Marc Linsky Estreet Financial
Marc Linsky of Estreet Financial

Marc Linsky of Estreet Financial Believes That Retirement Planning Can Start Right After College

Marc Linsky of Estreet Financial recently spoke to college students about the importance of planning for retirement the moment that they graduate. These steps can make this process much smoother, they claim.

Marc Linsky of Estreet Financial Suggests Retirement Planning ASAP

Marc Linsky of Marc Linsky is a certified financial planner who holds a CFP certification and who has been recognized by multiple states – including New Jersey, Florida, and New York – for his excellence in many financial services. And his suggestions for retirement planning have become some of the most trusted in the nation, due to his success with Marc Linsky of Estreet Financial.

So when he says that retirement planning can and should start with college, it is very easy to believe him. One of the critical steps, as defined by Marc Linsky of Estreet Financial, is to start saving a little bit of money the moment that you finish college. He suggests at least 15 percent of your finances being put aside into a form of savings account or some investment. This process is wise for many reasons.

First of all, putting aside nearly 20 percent of your income every month builds a consistent and persistent level of savings. Marc Linsky suggests finding a living situation, first, one that doesn’t take up more than 33 percent of your income after you save the 15 percent from it. You may have to cut back a little during the early years of this process, but Marc Linsky says that it will be more than worth it.

For example, a strict budget is a good step for those at their first job. Try to avoid going out and eating or buying unnecessary items. For many college students, Marc Linsky says, this period of adjustment may feel like an extension of college years. There will likely be a lot of inexpensive foods, like pasta and rice, eaten during this part of a person’s savings period.

As your career advances, Marc Linsky of Estreet Financial suggests keeping that 15 percent savings rate. And he also recommends finding a job that focuses on your retirement, such as providing a matching 401k. When you find this amenity, Marc Linsky says that you should place your 15 percent monthly savings into this account to get the best results.

Beyond that, Marc Linsky of Estreet Financial also suggests that you open a compound savings account with the highest possible percentage of return. Several thousands of dollars – such as leftover student loan money – placed in a savings account at a young age could end up netting you over half a million dollars. Marc Linsky emphasizes these tactics because the earlier you start planning, the more money you will have available for your retirement.


Marc Linsky

Marc Linsky of Estreet Financial Discusses How to Plan for Retirement (in Uncertain Times)

Marc Linsky Estreet Financial President knows how difficult it can be to plan for retirement, particularly in uncertain times. These tips will help see you through uncertain times and allow you to prepare for your retirement.

Marc Linsky Estreet Financial1) Know Your Finances
It’s important to know the state of your finances. Are you on track to meet your retirement goals? Could you cut back on spending to increase your retirement savings? Do you need to decrease your retirement savings to handle your current financial situation? Take some time to see how your current cash flow and retirement goals are faring, and consider any needed changes.

2) Plan For A Longer Retirement
Marc Linsky recommends planning for a longer retirement. Seniors are living longer lives than they have in the past, due to medical advances and healthier lifestyles. Your life, and retirement, may last longer than you expect. No one wants their retirement funds to run out later in life, so it’s important to plan carefully. The Social Security Administration expects 25% of retirees to live to age ninety, but the average retiree only plans for a 20-year retirement. This leaves a one in four chance of a large gap between the length you planned for and your lifespan.

3) Consider Retiring Later
In an uncertain climate, you may want to work a few more years to build more retirement savings. Fewer seniors are choosing early retirement, often with a desire to meet their retirement goals. It’s estimated that by 2026, 60% of seniors will work until age 65.

4) Calculate Retirement Income
Marc Linsky and Estreet Financial know how important it is to have a full picture of your retirement income. This should take into account pension, social security, your savings and investments, any other sources of income, and any taxes that will be owed. You should also take into consideration what your income needs will be in retirement. If your financial needs don’t match your expected income, then you should make some adjustments.

5) Evaluate and Reevaluate Risk Tolerance
Risk tolerance will change over time. You will likely have more risk tolerance at 30 than at 60. The uncertainty of financial markets will play a factor as well. Do you take a big chance in hopes of a big reward, or play it safe? Marc Linsky specializes in advice about these situations, but it’s ultimately up to you to determine the level of risk that’s acceptable to you.

About Marc Linsky CFP

Marc Linsky Estreet Financial President holds the CFP certification, which is considered the standard of excellence for financial planners. Estreet Financial specializes in retirement and financial planning, particularly for medical professionals. Marc Linsky has worked in the financial planning industry since 1986, and upholds the highest standards of integrity.

Marc Linsky

Marc Linsky Looks at the Pros and Cons of Setting Up Your IRA in Real Estate

You probably know by now an IRA is an Individual Retirement Account into which you deposit tax-free money each year for retirement. Most people associate IRAs with cash deposits of gifts, year-end bonuses, or even savings accounts. But were you aware that an IRA can consist of other investments as well? Real estate is one of the choices for those investors that aren’t afraid to diversify. Here Marc Linsky talks about the pros and cons of having your IRA in real estate.

Marc Linsky Estreet Financial“There are a number of benefits and drawbacks to having your IRA in real estate,” Marc Linsky says. “Unfortunately, most people aren’t aware of them.” For example, the financial return on real estate in a growing market can outperform some of the best stocks, he says. “That’s if you know what you’re doing,” he adds. Some investors prefer a REIT (real estate investment trust) or mutual funds that invest in real estate. Others have found they like having tangible real estate as an investment, even though it’s not simple to set up, Marc says.

To start an IRA in real estate, Marc Linsky says, it needs to be set up as a trust, which is more expensive to create and maintain, compared to a regular IRA which doesn’t require any special treatment. A trust is its own entity and considered completely separate from you, but you will own it, Marc Linsky says. The IRA needs to be set up as a self-directed IRA. This means that you don’t have a brokerage account or bank overseeing it, and you’ll make your own management decisions, he says.

You will need what’s called a custodian for the trust to handle all the details. “Self-directed IRAs are strict, and all your transactions must be funneled through a custodian who handles everything,” he says This custodian is not a manager, he adds, and won’t give you advice or tell you what to do with your account. They are simply there to manage the paperwork for you, he says.

Next, Marc Linsky says, the real estate itself must be used only as an investment. That means no second homes and no commercial office space you’ll later use. “The IRS has strict rules about what type of properties are acceptable,” he says. You must be careful here, he adds, since any violation of any of the rules will void your IRA and turn your investment into taxable income.

“Part of the reason we don’t see too many IRAs set up this way is that it takes a pretty big IRA balance in order to buy real estate investments,” Marc Linsky says. Another reason it’s not wildly popular is that the purchase needs to be in cash from the trust, and you can’t use a mortgage or other loan as financial leverage. You also don’t get the deductions of homeownership for the IRA, like interest deductions, Marc says, since the trust owns everything, not you. “Then there are tax penalties for things like contributing any of your own money for repairs,” he says, “so it’s important to have enough money in there to cover everything.”

However, once you have satisfied all the IRS requirements for setting up your IRA in real estate and if you’ve chosen your property correctly, you can expect a steady income stream from rents. This can grow an IRA faster, Marc Linsky says, since all income from the investment goes back into the IRA. “You can also sell or trade the property for other real estate investments,” he says, “so there is some flexibility there.”

“There are a few other rules,” Marc Linsky adds, “so be sure to get with your certified financial planner to set it up correctly. Give me a call if you need help getting started.”

Marc Linsky

Marc Linsky Talks About Social Security Benefits While Working

Since the 1940s, Social Security has been the primary source of income for millions of retired and disabled Americans. Today, however, you don’t have to wait to quit work to collect Social Security benefits. If you haven’t reached retirement age, you have several choices you’ll need to make in the years ahead to maximize your social security benefits. Here, Marc Linsky looks at some of the things you’ll need to consider if you’re thinking about drawing social security retirement while you’re still working.

Marc Linsky Estreet FinancialWith over 178 million workers contributing to Social Security every month, the laws surrounding the system are becoming more complex each year. For example, are you aware that your full retirement age depends on your date of birth? Marc says you still can draw benefits as early as age 62. However, several factors exist which could have a significant impact on the amount you receive. For example, if you elect to take your benefits early, your benefits could be significantly reduced because you chose to receive them before full retirement age. “Then there’s the option of continuing to work,” Marc says. He explains if you continue employment, there’s a certain threshold of income you can make before your benefits are again reduced. (If you retire at your full retirement age, those thresholds won’t apply to you.)

