Leal Financial Planning

Fee-Only Financial Planning and Advice, Hourly As-Needed Services

October 19, 2011 – In “Simply Financial Planning,” Karl Leal discusses dealing with compulsive overspending.
October 12, 2011 – In “Simply Financial Planning,” Karl Leal discusses more similarities between marathon running and investing.
October 5, 2011 – In “Simply Financial Planning,” Karl Leal discusses similarities between marathon running and investing.

September 28, 2011 – In “Simply Financial Planning,” Karl Leal discusses the importance of picking a partner with the right financial behaviors..

September 21, 2011 – In “Simply Financial Planning,” Karl Leal discusses the importance of having a cash reserve.

September 14, 2011 – In “Simply Financial Planning,” Karl Leal discusses investing during volatile times.

September 7, 2011 – In “Simply Financial Planning,” Karl Leal discusses issues with registering as domestic partners.

August 31, 2011 – In “Simply Financial Planning,” Karl Leal discusses timeshares and vacation cabins.

August 24, 2011 – In “Simply Financial Planning,” Karl Leal discusses mistakes wives make with their financial futures.

August 17, 2011 – In "<Simply Financial Planning," Karl Leal discusses the need to always be planning for uncertain times in investing.

August 10, 2011 – In “Simply Financial Planning,” Karl Leal encourages you to be more like the ant in the grasshopper and ant fable.

August 3, 2011 – In “Simply Financial Planning,” Karl Leal shares the important lesson from the Aesop fable of the grasshopper and the ant.

August 2011 – The Garrett Planning Network was suggested as a referral source for cost-effective personal-finance advice in “Financial Planning For The Middle Class.”


July 27, 2011 – In “Simply Financial Planning,” Karl Leal discusses the need to have something to look forward to in retirement.

July 20, 2011 – In “Simply Financial Planning,” Karl Leal discusses using estate planning to exercise control over your well being and that of your assets.

July 13, 2011 – In “Simply Financial Planning,” Karl Leal discusses the mistakes employees make in regards to their company's stock.

July 6, 2011 – In “Simply Financial Planning,” Karl Leal discusses the importance of having a filing system for your important documents.

June 29, 2011 – In “Simply Financial Planning,” Karl Leal suggests ways to keep more money in your pocket by avoiding unnecesary fees.

June 22, 2011 – In “Simply Financial Planning,” Karl Leal recommends planning on taking care future self.

June 15, 2011 – In “Simply Financial Planning,” Karl Leal discusses financial advisor designations.

June 8, 2011 – In “Simply Financial Planning,” Karl Leal strongly suggests not participating in initial public offerings of stock.
June 1, 2011 – In “Simply Financial Planning,” Karl Leal provides more information on valuable credit education tools.
May 25, 2011 – In “Simply Financial Planning,” Karl Leal provides more commentary on target date mutual funds.
May 11, 2011 – In “Simply Financial Planning,” Karl Leal provides strategies for getting away from sales people.
May 4, 2011 – In “Simply Financial Planning,” Karl Leal provides information on buying life insurance through your employer.
May 1, 2011 – The Garrett Planning Network was recommended as a referral source for Fee-Only financial advisors in “Report updates don’t restart clock on negative credit marks

April 27, 2011 – In “Simply Financial Planning,” Karl Leal provides information on end of life planning.
April 20, 2011 – In “Simply Financial Planning,” Karl Leal provides information on target date mutual funds.
April 13, 2011 – In “Simply Financial Planning,” Karl Leal provides information on retirement plans for the self-employed.

April 11, 2011 – In “Planning Your Retirement: Get Professional Financial Help,” the Garrett Planning Network was mentioned as an option for finding a Fee-Only advisor who “has no incentive other than acting in your best interest when deciding between annuities and investing.”

April 6, 2011 – In “Simply Financial Planning,” Karl Leal provides suggestions for the use of your tax refund.


March 30, 2011 – In “Simply Financial Planning,” Karl Leal warns readers about misleading ads on TV.


March 23, 2011 – In “Simply Financial Planning,” Karl Leal provides advice on how not to finance your small business.


March 16, 2011 – In “Simply Financial Planning,” Karl Leal discusses the suitability of banks for investment accounts.

March 9, 2011 – In “Simply Financial Planning,” Karl Leal makes investment book recommendations.

March 2, 2011 – In “Simply Financial Planning,” Karl Leal discusses the importance of having a investment plan.


February 23, 2011 – In “Simply Financial Planning,” Karl Leal discusses basic bond topics.


February 16, 2011 – In “Simply Financial Planning,” Karl Leal discusses tax reduction strategies.


