Monmouth's Ask the Doctor January-February 2020

F I N A N C I A L H E A LT H

Financial Health Includes Your Credit Score Do you have an excellent credit score? A good credit score is used for more than just getting a credit card or a loan. Credit scores demonstrate your history of paying your debts to entities that loan you money. A high score of over 800 gives you access to the lowest interest rates on the market which saves you money. Some employers are even beginning to run credit checks to see if you can be trusted with company finances or as- sets. If you have a history of not being financially respon- sible, you may run into problems finding work. You can check out your credit score at annual credit re- port.com to get a free report.

Our goal is to help you pursue yours. It’s that simple. Your goals are what really matter. That’s why we’ll take the time to understand what’s most important to you: your family, your work, your hopes and dreams. Then we can help you get ready for the future with a financial strategy that’s designed just for you.

Gold Wealth Management

Shawn Gold, CIMA ® Senior Financial Advisor 609.243.7837 • shawn.gold@ml.com Merrill Lynch 7 Roszel Road, 4th Floor Princeton, NJ 08540

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and Member SIPC, and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value The Bull Symbol and Merrill Lynch are trademarks of Bank of America Corporation. CIMA® is a registered service mark of the Investment Management Consultants Association dba Investments & Wealth Institute. © 2018 Bank of America Corporation. All rights reserved. | ARR9DCYP | AD-08-18-0078 | 470949PM-1017 | 08/2018

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ASK THE DOCTOR

JANUARY/FEBRUARY 2020