Helping pave the way towards financial freedom
Discussions I have with people are typically how to structure their life and position their finances such that they can someday retire. After all, no one wants to work until 80, right? With proper planning we devise a path for people to get the pieces in place for the goal of retirement. The so-called average…
Today we are talking DEBT PAYBACK, snowballs, and avalanches. I believe there are good kinds of debt, but also bad kinds. And I recently have been listening to various conversations in my industry and advice for people who are in debt. The average U.S Household has nearly $7k in credit card debt and is paying…
Over the course of the past couple weeks, I’ve come across some interesting topics that I’d like to share and discuss: Time to Give Your 401(k) a Checkup (by Penelope Wong, Consumer Reports) One important change to the retirement account landscape was that the 401k contribution increased for all eligible employees to $19k. While not…
It’s early in 2019 and you are probably realizing that you’ve been slacking regarding your finances. Ironically, you felt the same way a year ago (and probably the year before that) but are stuck in first gear. So, the question remains: is NOW finally the time the get your financial house in order? I say…
Many people reading this may be fortunate enough to have a retirement account established for them through their employer. But for small business owners, like myself, we have to create our own ways to save for retirement. I am always surprised to see that many small businesses don’t fully evaluate their options, and if anything,…
In case you turned off the news and/or were hiding under a rock for the past couple months, you may not have noticed that the final quarter of 2018 was not the best for equity markets around the world. December specifically made headlines for being one of the worst performing months in recent history. The…
This past week I have listened to various thought leaders on a topic called the “F.I.R.E. Movement”. No the house is not burning down, nor does the acronym imply a state of urgency. But for those of you who hadn’t heard of it previously, let this be the first. Financially Independent, Retire Early. And for…
O bear market, o bear market. Where art thou bear market? While I don’t wish it upon us, I am a realist. Lurking out there somewhere is a pullback waiting to happen. I’ve been doing this long enough to know the markets do not just go straight up. Bear markets are part of investing, for…
Most people I know that have a heartbeat and four limbs all wish they could pay less in taxes. As an advisor, I share some of these strategies as I come across various situations. Being tax efficient is very much a part of every financial plan that I put together for clients. Why not use…
As I have mentioned previously, I have been a big “podcast addict” (coincidentally that’s also the name of the android app that I use to listen) since discovering podcasts in early 2017. I don’t know how long they existed prior to me discovering them, but it’s been one of the best things to happen to…