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Wednesday, April 17, 2019

Don’t Let a Declining Stock Market Steer You Off Course Big red arrows, panicked cable news experts, and the echo chambers of our social media feeds can make stock market volatility seem much worse than it actually is. If...

 

Wednesday, April 10, 2019

There are many reasons why people who could retire are hesitant to do so. Some people think they need to wait until they’re 65 or older. Some are worried about running out of money. Many parents want to keep supporting their...

 

Wednesday, April 3, 2019

“How am I doing?” That’s a big question that most people have when it comes to their money. One way we tend to look for answers is by comparing what we have to what our neighbors, friends, and family, have. Even...

 

Wednesday, March 27, 2019

One of the reasons that divorce is such a challenging life transition is its public nature. A couple might keep their problems private as they try to work through them. But if a rift opens that can’t be mended, the couple will...

 

Wednesday, March 20, 2019

Many folks who have just begun working with us are surprised by how our planning process starts. We don’t begin by talking about IRAs, 401(k)s, or how much you’re saving. Instead, we begin by talking about you, not your...

 

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Wednesday, March 13, 2019

Time flies when you’re a parent. Just when you’ve wrapped your head around the demands and responsibilities of raising a child, you turn around and your little bundle of joy is ready to head out into the world. This empty...

 

Wednesday, March 6, 2019

A hamster in a wheel. Have you ever watched a hamster running in a wheel? All that running, all that effort, day after day after day … But the poor little critter never really gets anywhere, does he? Many of us feel the same way...

 

Wednesday, February 27, 2019

Legacy planning is often the last piece folks tackle in their financial planning, because it’s the least appealing to think about. Planning for a robust nest egg that will keep you safe, secure, and fulfilled when you stop...

 

Wednesday, January 30, 2019

Setting New Year’s resolutions can be easy and fun, and lead to some exciting changes in your life. Making your goals, based on your resolutions, become reality requires a few steps. Keep them short and easy. Create achievable...

 

Thursday, January 24, 2019

The start of the new year always seems to represent new beginnings. It’s a time to remake our priorities and to reimagine our futures. Although the calendar may not recognize its significance, our humanity marks the passing of...

 

Wednesday, January 16, 2019

A popular online movement wants to make 40 the new 65. FIRE stands for Financial Independence Retire Early. The idea is that by working as hard as you can and saving as much as you can as soon as you enter the workforce, you can become...

 

Wednesday, January 9, 2019

A blank calendar filled with nothing but free time can be every bit as stressful as a packed work week. That’s the surprising fact that many new retirees confront after a few days of hitting the snooze button and puttering around...

 

Monday, January 7, 2019

If you are young and healthy, it can be hard to think about worst case scenarios and planning for something bad happening to you. The likelihood is that you will live a long healthy life and may not need some of these documents until...

 

Wednesday, January 2, 2019

As your parents begin to settle into their final phase of life, their health, residence, and finances could become a factor in your retirement planning. This is especially true if you are the person your parents have tasked with...

 

Wednesday, December 19, 2018

Parents know that children hear, see, and pick up on everything that is going on with the adults in their lives. And when you were a child, you were no different. Many of the attitudes we have about money were formed at a very early...

 

Wednesday, December 12, 2018

According to a recent study by TD Ameritrade, 25% of baby boomers are supporting their family members financially (1). Support to adult children averages out to $10,000 per year. That’s $10,000 that boomers aren’t saving,...

 

Wednesday, December 5, 2018

There’s a pretty good chance that your parents and grandparents retired just because they turned 65. Today’s retirement is a bit more complicated than that. While age is still an important factor, your ability to connect...

 

Wednesday, November 28, 2018

Part III If you’re like many millennials in their 20s and 30s, you want the help of a financial planner but are living paycheck to paycheck as it is and aren’t sure how you can afford it. In order to engage this type of...

 

Wednesday, November 21, 2018

Part II As we briefly covered last week, the student loan landscape is a vast and unfriendly place. You’ve probably heard the phrase “never accept a first offer.” When it comes to taking on a repayment plan as...

 

Wednesday, November 14, 2018

As millennials enter their 20s and 30s, they begin to ponder the future and what it might look like for them. The goals and objectives of this generation, my generation, are as diverse as the population itself. They love to travel and...

 

Wednesday, October 17, 2018

As the S and P 500 market index made adjustments last week by dropping down -4.1% according to market watch, the year to date numbers remained positive at 3.58% since January 2018. This email is just a reminder that, like a top chef...

 

Tuesday, October 9, 2018

Have you ever been brushing your teeth or walking your dog when all of a sudden you have a flashback to something embarrassing you did in the past that literally stops you in your tracks? I wish I could say this does not happen to me...

 

Monday, September 17, 2018

Have you ever broken a bone or gotten mono? Were you able to keep working? In many cases of injury or illness, people have no problem going right back to work or returning after a brief hiatus. But what happens if you have a stroke,...

 

Wednesday, September 5, 2018

There are few experiences in a couple’s life more exciting than welcoming a baby into the world. Children provide a wonderful new light in your life. They help round out your feelings of purpose and meaning. They (might) bring...

 

Friday, August 31, 2018

If you’ve never bought a home before or are shopping with your significant other for the first time, the prospect of everything that has to be done ahead of time can be a little overwhelming. If you aren’t where to start or...

 

Wednesday, August 29, 2018

I’m often asked by potential clients when they first approach us for financial planning advice, what my thoughts are on consolidating assets from multiple advisors to one advisor. Contrary to what you might have read about...

