March 14, 2019

Many folks who have just begun working with us are surprised by how our planning process starts. We don’t begin by talking about IRAs, 401(k)s, or how much you’re saving. Instead, we begin by talking about you, not your money.

Putting your life before your financial pla...

March 7, 2019

Young children are prime targets for identity theft.  Why?  They have valid Social Security numbers and clean credit records.   Credit agencies don’t report age so no one knows how old they are.  And, since neither they nor their parents often check the child’s credit,...

February 14, 2019

A popular online movement wants to make 40 the new 65.

FIRE stands for Financial Independence Retire Early. The idea is that by working as hard as you can and saving as much as you can as soon as you enter the workforce, you can become financially independent and retire...

February 6, 2019

Recent research by Vanguard shows that between 30% and 50% of clients do not get a financial plan from their investment advisor and that the smaller the client’s portfolio, the less likely they are to get one.  In other words, the focus is on portfolio management versu...