The Welch Group

Moving vs Remodeling

To Move or Remodel?

At its foundation, my job as a wealth manager is to help clients effectively allocate their hard-earned capital.  While there are many important decisions along those lines, the decision to remodel an existing home, or move to a new home, is one of the biggest as it can prove costly if not well thought-out.  When […]

5 Secrets to Having a Perfect Credit Score

Secrets to A Perfect Credit Score

My long-time assistant, Roxie, is the master of managing her credit score.  This began as a game to her and she wondered if she could ‘manage’ her way to a perfect ‘850’ score.  Her Discover card provides (for free) her score each month so she began experimenting with changes to how she handled her finances […]

Protect Your elderly parents’ finances

Financial Protection for Your Elderly Parent

This story opens with a 103-year-old parent who was sold two new HVAC units for his home costing $24,000.  These were top-of-the-line units where competitive units would have cost $14,000.  When his 70-year-old son found out, he was furious and felt the company had taken advantage of him.  The son had tried to protect his […]

Lower Mortgage Rates

Mortgage Interest Rates Plunge

According to, home mortgage rates dropped to their lowest level in 17 months.  The 30-year mortgage is at 4.04% and a 15-year mortgage is at 3.41%.  Rates on 30-year jumbo loans also fell to 4.10%.  This is great news if you’re considering buying a home and should serve as a reminder to check your […]

What If I Live to 100?

What If I Live to Age 100?

Just for fun, let’s begin with a bit of history.  Five thousand years ago, life expectancy was 18 years.  By the 1900s, life expectancy had risen to age 47.  Today, it’s age 79 and continues to rise.  What’s more shocking is that demographers predict children born in 2000 will, on average, live to age 100 […]