 

Wednesday, August 22, 2018

Empower Yourself by Recognizing Your Freedom to Choose “When we are no longer able to change a situation, we are challenged to change ourselves.” Viktor Frankl We may not always be able to control the circumstances of a...

 

Wednesday, August 15, 2018

Are you recently engaged or newly married? Congratulations! This is an exciting time in your life and it is also one of significant transition. There are many things that need to be considered or updated when you are combining your...

 

Tuesday, July 31, 2018

Have you ever taken a vacation with your friends and put it on a credit card – promising to pay it off later? Did you pay it off later? If you’re like many of my clients, the answer to these questions is often Yes and No,...

 

Monday, July 30, 2018

Do you feel “at home” in your home? Your home is often the biggest financial purchase you’ll ever make. But is it also giving you the emotional payoffs you hope for? Your home is an important part of your financial...

 

Monday, July 23, 2018

A Simple Plan to Achieve More in Life and Feel Good About the Results We tend to overestimate what we can accomplish in the short-term and underestimate what we can accomplish in the long-term. The frustration that results is one big...

 

Monday, July 16, 2018

Finance and Family – Why so taboo? Although it is a something that is used every day by people across the country, money remains a controversial topic among American families. It is often even considered...

 

Tuesday, July 10, 2018

In a recent survey of 12,000 workers worldwide conducted by the Energy Project, only 50% of respondents found meaning in their jobs (1). Imagine spending 40 hours a week doing meaningless work. It’s soul-sucking, but it...

 

Wednesday, May 16, 2018

A Common Scenario. A busy 40- to 50-hour work week, kids that need shuttling to and from school and extracurriculars … and a gradually decreasing metabolism. Sound familiar? Young, working couples with no kids may have more...

 

Wednesday, May 9, 2018

Should I Sacrifice My Retirement to Support My Children? Most parents will say that they want to help their children as much as they can and give them every advantage. But what if “every advantage” comes at the expense of...

 

Wednesday, May 2, 2018

A hammock on the beach. Your favorite chair in the living room. Waking up when you feel like it. A blank calendar. Doing what you want when you want. Doing nothing if that’s how you feel that day. After a lifetime of working 40...

 

Tuesday, April 10, 2018

Does investing strike “fear” in you? We once heard somebody say the word “fear” stands for “False Evidence Appearing Real.” That seems to apply to investing. Here’s why. The stock market makes...

 

Thursday, March 29, 2018

Most people consider insurance an important part of their financial plan. But do you also have an insurance philosophy that you use to determine exactly how much coverage you need? By the way, people often tell me they...

 

Tuesday, March 6, 2018

Many studies have shown that charitable giving provides greater happiness than buying more stuff. Eventually, you get used to your fancy new car, and the enjoyment it provides goes down. But giving forges feelings of connectedness and...

 

Friday, February 16, 2018

Spending: What to Do When You and Your Spouse are NOT on the Same Page? Most married couples take a “divide and conquer” approach to household tasks and chores. One spouse might handle weekly shopping, the other might...

 

Tuesday, January 30, 2018

Check out our winter Perspectives today, including tips on safeguarding your credit, making and sticking to your financial resolutions, and vacation destinations! Click here for the full magazine!

 

Wednesday, January 24, 2018

“The only money that’s really yours is the money you spend. Everything else goes to somebody else.” Teddy Chafolious That piggy bank we remember from childhood wasn’t just a place to store our birthday money...

 

Thursday, January 18, 2018

Debt: What’s Your Story and How Do You Feel About It? In a recent study, half of Americans said their expenses are equal to or greater than their income. 1 Revolving credit, particularly credit cards, is an increasingly...

 

Wednesday, October 18, 2017

Check out our fall Perspectives today, including tips on health, reducing stress, and seasonal foods! Click here for the full magazine!

 

Wednesday, October 11, 2017

 

Thursday, October 5, 2017

Fall is here! The season of changing leaves, cooler temperatures, and fun fall holidays – like Halloween and Thanksgiving – are coming up soon. Here are 6 ways to enjoy all those fall activities without breaking the bank!...

 

Friday, August 11, 2017

Do you have a down payment? Putting at least 20% down is ideal. It avoids the need to purchase mortgage insurance and communicates to the seller that your finances are strong. If you don’t have 20%, there are programs for...

 

Monday, July 31, 2017

Our 2017 Spring Newsletter is here, and we can’t wait to share it with you. The common trend for this time of year is spring-cleaning, which isn’t always fun but sometimes necessary. The end result can make you feel so...

 

Thursday, July 27, 2017

 

Monday, July 17, 2017

No matter what generation you are a member of – Baby Boomers, Gen X, Millennial, or Gen Z – I have some free, basic financial advice that will serve you well. “Spend less, save more, and don’t do anything stupid...

 

Wednesday, July 12, 2017

It’s every parent’s worst nightmare: the unexpected phone call telling you that your child has been in a serious accident and is in the hospital. Frantic, you prepare to leave to be with your child as you call the hospital...

 

Tuesday, July 11, 2017

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Monday, July 10, 2017

An important part of your retirement plan is a discussion of the benefits of working, regardless of age. Retirement is no longer an event––it is a segue into an altered definition of life as you know it. One definition of...

 

Wednesday, June 21, 2017

When it comes to investing, the current standard of return on investment (ROI) can be self-limiting, adding pressure that is counterproductive. So much of ROI is not within our control. We can diversify investments––always...

 

Monday, June 12, 2017

 

Monday, May 22, 2017

Networking has, over the past couple of decades, become something of a buzzword. It’s schmoozing with less emphasis on selling something, and it’s socializing with a professional slant. Sometimes it’s fun, and...