Trusts used to be seen as an estate planning tool for only the very wealthy, who have complicated family situations to sort out, and high-value assets to protect. Times have changed. Modern lives are complicated, asset values are high, and good estate planning is for everyone. Let’s look at typical couple: Jean and Tim and [...]
Those four years when your child is in college can be a rollercoaster ride, but the scariest part for high-earning parents can be figuring out how to pay for it. It can be tempting to put your own goals on hold while you shoulder the big-but-temporary new burden. A better strategy for paying for college [...]
Financial planning that focuses on your goals and helps you achieve flexibility in your journey is critical at the mid-point of your career. It’s how you build a plan to help you realize the lifestyle you want now while keeping longer-term achievements on track. Staying on top of your career earnings by regularly benchmarking your [...]
The S&P 500 recently breached bear territory, which is largely agreed to be a market that has dropped 20% from a recent peak. It’s common to see some retracing. The “bear-market bounce” is real. However, even if the market recovers a bit, it will take some time, good sentiment, and real economic progress for performance [...]
The Federal Reserve has been very clear about its intentions to move more aggressively in fighting inflation. It currently defines "more aggressively" as a likely series of 50 basis point rate hikes, beginning with the May Federal Open Market Committee meeting. This will mark the first time in 22 years that the Fed has doubled [...]
We all like to think as we get older, we get wiser. The financial advisor model has also aged gracefully and has changed over the last several decades. From the investor perspective, these changes provide more options, more transparency, and more of the kind of services that used to be accessible only by those with [...]
Finances can be a touchy subject, especially between children and their parents. And as parents age, it can become even more difficult. Because parents are typically the ones who teach their children all about money. They’re the ones who give you that weekly five-dollar allowance and tell you to “make sure you’re saving some”. And [...]
Investing is a long-term game. That’s boring—and that’s why no one’s talking much about it. Scary headlines sell. And many of us probably do have a bit of proverbial whiplash from March 2020. But patience is the key here, because if history has taught us anything, it’s that the markets do recover—and many times come [...]
Financial planning—what does it mean? When many hear the term, their minds immediately go to 401Ks and mutual funds. While that’s definitely part of the picture, it’s much bigger than that. According to Investopedia.com, “a financial plan is a comprehensive statement of an individual's long-term objectives for security and well-being and a detailed savings [...]
Ok, so you’re beginning to think that maybe you need or want a financial advisor. You hop on to the Internet, all full of excitement and hope, only to find out there are words and letters all over the place that make zero sense. While an in-person chat could help us explain a little more, [...]
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