Empowering Your Financial Life with Money Scripts
Money scripts are a favorite topic of mine because they’re so integral to our financial planning process with clients. They are a starting point for understanding how we think about money. By shining a light on our money scripts, we can identify how they shape and influence our financial decisions. While many money scripts can […]
What Planning in the Post-Retirement Chapter of Life Looks Like
Retirement is often seen as the finish line. After decades of hard work, planning and saving money are finally over. In reality, retirement is a major transition . It’s not simply a matter of flipping a switch and drawing on your retirement fund. The post-retirement phase requires careful planning and strategic decision-making. On a lighter […]
How to Protect Your Finances from Cyber Threats
As our digital world expands, so does the threat of cyber-attacks. From identity theft to surprisingly sophisticated phishing schemes, cybercriminals are constantly devising new ways to access and steal your hard-earned money. And it’s not just individuals being targeted – the institutions that safeguard your assets and personal information are also frequently fending off cyber […]
The Power of Perspective: Reflecting on Past Achievements vs. Future Goals
I recently read Dan Sullivan and Benjamin Hardy’s enlightening book, The Gap and The Gain. The central theme is adopting an attitude of appreciation and gratitude in place of one that dwells on deficits—a valuable lesson in both our personal and professional lives. In this post, I’m going to apply the principles from the book […]
How to Save For Your Kid’s Education: Navigating the Maze of Options
In the world of parenting, planning for your child’s education sits right up there with teaching them to ride a bike or making sure they eat their veggies. But with the cost of college escalating dramatically over the past 20 years, figuring out how to save for higher education can feel more daunting than convincing […]
What Is Umbrella Insurance and When Does It Make Sense to Get It?
When we think about insurance coverage, we typically focus on life, disability, auto, and homeowners’ or renters’ insurance due to their direct impact on our day-to-day lives. However, we often miss another critical type of coverage: umbrella insurance. This kind of policy provides an additional layer of protection for when your standard insurance coverage might […]
A Winning Tax Planning Strategy Doesn’t Have a Big Tax Refund
Every year, as the calendar pages flip toward April, a certain buzz fills the air. It’s not just the promise of spring but the anticipation of tax refunds. There’s a common belief, almost a financial folklore, that getting a big tax refund is akin to hitting a mini jackpot. But here’s a hot take from […]
What if your 401(k) offers after-tax and Roth contribution options?
When it comes to saving for the long-term, the 401(k) plan is the most common option for employees to build a nest-egg. However, not all 401(k) contributions are created equal. Beyond the typical pre-tax contributions associated with 401(k) plans, some employer-sponsored 401(k) plans have started offering after-tax and Roth options. While variety is the spice […]
Merging Finances as a Couple: Which Path to Choose?
In our last post, we discussed the foundational steps couples needed to take to merge their finances. . Now, we move onto part two: the actual merging of finances. We’ll break down the three options couples have to merge (or not merge) their finances and the pros and cons of each. Fully Merging All Finances: […]
Financial Planning for Couples
Since I’ve started working as a financial planner, I’ve learned so much from my clients about what good planning actually is. One area that has become important is financial planning for couples. The most important thing I’ve learned is that there is no right or wrong way to do it! Logistics aside, the conversation typically […]