Free Financial Resources

Free Financial Resources

Free Financial Resources

Some say “The best things in life are free.” And what’s better than free things? Free things you can actually use

Given the complexities of the world, we find it crucial for people to proactively plan their finances. We’ve also come to understand that financial plans don’t panic. That’s why we’re sharing free personal financial planning resources with you. Read on to learn about some of our favorite freebies.

Bankrate

From free finance articles and information to calculators and tools, Bankrate has it all. Hence the name, we find it a valuable resource for comparing rates on high-interest-rate savings accounts. You’ll also find calculators for your mortgage, retirement, investments, and more there. Just remember that the results you get from these calculators are only as good as the inputs, so be sure to double-check your numbers with your financial professional!

▶︎ Pro Tip: This is our go-to resource when recommending clients work with a new bank.

Annualcreditreport.com

By law, the three credit bureaus are obligated to give you access to a free credit report once a year, and you can find them at annualcreditreport.com. It’s good practice to review at least one of your credit reports once a year but especially important when you foresee a new loan on the horizon. If you notice anything wrong with your credit report, you can address the error before you need to take out a mortgage or another loan, thus improving your odds of receiving that loan at a better interest rate so you can save more money over time. 

Credit Karma

Want a simpler tool to regularly monitor your credit? If you want to check your credit score for free, you might consider Credit Karma. If you create an account, they’ll also send regular updates via email when your credit score changes, plus reminders to check your accounts for accuracy and notifications if your information has been part of a company’s data breach. In addition to credit monitoring tools, you can also find tips for improving your credit score, personal finance articles, information on credit cards, and more from Credit Karma.

Investopedia

Looking to better understand a financial term or concept? Investopedia is much more than simple definitions! It also breaks financial theories down into easy-to-understand explanations. And many of the personal finance articles available are linked to other Investopedia pages so you can dive deeper into areas where you’d like to know more. You’ll also find educational courses, information on popular stocks, and more.

▶︎ Pro tip: Whenever we are introducing a complicated personal finance topic, Investopedia is the first place we consider sending clients. There are short videos, too, which can simplify even the most complicated material.

Nerdwallet

Similar to Bankrate — but with a focus on credit cards as well as interest rates — Nerdwallet also offers financial articles, calculators, and tools. It includes tips you can use to reduce spending, increase savings, educate yourself on insurance, and even make the most of your credit card points when you travel.

▶︎ Pro tip: When you’re debating how much money you’ll save using your debt repayment strategy, look at the credit card payoff calculator on Nerdwallet. This calculator can include multiple types of debt (mortgage, student loans, etc.) in addition to credit cards.

The Motley Fool

The Motley Fool is more than just a website: They also provide information via a newspaper column, podcast, and radio show. While their personal finance articles are based mostly on stock trends and tips, you’ll find informational and news-related articles, too. And they offer everything from how-tos with the information you need to start investing and save for retirement to “best-of” lists of bank accounts and credit cards.

Financial Planning Fort Collins

Sure, we might be a little biased, but we’d be remiss if we didn’t include the free resources available in our Basic Services offering in this list! This client experience includes access to personal finance tools with no cost to sign up. Why no cost to get started? While it might seem counterintuitive, we grounded this program in our belief that everyone should have access to modern financial planning tools.

Financial Article Library

Don’t Want to Go It Alone?

If you’re looking for a guided approach to financial planning — or even a full-service option — you can learn about our paid offerings on the Our Services page.

The internet is full of personal finance rabbit holes and conflicting opinions. Learning from a consistent voice and philosophy can inspire you to take action instead of reaching “analysis paralysis.” This is why Basic Services clients and visitors to our site can access our library of financial articles on a variety of topics you can use to better understand personal finance concepts and how you can apply them.

Some of our favorite articles include:

▶︎ Pro tip: If you’re just getting started, you may want to begin with our “Back to Basics” series.

Budget Plan Worksheet

Cash flow management proves a stressor for many people — but it doesn’t have to be. We help our clients with a tool to give them more confidence, and we’re excited to offer you access to this same tool at no cost. You can download our Budget Plan Worksheet — an easy-to-follow resource to map out your budget — to gain more confidence with your spending and savings.

Offering Value

Why are we pointing you toward free resources? One word: value.

Remember when the big investment companies eliminated commissions on trades and dropped their trading fees to $0? This “race to zero” may seem like it made the news a lifetime ago, but it was just last year! It was a push in the finance world brought about by competition, bringing benefits to individuals by allowing them to invest without losing their hard-earned dollars to commissions and fees. 

That got us thinking. We hope that our Basic Services tools offer similar value for all to help you start improving your financial life at a discount or even no cost. We make it easy to share access to our free article library and Budget Plan Worksheet so you can pass these valuable tools along to others. Plus, there’s no commitment to use this service, and you can cancel at any time.

Have you hesitated to get your financial house in order in the past? If you’ve thought it difficult or expensive, it might be time to think again. With no-cost options available and the ease of signing up, why not get started today?

If you have questions about Basic Services or our other offerings, try the chat feature at the lower-left corner of this page.

