(BPT) - When did money get so complicated? From spending and charity to saving and investing, it’s hard to know exactly what to do with your finances. Cut through the confusion and consider five smart ways you can use your money to your advantage today.

Bruce Helmer, award winning financial services advisor, author and radio host, believes in a straightforward, values-based approach to managing wealth. “Money itself doesn’t matter; it’s the people and things you love that provide real wealth in life. Using your time and money to support what you value is the foundation of a rewarding financial plan.”

Helmer co-founded Wealth Enhancement Group and recently wrote the book “Real Wealth: How to Make Smart Money Choices for What Matters Most to You.” He recommends five smart things to do with your money: