he cares for his employees and their families and wanted to make sure everyone was taken care of. He talked about how this pandemic impactedll of us in one way or another and that for many Americans, this should be their "never again" moment. Meaning, if you were not where you wanted to be when this hit the economy (debt-free, emergency fund in place, etc) he recommended that this becomes your never again moment that causes you to make a change. Rachel Cruze talked about the value of doing a budget and talking about money with your spouse, if you are married. She shared that budgeting is not only something you should do while you are paying off debt, but that it's a great tool to help you to continue to win with money. Chris Hogan talked about saving for emergencies and retirement. One thing that he mentioned was that many Americans are afraid to talk to a Financial Planner because they are afraid their finances are too much of a mess. This stuck with me because as one of Dave Ramsey's Smartvestor Pros, we would never want people to be afraid to reach out to us. One of our core values is to "have the heart of a teacher" and that is because we enjoy helping and teaching clients! Dave came back out to wrap up the presentation and talked a little about their new platform, Ramsey+. Ramsey+ has 3 main features: "Learn", "Budget", and "Track". The "Learn" part is Financial Peace University plus other lessons including a budgeting lesson, Smart Money, Smart Kids, and The Legacy Journey. The "Budget" part is Everydollar. And "Track" is a place where you'll be able to track your progress through the baby steps. They are offering a free trial right now as a way to let people try it out since it is new. You can watch the Livestream and learn more about Ramsey+ on their website, here. If you have any questions about investing or retirement, or anything else that is specific to your financial situation please don't hesitate to reach out to one of us. There are 5 Financial Planners on our team and you can meet us and reach out to one of us here.

This pandemic has had an impact on all of us in one way or another and for some people, it may mean that they find themselves changing careers. If this is you, maybe it is a blessing in disguise. While it is not ideal to lose your job, the job loss may be what will push you towards pursing a career and passion that you have always wanted to pursue. Whether it is due to COVID-19 or another reason, if you find yourself in-between careers right now, here are some books and podcasts that will help equip you to make the most of this change. 7 Podcasts and Books For Career Changes The Proximity Principal by Ramsey Personality, Ken Coleman. - Ken says that 70% of Americans are unhappy with their jobs. In his book, Ken talks about the people and places you need to be connected to in order to get a job you love. You can read more about the book on Dave Ramsey's website, here. The Ken Coleman Show – on his show, Ken applies the principals he teaches in The Proximity Principle to people’s every day life and questions. He answers caller's questions and gives advice on how to find a job you truly enjoy. You can listen to his show and learn more on Ken's website, here. EntreLeadership - The EntreLeadership book is Dave Ramsey’s step-by-step guide for leading your business to success. The EntreLeadership podcast is a great listen for business owners and/or those that are looking to move up in their career. You will hear from leaders and teachers in many different areas of business. It will help you learn how to be a better business owner, leader, and employee. You can learn more about both the EntreLeadership book and podcast on their website, here. The 21 Irrefutable Laws of Leadership by John Maxwell – John Maxwell is a wonderful writer and teacher, especially when it comes to business and leadership. This book will be beneficial whether you are looking to be a leader or looking to grow as an employee. The Christy Wright Show – Christy is one of the Ramsey Personalities and she has a passion for business. On her show, she discusses all kinds of personal development topics. Her book and conference, The Business Boutique, are designed to help encourage women to make money doing what they love. You can learn more about her show, book, and conference on her website, here. Smart Passive Income with Pat Flynn – This is a great podcast for entrepreneurs. Whether you are starting a side hustle or a full-time business, this podcast will equip you with advice and strategies. The Side Hustle Show – This is another great podcast for entrepreneurs. The advice and interviews you hear will help equip you to start and/or grow a business. If you are changing jobs and you had a 401(k) with your previous employer, you are eligible to roll that over into an IRA. This can give you more flexibility and control over your money. We have an article that outlines your options for your old 401(k) and you can read that here. We are always happy to discuss your situation to see if it makes sense for you to roll over your previous employer's 401(k). You can meet our team of advisors and reach out to one of us here.

