Ryan J. Marshall is Dave Ramsey’s SmartVestor Pro for Retirement, Investment Advising and College Savings. Ryan works with individuals and families to help them achieve their financial goals. With office locations in Wyckoff and Westfield, NJ we offer services throughout Bergen, Passaic, Essex and Union County.As a Certified Financial Planner Ryan has a fiduciary duty and adheres to the Dave Ramsey Code of Conduct. SmartVestor Pros are held to a high standard of excellence while staying committed to educating and empowering our clients. Here are the Baby Steps to follow:$1,000 to start an Emergency FundPay off all debt using Debt Snowball3-6 months of expenses in savingsInvest 15% of household income into ROTH IRAs and pre-tax retirementCollege funding for childrenPay off home earlyBuild wealth and giveWorking with an advisor that is part of the SmartVestor network cannot guarantee investment success or that financial goals will be achieved. There can be no assurance that working with a Dave Ramsey SmartVestor Pro (SVP) will produce or achieve better results than working with an advisor not affiliated with the SmartVestor program. Advisors that participate in this program pay a fee to belong to the program for client leads that are provided. Dave Ramsey and the Dave Ramsey SmartVestor program is not affiliated with Cetera and ELA Financial Group, Inc and is not sponsored or endorsed by Cetera nor ELA Financial Group, Inc.