Marc Linsky says these Social Security thresholds are still the same as when the Social Security Administration established them in 1993. Why haven’t they changed? Marc says the primary reason they remain unchanged from year to year is that the average American’s wage increases annually. Keeping the thresholds the same year after year means more people will start hitting that threshold earlier in life. This acts as a sort of a “raise” for SSA each year without them having to announce a tax increase. “It’s one little-known way they continue to fund the system,” he says. If you decide not to continue working, Marc says your benefit will depend on your full retirement age, which has slowly increased to age 67, and benefits could be higher if you wait till age 70. He says there’s no real benefit for waiting past age 70, and no deduction exists then even if you are continuing to work.

Social Security’s website reports just under 70 million recipients receiving social security benefits of some kind each month. With staggering numbers like that, Marc Linsky says it’s important to understand that the SSA is extremely busy. There’s a chance, he says, that you won’t get the benefits you deserve unless you know to ask the right questions. “I’ve seen too many people who were given the wrong advice,” he says. Marc says the Social Security Administration has an online earnings test calculator where you can estimate your potential benefits as well as estimate how much could earn if you choose to continue working after retirement. “But I highly recommend not to leave this up to chance,” he says. Social Security and retirement planning are what certified financial planners do every day. He adds, “with the laws more complex than ever and changing from year to year, it’s imperative you understand what your best options are for your retirement years. Don’t hesitate to give me a call – I’m always happy to help you find the best plan for your situation.”

Marc Linsky CFP is a certified financial planner and the President of Estreet Financial, a financial investment firm specializing in retirement and financial planning with particular focus on those in the medical professions. He holds the CFP certification, which is recognized as the standard of excellence for the financial planning profession and has been helping people with their financial, retirement, and estate planning since 1986. Marc holds a bachelor’s degree in Marketing and Economics from Penn State University. He has been married 33 years to his wife, Molly, and has 3 grown children and 2 grandchildren. Estreet Financial has offices in New Jersey, Florida, and New York.

Marc Linsky

Marc Linsky CFP Talks About What to Look for in a Financial Planner

There seems to be talk everywhere about the importance of planning for your future by securing the services of a financial planner. But were you aware of precisely what to look for when choosing a financial planner to help you with your future? “It’s not just a matter of picking a name out of a phone book,” Marc Linsky CFP says. Choosing the right financial planner for your future needs is almost as important as choosing the right plan itself, he says. Here, Marc looks at what you need to consider when selecting the person that can make or break your future security.

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First and foremost, Marc Linsky CFP says, look for someone who is certified. With several thousands of financial planners to choose from, Marc says a Certified Financial Planner is someone who has your needs in mind. “CFPs must undergo rigid training and testing,” he says. Other financial planners may or may not have been trained in the area you need, Marc adds, which makes it difficult to know who has the expertise you need. “Even if you get a referral from someone you trust,” he adds, “that’s no guarantee since your friend’s situation could be (and usually is) different from your own.”

Marc recommends looking for a certified financial planner that charges by the hour. “That way,” he explains, “the planner will have your needs in mind and won’t be earning commissions off his recommendations.” This is important since you don’t want to be coerced to buy heavily commissioned securities that someone is pushing, he says. When the planner charges by the hour, you can be sure that the advice you get is for you and you alone, he adds.

One thing to watch out for, Marc Linsky says, is that some fee-only planners charge an annual fee usually based on a percentage (usually 1%) of your estate. There is the possibility, Marc explains, that the planner may not advise you to sell part of it when you need to since it would mean a smaller annual fee for him. This is just another reason to look for a certified financial planner, he says, since part of the certification means that planner is held to a higher ethical standard.

Another thing to listen for, Marc Linsky says, is if the planner thinks he can beat the market. Ethical planners won’t make promises like this. Ethical planners will give you sound financial advice across the entire range of financial needs and will ask how much risk you are willing to take as part of their intake process. One place where you’ll find certified financial planners is The National Association of Personal Financial Advisors. These planners are fee-only, which means they don’t earn commissions on their recommendations and pledge to act in their clients’ best interests. “It’s almost like a safety net for your future,” he adds.

Marc Linsky

Marc Linsky CFP Discusses His Top 10 Ways for Ensuring a Great Retirement

As a Certified Financial Planner, Marc Linsky has worked with literally thousands of retirees helping them plan for their golden years. Some couples plan in advance for retirement, he says, while others don’t have the luxury of extra time. Regardless, Marc says there are certain steps that anyone can follow to have an enjoyable and comfortable retirement. Here, he outlines some of the top recommendations he has given his clients over the years.

