Have you ever heard of duty to warn, duty to protect, or mandatory reporter? This topic is one that comes up when discussing ethics and standards of practice as an AFC®. I have been in the role of mandatory reporter my entire adult life. What exactly does that mean do you ask?

What are some of the things you enjoy doing outside of personal finance or being an Accredited Financial Counselor®?  I am a paper crafter which means that I enjoy making cards for others. I volunteer for the USO at the airport and a nearby military installation.

Frequent topics that arise in discussions with clients about retirement planning are where to invest and in what to invest. This article will discuss the versatile Roth IRA, which can be used by traditional and nontraditional savers. It only has been around since 1997, so some clients may not be as familiar with this option, especially the elderly, who might find it an ideal vehicle to save for their children and grandchildren.