For many Americans, a large part of your retirement net worth is contained within your company 401(k) plan. Employer’s encourage this type of saving by not only giving you an easy payroll deduction option, so your savings is automatic, but they also provide you with a match, up to a certain percentage and occasionally will even make profit sharing contributions to that plan. Additionally, they have the fiduciary responsibility to select the investment options available to you within their plan. Many times those options are basic index funds or other mutual funds that have passed a screening process that they and their investment counsel have selected. This works well for the many participants but as investment knowledge, in general, has increased and the demand for customization has become more popular, plan sponsors have started to roll out something called a self-directed brokerage option within their plan. What is a 401(k) Self-directed Brokerage Option? For the right investor or those that have the professional help of an advisor, this could lead to improved results and increased customizations for a participant within their retirement plan. A typical 401(k) might include 20 different mutual funds and a suite of target date funds (e.g. mutual funds with a year on the end of their name – designed to do it for you based on your estimated date of retirement). With a self-directed option, the investment universe, with perhaps some employer restrictions still incorporated, will now become vastly larger. Take for example, an employer within our local community; Goodyear. Their plan has a few index fund options along with a target date suite and so for the novice investor this more than likely works out well. However, they also have a self-directed option through Charles Schwab. This means any mutual fund that is open and available through Charles Schwab, the Goodyear employee would have access to invest in, while still “inside” of the Goodyear 401(k) plan. This allows those employees to now pursue investment options, that perhaps can be more customized to their individual needs and preferences. So, if a 401(k) participant were to invest in the Small Cap Growth Index option through their plan using the Vanguard Small Cap Growth ETF (ticker symbol VBK) as our proxy, they would have experienced a return of 12.75% over the last ten years (as of 5/31/2020), before any plan fees. However if the participant would have pursued the self-directed option, utilizing Whitaker-Myers Wealth Managers, as their investment advisor, our small cap growth fund option is typically Brown Capital Management Small Company Fund (ticker symbol BCSIX) which has returned 17.28% over that same ten year time period. Of course, when utilizing an investment advisor, you would need to account for the cost of the advisor and we always note that past performance, while helpful in understanding a fund manager’s ability to find value in the market through their stock selection, is no guarantee of future performance. How to know if Whitaker-Myers Wealth Managers can help with your 401(k) self-directed brokerage option... If the self-directed plan is held through Charles Schwab (many are either held through Schwab, Fidelity or TD Ameritrade), Whitaker-Myers Wealth Managers can not only select the investment options for your plan but we can also rebalance, monitor, make changes, and give customized reporting on the balances in their plan. For the right investor, this may be very appealing. Should you be interested in determining if your plan has a self-directed option, please reach out to your Whitaker-Myers Wealth Managers financial advisor or call your plan Recordkeeper (whomever sends your statements) and ask if they provide you with a self-directed option. If so, should the plan custody those assets at Charles Schwab, we can start providing investment management on your plan by completing basic Schwab paperwork. Should your company provide the self-directed option, through TD Ameritrade, it is likely that Whitaker-Myers Wealth Managers, will be able to provide investment management on those accounts around the end of 2020, when Schwab’s acquisition of TD is complete. If you have questions, you can reach out to one of the Whitaker-Myers Wealth Managers Advisors, HERE!