Family & Financial Health | Marc Linsky

Marc Linsky Estreet Financial1) Your family’s health should always come first, Marc begins, “and I like to begin with preventative maintenance.” He says you can’t start too early creating healthy eating habits and getting the proper amount of exercise. “I’ve seen many people,” he adds, “who eat 5-6 servings of vegetables a day. These are the ones that live the longest and feel the best,” he says. Marc Linsky says when thinking about healthcare during your retirement years, make sure you have access to good doctors and hospitals. This doesn’t mean you’ll need to live in a big city, but you might want to think twice before living in a third-world country with substandard care. Marc says along with good healthcare, you’ll also want to ensure you continue to have good health insurance. Look at a few different plans, he adds, to get one that fits your needs perfectly. That way you’re not overpaying for what you don’t need when you add in Medicare, he adds.

2) Your financial health comes a close second, Marc Linsky explains. If you’re able to plan your retirement in earlier years, he recommends working with a certified financial planner to get everything in order. The worst situation to be in, he says, is one in which you need more money and it’s not there. Plan with plenty of income in mind, he says, plus extra income for any unexpected emergencies. Marc recommends having a side job or two on standby so you’re able to earn some extra income if needed. Plan for inflation, he adds. It never hurts to have a little extra for a rainy day, he says.

3) Make sure your insurance needs are adequate. Marc Linsky says a certified financial planner can help you with this and make sure you’re covered in the event of an emergency. You might also consider long-term insurance, he adds, to help cover the costs of caring for you or your loved ones in your later years.

Where to Retire & Spending Smart | Marc Linksy of Estreet Financial

4) Marc says think about where you will retire. “The location you choose to retire is something that is personal to just you,” he says. Some people want warm weather, while others want the benefit of living in a state that doesn’t tax social security. Think about what you want, he says, and what your needs are. Marc references this article from Motley Fool that lists 37 states that don’t charge tax on social security earnings as of this writing:

5) Plan your retirement expenses carefully, Marc says, and have a buffer added to that total. By planning a little bit more than you think you’ll actually need, you’ll be able to weather those rainy days when the unexpected happens. Most financial planners recommend you’ll need about 80% of your pre-retirement income, he says. However, that number is something that he sees vary in a lot of retirees since some people may need more like 85% and some may need much less. Again, it comes down to financial planning, what you’re able to afford, he says, and the lifestyle you want to maintain.

6) Spend smart. Marc says if you can’t afford a lavish lifestyle, planning ahead of time can help. Look for ways to take vacations closer to home and live below your means. Find ways of budgeting to reduce your extra expenses and look for a way of increasing your income. Marc says those three things — increasing your income, having realistic expenses, and reducing your expenses — are the primary methods of making this work. Marc says to look for savings and discounts which are almost everywhere nowadays for seniors. One place he recommends checking out is for a long list of discounts you might not have even considered. “Again, it all comes down to smart spending,” he says.

7) Marc Linsky recommends paying off your mortgage and credit cards. “If you can go into retirement without owning major debts,” he says, “your retirement will be much more enjoyable than if you have unpaid bills hanging over your head.” Of course, this assumes you have savings, he says, which always comes first, he adds. But after your emergency stash is funded, get as much paid off as you can before you retire. Paying off your debts may also help your credit, he says, but the plan is to try not to use too much credit in your retirement years, he says.

The Importance of Having a Social Life, Continuing to Save & Communication | Marc Linsky

8) Keep an active social life, Marc says. While this might not have much to do with financial planning, Marc says that sometimes it does, depending on your idea of an active social life. You’ll want to keep going to lunch with your friends now and then, he adds, or you might decide to join a club or neighborhood group. In any event, Marc Linsky has found that retirees who continue to maintain close contact with friends are the ones who are happiest in their retirement years. Just don’t stop being active, he says. Family and friends are so important to good mental health.

9) Keep saving. Marc Linsky said the happiest retirees are the ones that are still able to contribute to their savings, even with a fixed income. “Again, this goes back to smart spending,” he adds. “It’s the peace of mind of knowing you have some extra money just in case.”

