Kelly Ruggles president and founder of American Reliance Group, is a registered investment advisor with 15 years of experience in financial planning.

1. Kelly Ruggles Is A Financial
Planning Expert

2. Kelly Ruggles president and founder of American Reliance
Group, is a registered investment advisor with 15 years of
experience in financial planning.

3. Kelly believes planning is a must in all aspects of life.
Being prepared for the unexpected; loss of a job, illness,
unforeseen financial demands or events, can easily put a
strain on financial demands.

4. Kelly believes the best solution is to have an emergency
account with enough money to cover at least six months
expenses. With out the availability of this type of account
people typically turn to credit cards. This may be your only
solution without such an emergency account, however as
we know, credit cards balances come with the weight of
repayment and interest due.

5. In his book, Kelly Ruggles writes about the importance of
hiring a professional to assist in the financial planning
process. His book is designed as a guide for better
decision-making when it comes to planning and saving.

6. According to Kelly, while formulating financial plans,
many factors must be considered - such as health,
expenses to maintain preferred retirement lifestyle,
sources of retirement income, and investment risks.

7. Kelly Ruggles believes many regard financial planning to
be extremely complicated. Whereas planning can really
be boiled down to evaluating your present financial
situation, deciding your goals, and making a road map to
achieve those goals. A good Advisor can assist in making
this process much easier.

8. About Kelly Ruggles
Kelly Ruggles is a financial planner, educator and also the
founder of American Reliance Group. He follows 'client
needs based' planning philosophy, as the financial
planning needs of each individual are unique. To know
more about Kelly Ruggles, browse through
www.kellyruggles.com.

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