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Monday, May 20, 2024

In a previous blog I wrote about credit cards and the way to use them properly. I very briefly mentioned that consumers should use the rewards that they accrue rather than letting them build up. I wanted to expand on that here. Credit...

Monday, May 13, 2024

There is an old adage in investing that almost everyone has heard: “Buy low and sell high.” But is there ever an instance where you would do the opposite? Obviously, the goal is always to make money on your investments, however...

Monday, May 6, 2024

A question that I see people wrestle with often is how to use their spare cash – save for retirement or pay down your debt? Like most topics, the precise answer is highly dependent on the individual and their circumstances, however...

Monday, April 29, 2024

A question that I am frequently asked is whether it is better to make retirement account contributions on a pre-tax basis (Traditional) or a post-tax basis (Roth). The answer to this question is highly specific to each individual and...

Monday, April 22, 2024

How much risk is appropriate for you to take with your investment portfolio? This is another one of those questions that is difficult to answer as it is highly specific to each individual and their unique situation. I recommend...

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Monday, April 15, 2024

I am often asked which estate planning documents are necessary vs which documents are less important. The answer is very specific to each person’s individual situation; however I can share a few basic portions of a well rounded estate...

Monday, March 25, 2024

In today’s world, people tend to move between employers much more often than they did years ago. One reason is that Pension’s are much less common and have largely been replaced with Defined Contribution (401k, 403b etc.) retirement...

Monday, March 18, 2024

I am going to take a minute today to share some thoughts on recessions. As mentioned previously, recessions are a normal part of economic cycles. We can confidently predict that they will happen, but we cannot confidently predict when...

Monday, March 11, 2024

Last year as we entered 2023, most economists believed that the US economy was likely to enter into a recession at some point during the year. They had many reasons to believe this. In addition to the Fed rapidly raising interest rates...

Monday, March 4, 2024

Social Security is a controversial topic but worth spending a minute discussing today because it is an important piece of the retirement puzzle for most people. There are constantly headlines in the news about Social Security, how it...

Monday, February 19, 2024

The goal of this post is to share a few details about how Individual Retirement Accounts work, and the tax implications for them during accumulation and in retirement. This post does not include all of the rules and I intentionally...

Monday, February 12, 2024

Almost anyone who has spoken with me on financial planning has heard me express how much I love Health Savings Accounts (HSAs). In my opinion HSAs are an underrated and underutilized tool that can provide numerous benefits when used...

Monday, February 5, 2024

As mentioned previously bonds have risks that should be understood. Here are a few of the most common risks in bond investing. One of the most relevant risks is how interest rate changes effect this investment. In last week’s...

Monday, January 29, 2024

It is commonly recognized that bonds play an important role in portfolios. However, many people can’t explain what a bond is or how it works. This post will attempt to explain how bonds work as well as state the risks associated...

Monday, January 22, 2024

I am often asked about Crypto currencies and if I recommend purchasing them. Admittedly, this topic is relatively new in the financial world and opinions about crypto, its uses and most importantly, its value vary widely. I have a...

Monday, January 15, 2024

There is an old saying, “Cash is king”. Cash is a very important asset class but unfortunately also one that I feel is often mis-used by many people. In my experience, the two most common errors that I see for cash...

Monday, January 8, 2024

Credit cards can either be our best friend or our worst enemy from a financial perspective. I am a big proponent of using credit cards properly for the many benefits that they provide. This is a particularly timely topic now that the...

Monday, December 18, 2023

In the complicated world of the financial industry, there is a vast array of services, products, and sales pitches that can easily confuse even a well-informed investor. In an effort to help ensure you make the best possible decisions...

Monday, December 4, 2023

Risk management is a broad topic and requires understanding of what risks you are trying to control and how to best manage them. There are several common risks that people need to be aware of and address appropriate in order to...

Monday, November 27, 2023

Dollar cost averaging is a simple, efficient way to invest that can possibly lower your market risk. Whether you realize it or not, if you are utilizing a company sponsored retirement plan, you are already dollar cost averaging. I will...

Monday, November 20, 2023

A question that I am often asked, especially in the early stages of working with a new client, is what stocks that I recommend. Typically, the people that ask this are looking for the next big idea, such as the next Amazon or Apple...

Monday, November 13, 2023

Inflation is something that most people have some level of familiarity with but has gotten extra attention in the last couple of years while it has been high. I am often asked about inflation, if it’s bad and how much it should...