If you are wanting to save money for your kids, the next question is always “what type of account should I open for them?” The answer depends on the goal for the money. If you want them to be able to use it for anything that they need/want (ie: house, car, etc) then you will likely want to open an UTMA for them. Here is an article that outlines all the details of an UTMA account. If the answer is that you want to help them pay for college, then you will want to look at an account that is specifically designed for that, such as an Education Savings Account (ESA). The Basics of an Education Savings Account (ESA) An ESA is an account that is specifically designed to save money in order to pay for education expenses. The money you contribute to an ESA is after-tax. It grows tax-deferred meaning that as long as the withdrawals are used for qualified education expenses, you do not pay federal taxes on the money. Qualified expenses include tuition, books, supplies, uniforms, room & board, computer equipment, and internet service Tax-free withdrawals also apply for elementary and secondary education expenses as well. So, essentially you can use the ESA to pay for kindergarten through college. The ESA account is opened for a child (beneficiary) that is under 18 and there is a custodian (typically a parent or legal guardian) that manages the account until the child needs to use the money for education expenses. Investment Options for ESA There is a wide range of investment options in an ESA. The money can be invested in any type of stocks, bonds, mutual funds, etc. What this means is if you have an ESA for your child, you can have that money invested in the same funds you use in your retirement accounts. Having the flexibility to pick the investment options is definitely a perk of the ESA. Contribution limits of ESA The contribution limit for the ESA is $2,000 per year per child. You can contribute to the account until the child is 18. Income limits of ESA There are income limits in order to be eligible for an ESA which means that the contribution into the ESA can only be deposited by individuals whose modified adjusted gross income (MAGI) is below a certain amount. This is subject to change but currently contributions start phasing out at $95,000 for those that file single, head-of-household, or married filing separately and they start phasing out at $190,000 for those that file married filing jointly. What if my child doesn’t use the money in the ESA? The money in the ESA has to be used by the time the beneficiary turns 30. If it isn’t, the money will be distributed and the earnings portion of the account will be taxed as income plus subject to a 10% penalty tax. If the beneficiary of the account does not plan to use any more of the money in the account for education expenses before they turn 30, you can transfer the account to another qualifying beneficiary. Qualifying beneficiaries include the beneficiary’s child, sister, brother, first cousin and others. Key Take-Aways The ESA is an account specifically designed to save money in order to pay for qualified education expenses. The annual contribution limit is $2,000 per year per child. There are a wide range of investment options for the money in the ESA. There are income limits in order to be eligible for an ESA. The money being saved into the account is after-tax but the withdrawals are tax-free as long as they are used for qualified education expenses. The money has to be used by the time the beneficiary is 30 and/or needs to be transferred to a qualifying beneficiary. Questions? We have 5 Financial Planners on our team that would be more than happy to discuss the specifics of saving for your child(ren)’s future. You can meet our team and reach out to one of us here!

Do you have a savings account for your child at the bank? If so, did you know that you could have that money invested and potentially earning much more than the interest rate that the bank offers? You can! Since savings interest rates at banks are typically pretty low, it is definitely beneficial to have the money invested instead. How to Invest for Kids The Uniform Transfers to Minor Act (UTMA) allows minors to receive gifts (i.e. money) and with the UTMA account there is an adult custodian, typically the parent or legal guardian, that manages the account until the minor is of legal age, usually 18, 21, or 25, depending on the state. This is likely similar to what you have at the bank; you opened an account for your child and you are the custodian, which means you are managing the funds until they are of legal age. The main difference between opening this account at the bank versus having it invested in a brokerage account is the performance. At the bank, you earn the interest based on the interest rate the bank is offering at the time. When it’s invested in a brokerage account you get to capitalize on the earning potential of the stock market by investing the money in mutual funds. How the UTMA Account Works In an UTMA Account, the money that is deposited into the account is an irrevocable gift to the minor, which means that the money has to be used for the child’s benefit. One difference between the UTMA and a college savings account such as a 529 or ESA is that the UTMA can be used for college but it doesn’t have to be. The money in the UTMA account can be used for anything that is for the child’s benefit. For example, this money could be used to purchase their first car or for a down payment on their first home. You do have to pay taxes on the growth of the UTMA Account, or the “unearned income” that comes from the interest and/or performance from the investments. However, that doesn’t happen right away because the taxes are applied on a sliding scale: The first $1,050 of unearned income in the UTMA is tax-free. The next $1,050 of unearned income in the UTMA is taxed at the child’s tax rate. Any unearned income above that $2,100 is taxed at the custodian’s tax rate. There are no withdrawal penalties. Once the minor reaches the legal age, they are granted full access to the money in their UTMA account. If a child applies for college financial aid, the money in the UTMA account does need to be listed as an asset on the FAFSA. Key Take-Aways To recap, here are the key take-aways of the UTMA Account: The money in an UTMA Account CAN be used to pay for college but it doesn’t have to be. It can be used for anything for the child’s benefit. Brokerage UTMA Account = the money can be invested. UTMA Account at the bank = savings interest rate. There are no withdrawal penalties. There is an adult custodian that manages the account until the minor is of legal age. Sliding scale for how unearned income is taxed. Questions? If you have questions about how to open an UTMA Account and/or want to discuss this more, we would be happy to talk with you. You can meet our team of Financial Planners and reach out to one of us HERE.

