Worried about health care expenses?

How much have you spent on your health care in the last 12 months? Would you believe Americans spent $12,914 per person on health care expenses in 2021? That’s a fact, according to the National Health Expenditure Accounts. ... Read More

Personal finance hacks 101

Life is busy, and not enough of us prioritize our personal finances. I have good news! You can move from “flying by the seat of your pants” to confidently being in control without a huge time commitment. It’s all about working smarter, not harder.  ... Read More

Everything you need to know about QCDs

One of the most underutilized and often misreported charitable giving strategies is Qualified Charitable Distributions (QCD). Taxpayers 70.5 and older can use their IRA to gift directly to charity without creating a tax liability. In addition, if required to take annual Required Minimum Distributions (RMDs), the charitable gift will reduce the annual RMD. That sounds like a no-brainer, right?... Read More

Family vacation homes: What’s the plan?

The vacation home where you spent family time growing up holds many wonderful childhood memories. What’s next for that home? Some family members may have strong feelings about keeping the property and others may be okay with moving on. So what can you do now to preserve the family memories and avoid future conflicts?  ... Read More

Planning for the Unexpected

When you engage in the financial planning process, one of the most important elements is contingency planning or preparing for the unexpected. Life doesn’t always play out the way you would like and pivoting from the current plan to the new reality can be overwhelming.... Read More

Loans from The Bank of…. Mom and Dad?

Loan interest rates are rising. At the same time, interest earnings on savings accounts and CDs aren't exactly setting the world on fire!  So what if a family member offers to finance your upcoming purchase instead of using the bank? The borrower avoids dealing with traditional financing and the interest paid stays in the family. Sounds like a win-win, right?! Not so fast. ... Read More

Ditch the Documents

Are you buried in paper? If “junk” mail is overtaking “real” mail, maybe it’s time to take control. Opt-out of the unnecessary mailbox clutter; get bills electronically; and regularly purge your paper files.... Read More

FAQs of a Financial Planner

As a financial planner, I can’t tell you the number of times I’ve heard, “I think we’re making good decisions, but I don’t really know.” In that situation, it’s hard to feel confident you are doing th... Read More