February 9, 2011 – In “Simply Financial Planning,” Karl Leal discusses the importance of tax planning.


February 2, 2011 – In “Simply Financial Planning,” Karl Leal discusses challenges of successful investing.


January 19, 2011 – In “Simply Financial Planning,” Karl Leal discusses how financial advisors are compensated.


January 12, 2011 – In “Simply Financial Planning,” Karl Leal discusses the importance of life insurance.

January 5, 2011 – In “Simply Financial Planning,” Karl Leal discusses the importance of attending employer sponsored pre-retirement seminars.

December 22, 2010 – In “Simply Financial Planning,” Karl Leal provides suggestions for retirement savings accounts.


December 15, 2010 – In “Simply Financial Planning,” Karl Leal stresses the importance of realistic expectations.


December 8, 2010 – In “Simply Financial Planning,” Karl Leal suggests some New Years resolutions.


December 1, 2010 – In “Simply Financial Planning,” Karl Leal suggests now is a good time to refinance.


November 24, 2010 – In “Simply Financial Planning,” Karl Leal provides information on the high cost of investing expenses.

November 23, 2010 – In “Waiting for Godot: Financial planners for the middle class,” Fee-Only financial advice was listed as the favored choice in the writer's opinion. The Garrett Planning Network was mentioned as a place to locate a Fee-Only financial planner.

November 17, 2010 – In “Simply Financial Planning,” Karl Leal provides information on the challenges that women face.

November 10, 2010 – In “Simply Financial Planning,” Karl Leal provides information on lowering the cost of holiday gift exchanges.

November 5, 2010 – In “Cheaper financial advice: Will you get what you pay for?,” The Garrett Planning Network was mentioned as a place to locate a Fee-Only financial planner.

November 3, 2010 – In “Simply Financial Planning,” Karl Leal provides information on long life insurance.

October 27, 2010 – In “Simply Financial Planning,” Karl Leal provides information on financial media messages.

October 20, 2010 – In “Simply Financial Planning,” Karl Leal provides information on shopping for the best deal.

October 13, 2010 – In “Simply Financial Planning,” Karl Leal provides information on sharing spousal processes.

October 6, 2010 – In “Simply Financial Planning,” Karl Leal provides information on unexpected long-term care premium increases.

September 29, 2010 – In “Simply Financial Planning,” Karl Leal provides information on handling a financial windfall.

September 22, 2010 – In “Simply Financial Planning,” Karl Leal provides information on 401(k) rollovers.
September 21, 2010 – In “Are You Paying Too Much for Financial Planning and Advice?,” Fee-Only financial advice was listed as the only choice in the writer's opinion. The Garrett Planning Network was mentioned as the place to locate a Fee-Only financial planner.

September 16, 2010 – In “Do One Thing: Find a Financial Planner,” the Garrett Planning Network was listed as a place to start when looking for a financial planner.
September 15, 2010 – In “Simply Financial Planning,” Karl Leal provides information on divorce. 

September 8, 2010 – In “Simply Financial Planning,” Karl Leal provides information on continuing education. 

September 1, 2010 – In “Simply Financial Planning,” Karl Leal provides information on the debt trap. 

August 25, 2010 – In “Simply Financial Planning,” Karl Leal provides information on charitable giving. 

August 18, 2010 – In “Simply Financial Planning,” Karl Leal provides information on the difficulty in making investment decisions. 

August 11, 2010 – In “Simply Financial Planning,” Karl Leal provides information on non-traditional family arrangements. 

August 4, 2010 – In “Simply Financial Planning,” Karl Leal provides information on company stock. 

July 28, 2010 – In “Simply Financial Planning,” Karl Leal provides information on divorced spouse Social Security benefits. 

July 21, 2010 – In “Simply Financial Planning,” Karl Leal provides information on Long-term Care Insurance.
July 14, 2010 – In “Simply Financial Planning,” Karl Leal provides information on Social Security. 

July 7, 2010 – Sheryl Garrett, CFPฎ, AIFฎ, founder of the Garrett Planning Network, described her approach to hourly, as-needed financial planning in “Paying for Financial Advice on an A la Carte Basis
July 7, 2010 – In “Simply Financial Planning,” Karl Leal provides information on estate planning. 
June 30, 2010 – In “Simply Financial Planning,” Karl Leal provides information on setting financial goals.
June 23, 2010 – In “Simply Financial Planning,” Karl Leal provides information on getting started with retirement planning.
June 16, 2010 – In “Simply Financial Planning,” Karl Leal provides tips on protecting yourself from fraud and ID theft.