John Morris

Maysville High School

Class of 1996

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First Name	John
Last Name	Morris
Graduation Year	Class of 1996
Gender	Male
City	N/A
State/Province	OH
Country	United States
Occupation	Financial Advisor
Married	Yes
Favorite School Memory	Baseball MVL Champs Senior Year
About Me	Graduated from Muskingum in '00, married Molly Fisher in '02, 2 daughters, Reece Marie & Isabel Marli. Financial Advisor since '00. Really enjoy what I do, which is helping people achieve their financial goals. Most people think they need to be making big bucks to invest... not the case. Here's some general advice I stress with all of my younger clients. 1a) Contribute to company retirement plan whatever is necessary to receive the full employer match. For example, a 3% co.match can be of several varieties such as dollar for dollar or 50 cents on the dollar. In the 1st case you would need to contribute 3% and 2nd case 6% to earn full match. If not doing this, you are basically telling your company no thanks to a pay raise. Each company's match is different, above are most common. b) Establish Emergency Cash Reserve-- typically 4-6 months expenses, but for families with multiple kids 6-8mo's and if there are uncontrollable work related issues (weather, layoffs, etc), 8-12mo's. This money should be kept in bank savings or money market c) Catastrophic Protection-- if homeowner, married and/or parent. Usually done via term insurance, which is very low cost, but provides peace of mind knowing that if something happened, your family would not be under financial strain. * All 3 of the above ideally would occur at same time, as I feel they are each of utmost importance, carrying equal weighting. All funds should go toward the above until they are accomplished * 2. Roth IRA-- type of investment account where you can buy stocks, bonds, mutual funds, cds, money markets, etc with out of pocket/after tax $. Can contribute up to $5000 ($6000 if > age 50) per year. Money grows tax free and after age 59.5, you can withdrawal tax free. Since this is after tax money, you can always w/d your original principal without tax and/or penalty, however, should be last resort as this is a retirement acct. 3. 529 College Savings Plan-- $2000/yr is max per child for OH deduction (assuming this is a priority, each client is different) 4. Max out Company Retirement Plan-- for tax benefits, the Roth should be maxed before coming back to the work plan (already getting co.match, see 1a), however this may be switched wit...(read more)