Middle class struggles to find sound financial advice

Wealthier Americans are inundated with advice on how to manage their finances – investment opportunities are always popping up, giving them chances to turn their money into more money. As for those on the other end of the spectrum, there are advocates out there to help them find sustainable jobs and affordable housing.

But those in the middle need help as well, and all too often, there's a dearth of reliable resources out there to offer financial tips to middle-class Americans. Sheryl Garrett, founder and CEO of the Garrett Planning Network, says that the middle class is often the group most in need of financial assistance, though they have the fewest resources available.

"The financial planning decisions of middle-income families are more critical than that of wealthier people," Garrett told USA Today. "They can't afford to make any mistakes."

Managing finances is a difficult endeavor for middle-class Americans, but here are a few tips on how to be wise with your money.

Ask at work
Often, it's easy for workers to find financial advice by checking with their employers. Quizzle.com notes that administrators of 401(k) plans offer free financial planning advice as part of employees' benefits packages. Advisors are available to discuss a wide range of topics including getting out of debt, saving for college and planning for retirement. Workplace financial advisors might be your best allies, since they're familiar with the salary, benefits and other monetary perks that your company offers.

Demand personal attention
Everyone has a right to demand personalized attention, even if they're not Donald Trump. We all have our own financial needs, concerns and aspirations, and they deserve individual care. There's been a recent trend of financial planners refusing to work with clients who aren't well-endowed financially, according to Kiplinger, but all individuals should seek planners who will meet with them one-on-one.

"It's astonishing that people with less than $500,000 in savings are often ignored by professional financial advisers," financial advisor Ric Edelman told the newspaper.

Always plan ahead
Sound financial management means always making contingency plans for any event that might arise down the road. Whether it's something expected like retirement or college or something unpredictable, like an accident or an employment change, you should always have money set aside for a rainy day.

By working with financial advisors who will help you see the big picture, you can make sound financial decisions for yourself and your family.

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