Many have seen much of their wealth dissipate over the last several years. A slow economy and massive debt will likely limit returns on investment for many years to come. High unemployment and no salary growth limit what you can save to rebuild your wealth. With rates-of-returns and pay increases stagnant, to rebuild wealth astute savers turn their attention to better educating themselves on financial management and to lower expenses. Travis Freeman, CFP founder of Four Seasons Financial Education explains what many planning for retirement need to know to take charge of their financial affairs. The expenses you pay to those who manage your money may be a lot more than you think. Simply saving an additional 1% compounded over time means your nest egg can grow much larger. Mark Cortazo CFP, founder of MACRO Consulting Group offers a different fee based model for money management. His flat fee approach can save you you a lot.

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