Category Archives: Financial Planning

The Savings Rate – How You Take Care of “Future You”

I recently got a raise, but it still feels like I’m living paycheck to paycheck.  What should I do? Many clients I encounter wish they had more money.  Everyone has different reasons for wanting more money, but the drive for more is fairly universal.  “If I could just make some more money, I could invest…
Read more

Nickels, Dimes and the Subscription Economy

Do you look at your bank account and have no idea where your money went? If you answered yes, then don’t feel too bad, as you are not alone. Recent numbers from the Federal Reserve show that the average American household has over $16,000 in credit card debt.  Most people “know” that they should spend…
Read more

Planning – Annual Gift Limits

Do you have a family member that is impossible to shop for? If so, you are not alone. I happen to be that person in my family, and I am confident that every family has one. But I’ll let you in on a little secret. There’s one gift that pleases everyone, and it can make…
Read more

What Are People Doing With Their Tax Returns?

Tax season is here! That’s exciting news for many people who are expecting returns, but not everyone is. For better or worse, here’s the rundown of how many people are expecting returns, and what they are planning to do with them. The results will likely surprise you. [button text="Mention This Blog Post and Receive $50…
Read more

Forget Retirement – Seek Financial Independence in 2016

Retirement: the act of leaving one's job and ceasing to work. Financial Independence: having sufficient wealth to live on without having to work There’s a very subtle, but very important difference. Most people achieve financial independence and retirement at the same time. As soon as they can afford to retire (i.e. - achieving financial independence),…
Read more

This Strategy Saved Us Thousands on Healthcare

Do you have a child or other family member that requires significantly more medical care than the rest of the family?   I do.  My daughter Ruby has Down syndrome.  While her medical care isn’t very expensive now that she’s 5 years old, her therapy expenses still are.  If we paid out-of-pocket for all of…
Read more

I’m 34 Years Old. Am I Falling Way Behind on Saving for Retirement?

I’m 34 years old and haven’t started saving for retirement.  Am I falling way behind? That’s a great question, and there are two vantage points that we’ll want to consider when answering it.  First off, let’s look at where you stand in relation to your peers.  And second, let’s look at where you stand in…
Read more