Want to learn more about planning your financial future? You can visit the Our Services page to find the path that’s right for you.

Regina Neenan
regina@fpfoco.com

Regina Neenan is a Financial Paraplanner Qualified Professional™ and the Cash-Flow and Insurance Planning Specialist at Financial Planning Fort Collins. With a lifelong passion for personal finance, they have been serving FPFoCo clients since 2018. You can learn more about Regina on our About page.



MINIMUM ACCOUNT SIZE
The minimum initial investment for the Invest:FOCO platform is only $5,000 per account. This minimum can be met via transfer of an existing account or with new funds.
ANNUAL FEE
1.00% of assets under management ($100 per $10,000 managed). Debited from your account(s).
FINANCIAL PLANNING
Strategy:FOCO financial planning services are ongoing, and include unlimited phone, email, web and in-person meeting and consultation time. Pricing is based on the unique circumstances of each client situation. Generally, there is a one-time plan development fee ranging from $500 - $2,000 and a monthly fee of $150 - $500; cancel anytime. Clients utilizing investment management services with portfolios of $500,000 or more will typically receive financial planning services for no additional fee.
INVESTMENT MANAGEMENT
Assets Under Management (AUM)Annual fee as a % of AUM or flat-dollar
$0 - $249,999(See Invest:FOCO)
$250,000 - $499,9990.90%
$500,000 - $999,9990.80%
$1,000,000 - $1,999,9990.65%
$2,000,000 - $2,999,9990.50%
$3,000,000 - $3,999,999$15,000
$4,000,000 - $4,999,999$20,000
$5,000,000 or more$25,000 + $2,000 per additional $1mm
MINIMUM ACCOUNT SIZE
There is a minimum initial investment of $100,000 per Strategy:FOCO client household. This minimum can be met via transfer of existing accounts or with new funds. A client household may generally include accounts for a head of household, a significant other, dependents, and any controlled organizations or entities.

Minimums do not apply to inStream proactive financial planning as a stand-alone service.
ANNUAL FEE
Assets Under ManagementFee as a % of AUM
$100,000 - $249,9991.00%
$250,000 - $499,9990.90%
$500,000 - $999,9990.80%
$1,000,000 - $1,999,9990.65%
$2,000,000 or more0.50%

inStream proactive financial planning as a stand-alone service: $1,000/year or $100/month
MINIMUM ACCOUNT SIZE
There is a minimum initial investment of $100,000 per Strategy:FOCO client household. This minimum can be met via transfer of existing accounts or with new funds. A client household may generally include accounts for a head of household, a significant other, dependents, and any controlled organizations or entities.

Minimums do not apply to inStream proactive financial planning as a stand-alone service.
ANNUAL FEE
Assets Under ManagementFee as a % of AUM
$100,000 - $249,9991.00%
$250,000 - $499,9990.90%
$500,000 - $999,9990.80%
$1,000,000 - $1,999,9990.65%
$2,000,000 or more0.50%

inStream proactive financial planning as a stand-alone service: $1,000/year or $100/month
MINIMUM ACCOUNT SIZE
The minimum initial investment for the Invest:FOCO platform is only $5,000 per account. This minimum can be met via transfer of an existing account or with new funds. Invest:FOCO is currently available for Individual, Joint, Traditional IRA, and Roth IRA registrations.
ANNUAL FEE
0.65% of assets under management ($65 per $10,000 managed)
MINIMUM ACCOUNT SIZE
The minimum initial investment for the Invest:FOCO platform is only $5,000 per account. This minimum can be met via transfer of an existing account or with new funds.
ANNUAL FEE
0.65% of assets under management ($65 per $10,000 managed)
TAX PREPARATION
Invest:FOCO clients are eligible for a 10% discount on income tax preparation services offered through Fort Collins Tax Service, LLC. This discount applies to the base cost for return preparation as well as Schedules B & D. More details can be found here.
MINIMUM RELATIONSHIP SIZE
There are no minimums when utilizing inStream proactive financial planning as a stand-alone service.

When investment management services are desired, there is a minimum initial investment of $125,000 per Strategy:FOCO client household. This minimum can be met via transfer of existing accounts or with new funds. A client household may generally include accounts for a head of household, a significant other, dependents, and any controlled organizations or entities. inStream proactive financial planning is then included at no additional cost.
ANNUAL FEE
inStream proactive financial planning as a stand-alone service: $1,250/year or $125/month

Assets Under ManagementFee as a % of AUM
$125,000 - $249,9991.00%
$250,000 - $499,9990.90%
$500,000 - $999,9990.80%
$1,000,000 - $1,999,9990.65%
$2,000,000 or more0.50%
TAX PREPARATION
Strategy:FOCO clients are eligible for a 50% or 100% discount on income tax preparation services offered through Fort Collins Tax Service, LLC. This discount applies to the base cost for return preparation as well as Schedules B & D. More details can be found here.
Monthly Economic Update
Stay in the loop with our Monthly Economic Update. It's a great way to catch up on the things effecting your financial plan in an easy to read and relatable format.

