What’s different about a comprehensive financial plan?

All of us have significant expenses to plan for and prioritize. Emergencies, college savings, weddings, taking care of loved ones, paying down debt, and maybe even taking a dream vacation one day? All these goals are competing for limited resources at different times in our lives. How does anyone choose? Watch our short video to find out.

Jump-Start Your Financial Plan For 2021!

What new goals are you trying to reach in 2021?

Are you focusing on your physical health by joining a gym and cleaning up your diet? Are you throwing yourself into your career in order to earn a promotion? Or maybe, like millions of other people, you are using January’s fresh start to find renewed motivation and make a financial plan to get out of debt, save more, or reach a financial milestone, whether that’s purchasing a vacation home or retiring.

And while setting goals can be a healthy way to focus on what matters in the new year, 80% of resolutions fail by February.…

Most People Are Unknowingly Borrowing Tax Money from the IRS, Are You?

Did you realize that you’re taking a small loan from the IRS each time you contribute to your IRA or 401K?


Well, are you contributing to a tax-qualified plan, like an IRA or 401(k), as a way to save for retirement?


Millions of Americans are, every payday. This is slowly and steadily creating several ticking tax time bombs for you, just waiting to go off in retirement, or sooner in some cases. If you’re tired of borrowing from the IRS and don’t want the burden of a tax lien on your retirement accounts, read on.


Your Tax Deductions are a Loan


Here’s a secret.…

The Biggest Problem with Retiring Early? Health Insurance

Is health insurance preventing you from retiring early?


This is the reality for many hardworking individuals who want to quit working before they turn 65 or think of retiring early. But dealing with the high costs of health insurance (and the increasing need for it as they age) before becoming eligible for Medicare means that they feel forced to keep working. 

Even those that have made savvy financial choices during their working lives and have saved a considerable amount are finding it nearly impossible to retire early. And those that do proceed with an early retirement find that they’re spending a sizable portion of their nest egg on healthcare since they’re no longer covered under their employer’s plan.

10 Things To Do Within 10 Years Of Retirement

How long have you been dreaming about visiting white sandy beaches, going at a slower pace, or spending more time with family? However you want your retirement to look, you’ve almost made it! After countless years of working and saving, you are finally getting closer to the retirement finish line. While the end is in sight, that doesn’t mean it’s time to put your feet up and count down the days until you pack up your office for good. Set your mind to finish the race stronger than you started by doing these 10 things within 10 years of retirement.…

5 Unexpected Threats To Your Retirement Plan

One of the top anxieties Americans face today in relation to retirement is the fear of not having enough money to retire, with only 27% of pre-retirees believing they’ll be financially prepared for a retirement lasting 10 years. (1) And while saving sufficiently for retirement is a critical issue, there are other little-known and often ignored threats that could cause you to lose the nest egg you have diligently worked for. As significant as flat-out not saving enough, here are some of the less commonly discussed ways you could run into retirement trouble and how to help prevent them from derailing your retirement finances.…

What Percentage Of Your Yearly Budget Should Be Spent On Vacation And Travel?

I love to travel. If you don’t believe me, check my passport. I’ve been to 8 different countries in the past 90 days. So, I get it. I understand the need to just pack your bag and fly away.

But I also understand finances. I understand debt. And I understand the trade-offs between current desires and long-term needs. Unfortunately, it seems like not a lot of Americans do.

What Americans Spend On Travel

The average American spends about 10% of their income on travel, according to the 2017 LearnVest Money Habits and Confessions Survey.

See A Sample Financial Plan

With a world of information at our fingertips, we can find reviews, history, product specifications, and a plethora of other details about anything we are thinking of buying. In other words, before making a major purchase, we can arm ourselves with information to make the best choice possible. While creating a financial plan is in a different category than buying a car or putting an offer on a home, we believe it’s just as significant of an investment and that you should know what you’re getting before you pay a penny.

Because we develop custom financial plans for each client, it’s no easy task to provide one without working extensively with you.…

The Top 4 Regrets In Retirement

What usually comes to mind when you think about how you will spend your retirement? Perhaps some traveling or bucket-list experiences? Or maybe enjoying extra time at home with family? Most of the time, we look ahead with excitement, relishing the thought of slowing down and finally having all the time in the world to pursue passions and invest in relationships. But there’s a lot more to planning for retirement than just counting down the days until you turn 67.

While daydreaming of fun and freedom is far more enjoyable than considering the obverse, it is important to address the details before it is too late.…

What Should You Do During A Stock Market Decline?

The markets took a big dip early this week, reacting to fears of potential trade wars and an economic slowdown. After the Dow lost nearly 800 points, investors are understandably nervous. If you are worried about your retirement accounts, you’re not alone. But during stock market volatility, it’s important to keep a level head to avoid financial mistakes.

Stay Calm

At times like these, it’s important to put current conditions into perspective. This is not the first time the market has taken a tumble and it won’t be the last. Declines in the Dow Jones Industrial Average are actually fairly regular events.…

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