10) The final thing Marc Linsky recommends is communication. If you’re part of a couple, he adds, make sure you’re both on the same page as far as goals. Make sure you decide as a couple on the ideal lifestyle you’d like to live in your retirement age and work together to make it happen, Marc says. It should be something that both of you want, he adds.

These recommendations aren’t new, Marc Linsky says, but they’re just good common sense. “I’ve seen it time and time again — those that plan ahead have the best retirement.” If anyone has any questions about any of these tips, just let me know, he adds. “I’m happy to help.”

About Marc Linsky CFP

Marc Linsky CFP is a certified financial planner and the President of Estreet Financial, a financial investment firm specializing in retirement and financial planning with particular focus on those in the medical professions. He holds the CFP certification, which is recognized as the standard of excellence for the financial planning profession and has been helping people with their financial, retirement, and estate planning since 1986. Marc holds a bachelor’s degree in Marketing and Economics from Penn State University. He has been married 33 years to his wife, Molly, and has 3 grown children and 2 grandchildren. Estreet Financial has offices in New Jersey, Florida, and New York.

Marc Linsky Discusses Ways to Generate Extra Income During Your Retirement Years – Part 2 of 3

In this 2nd part of this 3-part article series, Marc Linsky, CFP at Estreet Financial, explores ways to create extra income during your retirement years.


Are you good talking to people over the phone? Sales may be a great way for you to generate extra income. Marc Linsky says if you’ve got a “people” personality or have previous sales experience, there are plenty of companies like those found on Indeed who will pay you to sell for them. The days of dialing random numbers are over, and technology has taken over, he adds. This is great for someone who can do sales from home since it means you’re calling leads that have already indicated an interest in the product, not simply dialing every number in the phone book, Marc says.

Make Money Off Your Change: Here’s a novel idea, Marc Linsky says. Acorns is a company that rounds up your purchases from anywhere and then invests it on your behalf. It not so much a money maker as it is a money saver, he adds. Here’s how it works: Let’s say you buy a cup of coffee for $4.75 from Starbucks. Acorns will automatically round it up to $5.00 and invest that $.25 for you automatically. It’s a pretty decent way to save your extra change easily, he adds.Marc Linsky Estreet Financial

Lose Weight for Cash: Marc Linsky says this HealthyWage site pays you for losing weight. Just enter in the amount you want to lose and the amount you are willing to “bet” per month. It’s a good incentive to losing weight, but if you don’t hit your goal, the money goes to the company to help support others who are losing weight. For that reason, it might not be a good idea unless you’re sure you can do it.

Sell Your Photographs: This side gig doesn’t require extra training, Marc Linsky says, and it’s easy to do. You upload photos to the site and when one sells, you get paid. It’s probably not going to pay your bills, Marc adds, but every little bit helps. Some sites for selling your photos as stock photograph are Shutterstock, iStockPhoto, DreamsTime, BigStockPhoto, Crestock, PhotoStockPlus, 123RoyaltyFree, Adobe Stock, CanStockPhoto, and DepositPhotos. Note that each of sites has different terms and payment amounts, so read carefully.

If you consider yourself an artist and want to sell online, some good sites to consider are PicassoMio, Red Bubble, and ImageKind. You can also sell prints on sites where you can set up your own store, like Etsy, eBay, CafePress, and Zazzle.

Give Your Opinions: Companies want your opinions, and you can get paid for giving them, Marc Linsky says. User Testing and UserFeel are a couple of reputable companies that will pay you to give your opinion on their clients’ websites.

Another site called InboxDollars will pay you to watch short video clips online.

If you have any qualifying medical conditions, M3Global will pay you for your opinions.

Swagbucks is another popular site in which you can earn gift cards by shopping online, watching videos, taking surveys. Even if it won’t make you rich, it might pay a bill or two.

Sell Your Used Books: Making money with used books has never been easier, Marc Linsky says. A website called BookScouter will let you enter the ISBN number of your book and show you the best places that will pay you money for that book. If you want to make more, you can enter in books from places like thrift stores and flea markets or yard sales. Some people are reporting some good extra income from selling books this way on a regular basis.

Local Shopping: Many people are using local shoppers to save time. With Instacart, you sign up and start earning money helping other people do things they don’t have time for.

Get Cash Back: Consider apps that pay you for doing things you’d normally do anyway. Dosh is an app that is completely passive. When you install the app and link your credit card, every time you spend money at a participating merchant, you earn cash.