The COVID-19 pandemic has impacted everyone in one way or another. Unfortunately, one-way that some people are being impacted is by scams that have increased because the scammers know that people are more vulnerable right now. Here are some scams that are happening as well as some ways to avoid them. Stimulus Check As you know, the government has issued stimulus checks to many Americans. There has been a lot of confusion around this and scammers are taking advantage of that by trying to get people to hand over their bank account information. They may call pretending to be the IRS and/or your bank asking you to verify your bank account information so that your check can be deposited. Don’t fall for this! The IRS will use information from your 2018 or 2019 tax filing in order to deposit your check into your account. If you don’t have an account on file with them, they will mail the check to the last known address they have. The IRS will never call, email, or mail asking you to confirm your account numbers. If you have not received your check and think you should have, you can visit the IRS website. Phone Providers As some people are struggling to pay bills, scammers are using this as an opportunity to scare people. You may get a phone call saying your phone line will be shut off if you don’t follow the prompts. This is likely a scam so don't follow the prompts! Some people that have gotten a call like this are current on their phone bill. If you are concerned about your phone line, call the number you know is a legitimate number for them, which can be found on your monthly statements. Debt Reduction Scams As mentioned above, people are struggling to pay their bills right now and that opens up yet another avenue for scammers. If you get a phone call promising debt reduction techniques that sound too good to be true, it’s because they probably are! They will charge for their services and then you will likely not hear from them again. If you are struggling to pay your bills, many companies are offering hardship assistance so reach out to the credit card company, bank, or other lender individually. Dave Ramsey has a wonderful program, Financial Peace University, that has changed lives and helped millions of people save money and pay off debt. They are offering a free 14 day trial right now (for a limited time) and you can read more about that on DaveRamsey.com. Emails We know that we should never click links in emails if we are not sure who sent us the email. That has been true for a long time now. But recently, spam emails and links have been popping up more often. There are even scammers accessing people’s email accounts and sending out bad links. So, if you get an email from someone you don’t know, don’t open the link. If it is from someone you know but the message seems off, don’t click the link until you call them to see if they actually sent it to you. I received a couple emails from people I knew that said “I should have sent this to you sooner” and there was a link. I didn’t click it because I knew that was not actually from them. Coronavirus Test Kits and/or Updates There are at-home test kits being advertised that are not approved by the FDA. Be weary of emails or texts that are offering to sell test kits and/or giving coronavirus updates. Go to the trusted websites to get the updates. In Ohio, you can go to https://coronavirus.ohio.gov/wps/portal/gov/covid-19/home for updates. Donations Unfortunately, some scammers are even claiming to be a charity that is giving back in response to COVID-19. If you are giving to a new cause, be sure to do your research to make sure you are giving to a legitimate charity. And of course, never give donations in the form of cash, gift cards, or by wire.

