All About Emergency Funds Camp Lejeune NC

An emergency fund saves headache in Camp Lejeune. Costly home repairs can set you back several hundred dollars. An emergency fund will keep you from having to choose between having your car back and having your lights on. And when a loved one is ill, you can concentrate on them and not think about how you will pay the bills.

Ms. Korene Zue Phillips Marsh, CFP®
(910) 347-5900
302 B Western Blvd
Jacksonville, NC
Firm
First Citizens Investor Servic
Areas of Specialization
Asset Allocation, Banking, Business Succession Planning, Charitable Giving, Education Planning, Employee and Employer Plan Benefits, Estate Planning
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $100,001 - $250,000



Data Provided by:
Mr. Joseph R. Mclaughlin, CFP®
(910) 937-1177
200 Valencia Dr
Jacksonville, NC
Firm
First Command

Data Provided by:
Mr. Scott C Rainville, CFP®
(919) 751-8772
200 Valencia Dr
Jacksonville, NC
Firm
First Command Financial Planning
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Education Planning, General Financial Planning, Government and Military, Insurance Planning, Investment Management

Data Provided by:
Mrs. Stephanie M. Jeunette, CFP®
239 Parnell Rd
Hubert, NC
Firm
Simplified Outsourcing Solutions, LLC

Data Provided by:
Bank of America - Country Club Road
(910) 355-4238
1726 Country Club Road
Jacksonville, NC
Type
Banking Center
Services
Banking Center Services: Change Order, Commercial Deposits, Night Deposits, Drive Up
Outdoor ATM Services: Open 24 Hours, Talking ATM, Braille, Accepts Deposits, Drive Up, Deposit Image
Languages
English, Spanish, Chinese, Korean, French, Russian, Portuguese
Office Hours
Monday 9-5
Tuesday 9-5
Wednesday 9-5
Thursday 9-5
Friday 9-6
Saturday 9-1
Sunday Closed
Drive Up Hours
Monday 9-5
Tuesday 9-5
Wednesday 9-5
Thursday 9-5
Friday 9-6
Saturday 9-1
Sunday Closed

Mr. Marion V. Rains Iii, CFP®
(910) 617-3543
1171 Western Blvd
Jacksonville, NC
Firm
Navy Federal Financial Group
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Employee and Employer Plan Benefits, General Financial Planning, Government and Military, Insurance Planning, Investment Management
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $100,001 - $250,000

Profession: Government Employees

Data Provided by:
Mr. Ross M Van Klaveren, CFP®
(210) 456-7240
1447 Western Blvd Ste 100
Jacksonville, NC
Firm
USAA Wealth Management
Areas of Specialization
Asset Allocation, Charitable Giving, Education Planning, Estate Planning, Insurance Planning
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

Average Income: $100,001 - $250,000

Profession: Government Employees

Data Provided by:
Mr. Richard L. Pugh, CFP®
(910) 455-6400
824 Gum Branch Rd Ste I
Jacksonville, NC
Firm
Financial Security Management,
Areas of Specialization
Estate Planning, Government and Military, Insurance Planning, Investment Planning, Retirement Income Management, Retirement Planning, Small Business Planning

Data Provided by:
Mr. Charles Robert Jones, CFP®
(704) 348-9535
103 Fairytale Ln
Surf City, NC
Firm
Wells Fargo Advisors, LLC
Areas of Specialization
Retirement Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: $100,001 - $250,000

Profession: Not Applicable

Data Provided by:
Wells Fargo - Brynn Marr
(910) 353-0068
146 Western Blvd
Jacksonville, NC
Type
Branch
Office Hours
Mon-Thu 09:00 AM-05:00 PM
Fri 09:00 AM-06:00 PM
Sat-Sun Closed

Data Provided by:

All About Emergency Funds

These days life is full of surprises. One day we are making ends meet with something left over and then a day comes when all of that can change. One day we are gainfully employed, the next we are given a pink slip. With the unpredictability of day to day living, having an emergency fund saves worry over finances when you are already worried over other things.

What is an emergency fund? Well, it is money that you have set aside for unforeseen situations. It could be an illness in the family, loss of a job, an accident, home repairs, or a natural disaster. Whatever it is, such challenges can deplete a bank account and lead us into financial disaster.

The thing about life is that unforeseen circumstances can happen to anyone and everyone. No one is exempt from them. The best we can do is to prepare in advance so that we are not focused on money. Historically an emergency fund is roughly equal to several months’ worth of income – however these days you should increase your emergency funds to 12 months of total monthly expenses.

That is a lot of money. When you add up all the household expenses you have we could be talking about $40,000. It is hard for most people to save a little, let alone that much money.

Don’t let this stun you into doing nothing. Starting anywhere is better than not starting at all. If you can manage to save $200 dollars a paycheck, then do it. Sure, it will take a while to build up an appreciable fund, but you will still have money put aside in the event that something happens.

One way to build your emergency fund when money is low is to use bonuses, raises, and tax refunds. Instead of buying extra goodies with that raise, take the extra money from the check and add it to what you are already putting away. A tax refund will build up that emergency fund quickly.

An emergency fund saves headache. Costly home repairs can set you back several hundred dollars. An emergency fund will keep you from having to choose between having your car back and having your lights on. And when a loved one is ill, you can concentrate on them and not think about how you will pay the bills.

Start an emergency fund today. Whatever you can contribute is good. Encourage the entire family to help out. While you are building a cushion for possible emergencies, you are also teaching them to save money.

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