We promise to only use your name and email address for sending our Monthly Economic Update. We will not sell, rent, lease, loan, or use your name or email address for any other purpose, internally or externally. You can easily unsubscribe at any time.
Monthly Economic Update
Stay in the loop with our Monthly Economic Update. It's a great way to catch up on the things effecting your financial plan in an easy to read and relatable format.

We promise to only use your name and email address for sending our Monthly Economic Update. We will not sell, rent, lease, loan, or use your name or email address for any other purpose, internally or externally. You can easily unsubscribe at any time.
MINIMUM ACCOUNT SIZE
Minimums do not apply to always-on, real-time financial planning as a stand-alone service.

For investment management services there is a minimum initial investment of $125,000 per Strategy:FOCO client household. This minimum can be met via transfer of existing accounts or with new funds. Investment management fees are generally debited from the accounts to which they apply. Financial planning services are included for Strategy:FOCO investment management clients at no additional charge.
ANNUAL FEE
Always-on, real-time financial planning as a stand-alone service:  $125/month or $1,250/year

Assets Under ManagementFee as a % of AUM
$125,000 - $249,9991.00%
$250,000 - $499,9990.90%
$500,000 - $999,9990.80%
$1,000,000 - $1,999,9990.65%
$2,000,000 or more0.50%
Five Savings Secrets
Are you 30 - 60? Let us give you a few tips with our free white-paper: Five Savings Secrets. Then stay in the loop with periodic emails featuring relevant information on financial planning, investment management, and income taxes.

We promise to never sell, rent, lease, loan, or use your email address for any other purpose, internally or externally. You can easily unsubscribe at any time.
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FINANCIAL PLANNING
Financial planning services are ongoing, and include unlimited phone, email, web and in-person meeting and consultation time. Pricing is based on the unique circumstances of each client situation. Generally, there is a one-time plan development fee ranging from $500 - $2,000 and a monthly fee of $150 - $500; cancel anytime. Clients utilizing investment management services with portfolios of $500,000 or more will typically receive financial planning services for no additional fee.
INVESTMENT MANAGEMENT
Assets Under Management (AUM)Annual fee as % of AUM or flat-dollar
$0 - $249,9991.00%
$250,000 - $499,9990.90%
$500,000 - $999,9990.80%
$1,000,000 - $1,999,9990.65%
$2,000,000 - $2,999,9990.50%
$3,000,000 - $3,999,999$15,000
$4,000,000 - $4,999,999$20,000
$5,000,000 or more$25,000 + $2,000 per additional $1mm
ESTIMATE YOUR FEE
Your fee is determined by the complexity of your needs and situation. The primary proxy we use for complexity is your investable net worth, which is generally your total net worth, excluding your primary residence. Your investable net worth includes the value of cash, bonds, stocks, mutual funds, rental real estate, and other business or financial interests. This aligns with the holistic nature of our comprehensive services. You can use the chart below to estimate your fee based on your investable net worth. In some circumstances, your fee may be more than the minimums in the chart below.
Annual Fee Investable Net Worth (INW)
$4,000 (minimum for an individual)Up to $500,000
$6,000 (minimum for couples)Up to $1,000,000
$8,000Up to $1,500,000
$10,000Up to $2,000,000
$11,000Up to $2,500,000
$12,000Up to $3,000,000
+ $1,000per additional $1,000,000 of INW
Critical Money Tips
Need some tips to help you tackle your next critical money moment? Stay in the loop with our weekly(ish) email!

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Critical Money Tips
Need some tips to help you tackle your next critical money moment? Stay in the loop with our weekly(ish) email!

We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
Critical Money Tips
Need some tips to help you tackle your next critical money moment? Stay in the loop with our weekly(ish) email!

We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
Critical Money Tips
Need some tips to help you tackle your next critical money moment? Stay in the loop with our weekly(ish) email!

We promise to never sell, rent, lease, loan, or otherwise use your email address for any reason inconsistent with our privacy policy. You can easily unsubscribe at any time.
Critical Money Tips
Need some tips to help you tackle your next critical money moment? Stay in the loop with our weekly(ish) email!

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Critical Money Tips
Do you have a cash surplus? Learn more what to do with extra money in the free-preview of our Teachable course: Sudden Money and Windfalls.

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Critical Money Tips
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Equity Compensation Can Be Confusing.
Let us make it less complicated for you. Whether it’s a one-time award or ongoing compensation, we know how to help.
ESTIMATE YOUR FEE
Your fee is determined by the complexity of your needs and situation. The primary proxy we use for complexity is your investable net worth, which is generally your total net worth, excluding your primary residence. Your investable net worth includes the value of cash, bonds, stocks, mutual funds, rental real estate, and other business or financial interests. Our transparent pricing aligns with the holistic nature and value of our comprehensive services. You can use the chart below to estimate your fee based on your investable net worth. In some circumstances, your fee may be more than the minimums in the chart below.
Annual Fee Investable Net Worth (INW)
$4,000 (minimum for an individual)Up to $500,000
$6,000 (minimum for couples)Up to $1,000,000
$8,000 - $12,000$1,000,000 - $3,000,000
+ $1,000per additional $1,000,000 of INW