The COVID-19 virus has changed our lives, at least for the short run, in impactful ways. As financial advisors, none more pressing than the changes it has created in regards to retirement planning and rules around retirement accounts. At least for now, these changes create unique opportunities in the year 2020 and we’ll certainly keep you up to date, if Congress decides to make anything permanent. During our last newsletter we talked about the fact that Required Minimum Distributions have been eliminated in the year 2020. That is important if you are someone over the age of 72. However, some of the other provisions could impact you regardless of age. Let’s take a look… Retirement Account Distributions Typically one needs to be age 59 ½ or older to be able to pull money from a retirement account (IRA or company sponsored retirement plan) however for the rest of this year (and retroactively for anyone that may have taken a distribution in 2020) you can a avoid the 10% early withdrawal penalty, on up to $100,000, if you meet one of the following two qualifications: You, your spouse, or your dependent is diagnosed with COVID-19. You have suffered financial hardships or consequences as a result of the pandemic. This would typically be someone who has lost or had their income reduced, not been able to work because of lack of childcare or a myriad of other reasons why someone could have had a negative financial impact. Realistically there are probably very few people that haven’t been financially impacted, even if minimally, by COVID-19. 401(k) Loans Participants in company sponsored retirement plans now have the ability to borrow at a much higher amount that historically has been allowed. Normally a plan will allow you to borrow up to 50% of your balance or $50,000, whichever is lower. However the CARES Act has increased that amount to $100,000 or 100% of your balance, which is lower. What Should I do? Dave Ramsey, America’s Voice on Money, always says, retirement plan distributions should only be used in the event that someone is trying to fend off foreclosure or bankruptcy and we tend to agree. Why is this? When you take a distribution from your retirement account you are satisfying a need today at the expense of your future. A $100 distribution today, at an 8% return, over 20 years means you actually took $466.10 from your future self. If you didn’t contribute again for another 5 years it would take a $146.93 deposit to make up for the unplugged $100 over the last five years. Many times, a retirement plan distribution can seem like an easy way to satisfy a current need when you can often satisfy that need another way. If you’re using it to make a payment on a loan – call the lender. Right now, many lenders are willing to waive a payment or two if you have lost your income. They learned in 2008, it’s better to work with a borrower than face the wrath of an angry government and public because you foreclosed, evicted or repossessed from too many clients. If you need income to survive – right now on OhioMeansJobs.com, which is a site hosted by Monster Jobs there are 116,135 jobs open in the State of Ohio. Many are probably not glamorous but if it’s the difference from pulling out your future retirement savings or rolling up your sleeves for a bit and doing something you may not enjoy, to keep your Retire Inspired Dream alive – I know what I’d be doing. I recently met with a young man, who works all day and spends his evening delivering pizzas for Pizza Hut. The classic gazelle intense Ramsey follower. When COVID-19 hit the fan he was furloughed but guess what, Pizza Hut was ready and willing to give him more shifts and he still has income to protect the four walls and we haven’t had to touch any of his retirement accounts. 401(k) Loans – When taking from a 401(k) you are paying yourself the interest back into your 401(k) account but you have unplugged an investment that, in many cases, has performed at a higher rate of return than the very low interest rate you are paying yourself. Not only that but you are unplugging the investment (for the purpose of the loan) at the very worst time because of point number 4. Depressed Values – Any distribution right now is more than likely being taken at a level that is far from the highs. As we saw during the last few weeks the stock market can jump back up just as quickly as it went down. An old investor adage is to buy low and sell high. Right now, for many people, they are most likely selling low to take a distribution, so in most cases it would be advisable to try and avoid the distribution or loan. BOTTOM LINE While changes are coming to the retirement landscape, our advice is to stay the course. Keep focused on your Baby Step and only use the CARES ACT changes should you be in a situation where a retirement distribution is unavoidable. Should you need to talk through your specific situation please contact your Whitaker-Myers Wealth Managers Smartvestor Pro today!

As you know, the government is issuing stimulus checks in order to help balance out the hardships that many people are feeling right now. Many Americans have already received their check or will be receiving it soon. If you are receiving one, it's a good idea to have a plan for the best way for you to use the money. That’s why we wanted to share... 4 Things To Do With Your Stimulus Check: If your job is stable, use the money to push you closer to achieving the goal that you are working on. We follow and recommend Dave Ramsey’s baby steps so if you are following that plan, you would use this money toward which ever step you are on. Meaning if you are on baby step 2, then the money would go towards your debt snowball. If you have lost your job or it looks like you might be losing your job, put this money in your savings account in case you need it. Whenever you have uncertainty in your job, it’s a good idea to “pause” the baby steps and save money. If you need it, it’s there and if you don’t end up needing it and life goes back to “normal” you can press “play” and put that money you had saved towards the baby steps again. Be generous. If you are through the baby steps, your job is stable, and you are wondering what you should do with this stimulus money – it is never a bad idea to be extra generous. Give a bigger tip, support a small business, pay for that haircut you were scheduled for but couldn’t get, give extra to your church… the list goes on and on because unfortunately, there are a lot of people in need right now. So, if you are in the position to give, being generous is always the most fun you will have with money. Save for retirement and/or kid’s college. If you are on baby steps 4 or 5 but haven’t been able to save as much as you would like, consider using this money to save more into those investment accounts. The way they have structured the stimulus package is an amount per person and also per child. If you are through the baby steps and do not need the money to cover your basic needs because of a job loss, you may consider putting the child's money in an UTMA investment account or college fund for them. As Dave Ramsey talks about often, one of the best parts of following the baby steps plan is the impact that is can have on your family. It can change your family tree forever. If you have questions that are specific to your situation, we would be happy to help. You can meet our team here.

