Available for Interviews: Mario Payne, CFP
Mario Payne is a Certified Personal Planner and is the Founder of TOAMS Financial in Jacksonville and brings over 15 years of investment experience to his business. He is also the author of the forthcoming book, The R.e.l.a.x. Investor: A Stress-Free Approach to Investing While Building Wealth.
What Mario Payne could say on
Money Mistakes:
- Neglecting to Budget and Track Spending. Many people fail to create or follow a monthly budget, which can lead to overspending and failing to save or invest adequately. The lack of visibility into where their money goes each month can make it difficult for them to make informed decisions about their spending habits.
- Lack of Emergency Fund. It’s a common mistake not to save for unexpected expenses. An emergency fund is essential to cover sudden, unexpected costs such as medical emergencies, job loss, or major repairs. Without one, people may need to incur debt or dip into their long-term investments to cover these expenses.
- Ignoring Retirement Planning. Many people underestimate the amount they’ll need for a comfortable retirement or delay saving for retirement, relying too heavily on social security or pensions. This can create a significant financial burden in later life when earning capacity might be reduced.
- Carrying High-Interest Debt. Often, people fail to prioritize paying off high-interest debt like credit cards, instead making only minimum payments. This can lead to paying far more interest over time than the original principal and significantly impeding their financial growth.
- Trying to Time the Market. Some investors believe they can outsmart the market by buying low and selling high based on predictions or short-term trends. However, timing the market is extremely difficult, even for professional traders. This can lead to poor investment decisions and potential losses. Instead, adopting a long-term, diversified investment strategy can be more beneficial.
Interview: Mario Payne, CFP
Mario Payne is a Certified Personal Planner and is the Founder of TOAMS Financial in Jacksonville, Florida’s trusted group of financial advisors. The meaning of TOAMS is Tithe Offering Alms Means Stewardship. He has built his SEC-registered firm on the premise of helping clients while “Making Investing Simple.” Along with building his firm, Mario is very proud to be Dave Ramsey’s ONLY minority Endorsed Local Professional Smartvestor in Jacksonville, FL.
TOAMS Financial offers an array of personalized services, support, and guidance that will help make a positive difference in pursuing their client’s financial goals. They specialize in college planning, investment, retirement, and estate management services.
Mario Payne brings over 20 years of investment experience to his business. Mario made history in February 2022. The company he co-owns launched the first African-American-owned AI ETF on the New York Stock Exchange. The symbol is LETB. The goal of this fund is to limit investment losses while maximizing gains.
Mario Payne is also a veteran who served in the United States Army, guiding as a financial sergeant, guiding soldiers to achieve their financial goals. His passion for serving the community is the backbone of TOAMS Financial.
Payne is the author of the forthcoming book, The Re.l.a.x. Investor: A Stress-Free Approach to Investing While Building Wealth.
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