Another legitimate site to check out for getting money back from your purchases is Rakuten. For this one, Marc Linsky says, you earn money in the form of “rebates” after a qualifying purchase.

Ibotta is another site that lets you get cash back for items you’d buy anyway. You send them a copy of your receipt from participating stores and earn cash. When you use apps like these for things you’d purchase anyway, it’s just being smart.

Misc: Some companies like Dotdash have a career board in which they’re looking for reliable help from home doing writing and other things. Some of the jobs they advertise require skills in certain areas and some don’t.

If you’re interested in getting free stock, you might want to sign up for Robinhood. This one is good since it doesn’t charge commissions and you can buy and sell stocks for free, Marc says. They say you get free stock just by opening an account and downloading the app.

Don’t miss out on the rest of these ideas to generate extra income from home. See Part 3 for more ideas and recommendations.

Marc Linsky CFP is a certified financial planner and the President of Estreet Financial, a financial investment firm specializing in retirement and financial planning with particular focus on those in the medical professions. He holds the CFP certification, which is recognized as the standard of excellence for the financial planning profession and has been helping people with their financial, retirement, and estate planning since 1986. Marc Linsky holds a bachelor’s degree in Marketing and Economics from Penn State University. He has been married 33 years to his wife, Molly, and has 3 grown children and 2 grandchildren. Estreet Financial has offices in New Jersey, Florida, and New York.

Marc Linsky

Marc Linsky Talks About Three Critical Steps to Starting Your Own Home-Based Business After Retirement

If you’re like most Americans who want to retire somewhere around 65, you’re going to be looking for ways of making extra money to supplement your retirement. Needing more money in your retired years isn’t something new, Marc Linsky says, and starting a home-based business is an extremely popular idea. Many of today’s workers are putting off retirement, Marc adds. It doesn’t have to be this way. Many of his clients have come up with interesting and innovative ways of earning extra money in their golden years with their own at-home business. In this article, Marc Linksy discusses the three critical steps you need to do first before planning to start your own business after retirement.

First, Marc Linksy says, take an inventory of your projected retirement income. How much do you need in additional income? Write down all your sources of income and your expenses. After you have a clear goal in mind, determine how much income you’ll need to sustain your expected lifestyle. “Then I’d recommend adding at least another 20%,” Marc says, “as it’s always good to have a buffer.”Marc Linsky Estreet Financial

Then write down all your projected expenses. Marc Linksy says to be sure to include extra for things like medical premiums and prescriptions. “I’d recommend being generous with expenses like these because if you’re like most retirees, you’ll need additional healthcare down the road,” he adds.

Next, Marc Linsky suggests figuring out what you enjoy doing in your spare time. “Too many people do work they don’t really like,” he says. Marc suggests taking a deep look at things you love to do. “Go ahead and make a list,” he says. “Write down everything you enjoy doing from general things like helping people with their finances to fixing things.” Marc Linsky says a list like this will be the springboard from which profitable ideas for an enjoyable retirement will come. “This is especially important if you are thinking about starting your own business,” he adds, “as it will help increase the quality of your life in your later years.”

The final thing Marc Linsky recommends is to see if any of the things you enjoy doing are monetizable. “In other words,” he says, “is there enough market demand that you can make money from it?” For example, Marc Linsky says, let’s say you enjoy walking dogs. If you live in a big city, there might be plenty of need for this type of service in your area, he says. But if you live in a rural area, it wouldn’t be such a great idea.

As an example, Marc Linksy explains, “I had a client once who loved to sew in her spare time. She decided to start a business sewing custom oversized bibs for seniors in nursing homes.” It was a great idea, he adds, and she did exceptional work, except unfortunately there’s no market for that he added. If she had done some research ahead of time, she would have found that out. This client ended up spending thousands for a website, business cards, licensing, and other incidentals before she realized the idea itself wasn’t viable.

Too often, people will forget that you need to look at the demand side to see if there’s a market for what you enjoy, Marc says. Some places to research demand for products and services would be sites like Amazon, specialized group forums online, and Google’s keyword planner. Proper research is the first step to see if people are searching for what you’re considering. “This is just the beginning of several steps I recommend,” Marc Linsky said. “A little bit of research at this early stage will go a long way towards preserving your investment for your future.”