We know that the Coronavirus (COVID-19) has impacted all of us and yet the level of impact can vary depending on your specific circumstances. If your income is changing due to everything that is going on, we know that can be stressful. We also know that just as fear is contagious, so is hope and joy. It can be hard to feel hope & joy when you are stressed about money but we are here to help! There Is Hope: The Coronavirus & Your Money As one of Dave Ramsey’s Smartvestor Pros, we are passionate about helping others with their money goals. That has always been a passion of ours and we know it is more important now than ever before. If you are working Dave Ramsey’s baby steps and are in Baby Step 2 (paying off all your debt except for you home) and are concerned that you may lose your job, press “pause” on the baby steps. Meaning, pay minimum payments on everything and put the money you would normally send to debt, in your emergency fund. This is to build up money in case you do lose your job. Then, when you get through this, you will press “play” and take the money you saved and pay it on your debt. Another thing you might want to do is look at your budget and cut out everything that is not essential. This is not forever, just until you make it through this storm. If you did lose your job and don’t have enough to pay all of your bills, make sure you are cover what Dave Ramsey calls “the 4 walls” first. That is Food, Shelter, Transportation, Utilities, (and basic clothing). These are the things that are the most important for you and your family to make sure you cover before paying for anything else. You will also have to look for a job to start bringing in income. This might not be your dream job, but it will be something to help you through this tough time. Ken Coleman, one of the Ramsey personalities, has a list of companies that are hiring right now on his Instagram page. You can view that here. Other Resources To Help… Ramsey Solutions is dedicated to helping people with their life and their money and they have really taken that commitment to a new level during this time. Below is a replay of the Livestream that Dave Ramsey, Rachel Cruze, and Ken Coleman did entitled "A Message Of Hope" Also, at DaveRamsey.com/Hope you can find a bunch of other resources including… A 14 Day FREE Trial of Financial Peace University. If you have never taken this class and are stressed about money, this is a perfect time to get this information for FREE for the first 14 days! Dave Ramsey’s audiobook, The Total Money Makeover, is $1.99. This book lays out Dave’s proven plan for money including the 7 Baby Steps! Ken Coleman’s book on careers entitled “The Proximity Principle” is also $1.99. There are other resources, and you can see them all listed on DaveRamsey.com/Hope. If you have any questions specific to your retirement plans, investments, or any other money questions, please feel free to reach out to one of the Financial Planners on our team. You can meet our team and contact us here.

In an interview done in September 2019, fund manager Dan Ivascyn, who is the chief investment officer of PIMCO, where he leads the firms income, credit hedge fund and mortgage opportunistic strategies, explains the firms cautious outlook and why its stressing liquidity in managing assets. Dan is most well known as manager of the PIMCO Income Fund, where he’s produced one of the best records of any bond manager since taking the helm in 2007. In 2013 Morningstar named Dan their Fixed Income Manager of the Year. At Whitaker-Myers Wealth Managers we have utilized the strategies of Dan and PIMCO for many years and are happy to give our clients the opportunity to hear from one from one of the best fixed income managers of the last decade. You can listen to this episode here: https://www.morningstar.com/podcasts/the-long-view/20

At Whitaker-Myers Wealth Managers, one of our core values is to have the heart of a teacher. Meaning, we want to educate and inform our clients as much as we can. That is especially true in a time like this when there is a lot going on in the world and the stock market is seeing the affects of that. Our hope is that the video below will help you understand what we are looking at when we are making our recommendations to our clients. If you have questions, please be sure to reach out to us!

Last week, we shared a few articles that we have found to be helpful in understanding what is happening with the stock market. If you missed those, you can check them out here. We want to continue to provide helpful information to you because we understand that it can be hard to know what to think about everything you are hearing in the media. If you turn the news on for any length of time, you will likely hear about the coronavirus. A virus can affect the economy in multiple ways and of course, one of those is seeing a stock market downturn. The article below by Dave Ramsey's team summarizes how a virus can affect the economy as well as what you can do and what it means for your money. You can read the artcile here: Dave Ramsey: How Coronavirus is Affecting the Economy: What You Need to Know This video by Chris Hogan has really helpful information as well: As one of Dave Ramsey's Smartvestor Pros, we are happy to answer any questions you may have about your investments. If you have any questions at all, please do not hesitate to reach out to one of the advisors on our team.